davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-13
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Michael J Adams PC (TX)

Michael J. Adams PC recently garnished by bank accounts for over {$10000.00} over a debt I did not know I owed. I did not receive any communications regarding this debt. When I finally spoke with someone in their office. I was informed the original debtor was XXXX XXXX XXXX XXXX XXXX They sold the debt to XXXX XXXX, XXXX and their law firm filed a lawsuit against me. This person stated they served me with court papers in XXXX XXXX 2014 @ XXXX. I informed him that would have been impossible to do as I was at work on that day XXXX. I asked if they had a signature showing I signed these papers. The guy then tells me he ca n't give me that information and said I could get a lawyer. They took every cent I had out of my bank accounts and left them in the negative by thousands of dollars. I ca n't pay my bills or buy food for my child because all my money is gone. This is not right and I plan to fight this.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MA)

This debt was in the hands of XXXX, I disputed it with them and it was deleted from all XXXX credit bureaus. A few months later I am applying for a home loan and it shows up with a new lender ERC, I have never been shown proof that the account belongs to me. I have had XXXX for over XXXX yrs, no need for XXXX It 's inaccurate information.
Consumer complaint received 2016-07-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Data Systems (SC)

Financial Data Systems is listing an account on my XXXX credit report stating I owe them money from XX/XX/2010. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on a debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Financial Data Systems is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am a victim of XXXX XXXX  and have been trying to rebuild my life. Due to Experian 's personal, willful, and negligent intent to violate the law, I have been unsuccessful in my efforts to remove adverse accounts under the Debt Bondage Repair Act, a law that was signed by XXXX XXXX. 

Experian violated my constitutional rights as outlined in the Fair Credit Reporting Act below : 1. Section-by-section analysis of 1022.142 ( e ) in the proposed rule, the Bureau does not interpret section 605C as giving the consumer reporting agency the discretion to contest the merits of the submitted XXXX  documentation, if it meets the definition in section 605C ( a ) and in 1022.142 ( b ) ( 6 ) ( i ), nor does it interpret the statute as giving a consumer reporting agency the discretion to challenge a consumer 's determination that an adverse item of information resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXXg under 1022.142 ( b ) ( 6 ) ( ii ). Accordingly, the Bureau is amending the text of new 1022.142 ( e ) ( 4 ) to provide that a consumer reporting agency may not decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumer 's representative, based on the validity of the facts or circumstances detailed in the contents of the submitted XXXX  documentation under 1022.142 ( b ) ( 6 ) of this section. 

In XX/XX/year>, Examiners of the CFPB has stated in their supervisory highlights that Credit Reporting Agencies are continuing to violate the laws set to protect me as a survivor. I have submitted court documents which shows the expungement of my criminal records ( Prostitution ) that was a result of XXXX XXXX  Since the case was destroyed, the expungement qualified as a legitimate victim determination document. Experian is consistently declining my request, claiming that they are unable to verify the documents. Under what authority does Experian have the power to function as investigators, and how can they verify expunged court records? All other credit agencies have adhered to the law, with the exception of Experian, which is causing me to feel discriminated against.

Now my life is further endangered due to the intentional and irresponsible actions of Experian and its representatives in disregarding federal laws. It appears that Experian is attempting to further humiliate me by forcing me to contact each creditor to request the removal of the account, when the CRA should be responsible for complying with the law. 

Experian has all of the documents and identity verification to process my request. Please ask them what are they attempting to verify? I am asking for federal and state assistance to hold Experian accountable for violating the laws set under FCRA. If anything happens to me, it will be due to Experian 's negligence.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2016-05-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (TN)

On XX/XX/2015 I was having some financial difficulties and applied for {$600.00} from Castlepayday that would be deposited to my account on the same day. When talking to the representative, who was extremely hard to understand, I was not made aware of the extreme interest rate that I would be charged. I was not able to view the Truth in Lending disclosure until my application was " approved '' and funds were deposited into my account. At this time I was astonished to see that the finance charges were {$3600.00} @ an APR of 867.4001 %. I then tried to contact and cancel before the " 2 day '' cancellation period but was unable to reach anyone. I was then told once finally reaching them after the third day that I could not cancel because the money was already deposited into my account and I would have to make the payments as scheduled. I not only would like to have this matter closed with no further money being " ripped off '' from me, but also to assure no other unassuming and innocent consumers be taken advantage of like myself. To date I have already paid these crooks {$2300.00} for {$600.00} a difference of {$1700.00}!!! I was told I would have to pay only {$480.00} in finance charges which obviously IS NOT the case.
Consumer complaint received 2016-05-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

On XXXX XXXX, 2016 I paid a debt for {$110.00} and {$150.00} to XXXX XXXX XXXX XXXX with my credit card. Per our agreement, the debt was to be removed from my credit reports and they were supposed to send me a receipt of payment. To this date, they have not sent me any notice in the mail to state the account is paid. To make matters worse, now the same identical debt that has been paid is now being collected upon through Capio collection agency. So now I have XXXX debt collectors trying to collect on the SAME debt that was already paid in full! I am going to attach the letter from XXXX XXXX XXXX XXXX that they sent to the XXXX on XXXX XXXX, 2016 stating the debit is satisfied and should be removed. I dont understand why they are refusing to remove it and have sold it to Capio for further collection efforts when it has been paid in full. My next step will be to secure an attorney to seek damages for failure to adhere to the FCRA. I already advised Capio that the debt had been paid and offered to give them all the information to contact XXXX XXXX XXXX XXXX but was told they do not do that. I have provided a copy of my credit card statement showing payment but they will not accept that. I am attaching proof from XXXX that states it is paid as well as the better business reply that it is paid.
Consumer complaint received 2016-08-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX ordered something on XXXX internet and the chase bank operator said i had enough money in the account i ordered somthing from XXXX and i maid sure there was enough money in the chase acount the item was not sent i im pretty upset
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (CO)

My payment due date fell on Sunday, XXXX XXXX. As you know, XXXX XXXX is a holiday. My full payment of {$34.00} was received XXXX XXXX and I was charged a {$27.00} late fee. I told the rep that I believed the Credit Card Act required that American Express accept my payment without a late fee within one business day of the due date. The rep told me that there is no such act. I sent them this " The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal statute passed by the United States Congress and signed by President Barack Obama on XXXX XXXX, 2009. The Credit CARD Act details when credit card issuers have to accept payments. If your due date falls on a holiday or weekend, your credit card issuer has to accept the payment without charging you any penalty as long as the payment is received the following business day by XXXX ''
Consumer complaint received 2016-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Adjustments Inc (MN)

I am a victim of identity. The account with Credit Adjustments , Inc., that 's in my name is an unauthorized and fraudulent account. The account do not belong to me.
Consumer complaint received 2016-05-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (NM)

In XXXX 2016 I sustained hail damage to my home. A claims adjuster inspected the damage and advised me a check would be issued to both myself and my mortgage servicer, Lender Live. Lender Live sent me a Loss Claim package that directed I send the endorsed check to Lender Live. Lender Live cashed the check on XXXX XXXX, 2016. Although I have Lender Live 's customer service more ten times, Lender Live has refused to send me any funds to repair my home. Lender Live acknowledges having received the package which also contains the check, and acknowledges having cashed the check, My insurance company, XXXX, also has a record of the negotiated check. I have written letters to Lender Live, e mails, and calls, all to no actions on Lender Live 's part.
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PR)

Today, XXXX XXXX, I was contacted by Citibank in connection with my new credit account with Best Buy. Citibank representative notified me that the payment on my account was delinquent. I explained that I had performed a payment on XXXX/XXXX/16 before the required payment date of XXXX/XXXX/16. She explained me that this payment corresponded to the cycle of XX/XX/XXXX. I explained that this is a new account and that I had only received XXXX statement dated XXXX/XXXX/16 and performed one payment before the corresponding due date of XXXX/XXXX/16. Citibank did not credited on its XXXX/XXXX/16 statement the payment that I had made on that same date, even though as per Citibank representative the cycle was still open and the payment belong to this cycle. Therefore, I was expecting Citibank to credit the payment on the cycle corresponding to XX/XX/XXXX. However, as per explained today by Citibank representative, the payment was credited to XX/XX/XXXX cycle ( even though it was not included as such on the statement ) and the payment corresponding to XX/XX/XXXX is allegedly delinquent.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I am an XXXX of the XXXX. I have been unfortunately been receiving credit card offers since graduation from Bank of America under the guise of XXXX. I consider these mailings to be predatory in nature, but unfortunately the CARD act seems to allow them. They do require the XXXX to post details about its financial compensation on their website, while they do have an informational page that essentially amounts to advertising, the link they provide to the disclosure simply leads to a credit card application through Bank of America, this seems to be a clear violation of the CARD act. ( XXXX ) - website
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

I applied for a home refinance loan and used an appraiser my lender sent. The appraisal came back significantly low and I was not able to get qualified. This was a poor appraisal because it did not accurately reflect my home worth. 
The appraiser used homes outside my subdivision even though they are still building in my area and new homes have sold. The current builder in my subdivision has starting prices higher than what I bought my house for. I contested the appraisal by submitting additional sold homes in my area but nothing was taken into consideration I submitted. My old realtor found a higher value based on sold homes in my area. My county property tax appraiser would not even honor the vendor 's appraisal because they said it did not reflect the area and did not " feel comfortable '' lowering my taxes to reflect that value. I have supporting documents but not at this time of completing the complaint. Documents can be submitted as needed.
Consumer complaint received 2016-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CT)

SLS, a debt collector, has been violating the FDCPA repeatedly. 

XXXX instance is their continued correspondence to an attorney who no longer represents me. .Despite notice given to them on XXXX/XXXX/16, they ignored it and sent said attorney correspondence on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

This is XXXX XXXX of a myriad of violations.
Consumer complaint received 2016-10-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (IL)

PNC Mortgage charged me {$650.00} for an appraisal and credit check. They completed the credited check first and started the process to complete the HARP refinancing. I was told, I had to pay the appraisal fee and credit check up front. It could not be placed in the loan. This was paid upfront. The appraisal was conducted XXXX XXXX, 2016. I called the company numerous times regarding the results of the appraisal. I was informed they had the results but could not release the results to me. I asked how could they do this ; charge me ... have me pay for the appraisal but control the delivery of the product. Tuesday, XXXX XXXX, I received the appraisal after receiving a phone call from PNC Mortgage division on Friday, XXXX XXXX, 2016, informing me the loan was not approved due to the 2nd mortgage denying the subordination. I asked why did I have to pay the appraisal fee to find this out. PNC advised me the 2nd mortgage company would not approve the subordination without an appraisal. My question was, yes, but did the appraisal fee have to be paid upfront in order to determine if the 2nd mortgage company would approve the subordination? PNC stated yes, the appraisal would have to be completed. 
XXXX is the 2nd mortgage holder. I am currently in a Chapter XXXX bankruptcy. After calling XXXX, I was informed that an appraisal was not needed to determine whether the subordination would be approved because I listed XXXX as a non-secure creditor. Therefore, they would not approve the subordination, regardless. 

PNC had me go thru a lot of work ; reach-out to Trustee ; have my attorney get permission from the court to refinance ; not to mention all the time involved and numerous hours involved. I was told they would not refund me my money because the service was provided. I received paperwork that indicated it was denied because of credit and other. A credit report was 1st ran and PNC knew I had the Chpt XXXX bankruptcy. They are my 1st mortgage holder. PNC has reached out to me numerous times asking that I refinance. In the past, I have always cancelled the process because PNC changed the cost. This time, I made sure that there was an understanding of the cost. When it changed, I reached out to a manager who gave me a {$300.00} refund on the cost. 

This is a lot of money to have taken from me, {$650.00}. I did not get the service I paid for. PNC got the service that I paid for and when they were finished with what they want and/or needed to do, they finally sent me the appraisal results. 
I would like to have my {$650.00} back. 

I have filled a complaint with the Attorney General 's Office, as well.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (PA)

I fell behind on my mortgage payments due to illness, I started working with a housing counselor in XXXX 2015. She submitted a a completed workable solution packet to them. Maybe a month or two later, I received a call from my lender requesting I send in more papers. I did that. We have been to court here in XXXX. 
eight times and only to be told they need more papers. I have done what they asked me over and over again. The housing couselor also sent them what papers they asked for. I only want to start making payments to save my home.
Consumer complaint received 2016-04-09
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: CASHCALL, INC. (CA)

XXXX XXXX XXXX firm claimed to be a debt collector for Cash Call. XXXX XXXX XXXX firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to Cash Call. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX XXXX XXXX but nothing about a law firm. I then called XXXX XXXX XXXX firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from XXXX XXXX XXXX firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up both of our XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NC)

On XXXX XXXX, 2016, I signed up for a 7 day trial to receive my XXXX score for {$1.00}. On XXXX XXXX, 2016, I called and cancelled my trial period. I just found out on XXXX XXXX, 2016 while checking my debit card details, {$24.00} was taken off of my card by Experian. After speaking with them I found out that they have taken the following from my debit card. On XXXX {$21.00}. On XXXX {$21.00}. On XXXX {$43.00}. On XXXX {$21.00}. The XXXX/XXXX/16 for {$24.00} was the only XXXX refunded and they said that they cancelled my account. After speaking with Experian and letting them know that I had cancelled my account with them before the 7 day trial was up, they refused to listen. Due to having XXXX XXXX, I have to write every day, date, time and the name/ID of the customer service representative I speak to when it comes to anything important such as this. Experian would not do anything about their mistake and I 'm hoping that you will be able to help me get back the money that is owed to me. They had no right to take it from me to begin with.
Consumer complaint received 2016-07-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (CA)

I received a voice mail from a case investigator XXXX out of XXXX county stating he received an affidavid or documents that he believed to support an order for me to appear in XXXX County Superior Court for investigation of check fraund and that I needed to contact him to sign some paperwork. The investigator did leave a number which I called and inquired to find out why I was being called for an alleged check fraud and could they give me some answers. I spoke with a woman by the name of XXXX or XXXX at ex. XXXX. She did n't have all of my information right but did have my email and some personal information ( mother 's first name, brother 's phone, etc ) I then gave her the last XXXX digits of my social security # to see if I could get more answers but little did I know I was then giving an ultimatium of paying {$1000.00} to a lawyer of some kind or go to court and pay over {$3000.00}. I asked if she could send me a copy of any document showing my name or signature on a payday advance loan. I received an email which I had forwarded to a friend who did some research and found out that the number attached to the email had been flagged for potential scam artist. So, I then called the XXXX Police Dept. to find out if I had any warrants out for my arrest which came back negative. When I told the XXXX why I was calling to find out about the warrent he told me to contact the local FBI and report a possible scam being done. Unfortunately, I do not have the name of the lawyer that I was apparently going to pay off, but I do have a copy of the letter that the rep sent me via email which I will attach.