davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collections Acquisition Company, Inc. (SC)

I paid XXXX in XX/XX/XXXX for account # XXXX for {$68.00}. They never send my receipt ive requested several times. I disputed this account to credit bureaus and they remove the account off the files in XX/XX/XXXX. Since them this account has not being reported each time ive talked with XXXX this never came up that I still owe it. I checked my credit report this month and found out they put this account back on the file its been 1 year and 3 months this account were not being reported. I can not get the bank statement because I no longer have the account it was closed in XX/XX/XXXX. Somebody had took my payment and did n't apply it to the account. Its no way the credit bureau would delete something without being paid or its 7 years old. Also they just put another account # XXXX for {$83.00} from XX/XX/XXXX on my credit file I want to know where this account been all this long time 5 years. I want these items deleted from all credit bureau this is so unfair.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

With College expenses and sick children and job loss, our original loan was with XXXX XXXX pic a payment. So we were able to request a Loan Modification.in XX/XX/XXXXOur payments were XXXX a month and the 2nd Mortgage, we did a loan modification with.. Wells Fargo , and they agreed to a loan Modification : of XXXX a month so things were manageable. When Wells Fargo took over, XXXX XXXX, pic a payment,, ( XX/XX/XXXX ) they started every few months increasing the loan modification amount ... XXXX here and there ... ..both on the 1st and second mortgage. Now ... .our 1st Mortgage is XXXX and the second is XXXX a month ... .and we can not afford paying this. They also sent letters saying because of assessment changes escrow, we also had to pay more money on some years..XXXX, and added that to our mortgage payment making it even more expensive ... .each month : XXXX. I called several times, and told them we had job loss, sick kids, college expenses, and asked them twice to do a loan modification and we filled out all of the paperwork for loan modification, and all the paperwork they sent to fill out which we did, was filled with forclusure options ... ..so upsetting .... with Wells Fargo and twice we were rejected. We continued to struggle, each month. 
I contacted them many times and faxed letters, asking to forgive the late fees, of XXXX per month if the payment is not made on the XXXX of each month. So far we have made payments every month but it usually is paid after the XXXX of the month, so we owe at least XXXX or more in late fees. They said, they will not refund. I told them the original loan modification amount is what we agreed to and that they are not supposed to increase our mortgage montly payment from XXXX to XXXX for the first and the 2nd, XXXX to XXXX .. ... they did anyway, knowing we could not afford it. I told them I talked with a Non Profit ... .loan modification company, they said, Wells Fargo legally should not be allowed to increase our Mortgage payment from the original XXXX on 1st mortg. and XXXX for 2nd Mortg. Please help.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

After changing my direct deposit I tried to do a mobile deposit, I was unable to I called the customer service and was advice that it was because of the type of account that I had and that I could change the account to activate the mobile deposit so I did. The closest branch from me is 10 miles Away I would not be able to get to the branch to deposit my payroll checks causing the account to go overdraft. 
Finally I was able to deposit the check and now they are putting a 14 day hold on the check. 
I deposited the check on Friday XXXX called on Saturday XXXX and was told that they would clear the check on Monday because I deposit the check after XXXX, Monday morning the check was still not cleared so I called and was told that the check would clear on Tuesday because Saturday and Sunday was not a business day. I waited on Tuesday the check was still not cleared so I called again and was told that it had a hold and would not clear until the XXXX I explained that I had no money available to me and that this was XXXX payroll and would not get paid again until the XXXX the banker told me to call on Wednesday and she would release the hold. Today I called spoke to the branch manager XXXX who now told me that he could not take to hold off I have no money XXXX is coming and I dont even have money to buy food to eat for the next 2 weeks until I get paid again let alone get gift for the kids I dont know how this can be legal
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for credit without his consent. While the fraudulent credit items have been disputed the credit bureau Experian has verified the fraudulent related address is accurate. This is a violation for the FCRA.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Lendmark Financial Services (MD)

Went to a local auto sales lot and picked out a car and applied for a auto loan through their website. Loan vendor is Lendmark Financial Service located in XXXX, MD. Asked for $ XXXX. Was approved for the full amount at an ridiculous rate of 21.99 APR. I have good credit, great work history and well above avg salary. Later that same day I applied at my local credit union and was approved for the same loan at 3.99 APR. I am complaining because I want this type of predatory practice stopped.
Consumer complaint received 2016-10-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Genesis Credit Management, LLC (WA)

A debt collector that solely has business with my husband on an issue from before he and I met tried to contact me through my employer by phone yesterday as a fear tactic and spoke with another member of my company and told them that I needed to call her back before XXXX and the let me know she works at " Genesis Credit Management. '' I have XXXX business to do with this, I have never spoken to her, my husband never authorized anyone other than him to talk to this company regarding his debt so I can with 100 % certainty say she phished for my information and contacted me as a 3rd party at my place of employment. This violates XXXX of the FDCPA rules alone. 


For more context : My husband experienced an incorrect eviction ( partial rent paid on XXXX due to XXXX out of state immediate family deaths and then rest in middle of month after 10 day had already been served ) earlier this year ( before we were married and on an apartment I have XXXX association with ). 

He has been contacted repeatedly in the last week by an " XXXX XXXX '' from " Genesis Credit Management '' and I have listened as an observer only to her berate and verbally abuse him ( on speakerphone ) while he tried to respectfully work with her on a payment plan. She continued repeatedly threatening to " take him to court and garnish his wages if he does n't pay his debt in full now! '' I would be happy to listen to the audio recordings she supposedly took of the conversation. 

Needless to say my husband tried to negotiate with her to the best of his ability but no amount that he can afford was enough. 

I called her and left her a voicemail letting her know I would not tolerate her contacting me, let alone at my place of work so that rumors could spread and soil my reputation without any backing. I want to file a lawsuit and sue her for the damages of dragging me into a matter that does not involve me and by getting another person at my place of work involved in business that is personal for my husband and does not affect me or the company I work at.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview Loan Servicing has n't contacted me or sent me any package after we made three trial modification payments. 
On XXXX XXXX, 2016, we received a Balloon Amortization Trial Document from Bayview Loan Servicing. ( See Exhibit A ) On XXXX XXXX, 2016, The Balloon Amortization Trial Document with balloon addendum sent directed us to make three trial payments starting XXXX XXXX, 2016. 
On XXXX XXXX, 2016, we paid XXXX XXXX, 2016 payment ( See Exhibit B ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit C ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit D ) On XXXX XXXX, 2016, Asset Manager, XXXX XXXX stated if we had n't received any permanent modification documents by XXXX 2016 to contact Bayveiw Loan Servicing. 
We will continue to make our trial modification payments starting with our fourth payment until we receive a modification package from Bayview Loan Servicing.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I submitted a request for XXXX Equifax, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What XXXX decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

I received a bill from XXXX XXXX- a credit card I never opened. The bill was for {$3100.00}. I called to complain that this was not me and I did not order this merchandise. It appeared to be an on line order. I reported this as fraud and TD Bank sent me a claim form asking for ALL of my personal info. Of course I did not send this to them. I called and said I would not send them my info and to cancel this account as fraud. XXXX XXXX the fraud and risk specialist said they did n't need it and just send in a signed paper that this was not my account. I asked why they asked for it if they did not need it. VERY SUSPICIOUS!!!!!! I believe TD Bank is a scam and would like to report them.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (MO)

I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
Consumer complaint received 2017-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XXXX/XXXX CURRENT ADDRESS XXXX, FL XXXX
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

For many, many months I have reported that this debt is 1. ex husband 's and 2. I paid it. No matter what I provide as proof they continue to bother me and report me to the bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (ME)

On XX/XX/XXXX I sent a check with the payment stub to XXXX XXXX in XXXX Fl. This amount ( {$78.00} ) was the full amount due on my XXXX store card. On XX/XX/XXXX I received a letter from XXXX XXXX stating they received the payment stub but no check. I looked at my check register and checkbook. The check was made out and dated XX/XX/XXXX. I then went to the web page of my bank and looked up the status of the check in question. The site had a copy of the check front and the back. The back of the check was endorsed and funds paid. I called XXXX XXXX and spoke to the customer service rep. He continued to insist that the check was not sent. I told him that the bank has a copy of the cashed check. He told me to go to my bank and fax them the copy, he gave me the fax number. On XX/XX/XXXX I went to the bank and had the teller fax the info. On XX/XX/XXXX I once again called customer service and spoke to XXXX. He said that no fax had been received and that I owed the full amount today. He insisted that I pay him over the phone. He would not discuss the fact that the bank has a copy of the cashed check.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OR)

I moved out of XXXX XXXX apartments I XX/XX/XXXX because non English speaking personnel kept entering my unit without giving any notice at all times of the day and night and management would not do anything about it. I gave proper 30 written notice that I would be moving out. I paid the {$570.00} last month rent on time and in full with a money order. I did not damage the unit. They took my entire security deposit. I did not know I was sent to National Credit Systems for this fraudulent debt until I was denied housing for property debt from this company XX/XX/XXXX. I ca n't find a place to live because of this unfair and inhuman fraud! I have never received an explanation of charges even though I requested it. Instead I received a threatening letter XX/XX/XXXX stating they rereported the false debt to all three credit bureaus and will adversely affect my credit for as long as they please because I wo n't pay them {$1800.00}. How does {$570.00} become {$1800.00}? I presume one of the management cashed the money order for themselves. Again, I have never received an explanation of charges!
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

Chase has charged me extended overdraft fee's about two times already. The best part is yet to come, during the XX/XX/XXXX holidays Chase thought it would be a great idea to prey on my bank account and manipulate my transaction orders so they can maximize the overdraft fees they decided to charge me. On XX/XX/XXXX one of my accounts was charged with a payment I had set up for $XXXX I went and deposited $XXXX into my other account and did a instant transfer to cover the payment before XXXX XXXX. I than wake up on XX/XX/XXXX to see my account NEGATIVE little over 300.00 transaction's that magically were organized from biggest to small and than my instant transfer look rigid in one of my accounts I had no money in ended up with $XXXX dollars and the one I did the instant transfer to NEGARTIVE $XXXX. Chase is a predator and does so many fraudulent activities to it's customers it's just so sickening to me how there has been a class action law suit before about the same thing and they go and do it again.
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BAM Management US Holdings Inc. (AZ)

I received alerts on my credit reports from XXXX XXXX and XXXX that i have a negative report on a Collections from a collections agency called XXXX XXXX XXXX for {$1000.00} opened on XXXXXXXX XXXX XXXX The original creditor that reported to the collections agency was Binance.US. 
I have no knowledge of such debt nor have i made any transactions with Binance.US. 

Please help me with this issue and get it off my credit reports and history. This is a false allegation from Binance.US and XXXX XXXX XXXX. 

Thank you XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I XXXX XXXX did not submit credit inquiries to the following organizations : The below are listed on my credit reports as HARD inquiries. Please remove. 

XXXX XXXX XXXX  - request Date XXXX XXXX- Request date XXXX US Dept of Education -Request dateXXXX XX/XX/XXXX XXXX XX/XX/XXXX Captiol One : Request date-XXXX & XX/XX/XXXX XXXX XXXX - Request date XXXX XXXX XXXX  XXXX XXXX XXXX Request date XXXX XXXX XXXX XXXX XXXX Request date : XX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was checking my credit and noticed a lot of accounts opened in my name that I have no recollection of and did not authorize. These were opened up in XXXX  companies include : capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX