davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (NJ)

I have been contacted by various agencies to collect a debt for XXXX Bank. I found out it was XXXX. I have two years of certified reciepts trying to get debt validation.I was contacted recently by a law firm XXXX XXXX XXXX. They represented to me they were acting on behalf of XXXX Bank. They were dishonest. They were acting on behalf of a debt buyer- Second Round LP. I contacted the CEO XXXX XXXX of XXXX Bank and filed a recent complain with the State of New Jersey. After I told XXXX XXXX I was doing this he sent me verification he did not represent XXXX Bank but a debt buyer. All of his communication say XXXX Bank. He disclosed via mail on XXXX that Second Round LP bought XXXX accounts ( charge offs ) for {$18000.00} or {$2.00} per account. He was representing a debt buyer not XXXX Bank. I further contacted Second Round LP on XXXX/XXXX/15 and they would not give me any information except to tell me that a XXXX in Georgia had the debt and I had to contact them. I am very uncomfortable with the deceptive practices of Second round LP, XXXX XXXX XXXX and XXXX XXXX XXXX law form. They were acting as if they were representing a bank when the bank had charged the account off an they were debt buyers. I have gone above a reasonable expectation to get debt validation. I am in contact with XXXX Bank at this moment but very concerned about what I believe is misrepresentation and scare tactics, bullying by the above companies.I have a long paper trail to support my statements. I noticed that Second Round LP placed a deragotory item on my XXXX report in XX/XX/2015.The attorney named above XXXX XXXX XXXX XXXX XXXX sent me an email stating that was untrue. I have since given him a copy and asked it be removed immediately. I have a copy of this as well.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2015-12-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

I recently had my mortgage purchased by Plaza Home Mortgage several months ago. I have made all of my payments to Plaza Home Mortgage in a timely manner and was early for the payment due on XXXX/XXXX/XXXX. The early payment was paid electronically on XXXX/XXXX/XXXX and was processed on XXXX/XXXX/XXXX according to my bank account. Last week XXXX, I received several phone calls from plaza home mortgage which the person hung up on me. I immediately called back and was informed by the recording that I had tried to call after normal business hours. When I did eventually contact an employee who identified himself as " XXXX '' I was informed my account had been transferred to collections and that any information obtained would be used in an attempt to collect that debt. I informed XXXX that I had made all of my payments on time and he informed that all of Plaza Home Mortgage loans were considered to be in collections as an outstanding debt until the loan is paid off completely. XXXX assured me it was an accident on their part and my account was in fact current and should not worry about it. On XXXX/XXXX/XXXX, I received a mid month statement from Plaza Home Mortgage stating I owed an overdue amount and would need to make a double payment on XXXX/XXXX/XXXX. As someone who has gone through a foreclosure in the past I am afraid anytime someone tells me I am in collections and I also fear this would reflect poorly on my credit report if these false delinquent notices continue.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (CA)

In XXXX of XXXX I started getting phone calls from a collection agency. 
They said I had a delinquent load account with someone in the amount of $ XXXXXXXX.They did n't know with who but it happened sometime in XXXX. I told them I did know what they were talking about. They said if I paid them half right then with a credit that I would n't have to pay the whole amount. I hung up. I thought it was a scam. 
I kept getting phone calls from different phone numbers until XXXX or XXXX of XXXX. I XXXX the phone numbers and saw complaints from other people. 
I just received a letter from first National Collection Bureau , Inc . 
They advised me that my delinquent account with XXXX/ now XXXX XXXX XXXX XXXX XXXX has been assigned to them and that if I paid half it would be taken care of. I have never heard of either of these business. I had a credit check run in XXXX of XXXX and neither of companies showed up. Nothing came up with a delinquency. 
This is why I got in touch with you.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (TX)

I have previously filed XXXX complaints regarding this issue, number XXXX and number XXXX. XXXX XXXX has now engaged a XXXX collection agency from whom I received correspondence this week attempting to collect this alleged debt which I have previously disputed XXXX.
Consumer complaint received 2015-11-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (AZ)

I never received a thing but a summons from Midland Funding , LLC ( Encore Capital ). I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent Midland Funding a letter before I sumitted my answer to the court here in Arizona. 

Midland answered back with a motion for summary judgment. Midland ignored my letter electing arbitration per XXXX cardholder 's agreement. Midland forced me into litigation when a clause in XXXX 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO MIDLAND FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave Midland a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet Midland kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (VA)

Checked credit report through XXXX and discovered the following message : " AMS SERVICING , LLC has flagged your account as Not more than XXXX payments past due ( XXXX ). '' I refinanced my mortgage with XXXX during XXXX 2015. There have been multiple changes and I am currently paying Seneca Mortgage. I have never paid late and always pay more than is due every month ( {$2000.00} ). All payments are made electronically - XXXX : Paid {$2300.00} ( Credit Union Tracking # XXXX ) XX/XX/XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ) ; XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ). Attached is payment history since I first was notified to send my payments to Seneca Mortgage ( XXXX15 ).
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

15 U.S.C. 1681 Section 602 A, States I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of conviction and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Consumer complaint received 2015-07-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This is a debt that is over 6 years and XXXX XXXX XXXX is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.
Consumer complaint received 2015-06-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In 2013 when i was XXXX and a XXXX I opened a bank account with Bank of America under my social security number ***********. My father gave me a check that did not clear. That balance was covered. Later I had another negative balance which my mom covered ( under {$250.00} XXXX. However Bank of America has reported me too XXXX credit bureaus ( XXXX XXXX with a specific notation of fraud. Because of this I have been unable to open another bank account and I am only XXXX. There was no fraud and Bank of America knows this.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have a been a valued AMEX cardmember since 2004. I have a flawless payment history with them and have a credit score over XXXX. 

I received a call from AMEX Financial Review on Wednesday, XXXX XXXX, questioning my ability to pay for the credit cards I have with them and the new credit cards I have signed up with them. One was in response to a targeted letter offer, and 2 others for a personal and business credit card. 

AMEX threatened that I give them permission to request my tax info from the IRS, or else they will shut down my entire account with them. I have never received this before from Amex. It is very shocking because they are demanding to see my private financial information. In response, I have paid off one credit card in full, and planning to pay off the remaining one within the next few days. I do not know what else I should do. I refuse to allow anyone threaten me and violate my privacy. 

What should I do here?
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I spoke to XXXX with Bank of America on Tuesday, XXXX XXXX at XXXX. She indicated to me that I needed to be a minimum of XXXX months late to be eligible for a short sale on my home. I have a fundamental issue with this because of the Fair Credit Reporting Act. There is a hardship. I need a modification. I 'm in the hardest hit state. Why are they telling people this when it 's a violation of the Fair Credit Reporting Act?
Consumer complaint received 2016-02-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (SC)

I have had a loan with Security Finance for over 2 years now. I have faithfully paid and renew my loan multiple times. One day I called to see if I was renewable and was told by XXXX that I was renewable for over {$200.00}. I told him i would be in on my lunch break to renew that loan. When i got there, XXXX told me once i renew my payments would go up {$20.00}. We signed the papers and i got the money. One day I was not able to make a payment on time, so i decided to ask for my principal and remaining balance. XXXX informed me that my balance was over {$1500.00} for a {$1000.00} loan, and I asked how it was that high because i had made previous payments before calling. He then decided to inform me that back in XXXX when he told me I was renewable for over {$200.00} that my loan was actually increased and not renewed. I then informed them through SEVERAL letters that I would not be paying that loan because I came in on the assumption of renewing my loan and not increasing because I could not afford a increase at the time. I feel like they were obligated to let me know that they were increasing my loan and not renewing it like they told me on the phone. By them increasing my loan without me knowing and having me come in on a renewal assumption I do not feel like I am responsible for that. They should have informed me. They call me several times and day and they call my job as well. The last person that called my job from there was XXXX and he had the nasty attitude with me and wanted to know why i had an attitude because i sure didnt have one when i came to get the money. I then informed him that I had an attitude because they failed to inform me that they were increasing my loan and had me come in on a renewal assumption. I however am still not paying them whatsoever with this loan and they have ran my credit score to XXXX. Is there anything other than not paying them that I can do about this situation?
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 
XXXX XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Ricart Financial Services (OH)

IN XXXX after filing for bankruptcy due to a divorce. I got a auto offer letter from a dealership stating that I could be approved, after obtaining the auto, the rates and fees just became unbearable, the company repossessed my auto in XXXX after making payments for almost three years. This has been on my credit report as a repossession since then. After working to build my credit score back up, I noticed a inquiry that I did n't make from a company I did n't recognize, after review it was COCC, the people who had repossessed my car. they now have a new name and say I still owed over XXXX on this car that was repossessed almost three years ago. On my equifax and transunion it now shows up a current repossession under the company 's new name and also shows up under the old name as a repossession form three years ago. my credit score has dropped over XXXX points due to reflecting XXXX repos, can the same company report that information twice or should it be updated, and this company is pulling hard inquiries on a weekly basis now. I do n't know what to do, I need help with this.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit reports from Experian, XXXX, and XXXX. The following seven companies have accessed my credit reports without my consent, and I have no associated accounts with any of these lenders : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Furthermore, I requested that Experian, XXXX, and XXXX remove these inquiries from my credit reports. However, they refused, instructing me to file a report with the Federal Trade Commission ( FTC ). These unauthorized inquiries are adversely affecting my credit score and have significantly hindered my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling Experian, XXXX, and XXXX to remove these unauthorized credit inquiries from my credit reports. Your prompt attention to this matter would be greatly appreciated, as it is crucial for my financial well-being. Thank you for your assistance.
Consumer complaint received 2015-09-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (UT)

On XXXX/XXXX/2015, I purchased an XXXX & XXXX XXXX from an organization known as XXXX with an effective date of XXXX/XXXX/15. My monthly premium was supposed to be {$36.00} but when I received my receipt via email, I realized that I was charged a total of {$120.00} for down payment via American Express ending in XXXX. I contacted XXXX to cancel my policy on XXXX/XXXX/2015 but was told that I am unable to cancel because I should have cancelled it at least 2 days before the effective date of my policy. This cancellation policy was not disclosed with me before I bought the policy and the receipt I received does n't address how to cancel my policy. I talked to American Express to dispute the transaction but it appears nothing was done and all my documents have been rejected without any good explanation. I submitted my receipt and a copy of my policy which was requested for by American Express but I received the following email : Hi XXXX XXXX, We received your recent inquiry about the following transaction : Transaction DetailsDateXX/XX/2015Amount $ XXXXFrom/ToXXXX XXXX - XXXX XXXX, XXXXWe have completed our review and have determined that no credit is due. The transaction will remain on your account because : We have not received the requested information. Based on the information available to us we are unable to verify your claim and have closed our investigation. 
If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX. 
Thanks, The American Express Serve TeamI contacted customer service on XXXX/XXXX/15 to reopen the dispute but was given the run around and was not allowed to speak with the dispute team. I believe American Express is treating me differently because of my national origin and need them to explain why my documents was rejected
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Altisource Portfolio Solutions, S.à r.l. (IN)

We purchased a house at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015. The house is in the name of XXXX and XXXX XXXX and XXXX XXXX. We were told that we had to use XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ; telephone # XXXX. The mortgage with XXXX XXXX, # XXXX is only in the name of XXXX and XXXX. The reference # at XXXX XXXX is XXXX : XXXX. My daughter, XXXX and her family are living in the house, and we want to file for a homestead exemption. However, XXXX XXXX has not filed the necessary paperwork with the Recorder in XXXX County, XXXX. The deed and mortgage have not been recorded. We have called and emailed XXXX XXXX many times all summer long, but can not get this recorded. Months ago, they told us there was a paper that did not get signed at closing. They sent us some papers, we all three signed them and sent them back. Still, nothing gets done. We told them we are going to sue them since we will have to pay higher taxes without the homestead exemption, and still nothing gets done. The recorder in XXXX County, XXXX advised us to contact the Attorney General. I filed a complaint with the XXXX Attorney General who advised my to contact the GA Attorney General. They sent me to the Banking and XXXX XXXX and they sent me to CFPB. Please help us to get XXXX XXXX to file the necessary paperwork with the Recorder in XXXX County, XXXX to get this sale recorded properly.