davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION (CO)

This complaint concerns the ability of consumers to reach, communicate and deal with, the department in the Bank that handles IRA accounts. My daughter had an IRA account at OneWest Bank in XXXX XXXX, California. She passed away, and I am her heir, and the court-appointed " personal representative '' of her estate with Letters of Appointment from the Court. My regular banker who handles deposit accounts at OneWest tried to get the IRA section 's attention to deal with my daughter 's XXXX. They essentially blew him off, never sent me any email or called me. I tried to call the XXXX section of the bank and was told I could not speak with anyone if I did not have my daughter 's XXXX account number. Apparently, the XXXX section is completely insulated from customers and will not talk to customers or court-appointed administrators. If that section of the bank is unresponsive to the retail section of the bank and will not speak with me, how do I make a claim or get the money from my daughter 's XXXX account? Beyond that, there seems to be a marketing violation of the California unfair competition laws in that the separation of the XXXX section from the rest of the bank and that section 's refusal to deal with the public is not clearly or adequately disclosed. They want to market and sell XXXX but not service them. That is XXXX service and not disclosed.
Consumer complaint received 2016-01-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (IL)

I received a phone call from ShellPoint Mortgage Servicing on XXXX at XXXX asking me to verify personal credit information and they referenced me to my previous foreclosed home at XXXX XXXX XXXX XXXX XXXX Il XXXX. The company Shellpoint mortgage servicing also know as Resurgent XXXX Servicing was a company inwhich I had a second mortgage and I filed Bankruptcy on or about XXXX inwhich the debt has been wiped out. 
They continue to call and harass me when they had a copy of my credit report which verifies and shows that I filed bankruptcy and the debt had been dismissed. I told them to stop calling me and harassing me to put me on their do not call list but they continue to call and harass me.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc (FL)

I had a collections account for a XXXX Charge off with Northland Group. I paid Northland Group to settle the account. I accepted a settlement offer with the understanding the XXXX Account would reflect a XXXX balance as I agreed to the settlement offered to me by the Northland Group. On my credit report the XXXX account on my credit report continues to report a balance past due of {$220.00}
Consumer complaint received 2016-01-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (MD)

I 've received a call from Sunrise Credit Services that I owe XXXX XXXX XXXX something dollars from a XXXX Credit Card that 's financed by XXXX Bank. I called XXXX Bank and told them that I did not have and never applied for a credit card from XXXX. I never received any billing statement regarding the charges on the alleged XXXX credit card. I requested proof of this alleged credit card debt but they said all information have been forwarded to Sunrise Credit Services and that I should contact this credit service. I called Sunrise Credit Services and spoke to XXXX XXXX and requested for the proof of the alleged credit card debt. She said she will send it through mail and should reach me within one week. Two weeks passed and I did not receive any. I followed up and was able to spoke to an associate of XXXX and again requested the information of the alleged credit card debt again. The lady said XXXX never put a note/request from XXXX Bank to send the proof of debt to me. The lady said she will put a request from XXXX Bank before she could send the proof of alleged credit card debt to be sent to me. I told the lady that the XXXX Bank said all information regarding the alleged credit card debt is now in their hand that 's why I was told to contact them. The lady said she still need to request XXXX Bank before she could send the information to me. I asked how long it will take before I receive the information and the lady said she can not give me a time frame for it. I told the lady that I am filing a complaint against them for harassing me for a debt that I do not owe. The lady then tried to refer me to XXXX XXXX Account XXXX which, when I asked, is also under XXXX Bank. I told the lady that I do n't think I will get a fair treatment from this organization since they are also under XXXX Bank. I told the lady that I am filing a complaint against them before the Consumer Financial Protection Bureau instead.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

XXXX county child support opened a case against me in XX/XX/XXXX when they started taking child support out of my checks. I was then XXXX in XX/XX/XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed XX/XX/XXXX an report was added to the credit report in XX/XX/XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I'm a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-02-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WESTERN CONTROL SERVICES, INC. (VA)

Collection agency took over claim in XX/XX/XXXX for a medical visit that took place in 2010. I had previously paid this medical provider, albeit somewhat late. ( The bill was for {$44.00} - it was not a life shattering event creating out of control medical bills. I was simply having financial problems as evidenced by later events. ) Even if I had n't paid that bill, by XX/XX/XXXX, I had filed a Chapter XXXX bankruptcy and the collection agency should rightfully have filed a claim with the trustee, but they did not. Any valid claim would have discharged with the bankruptcy in XX/XX/XXXX, yet the collection agency was not included in the trustee 's list. Perhaps because it was not a valid claim? To add further insult to injury, this collection agency never sent me any bills or notice to back up their claim. Perhaps they tried to call, but like so many other debt collectors that I dealt with during the course of my bankruptcy, they would either refuse to leave a message on my phone or simply hang up when I answered. When I tried to call back, the phone would either go to a busy signal or was not a phone that could receive in-bound calls. 

In any case, the collection agency has gone around the federal bankruptcy court, ignored the orders of the trustee ( again, assuming they had a valid claim ) and now tried to " reset '' the clock for a bill that was incurred XX/XX/XXXX, which I understand to be in violation of other laws.
Consumer complaint received 2016-01-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

The bank ( Wells Fargo ) mistakingly applied a home equity line of credit payment to " principal only '' instead of interest and principal. The next month, when I went to mail a check, the account was in a past due status. On the payment coupon I recieve every month, there is no " principal only '' option, so someone at the bank decided on their own that I must want my account to lapse into past due status. As a result, my HELOC account was placed on restricted status and negative information may have been reported on my credit history. It was completely the bank 's mistake. They offered to retroactively fix it, but I believe my credit history has still been negatively effected. If I did n't say anything, I 'm sure the bank 's mistake would have gone unnoticed and I would have suffered for it on my next loan application. I want to bring it to the CFPB 's attention so other consumers wo n't experience the same poor record keeping and payment processing.
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Action Financial Services, LLC (MD)

On XXXX XXXX, XXXX, I received my first and only notification from XXXX XXXX that unless I paid over {$4500.00} I would be in default on my student loan of {$34000.00}. I called four separate times and finally reached out to the Department of Education, Ombudsman Group, to dispute the lack of communication provided. I received notification a month later, XXXX XXXX, XXXX, stating that I had been in touch with the XXXX XXXX XXXX and the matter was closed with them. At no time, did I ever speak with XXXX for assistance. On XXXX XXXX, XXXX, I received my first correspondence from Action Financial Services that I now owed {$43000.00} and an additional {$8500.00} was added for fees and costs. XXXX checks in the amounts of {$34000.00} and {$8800.00} were paid directly to the Department of Education for payment in full on these loans. These payment were received by The Department of Education and posted to my account on XXXX XXXX, XXXX. Since the loan was in dispute and I had correspondence proving this, I should have been given 60 days from XXXX XXXX, XXXX. Also, since I paid the entire amount owed to the Department of Education, I thought this matter was closed but am now being asked to pay more money for a collection notice dated XXXX XXXX, XXXX and received XXXX XXXX, XXXX both of which occurred after the checks had already been cleared and received by the Department of Education.
Consumer complaint received 2015-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NC)

Since JP Morgan Chase implemented the new touch ID feature I have had several issues attempting to use this function to access my checking and savings account via my mobile phone. I 've called several times and they 've walked me through a very long drawn-out process where I 've had to reset my password each and every time. The password criteria is very stringent which requires XXXX characters as well as special characters along with upper and lower case letters and numbers. I am livid as this issue only became relevant about 4-5 months ago but since then I have been encountering this issue very other week when attempting to access my account. Please address my concerns at your earliest convenience as this has caused much delays in payments being transferred to other accounts, inquiry regarding account balance as well as a waste of my time. I 've been on hold with them for several minutes while they " tried '' to resolve the issue and have spoken to managers about this problem.
Consumer complaint received 2015-07-06
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Community Health Investment Company, LLC. (NM)

On XXXX/XXXX/15 at XXXX PASI ( XXXX ), a medical debt collection agency called me. It was my debt and I have paid it off. The problem lies in the fact that when I was contacted the first time, the lady said that if I did not pay in 10 days, the debt would hit my credit and they would garnish my paycheck. I called back the next day and verified that they were a collection agency and not the billing department of the hospital that I went to. Upon verification that they were indeed a collection agency, I informed them that I knew my right under federal law and that they were not allowed to report the debt or garnish my wages at this point in time without taking me to court. This is when I was informed that they would give me 30 days to pay instead of the 10 days originally quoted. Now, it was my debt, i legitimately owed it and I have since paid it. However I do not appreciate the unnecessary threats.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-01-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (AR)

This agency is attempting to collect a debt from me for a debt I do not owe, but more troubling is the fact that this agency in not licensed by the Arkansas State Board of Collections to conduct the business of a collection agency within the state of Arkansas. 

This agency is communicating with me, while not being licensed, via my credit reports. 

XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( " Reporting to credit bureaus is a communication within the FDCPA ) ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( " rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) ; and, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ( " The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver '' ) ). 

This agency is violating the FDCPA which are per se violations of the Arkansas Fair Debt Collection Practices Act, The Arkansas Collection Agency Act, and the Arkansas Deceptive Trade Practices Act. 

This agency also did not send me my right to dispute this debt, prior to entering this debt on my credit reports, which I do not owe. 

I can only assume that because they are not licensed to collect in my state, they incorrectly thought they could violate my rights by only reporting to my credit. 

This agency has violated numerous provisions of the FDCPA and Arkansas State Law, and should be brought to justice by your agency. 

Thank You
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

We applied for a loan with Provident Funding in 2012. After doing the paperwork and supplying my email address, I started getting numerous spam emails. This was very unusual for me since I only use my email for business and utilities, and get usually rare spam. The only change I could remember was having the mortgage with Provident Funding. Over months and years the emails finally ceased. Now we just paid off our loan, and right on that day the emails have started again. There must be some connection with Provident Funding 's business practice, and we want this spam email to stop.
Consumer complaint received 2016-02-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to you today about a prepaid card service that closed my prepaid account, took my money and has held it for nearly 2 months. I have called them regularly but every time I ask about this issue I am given the run around. Below is my account of the situation and I hope you will help me resolve this matter. 

On XXXX I used my Serve Prepaid cards to purchase airline tickets for myself and my family for an XXXX trip. The trip was planned for XX/XX/XXXX but we later decided that XXXX would be a better destination and so we cancelled out tickets as they were refundable. Of all the tickets, my refund in the amount of {$2500.00} did not process properly ( this was Airline 's error ) and had to be reprocessed in XX/XX/XXXX. This time the refund was properly back to my Serve prepaid card but for some reason the Serve Prepaid system flagged the refund as suspicious and/or against their terms and conditions. Within a matter of 48 hours my wife 's and my Serve prepaid accounts along with the several authorized user cards were closed. I also received an email stating that the refund for the airline ticket was denied and sent back to to the Airline. 

When I called Serve, I explained that the originalrefund was in fact legitimate and originated from a transaction several months prior. I also explained that I had no issues with the refunds from other family member 's and this should not have happened to my account. The representative looked through my past statements dating back to XX/XX/XXXX and found the original transaction pretty easily. She then referred the issue to another department for inquiry and resolution. I would be hearing back from them soon. As of today our accounts remained closed and the balances which were in them ( over {$3000.00} ) has not been refunded. When I call to inquire about our funds or try to get access to account information, past statements and the like I am stonewalled and told none of this information is available. I have no online access to our transactions whatsoever. 

In addition to the $ XXXX that Serve has confiscated, the Finance department of the airline has no record that the XXXX refund was returned to them at all. They say they would easily see this if it was the case.
Consumer complaint received 2016-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MI)

I have supplied caliber home loans with a detailed payment history from my bank showing a consistent pattern of dated biweekly payments that has been received and cashed by their company yet the company continue to report my account 30 days and 60 days late to the credit reporting agencies. I have ask caliber on several occasions via letter over the last 3 months to please correct this or provide me with proof disputing my payment history from my bank. Their only response has been a predetermined letter stating according to our records this account is reporting correctly. There has never once been any written proof and or documentation provided by caliber to dispute my claim or substantiate theirs just that letter. I believe this to be a predatory lending tactic to prevent patrons from leaving a poorly represented company by lowering its consumers credit ratings. As previously stated there has been a biweekly payment sent to caliber home loans on my account since XX/XX/2014 to present. There is no way my account could have ever been 60 days past due let alone 30 days with biweekly payments being made every two weeks for nearly 2 years consecutively. ( I have documented proof ). Caliber accounting department has held payments and applied two payments at the same time and reported my account as being late. I have documentation of the cancelled checks with the date they were cashed by caliber home loans. This information was supplied to both caliber home loans and all the credit reporting agencies and caliber is still reporting false information and refusing to change it.
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

It is showing on my credit report that i owe money on XXXX when i already paid everything. Infact I still have an open account on XXXX for my internet swervice and home phone service. I have ask XXXX why is this Debt showing from this company and they have told me they dont know why or how. They said they have contacted the Debt collector and told them that i dont owe any balance from them and they still didnt take it out of my credit report. I have called the Agency to show me proof of this Debt and they refuse to send me any document. This is affecting my credit big time since im trying to build my credit and purchase a house.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

stolen license many years ago. changed my name to protect myself, but since 1992 my credit is always wrong, now someone has given fraud using my ssi, and gotten cards, real estate and more.i need to put a stop to this forthwith and prosecute those who are using my info. 
the ssi office do not help.and i was born and raised here.how can your office help make this right?