davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America violated FDCPA since they put summon paper outside my door and wind blew it everywhere some landed on my neighbor 's backyard door and my roommate saw these papers everyone outside, I called Bank of America to settle but they said I must talk to XXXX XXXX XXXX the so-called law firm they assigned to collect debt. 

See picture how wind blew the paper outside, some paper neighbor gave it back. 

I was improperly served since I never received the summon paper myself, instead it was blew everywhere and everyone around now knows. This is straight up harassment from Bank of America XXXX XXXX XXXX XXXX and it is very damaging to my reputation. 

Instead of attempting to sue them for damage, I called XXXX XXXX to settle so it won't cause more damage to my reputation. I'm currently unemployed occasionally doing temporary gig and freelance and living with roommates but I offered a lump sum payment of 25 % of debt to settle. If they agree I can borrow money from friends so I can settle this. I even offered up to 30 % of amount in lump sum as final offer but they refused and ask for {$21000.00} that's almost 80 %... I have seen people that owe Bank of America {$30000.00} settle for 30 %. Most credit cards settle for 25-30 %.

I have considered Bankruptcy since they keep harassing me with lawsuit, I have called XXXX, XXXX XXXX XXXXXXXX said Im judgement proof since I make so little and don't even have a car or house. I'm not sure I will proceed yet but one thing I do know is I need to let CFPB know about this unfair tactic to collect debt, this isn't right, pretend to have serve papers by putting it outdoor letting everyone in the neighborhood know.
Consumer complaint received 2015-11-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

I have an auto loan with ally auto. my XXXX 2015 loan payment was processed as a principal only payment, they then sent me a late notice and a notice of intent to report negative information to credit bureaus. they also deducted a finance charge of {$79.00} from the payment, as they do for my regular monthly payments. while trying to rectify the situation they stated that the whole of the XX/XX/XXXX payment was applied to my unpaid balance and that they were going to adjust the balance and take a finance charge. I pointed out to them that I was looking at my payment history and that a finance charge was already deducted from the payment. so far I have not got a fair resolution to this problem. lastly they applied a {$13.00} late fee to my account.
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I never received written verification of a debt from I.Q. Data Informational, Inc. I would like a letter sent to me to verify this debt from 2011. I did n't even find out about this debt until this year. I 'm also extremely frustrated that there is NO way of finding there contact information on the internet ANYWHERE. How am I supposed to pay a debt to a seemingly invisible debt collector?
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America converted my mother 's echecking account ( with no monthly fee ) into regular checking account ( with $ XXXX monthly fee unless certain conditions meet ), without properly notify the customer. My mother is a XXXX with limited english. She did not receive any communication with account change in XXXX language. She has her profile set to XXXX language as primary language with Bank of America. She thought everything was safe with her account since she had not been charged anything in last few years. She demanded to have the fee refunded and was declined by Bank of America. BoA prays on immigrants with limited english proficiency, and did not communicate in her native language.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

On XXXX XXXX, 2015 I sent via next day delivery, certified, return receipt requested XXXX separate NOTICE OF VALIDATION OF ALLEGED DEBT in accordance with Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, to Wells Fargo 's attorney of record XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX ( XXXX ) XXXX. This action should have stopped the foreclose sale of my property on XXXX XXXX, 2015. These letters were ignored by both Wells Fargo and their attorney and the sale proceed today with no response from either. This is a direct, willful, and intentional violation of federal law.
Consumer complaint received 2024-08-16
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX/XXXX/XXXX I transfer {$2600.00} for 0 % promotion rate until XXXX XXXX. At the same time I had another promotion for 0 % rate until XXXX XXXX, and also I was using this card for my daily purchases. Every month I was paying whole amount that I spend on my daily purchases to avoid interest, but my bank use my monthly payments to cover FIRST - XXXX promotion 0 % rate ; SECOND - XXXX promotion 0 % rate ; and after they start to charge me 19.99 % APR even though I still have 0 % promotion rate on XXXX until XXXX XXXX. I did contact bank several times by the phone and in person, but they always had different explanation. After I submit my complain to your agency, I received letter from XXXX XXXX XXXX, Customer Advocate, Enterprise Customer Care Resolution. In this letter he state " Additionally, you accepted a 0 % APR offer until statement closing date in XXXX XXXX for direct deposit and check cash advanced for {$2600.00}, which posted on XXXX XXXX, XXXX. '' I will scan you this letter and my prove that 0 % promotion rate on {$2600.00} was until XXXX XXXX. I called XXXX XXXX XXXX several times, but he NEVER return my calls. I just do not understand how " Customer Advocate " allowed to be dishonest and ignorant.
Consumer complaint received 2015-11-05
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Citizen 's Bank Mortgage ( XXXX ) XXXX incessantly calls my phone numbers starting on the XXXX of every month if the mortgage has n't been paid by that time. Today, XX/XX/XXXX, I spoke with a representative in the morning because I called in to ask why my mortgage payment went up ; I had to ask numerous times to be transferred to someone who could explain the increase before actually being connected with that department because the representative was incessantly trying to pin me down to a date when I would make my payment. When I told him I needed to check my checking account before providing a payment date, he angrily responded, " Well, sir, the phone calls are going to continue then! '' Sure enough, by the end of today, I have by now received a minimum total of 6 phone calls between my cell and home phone from XXXX ( and possibly more ). The messages they leave are 1.25 minutes long and do n't include any talking voices, just dead air space, until the last 15 seconds. When I called later in the evening to inquire about the harassment, another representative was equally as rude as the representative I was forced to speak with earlier in the morning. She was talking over me when I was trying to speak several times, was argumentative, and explained that they could call " 4 times for each phone number '' that they had on file for me. In the end, she hung up on me. It is clear to any reasonable person, based on the conversations today and based on the number of calls I typically receive each day whenever I 'm late on my mortgage, that the phone calls are designed to harass. Clearly, the purpose of the frequent calls is above and beyond pure communication with the customer ( me ) ; they are designed to be harassing and annoying. For this, Citizen 's Bank needs to get an earful from the authorities, and they need to apologize to me. I would also like for them to modify this abusive practice.
Consumer complaint received 2015-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (CA)

My account just hit the 30 day past due and I kept getting calls from this company asking to pay the balance immediately or they were going to garnish my wages. It 's not the first time this company does this. In previous occasions my account was n't even 10 days late and I was getting calls at work, they also called my sister and told her that if I did n't pay they were going to garnish my wages. They always threat to garnish wages even if the account is not 30 days late so that I can make a payment.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: William D. Meeker Enterprises, Inc. (AL)

I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message.
Consumer complaint received 2015-11-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (LA)

I received a loan due to an emergency XXXX 2014 in the amount of {$750.00}. I 've paid {$1000.00} back and the balance is now {$2300.00}. The company told me they 'd accept a settlement in the amount of {$1700.00} in XXXX installments which would totals me paying back {$2700.00} when my current balance is showing {$2300.00} after a year worth of payments. It was done through speedycash.com
Consumer complaint received 2015-11-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

I was contacted by Westlake Financial Services in XXXX, XXXX for an Amendment To Retail Installment Contract agreement. The terms were accepted in XXXX XXXX, XXXX. I keep my part of the agreement and made all of the payments. But Westlake never issued an Cerificate of Title for my XXXX XXXX Focus XXXX XXXX Sedan XXXX. The last payment was made in XXXX of XXXX and the payment was accepted. I received a notice from Westlake Financial Services in XXXX stating that I owed them {$2300.00} for the balance of the loan. I spoke with a XXXX XXXX XXXX a manager of Westlake Financial Services asking him why did I owe this money when I honored the Amendment Installment Contract, and XXXX XXXX XXXX pretended like he did n't know what I was talking about regarding the installment contract. So I made several attempts to find out why Westlake Financial would not honor the hardship contract. I tried to explain to XXXX XXXX that I was a consumer and there must be a mistake with the balance of the loan. He pretended that he never knew anything about the hardship agreement and I must pay the balance of {$2300.00}. I mentioned to XXXX XXXX that Westlake Financial Services was not honoring the agreement and he would no loner speak with me about it and demanded that I pay the balance of the loan and I tried to explain to XXXX XXXX that Westlake Financial Services received the last payment of the Amendment Agreement and I should have received something in the mail before XXXX of XXXX stated why they will not send me a certificate of title. I never heard from Westlake Financial Services until XXXX of XXXX, but the last payment was make in XXXX of XXXX. I have suffered a great amount of financial hardship due to not having any transportation and I 'm still out of a car. My credit report has a repossession on it and I ca n't qualify for a car. I invested more that {$12000.00} in the XXXX XXXX and now I 'm out of a car and my credit is worse. Westlake Financial Services has many consumer complaints due to their unscrupulous company practices.
Consumer complaint received 2015-11-05
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I had a loan with GMAC they went out of business and Owen was my lender for my mortgage I had to hire a consultant to fix my problem with them .they had fraudulent claims on me with my loan I spoke with XXXX attorney general office the issue was resolved after I paid XXXX dollars .they made fake claims against me spoke with people from XXXX who did not have a clue what I was saying I was forced to get a modification now my credit is ruined I wo n't to move and quicken loan tell me Owen states I was two years late on my bills this is because of Owen fraud I need my credit fixed so I can buy a new home and run away from Owen
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Before I file a lawsuit against Midland my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. Midland Credit Management Inc. has been harassing me since late last year on my credit reports XXXX. ( XXXX United States XXXX section XXXX ( XXXX ) ). I have been in contact with them multiple times sent certified letters to them as well XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference MCM account from your credit file. '' But no action was taken my credit report XXXX currently still shows MIDLAND FUNDINGAccount NumberXXXXAccount Type & gt ; Installment & gt ; Terms & gt ; 1 Month & gt ; Date OpenedXX/XX/XXXXAccount Status & gt ; Closed & gt ; Payment Status & gt ; Paid & gt ; Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. Midland violated XXXX XXXX XXXX ( XXXX ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX credit report.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a car loan with XXXX XXXX that was paid off in XXXX 2012. I had a very good professional relationship with the company and a excellent payment history. I recently checked my credit reports online and I was very surprised to see the credit bureaus are reporting this account with a lot of negative history.
Consumer complaint received 2015-11-05
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NJ)

Georgia Dept of Bankingand finance have refusedas to date to take my caseand to investigate this fraudagainst my name for thepast 6 years or so. 
Georgia investigators havenever replied to mymultiple complaints which Ihave filed with them for thepast 6 years.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (MT)

A pervious acquaintance made a purchase from XXXX XXXX on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted XXXX XXXX and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (MT)

A pervious acquaintance made a purchase from XXXX XXXX on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted XXXX XXXX and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt.
Consumer complaint received 2015-11-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Monterey Financial Services LLC (UT)

Hi, I am very frustrated with XXXX program. Where this has been going on for almost 7 years now and I am wanting to report this company incase others are also had issues with them and their Collection company. The company they have turn me over to is MONTEREY COLLECTION SVCS act # XXXX. I have had several harassing calls from this company, day, night even weekends.. I was unemployed back in XXXX and made the biggest mistake ever in ordering a program for " working at home '' this cost me {$59.00}, then the calls started from XXXX, saying they could guarantee me up to {$200.00} a week through their other program. It was a mentoring program where a live coach helps you every step of the way through the training process!! Well needless to say, I only received XXXX calls after that and really no coaching at all.. While I was into my 2nd week I realized this was just a scam and they were training me to sell products on XXXX and XXXX. Online sales.. I already knew how to sell on XXXX and XXXX, in fact I had been listing products on these sites for months. For several weeks I had tried to contact the company and let them know I was not interested in their program.. I was also receiving multiple calls from other companies trying to get me to purchase their program also.. They had sold my personal info to other Online companies, I guess because I had already fell for their scam!!! I finally just emailed them requesting my service to be canceled.. I received no response and figured I was done with them.. Then a few months later It started, I started receiving collection threats. I can attached my replies between me and XXXX. I have looked through my records and ca n't find my email I sent the first 2 weeks into the program, where I request a refund and to cancel my service!! If you can help me at all with this at all, Please let me know.
Consumer complaint received 2015-11-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: LOAN TO LEARN (OR)

The name of the institution that has my student loan is Loantolearn.com, which I found through XXXX XXXX. 

The situation is that I acquired this loan in XX/XX/XXXX for {$16000.00} and as of XX/XX/XXXX, I still owe over {$12000.00} on it. There 's just no movement on it whatsoever. At the rate I am paying, it will take me an additional 11 years to pay off this debt. 

I was divorced after nine years in XX/XX/XXXX and I do not have that second income to assist in paying my debts. I make a quarter of what my ex-husband made, so I 'm struggling with debt that was in my name but shared in the marriage. I have closed any and all credit accounts so that I am no longer incurring any new debt, and am living paycheck to paycheck. It 's been hard. 

What I would like to do is try to negotiate a lower APR and/or split the balance and just pay that. I can pay it off closer to 3 years as opposed to XXXX, actually 21 years, since I got this loan in XX/XX/XXXX.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I checked my free credit report in www.freecreditreport.com which says that it is a part of Experion. It said I have to pay {$1.00} to get my score and so I paid {$1.00}. What it did n't say that it automatically enrols me in some EXPERION membership which, if I do n't cancel within 7 days, they would start charging me membership fee. NO. THEY DID NOT MENTION ANYTHING. 
Now after 7 days, Experion started charging me {$21.00} monthly for my membership with them which I did not authorise or even enrolled myself for. Is freecreditreport.com is a proxy face for EXPERION to do these things? And yes! There are XXXX complaints against EXPERION for doing this same thing. XXXXBut it seems nobody is bothered to take any action!
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (NC)

someone called pretend to be me and XXXX did not ask for the pin and they gave out private information and that person called everyday till. I told at & t they where the one that broken the contract and gave out person information, and I left and went some where else, has been about 2-4 years ago. and now they are going to different collection such as XXXX, XXXX, XXXX, XXXX, ENHANCRCRCO, XXXX XXXX XXXX, XXXX, and new one is ERC. I though the case was over three months because there was no movement from XXXX.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX Card stolen - charges exceeded {$8700.00}. XXXX started harrassing me ; I hired an Attorney ; Filed a Motion in XXXX Court Case # XXXX ; settled out of court w/Agreement to pay only my balance owed at the time of Identify Theft Settlement XXXX XXXX, 2013 XXXX. XXXX reported XXXX XXXX reported {$8700.00} as my Income. I have Filed with XXXX Form XXXX w/Police Reports and documents of Person ( s ) who stole my Credit Card was unknown to me, XXXX Bank Credit Card # Stolen ; {$7500.00} credit Approved by XXXX Bank by XXXX XXXX a neighbor residing at XXXX XXXX XXXX, XXXX, GA XXXX ; Police Report Filed case # XXXX and XXXX XXXX Police Dept..