davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

car loan on all credit reports showing in collection and charge off for XXXX on paid vehicle. the company is bank of america n.a. I have sent dispute letter to them with no reply. within a couple more days the will be in default of fcra rules that give the 30 days to reply to dispute. this issue is not getting resolved with them. the acct number is below for bank of america n.a. 

Contact : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Account status Charge off/ Collection Date opened XX/XX/2014 Account type Auto Loan Balance Loan Amount {$400.00}
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I filed for XXXX  XXXX bankruptcy last year. While other debts reflected this in my credit report immediately, my balance with XXXX was unchanged until the bankruptcy was discharged. At this point, XXXX updated their listing on my credit report showing that the balance had been discharged, although never made any changes to my account. When I reached out to them, they confirmed that the loan was discharged and said they were waiting for verification and asked for a copy of the bankruptcy discharge. I sent it to them. At that point, they reinstated the balance on my credit report.
Consumer complaint received 2019-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

I had a payment of XXXX due on XX/XX/2019. I submitted my payment from an XXXX educational award on XX/XX/2019. It took XXXXwo days to process and shows my payment was accepted by the institution ( Nelnet ) on XX/XX/2019 at XXXX. However, it is now XX/XX/2019. Nelnet continues to refuse to update my account to reflect the payment they received 5 business days ago. Now my account is past due.
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

Chase is claiming that the previous servicer of my account, XXXX, purchased an insurance policy on my account because they were unable to verify proof of insurance. The letter Chase provided to me as proof that a request for proof of insurance was requested was sent to an address we have not used in 2 years. I have received correspondence from from both Chase and XXXX at the correct address during the time period that the aforementioned letter was sent. 

Chase continues to add fees to my account despite the fact that the amounts due are in dispute. 

By Chases own admission I should owe {$330.00} from XX/XX/2019. The latest statement I received dated XX/XX/2019 shows a balance due of {$690.00}. My normal payment is {$150.00}. This amount is far in excess of what they claim I owe. 

Fees have been added to my account systematically for an extended period of time for no reason. XXXX the previous servicer has been adding fees to my account with no justification. 

I have requested from Chase proof of the insurance that they claim was purchased to include the policy and a canceled check for the purchase. 

I have requested from Chase an explanation for why they were able to send me statements and notifications of change of servicing to the correct address but did not send a request for proof of insurance to the correct address. 

I have requested from Chase copies of all correspondence sent to me in regards to this account for the last 3 years.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Synerprise Consulting Services, Inc. (MO)

This company ( Synerprise Consulting SE ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (MO)

This company ( Americollect INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house XXXX XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, XXXX, and the FTC )
Consumer complaint received 2019-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

US Bank has Summer Checking Promo from XX/XX/XXXX to XX/XX/2019. I opened an account on XX/XX/2019. I told the Bank XXXX XXXX that helped me that I was a previous bank customer 6 months ago and I got previous bonus within that period. She told me that I still qualify for the Summer Checking promotions. I asked several times and she told me that I qualify and proceeded to open an account. I closed my other 2 accounts with the other banks so I can qualify for the amount needed to qualify for the promotions. After several months of waiting when I have not receive the bonus amount I inquired on XX/XX/2019 and I was told that it requires 2 direct deposits and the second direct deposit as the qualifying deposit. I was told to be patient for 2 more weeks. After 2 weeks nothing yet. After series of communications the XXXX XXXX of the branch where I open my account requested the corporate office to credit my account. On XX/XX/2019 I received an email from the XXXX XXXX that my account was not qualified because I have existing account already. Which was not true because I do not have existing account when I open my account. Althought I got a previous bonus within 12 months the XXXX XXXX who opened my account assured me I will get the bonus. I was honest to disclosed everything to her. I would not have open the account without her assurance. I therefore believed that the bank should honor their bank promotions by virtue of their XXXX XXXX.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Central States Recovery, Inc. (MO)

This company ( Central states recovery ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This company ( Portfolio recovery Assoc ) ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2019-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received my credit report I notice several companies inquires that pulled/ viewed my credit without my permission. I sent letters requesting removal of theses unauthorized inquires that did not have written or verbal permission to pull my credit. I have sent a letter to the companies and transunion to only receive a letter stating verified. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On or about XX/XX/2019, utilizing Certified Mail Receipt, No. XXXX XXXX XXXX XXXX XXXX, I submitted a Negotiable Instrument Promissory Note w/Instructional cover letter, in the amount of {$750000.00} , to Mr. XXXX XXXX, Chief Financial Officer XXXX Bank of America , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; Said instructional cover letter, in part XXXX advised/noticed Mr. XXXX the enclosed Negotiable Instrument, i.e. Promissory Note is to be 'DEPOSITED FOR CREDIT ON ACCOUNT OR EXCHANGED FOR NON-NEGOTIABLE FEDERAL RESERVE NOTES OF EQUAL VALUE ... ' and provided him the Account Number and financial institution where the deposit was to be made. USPS informed my package was delivered XX/XX/2019 at XXXX XXXX. To day/date there's been neither return of my Negotiable Instrument Promissory Note or response from Mr. XXXX XXXX, Bank of America, or other notice from anyone else regarding same.
Consumer complaint received 2019-10-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent 4 letters to TransUnion attempting to get unverified information deleted from my credit file. I have detailed in all 4 of these letter how the reporting of this unverified and false information is in violated of the law under the FCRA. Under FCRA Section 611 ( 5 ) ( A ), " In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- 1. ) promptly delete that item from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. ) promptly notify the furnisher of that information that the  information has been modified or deleted from the file of the consumer. '' TransUnion has failed continuously violated this law, and has failed to delete this unverified information from my credit file. I have requested reinvestigations 4 different times, all of which result in them saying my credit report has been modified, but the unverified accounts have not been deleted. TransUnion and their negligent practices are detrimental to my success in advancing in my career field. At this point, it is downright criminal.
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

On XX/XX/XXXX, I visited my Primary Care Physical 's office for XXXX XXXX and XXXX. Total billing was {$220.00}. In XXXX, XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " Overton Russell Doerr '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX  XXXX XXXX run my credit report with XXXX, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX, it shows, again " i have Derogatory public record or collection filed '' I have called Overton Russell Doerr many times requested documents about my account payment as well as status, I have not received any from them
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Hello, My current mortgage servicer is PHH, previously called Ocwen. They are most likely looking to reassign my Mortgage. PHH states Im about 4-5 months behind, and that I still have a balance of a bit over {$18000.00}. I however believe my mortgage should actually be paid off. 

The original amortization schedule was due to mature in XX/XX/XXXX. I did however have an arrearage of a bit over {$19000.00}, when Ocwen took over my mortgage, from XXXX XXXX XXXX, in XX/XX/XXXX. Due to this arrearage, Ocwen altered the way my payments were divided between principle and interest, which more closely matched they way interest and principle would have been applied around 30 months prior. My payments followed this trend, ever since around XX/XX/XXXX. However, an organization called XXXX paid all my interest in arrearage, in lump sum payments. Ocwen never rebalanced my loan. I have paid around {$18000.00} excess interest, which should be applied to interest. 

I have drafted an Notice of Error, and Information Request Letters, which I plan on submitting to PHH.

In an effort to slow things down, I am also going to submit an Application for Assistance, which PHH originally told be I had until XX/XX/XXXX to submit.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc (AZ)

This company ( Ad Astra Recovery Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act,  a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract.

Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.