davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Hello, I pulled my credit report in XXXX of XXXX. My credit report contained a collection account from Midland Funding LLC. I called the number on my credit report, and was redirected to a Law Firm XXXX, I was then informed that this Law Firm had been retained by Midland Funding LLC. I spoke with a representative XXXX XXXX, followed by XXXX XXXX XXXX of which informed me that there was a pending lawsuit against me. The representative XXXX XXXX proceeded to give me a file number. After the initial phone call, I got flustered and hung the phone up. I then called back and made an attempt to clear up the matter, believing both representives from this law firm were being truthful. I proceeded to give them all of my personal information including my personal financial statement. XXXX XXXX then made a settlement offer. I paid with my credit card {$500.00} on or around XXXX/XXXX/XXXX believing this would settle the debt. After paying the {$500.00} I contacted the magistrate court in XXXX XXXX the representative told me only to find out, that this was account from XXXX that I responded to the summons in XXXX from XXXX XXXX Bank requesting my signature and proof of the debt. I was prepared to appear in court, however the lawsuit was dismissed. I realized I 'd been lied to but figured I did the right thing by paying the {$500.00}. Well about two weeks later, I received a phone call from XXXX demanding a second payment of {$500.00}. I then started to challenge with the information I had learned from the courts. The representative began talking over me, and said the debt would still be reported as unpaid. I 've been calling repeatedly to Midland Funding LLC, and the tactics are getting scary. I 'm contacting you now because Midland Funding LLC has been reporting the debt as unpaid even though I paid the {$500.00}. Since XXXX, I enrolled in credit monitoring, only to find out that in XXXX XXXX, Midland Funding entered XXXX negative entries on my XXXX credit report, XXXX under Midland Funding LLC, and a second entry on the charged off account from XXXX with XXXX XXXX Bank marked as a failure to pay for XXXX XXXX. This action resulted in a XXXX pt. drop in score with XXXX. Midland Funding and all of its affiliates are making a mockery of my credit score and the credit bureaus, by using unfair and unethical practices to strong arm me into paying a debt, that I 've already paid them under false pretenses and AFTER it was thrown out of court in XXXX. I 've requested a signature and itemized copy of what I owe to the original creditor XXXX XXXX Bank of which I am presently a card holder on my husbands account. Please help me.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I recently requested an increased credit line from Bank of America to a total line of {$3000.00}. Over the phone they told me they would see if they could approve me for that level. Instead they exceeded {$4000.00}. Months ago I had requested that they decrease my credit line to {$1500.00} and instead they closed my account and I had to re-apply.
Consumer complaint received 2016-07-21
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Real Time Group, Inc. (CA)

Real Time Resolution documents have multiple non corresponding dates to transaction history record. 
Real Time has not confirmed how lien remains on property with debt appearing to be paid based on transaction history I have requested copies of all draws on account by wire, check, cash advance or by credit card. 
Real Time documents are dated XXXX and signed by XXXX XXXX XXXX when transaction allegedly took place in XXXX or XXXX based on documents provided. By both parties Deceptive, misleading, inaccurate balance to name a few
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (PA)

I looked at my credit report and i noticed that the collection agency Williams & Fudge INC is reporting a collection account on my file for {$1900.00}. I have no knowledge of this debt and i was never sent a DV or anything. This debt is not valid and does not belong to me
Consumer complaint received 2016-11-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Express Aviation (TX)

I was attending XXXX XXXX XXXX when it closed it 's doors XXXX XXXX, 2016. I started school XXXX XXXX, 2016. In order to go back to school I had to take out a loan through the school for around {$13000.00} at a 12 % interest rate. I thought that this loan would be divided up and distributed per semester, like Federal Loans are. I found out after the school closed down, that they released the entire amount to the school the end of XXXX. Because the school closed down and I had not completed my first term of school, I receive nothing. No grades, no credits, no transcript. Now the loan company is saying that I ow this {$13000.00} loan back to them. I took out that loan for an education, XXXX that I will not be receiving from the school that money was paid too. How can they expect me to owe that money if I am not getting anything in return for it? I have called ASFG and they have told me that they do not report to credit bureaus and that no other school would see that loan. Now that myself and other students have stopped paying the installments on this loan, they are threatening to report on our credit. I need help with having this loan cancelled as the school is in breach of contract with me. At no fault of my own, am I unable to finish out my education with XXXX XXXX XXXX, so therefore I feel they broke the contract on this loan and I should not be held responsible for paying any monies back.
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Duncan Solutions, lnc. (NY)

Hello, I am writing because the agency Professional Account Management is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that Professional Account Management is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted Professional Account Management to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of america closed my account about a month ago because of XXXX returned check i had tried to place a stop order on. This was the first and only time this had ever happened. This was bad enough but, what really has me upset is that they owe the money in my account. I awaiting on a XXXX check they say is coming but never does. BOA 's risk or fraud dept. is horrible I have read so many bad reviews online.I need my money to pay rent, to buy food, etc. They do not care. Can you help me?
Consumer complaint received 2016-12-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems (GA)

I already have a complaint with CFPB under XXXX # XXXX. If you google the company XXXX there are reports of scams matching this company and they have provided no source of the company they claim that they are collecting for, if you look them up in the better business bureau there are over XXXX complaints of this being a fradulent company. Now they are reporting on my credit under another name demanding that I pay something that is not even mine. Now they are going under this information for the same information saying that I owe a payday loan from XX/XX/XXXX 

XXXX # : XXXX Current Creditor : XXXX - XXXX Original Creditor : XXXX Account # : XXXX Account Balance : {$760.00} XXXX XXXX XXXX, XXXX. 
XXXX XXXX, MO XXXX Toll-Free # : XXXX Fax # : XXXX Website : XXXX My information is being passed along repeatedly to DIFFERENT companies buying my old information and saying that I owe a debt that I never took out, it is getting ridiculous that now it is on my credit report displaying the name XXXX XXXX and also that the debt was opened on XX/XX/XXXX. I am totally being scammed, I want this off of my XXXX, XXXX, and XXXX report IMMEDIATELY because I am being scammed, none of these companies can provide debt validation so I can investigate this properly to the authorities. No company would decide to go on trying to collect a debt that is supposed to be from XX/XX/XXXX and it is almost XX/XX/XXXX. That is how I know this is FAKE! If I took out a loan that should be able to provide documents, electronic signatures if it was done on line and also provide the XXXX address of the computer it came from, they put it on my credit report before even notifying me, total scammers. Please rectify this issue IMMEDIATELY
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from XXXX if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017, 10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

" 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 2017-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

-XXXX I opened a brokerage account with Merrill Lynch, containing stocks and cash.
-This account has been accruing since then XX/XX/XXXX I received a letter from Bank of America Merrill Lynch stating that this account is in danger of being transferred to the State of Florida as Unclaimed Property, unless they receive documentation, not in my possession, by mail before XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (IL)

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I HAD SEVERAL ISSUES WITH MY CHECKING ACCOUNT SOMETIMES I WOULD NOT COMPLAIN I LIKED MY BRANCH IN BKLYN. A FEW TIMES COMPLAINTS OF MISUSE OF MY ACCT WERE NOT SEEN AS SUCH AND I WAS DENIED MONIES THAT I DID NOT SPEND I AM A XXXX XXXX LIVE DAY TO DAY WORKED XXXX YEARS IN ANOTHER BANK PERSON. ALL MY BILLS MY PENSION MY INSURANCE PAYMENTS AND OTHER THINGS CAME OUT AUTOMATICALLY. A PHONE CALL OR LETTER OR AN EXPLANATION OF THE ACTION THAT TOOK PLACE WOULD AVE ALLOWED ME TO GET SOMEONE TO HELP ME REARRANGE MY FINANCIAL SITUATION. I WENT INTO MY ACCT ONLINE AND CALLED VA. TO BE TOLD THAT MY ACCOUNTS WERE CLOSED. I TODAY AM MAKING PHONE CALLS STILL, I HAVE CHECKS I CAN NOT SEE XX/XX/XXXX OR XX/XX/XXXX STATEMENTS I WAITED XXXX DAYS FOR MY MONEY TO ARRIVE TO ME IN XXXX, I RECEIVED XXXX DOLLARS LAST YEAR I PUT IT IN YOUR BANK PROBLEMSAROSE SHOULD I PAY XXXX FOR ITEMS I DID NOT BUY? XXXX DOLLARS FOR SNEAKERS FROM XXXX? EVEN MY BRANCH COULD NOT GIVE ME ANSWERS. MAYBE YOU CAN THIS WAS A TERRIBLE ORDEAL I FELL XXXX FROM IT AND I WOULD LIKE AN ANSWER, I SHOULD BE COMPENSATED I SHOULD BE ALLOWED TO CONTINUE TO HAVE AN ACCOUNT. XXXX
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (TX)

This is my second time putting together an investigation about this situation I am having with a collection company. I have decided to write a Original Creditors Dispute to whom NCC Business Services has claimed they are collecting for. My situation is that I stayed in the XXXX and I moved out in XXXX/XXXX/XXXX. The Apartment Complex was brought out in XXXX/XXXX/XXXX. I in turn sent the old apartment complex owners XXXX XXXX XXXX. So, that either one the old owner are new owners to see who has hired NCC Business Services to collect on a past due debt. No, one has taken the time out to contact me on behalf of the debt after I have sent both Apartment Complexes a certified letter asking them to give me the information on whom owns the right to collect on this debt. I sent my XXXX letters XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX XXXX. No, one has responded back with whom has the right to collect on this debt and whom hired NCC Business Services to collect on this debt. It has been over 30 days since my letter went out. I need to know what is really going on wit this debt. Because NCC Business Services really do n't have the right to collect on this debt unless it is proven by either XXXX XXXX XXXX or XXXX. I am going to provide the letters I sent out to both the Apartment complexes with the certified letter information. And recording as well to listen to on what is being talked about.
Consumer complaint received 2016-07-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

The Foreclosure sale date is scheduled for tomorrow XXXX XXXX, 2016. Caliber Home Loans told me that I had up until 15 days before the sale date to submit all the documents to be considered for a modification review. I hired a law firm to help me, XXXX XXXX XXXX. The law firm submitted all the documents prior to the 15 days ( and also Caliber had the extra 5 days for them to be uploaded ). 
Based upon the law firm communication, the law firm submitted all the documents in time ( prior to the 15 days ) and it was acknowledged that Caliber received them. Now the day before the sale date, Caliber is saying that they did not receive all the documents. Now they are saying that all the documents should have been in 37 days prior to the foreclosure sale date. Caliber contradicted themselves by first saying 15 days and now saying 37 days prior to the sale date. Is this an illegal foreclosure. Also as shown on a previously filed complaint, Caliber did not tell me the XXXX XXXX guidelines. 
The attorney advised me that I could file bankruptcy. Caliber switched telling me their rules about the number of days that the modification package had to be in. They told me 15 days and now they are saying there is a 37 day rule. This is another example of Caliber Home Loans giving conflicting information as well as incomplete and incorrect information. Caliber does not provide all the information that is needed to help the homeowner in a timely basis. Inconsistent and incorrect information is wrong.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (TX)

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 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made September 2024 monthly payment on my mortgage To Bank of America, account no. XXXX. I paid an additional {$200.00} toward principal, and instead it was applied to " unapplied funds. '' I have asked for the " specific requirements of the loan or applicable law '' that permits Bank of America to arbitrarily place my funds into a non-interest bear fund, and not credit my mortgage principal as intended. Furthermore, I have previously complained approximately two years ago, and I thought this issue was resolved. Not so!
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

PenFed ( Pentagon Federal Credit Union ) advertises " XXXX Points '' XXXX mortgage loans. In fact, this advertising is deceptive. PenFed charges " points '' disguised as " Loan Origination Fees ''. The initial ads ( attached ) state that the " XXXX Point '' loan has an APR higher than the stated rate because of " closing costs '' ... which a consumer can interpret as the cost of appraisals, credit checks, filing fees, etc. In fact, the closing costs include a 1 % POINT called " Loan Origination Fee ''. The borrower gets no benefit from this fee. All of the costs associated with closing the loan are billed to the borrower. The APR is in fact NOT increased by closing costs ... it is increased by collecting a POINT. The proof that this is POINT comes when the borrower complains. PenFed offers to waive the " Loan Origination Fee '', if the borrower will accept a rate 1/4 % above the advertised rate. THIS IS EXACTLY WHAT A POINT DOES!! This proves that paying the " Loan Origination Fee '' is in fact paying a POINT. Paying the POINT reduces the interest rate. Therefore, PenFed is either advertising rates that it is n't really offering ( you only get the XXXX point rate by paying a point ... the true ( hidden ) XXXX point rate is 1/4 % higher ) or it is lying when it says that the loan is " XXXX points '' and lying again when they say the APR is linked to closing costs ... they add a point in the Closing Fees disguising it as a " Loan Origination Fee ''.