davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland Credit Management purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. Midland Credit management/Midland Funding tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of XXXX ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( midland credit management, or midland funding ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own MCM or Midland funding any money as I have not signed any paperwork with them or purchased any goods or services from them.
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CASHCALL, INC. (NV)

I filed bankruptcy XXXX XXXX, this was XXXX that was discharged. This should not be on a collection. This company keeps harassing me about paying this in full and saying they have sent me numerous letters and changing or adding different dates this was taken out. The date XXXX XXXX which states this was done is yet another date. I did not contact or except a cash advance from this company.
Consumer complaint received 2024-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (CA)

I want to discuss a modification on this Home Equity Line of Credit but they will not do so with me. 
I'm XXXX XXXX XXXX, from a poor family, and I worked for years to get enough money to buy this house. It's all I have in this world. 
Now Wells Fargo calls and threatens me. They are going to sell my house right from under me, leaving me on the street! 
How can this be allowed?!! 
I can afford to make smaller payments monthly. But what I do not want is for all of the payment to go into their pockets. 
I've already paid them tens of thousands of dollars- more than {$46000.00} or so on a {$65000.00} bill. But all but {$3000.00} went in their pockets and I still owe {$61000.00}! 
There has to be a way I can pay down this debt without this lining of their greedy pockets! 
This is why I have filed this complaint. 
It's negatively affecting my health and I can not get a good night 's sleep! 
Please help. 
XXXX XXXX, XXXX XXXX XXXX ( XXXX  )
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Immediate Credit Recovery ()

Contacted for the first time in XXXX XXXX about a loan from XXXX 's that supposed remained unpaid. Live in XXXX. Wrote an XXXX chq as XXXX draft not possible ( too old fashioned ) and explained problem in letter. Chq returned and XXXX draft requested. Started to question paperwork and asked for proof of debt and method of payment other than XXXX draft. Only received unsigned form letter answering questions I did not ask and escalating the debt amount. Thought it was a scam due to time lag in invoicing, clock not stopped when validation of debt requested, debt not validated, no alternative payment method offered, IRC website says they are XXXX XXXX but actual XXXX XXXX site says they are not, lack of contact information on correspondence ie return address, no names or signatures, slow mailing to XXXX ( about a month ). I have copies of all correspondence including registered post and fax transmissions to XXXX. Complaint to XXXX ombudsman XXXX XXXX XXXX, no receipt acknowledged and followed up 5 times. XXXX XXXX letter received and email from XXXX XXXX Escalated Issues advising complaint to be lodged with FSA Feedback System and copy of a loan document provided. Issue lodged with XXXX Feedback System XXXX XXXX XXXX ( XXXX date XXXX XXXX XXXX. Information package from XXXX Feedback System received XXXX XXXX XXXX dated XXXX XXXX XXXX again unsigned, no contact information and no name. Claims much of my correspondence unable to be found ... ..and that even though I ca n't remember the loan does n't mean I am not responsible. However I finally received documentation about the loans but no explanation as to why it took so long to invoice me in XXXX as I have held a XXXX passport since XXXX and drawn XXXX Social Security since XXXX. The package also contains reference materials to an erroneous loan at XXXX XXXX XXXX in XXXX. A place I was never at. I was living in XXXX in XXXX. The only institution I ever attended was XXXX. Again it said to contact Immediate Recovery Inc to arrange payment so we are back to the spinning wheel again. XXXX provided no payment method and IRC have not answered my emails this week. I believe at the very least the interest should have ceased in XXXX XXXX, anything related to XXXX is not me and if they can not provide a swift code for direct deposit or credit card facility to clear the XXXX debt then Social Security is the only option. The debit is supposedly {$2100.00} as at XXXX XXXX XXXX. I hope you can help. Otherwise I will have to go back to the XXXX Ombudsman or just wait for the Social Security option as there appears to be gross incompetence or a scam going on. Note : I ca n't talk on the phone due to XXXX ( service related ) and the time difference between XXXX and XXXX also adds to the difficulty.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are XXXX liens that are inaccurately reporting on my credit report for Transunion. In fact, they are not even reporting on any other credit bureaus, not XXXX nor XXXX. What Transunion is doing is blatantly discriminating against me. They have been doing this to me for over a year. They have violated my constitutional, federal, civil rights, and the state constitution. They are also violating the FTC and FCRA rules and regulations. They are in violation of everything I can think of. They clearly stated that they verify with a third party which I do not know of. It certainly is not the courts or the source of any records, where I have so called lien records. 

WHO DID YOU VERIFY THIS INFORMATION WITH? WAS IT THE SOURCE? 
I DID RECEIVE THE XXXX VS XXXX PERSONALLY IN THE MAIL SHOWING THAT YOU CREDIT BUREAUS HAVE BEEN IN VIOLATION OF VERIFYING PUBLIC RECORDS ANYWAY WITH THIRD PARTIES. AND YOU ARE THE ONLY BUREAU STILL DOING THIS. YOU MUST BE STOPPED!!! 

Who Told them it is ok to report it? There is no law requiring any public records to be posted to a credit bureau. And there is Section 603 in the FCRA which states that in order to post anything to a credit bureau, you need the consent of the consumer. They are private, for profit ( massive profit!!! ) companies and they can not put just anything on there that they feel that they have a right to do. Plus XXXX does not have any firsthand knowledge of the actions they report. How do we know they are accurate? Unless Transunion is going straight to the courts, anything being reported is hearsay. YOU need to prove it with a certified document and not just on YOUR word which is worth squat. 

I trust that it 'll be resolved the second time around. I have filed a complaint with the Consumer Financial Protection Bureau and am in the process of filing with the Federal Trade Commission, and later I am going to SUE if this is not resolved!! 
I WILL ALSO FILE A SECTION 42 USCA 1983 ON YOU!! 

I have included the letters from the courts that I have received from them, which is actually the source showing that I do not have any current or prior tax liens with them. So, I have concluded that that is a fraudulent claim that you have against me and it is intentional. Call the source at their numbers on the letters and hear it from them. Or write them. I want these liens removed in 4 business dayS!!!
Consumer complaint received 2016-04-08
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Hi, I have a PayPal account which was recently closed with {$25000.00} still in it. PayPal closed the account without prior notice and are refusing to let me withdraw these funds for 6 months. I have to pay for stock that 's already been delivered to my customers. I 've provided tracking numbers to show PayPal that the items are delivered and the consumers are happy. Despite this, they still say it 's too risky to let me have my money and they 're going to keep it. I 've raised XXXX complaints with the executive office in Paypal. They reviewed the case and said they 'd not be releasing the money. I 've spoken to at least XXXX representatives who all say the same thing after reading the notes left on the account by previous employees. They 'll not give me a clear answer on the reason it was closed. They only say it 's " risk management ''. If I want more information, they said I 'd need to subpoena it. I have to pay for stock with money I do n't have. Their actions are putting me under massive financial struggle, as I 've no way to pay off the credit cards which had to be used. Over the next 6 months, they 'll directly benefit from ceasing my money, as they can reinvest it and earn interest. I 've had to close my store and cease trading as I ca n't buy any more stock.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. 
If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge- off, collection or similar accounts. 
XXXX
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

Every 5 years the city re-analyzes the real estate value of the houses, which changes the real estate taxes owed. The taxes on our house ( XXXX XXXX XXXX ) went up significantly and thus the escrow account had a negative balance. On XXXX XXXX, 2016 my husband and I went into the Wells Fargo office and expressed concern that the mortgage had yet to be re-analyzed and requested that this be done. By this time we had paid off the negative balance in the escrow account but knew that the mortgage would change due to having to meet this higher real estate tax. They informed me that a mass re-analysis occurs in XX/XX/XXXX, and that the account was already scheduled to have that happen. I told them that I was n't sure how much the mortgage would be or how behind the escrow was because it had n't been analyzed yet, but that it was very important to us that it happen sooner rather than later. We currently have XXXX mortgages with Wells Fargo, XXXX mortgage has been re-analyzed twice since the new real estate tax once in XXXX and then again in XXXX. It is now XXXX XXXX, 2016 and when I go to Well Fargo online and check the escrow account it reflects no change to my monthly mortgage payment, I have been checking daily since XXXX XXXX, 2016 when the mass re-analysis was to occur. The website now indicates that a reanalysis would be done XX/XX/2016. I was promised that the account was scheduled to be analyzed. While I do n't agree with the practice of re-analyzing an account and not updating the consumer in writing regarding their new mortgage payment with potential options to mitigate that change, I am even more dismayed that Wells Fargo has simply put off doing an analysis, even with an explicit request from my husband and I. Every month that the mortgage is n't re-analyzed, the amount that needs to go into the escrow account becomes more behind, and the payment has to increase more to compensate. Waiting this far into the year causes the consumer undue hardship, our mortgage could increase by as much as {$400.00}, if Wells Fargo had done the mass re-analysis on XXXX XXXX the mortgage potentially only would have increased by {$200.00}. Every month that they fail to perform a re-analysis on the mortgage our payment increases by an additional {$50.00}. I am attaching a screen shot of the escrow account as it appears in my online account as of today XXXX/XXXX/2016 at XXXX EST.
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Solutions, LLC (KY) (TN)

I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a secured credit card with Capital One which required an initial deposit of {$49.00}. Several months have now passed, and I have established credit with them ( my credit line was increased to {$500.00} on the secured card and I was since approved for a second Capital One card with a newly-increased credit limit of {$3000.00} ). I contacted Capital One today to find out about getting my deposit of {$49.00} refunded on the secured credit card. They said the only way to get it refunded is to CLOSE the account! Here is the link where people sign up and it clearly says your deposit is REFUNDABLE based upon credit worthiness. I 've clearly proven my credit worthiness, as they have increased my credit line on XXXX separate accounts substantially. I was told today by a Supervisor at Capital One that the only way to get the initial {$49.00} deposit refunded is to CLOSE THE ACCOUNT. Nowhere in the application process/selling of this product does it say you 'd have to close the account to get the deposit back. Here 's the link to the website where it clearly advertises that your deposit is REFUNDABLE : XXXX Here 's what it says : " Security Deposit and Credit Line {$49.00}, {$99.00} or {$200.00} refundable minimum security deposit, based on creditworthiness. Minimum required security deposit gets you a {$200.00} initial line. Deposit more than the minimum required security deposit before your account opens to get a higher initial credit line, up to {$3000.00}. '' I believe Capital One 's failure to clearly disclose this requirement of requiring a person to close the account ( honestly, why in the world would we? ) to get the deposit back is fraudulent. I would like to receive a refund of my {$49.00} deposit WITHOUT closing the account, and I would like disciplinary action to be taken against Capital One for this clearly fraudulent act.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-04-08
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (WY)

XXXX The pay day loan company keeps charging my account even though I have paid more than the agreed amount and they hang up on me when I try to call them and find out why. They always put me on hold and hang up the call. I have paid {$50.00} over the agreed loan amount.
Consumer complaint received 2016-04-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WV)

I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. 
I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to Sallie Mae -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. 
I have a fixed interest rate at 8 % and Sallie Mae would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. 

Sallie mae told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to XXXX XXXX XXXX -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with Sallie Mae they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. 

During the time I was with Sallie Mae I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure Sallie Mae is not the only company that does not offer income based repayments Thank you
Consumer complaint received 2016-04-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I used to be employed by BoA for 17 years when my job was eliminated in XXXX XXXX. Around XXXX or XXXX I walked into the BoA branch at XXXX XXXX XXXX, XXXX NY XXXX and closed XXXX checking accounts and XXXX savings accounts as I was no longer going to get my free employee rate on them. On XXXX/XXXX/XXXX I was informed they force closed XXXX of these checking accounts after waiving {$75.00} in fees and when I called to find out how they reopened an account I already closed I was informed I also currently owe {$25.00} and {$56.00} for XXXX other savings accounts that were closed that day. I was informed by XXXX at XXXX he could give me no info on why they accts were still open and I should go back to the branch I originally went to in order to fix this issue. I do not feel I should have to waste my time to walk into a branch when I should be able to fix this issue over the phone and I also do not have any faith that the branch that could not get this correct in the first place will fix the issue the 2nd time around. I already closed these accounts over 2 years ago and do not see why I should have to close them again because BoA can not do their jobs. I know these accounts were originally closed as I still have an IRA and a credit card with BoA and saw the accounts were closed and removed from my online banking about a week after I went into the branch in XXXX to close them. I feel that BoA is illegally opening accounts back up and charging fees on them and I need to have this issue rectified. Unfortunately, I do not have any of the information anymore regarding the closed accounts as that is not something I felt the need to keep for over 2 years. I guess I did not assume closing a checking and a couple savings accounts would be such a difficult thing to do.