davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (PA)

A law firm sent to me a letter stating that they were of counsel for Pinnacle Credit Services , LLC, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and XXXX XXXX, XXXX. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by Pinnacle Credit Services , LLC. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If Pinnacle states that they purchased the XXXX debt in XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of Pinnacle Credit Services LLC are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XX/XX/XXXX. Pinnacle Credit Services LLC is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (IN)

I had a judgment against me in XX/XX/XXXX with Chase Bank at XXXX County Courthouse in XXXX, FL. I paid their lawyer for almost a year and then stopped because I could no longer afford to. I received a XXXX ( Cancellation of Debt ) from the IRS for Chase Bank for the amount I owed them. I have paid the IRS since this XXXX showed that I had earned income for XX/XX/XXXX Tax Year. 
I have spoken with Chase Bank and they will not update my credit report, they only show it as charged off now. I feel they need to alert the court and the Credit Bureaus that this is satisfied or something. I can not be responsible for earned income and still owe them money. I have also contact IRS and they said to contact Chase Bank.
Consumer complaint received 2015-11-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (NY)

In XXXX of 2015 my property had some water and mold damage. While completing the repairs M & T bank refused to release funds in a timely manner to complete my repairs. First I was advised because I had mold damage I had to produce an estimate and paid receipt. I informed them that I did not have funds to pay the mold removal upfront hence why I needed the check. They advised me that an inspector had to come out. I stated that was not a problem. Inspector came and stated the work was completed with a XXXX % satisfaction ( this was for the mold mediation ). 
My insurance company issued additional funds to complete adding new, insulation, sheetrock, plaster, sanding and painting. The bank stated another inspection was needed to release funds. I advised that an inspection was just done and they stated another one was needed. Another inspector came out and stated that it was 90 % satisfaction. The bank still delayed on releasing the funds. They held the final insurance check for over a month before releasing the funds. Each encounter with an M & T rep I was told something different. When I finally had the check cut it was made out to both the contractor and myself and the local Branch refused to cash the check. 
I spoke to XXXX from their lost draft department, and she stated the bank rep called and was advised that the funds could be released. The bank rep XXXX stated the total opposite. As of XXXX/XXXX/2015 I have still not have not been able to cash the check. Until this point M & T bank issued all checks to me however, nowhere is these new processes published on their corporate website Mtb.com Consumers are at the mercy of which ever agent answer the call there is no consistency in procedures or communication from neither the loss draft department nor the branch to process the checks. 
During my encounter I have advise them of my frustration and inquired why has there been these change and the agents have not been able to explain. The local branches are not familiar with the new procedures, nor can they explain why the checks are being issued to both me and the contractor.
Consumer complaint received 2015-05-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC. (VA)

I have been getting threatening and harrassing calls from this company, XXXX, and a lady keeps leaving voicemails telling me that she is an Investigator from the State of Va, and that there is a very serious legal matter pending with me, and there are XXXX counts of Financial Fraud that I am being charged with. She also said she was sending authorities to my house or any other address they have on file for me. She has also left messages on my son 's answering machine, my sister 's, my brother in law 's answering machine and talked to my other brother in law who lives in another state and told them the exact same thing. That I am being charged with Finiancial Fraud and she is a a Fraud Investigator with the State of Va, and that I may have a warrent for my arrest. My family has called me in a panic. I called the number back that she left with a " docket number '' she referenced and I reached a man named XXXX XXXX. When I asked him the name of the company that he works for, he said XXXX Legal, he said they are a law firm. When I looked them up, it was a collection agency called XXXX. I requested that no one else from this company contact me or my family. I also asked for the company address and fax number so that I can put that request in writting. He said they do not have a fax #. I have looked this company up and they have some very scary and threatening tactics they use, such as harrassing your neighbors and family, continual calls at home and work, and even coming to your home. I am a single parent with small children, and I am just afraid someone is going to come to my home in order to intimidate me, because the lady said on my answering machine that they will go to my address. This debt they are trying to collect is in dispute with the cmpany and has been for a while. I know that there are legal ways to conduct business, and this is not one of them, this is threatening and harrassing.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC (TX)

XXXX Capital Management contacted me on XXXX. They threatened legal action ( XXXX XXXX ) and when I offered a settlement, once they send verification of debt, they told me I was insane. I asked them to stop communication with me, and that I would deal with XXXX, the supposed creditor. On XXXX XXXX, I received a letter from XXXX again demanding payment, this time stating that I had made payment arrangements with them, which i did not. When I called to tell them I had done no such thing, and neither they nor XXXX had provided debt verification, the person stated that he would end the conversation, and ended the call.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Falls Collection Service Inc. (WI)

I believe someone used my social security number to pay a bill that I did not pay and was fully unaware of. I have never check my credit score but when I did XXXX XXXX said there was an unresolved payment that was on my reports which brought my credit score down.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding LLC filed a lawsuit against me for an alleged debt they allegedly purchased from XXXX. I had sent them a Notice of Dispute/debt Validation but they did not validate the debt. I settled with them for a nuisance value of {$1000.00}. However, they have issued a XXXX for cancelled debt which is not mine. I have disputed this XXXX with IRS and Midland, who have failed to provide proof of ownership or validation of this debt. 

Also, this issue arose XX/XX/XXXX and Midland Funding issued the XXXX directly to IRS with NO copy to me or my Attorney. Is this legal? this is under-handed tactic and I only became aware of this as I was audited by the IRS XX/XX/XXXX for failing to declare this XXXXof XX/XX/XXXX, of which I had no knowledge.
Consumer complaint received 2015-04-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

XXXX 2014 I have my mortgage service by OCWEN LOAN SERVICING LLC . When I went to file my taxes I find out that I did n't received a mortgage interest from OCWEN, so I called them and provided them the account # from my statement and they keep telling me that the account number does not exist and so is the property address, I called XXXX times and thats all I here from them and they do n't seems to help me out. I feel so frustrated and the fact that I have XXXX weeks from the deadline for filing my taxes.
Consumer complaint received 2015-06-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I 've been trying for at least a month, to update my online password after it " expired '', but nothing I enter that would fit their criteria works. I 've made up passwords I 've never used before, made sure a person 's name on the account was n't used, the capital letter, small letter, special character, numeric, and at least XXXX characters long. Nothing works. I 've been trying to pay my loan and now there is a recording saying they are having technical difficulties and higher than expected call volume and to " call back later '' then click. I am not sure why XXXX sold my loan to them, but they have been nothing but a problem to make a simple payment online. There is no other phone number for technical difficulty. This all looks like a scam to charge a late charge or XXXX XXXX charge to me. I do not know why they think they need to decide for me, that I need to change my password, as long as it fit their criteria once.
Consumer complaint received 2015-09-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vantage Sourcing, LLC (VA)

I have received numerous emails and calls from a company claiming to be collecting a debt. They obviously have my name and telephone number. But they call to say I have a debt but I ca n't find out what it is unless I give them my SSN. They wo n't send anything via hard mail. I ran all of my credit reports and have no outstanding debts anywhere, so this is obviously a scam.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I 'm confused. A cryptic notice was left at my door by XXXX ( see attachment ). There was no explanation as to who XXXX is, and even if there was, this is no way to get me to call them. If I did n't look up the phone number, I would n't even know it was related SPS. It appears they are XXXX XXXX XXXX XXXX XXXX that handles valuation and inspection products for SPS. 

SPS was advised I would be open to a cash for keys offer in lieu of filing a lawsuit for a XXXX/XXXX and other actions, yet there has been no response to that offer that was made in XXXX, with several follow ups in XXXX. It is now XXXX and all they have done is to send notices that they have forwarded the correspondence to the appropriate department. 

Instead, they just have someone leave a notice on my door with no explanation as to what it is regarding and without advising that XXXX would be contacting me on their behalf. If they really wanted me to call, you would think SPS would advise in advance ( and in writing ) what this is regarding. After dealing with the prior sub-servicer, XXXX, I am no longer willing to " speak '' with anyone. I 've already advised SPS that all communication would need to be in writing and that there would be no " verbal '' correspondence, so posting a notice for me to CALL, especially without any explanation, is unacceptable.
Consumer complaint received 2015-06-15
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (WA)

An individual with a depository account at US Bank issued me a check from that account as payment. When attempting to cash the check at a US Bank branch, US Bank informed me that if I signed up for a checking account, then they would cash the check for free ; otherwise there would be a {$7.00} transaction fee. 

I take serious exception to the philosophical idea that a bank would charge a fee to cash their own check. They issue the check to their deposit customer as a service of that individual maintaining deposits within their institution. Then when that customer writes a check for payment the bank is charging a transaction fee for it 's use..? If the check is not accepted as a form of payment without additional fees, then why have a depository account? And why accept checks as payment? 

By the way, if I deposit the check in my bank and it does not clear, my bank charges me a fee. So depositing into my bank is not an option. 

If a bank is to be given the authority to administer checks on behalf of their depositors as form of payment, then they should be required by law to honor that payment. Coercing payees into opening an account or suffer paying a fee is not a useful means of monetary transaction. Ultimately, no one will be able to accept a personal check because even if the money is there, the bank wo n't honor it ...
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I have a fixed rate mortgage with Wells Fargo Home mortgage. I have been paying. {$1800.00} every month. In XXXX my statement showed a payment due for {$1900.00}. This is the XXXX time they have done this in trying to charge me more then what I actually owe. I believe this time it includes an overpayment they made to my local tax office in in my town, They have been holding an overpayment in taxes for months. They contacted me to come and get the money which I never did. Simply because I do n't pay my taxes, It 's included in my mortgage payment. 

Since XXXX they have been holding payments of. {$990.00} in unapplied funds and instead saying I owe them {$10000.00} in order to catch up on payments due. I spoke to HUD the first time they did something much like this. I have been making my payments every month, and have proof of this. They are saying I never made those payments. The payments are reflected in previous statements as {$3700.00}. In XXXX payment increments. But they still show {$10000.00} Total amount due to make loan current. I am extremely tired of the errors this company makes on my statements. It honestly feels like their doing it on purpose at this point. 

I would appreciate it if someone could please contact them on this and correct the oversight. I have already spoke to them myself over the phone and they refused to acknowledge it.
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (GA)

I previously contacted Barclay Bank regarding inaccurate information listed on my credit report. In XXXX of 2014, I spoke with XXXX at extension XXXX. She informed me that I had a balance of {$200.00}, and that the balance could be settled for {$100.00}. I asked her for the full account number, and she informed me that it was XXXX. I informed her that this is not the account number that Barclay has listed on my credit report, which is XXXX. I called a couple of weeks later and spoke to a representative named XXXX. She informed me that the inaccurate account would be deleted from my credit report. It was not deleted, so I filed a complaint with the XXXX. I received a correspondence from XXXX with the office of the president who validated the account listed on my credit report. I filed another dispute with the consumer financial protection bureau, and XXXX again responded, stating that the account listed on my credit report was accurate and that they would not correct or delete the invalid account number.
Consumer complaint received 2015-08-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has placed a hold on my Savings Account XXXX with a balance of {$30000.00} as of XXXX XXXX, 2015 and has not provided any reason except to say they are investigating a " suspicious transaction. " I have been a loyal Wells Fargo customer for over twenty years and am very frustrated because my money has been withheld from me unfairly and there has been no communication from Wells Fargo. I have called several times, visited my local bank center, and now have paid my lawyer to write the bank a letter asking the money to be released and communicate with me as to what is going on. The Bank letter gave them a deadline of XXXX XXXX, 2015 for a response and as of today XXXX XXXX, 2015, we have heard nothing from the bank nor has my money been released back to me. Please help me get Wells Fargo to provide a reason and return my money.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was applying for a auto loan and I was denied because of my bad credit history. I obtained my credit report from XXXX, XXXX, and XXXX and I figured out that there are several accounts that do not belong to me. I am a victim of identity theft and somebody stole my personal identification information and opened accounts under my name. I filed a police report from XXXX Police Department ( Police report No : XXXX ) on XXXX XXXX, 2014 and sent the police report to all credit bureaus and creditors. Since now, I did not get any results and the credit bureaus refuse to resolve this problem. I called to XXXX many many times and asked them to block the fraudulent accounts but they did not pay any attention to my dispute. I talked to XXXX XXXX who was from XXXX Fraud Department ( he was from XXXX that how he introduced himself ) and he did not even go through the documents that I send to XXXX. He told me that he could only redispute the fraudulent accounts, I told him that since XXXX 2014 and I am disputing fraudulent accounts but still no results. Please help me to resolve the problem, because my credit was damaged for some reason and the following accounts are opened under my name : Bank of America ( acc no : XXXX .... ), XXXX XXXX - ( acc no : XXXX .... ), XXXX XXXX ( acc no : XXXX .... ), and XXXX ( acc no : XXXX .... ). Also, please see attached the police report.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (PA)

Your options do not include the reason for this complaint. Calvary Portfolio is collecting a debt that is outside of the federal obsolescence time frame provided in the Fair Credit Reporting Act. The original creditor was XXXX. My last payment to them was in XX/XX/XXXX. Calvary has incorrectly listed that payment date as XX/XX/XXXX to keep this on the credit bureau longer than the law allows.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

This account was previously deleted from my credit report from two other collection agencies as there was an error and they continue to report it. I do not owe {$350.00} and they are reporting this account was opened on   XXXX   XXXX     which is not true. I have been fighting this for years.