davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ESCALLATE, LLC (OH)

What best describes my issue is that this company continues to report an account to my credit report that they no longer hold or have any rights to collect on. ( {$250.00} XXXX of XXXX ) They have stated that the account is not in their hands and they have no control over what happens to an account once it is no longer in their hands. Yet they continue to report the debt on my report as if they are the current creditor. If what they are saying is true ( as referenced in complaint/case number XXXX ) then why are they still listing themselves as the creditor and reporting to the bureaus. Also, the letter I received from the so-called new company, XXXX XXXX XXXX XXXX looks awfully identical to letters that Escallate uses. I found out from a government agency that EscallateXXXX are either affiliated/sister collection agencies or are the exact same agency using different names and possibly switch between each other to trick the consumer into thinking the debt is now with a new/different company. This complaint is specifically directed at Escallate. I have also contacted the Original Creditor and was told the account is still with Escallate, which again confirms deceptive representation and collection practices. So, I am requesting Escallate provide the date the account for {$250.00} was removed from them. The date and any additional info regarding when this debt was transferred or sold or otherwise removed from their care and when they no longer became the Creditor for this account that they state is out of their hands ( again refer to response in case # XXXX ).
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I noticed in my credit reporting that no agree to stay mortage - closed then I need delete mortgage - closed because if my ex husband happen and unable pay for mortgage in XXXX but I ca n't afford. I was divorced in XXXX 2007 and I signed quit claim deed and gave him to own his house then I do n't want to keep house. I have payment for rent in apartment in XXXX that ca n't XXXX rent and mortgage in XXXX cause my low income for XXXX to hardship and not money. I called in TransUnion and waiting to remove but they said 60 days. My ex husband bought house in XXXX and his ex wife divorced. We moved to XXXX and bought house then he spend to loan often.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I have been disputing a Chapter XXXX Bankruptcy with Equifax since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Equifax and never would. Exquifax 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifax 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

On or about XX/XX/year> I log into Experian online and notice that there were reporting inaccurate personal information on my consumer credit profile, upon realizing this this I called and spoke with XXXX who stated that he doesnt have an employer number. I told him that the call was being recorded for verification purposes only. But I told XXXX that first of all Experian is violation the fair credit reporting act because according to 15 USC 1681b ( 2 ) in accordance with the the written instructions of the consumer to whom it relates. I have not nor have I ever gave Experian written permission to report anything on my consumer credit profile which is also considered identity theft and I will reporting this with the FTC.
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: Experian Information Solutions Inc. (FL)

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the accounts from XXXX XXXX XXXX with the account number XXXX and account number XXXX. Also the account from XXXX XXXX XXXX with the account number XXXX. Please remove these accounts from my report IMMEDIATELY because I did not authorize them and I do not recognize them. I have never entered into an agreement or a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX which makes these fraudulent accounts, inaccurate reporting to my consumer credit report and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit. I demand that all forms of communication from XXXX XXXX XXXX and XXXX XXXX XXXX to cease and for these accounts to be deleted from my consumer credit reports.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

I missed a phone call by a week and they garnished my entire paycheck. Wells fargo personal credit line. the XXXX XXXX guy is unwilling to work with me and treats me as if I am ignorant. They will not transfer my account to anyone else and say that he owns my account. He has no empathy. I am a single parent that is a sole provider for my family. I take care of my XXXX mother. I do not get government assistance nor do i get child support even though they owe over thousands of dollars. I am not asking for debt forgiveness, i was paying this based on the agreement. My initial conversation with XXXX was to setup a payment every 2 months and that payment may go up by XXXX dollars each time. I missed the call to setup this month, business of school starting, but I thought I was good - i just paid XXXX last month and XXXX knows my situation as he LIED and stated he knew exactly where I was at in life dealing with this because he experienced the same thing. LIES. That caused XXXX to submit me to charge off department and they removed my entire paycheck of over XXXX dollars. Unethical. My lights are going to be turned off. My phone is too. Not to mention the remaining portion of what I had left to take my kids to get doctor followups and remaining school items are all a scratch. My account is in negative now. Spoke to XXXX and he stated he will not reverse this and proceeded to ask me how I was going to pay the remaining balance of XXXX to which i handed the phone to the banker and had to leave before i broke down. I called the manager he reports to, XXXX XXXX and left messages for a return call. I called her back to back for a hour to no avail and no return call. I was working with you. Now I am not. I am also closing my account with wells fargo after many well vested XXXX years. I can not understand how you are not willing to work with me when i paid for the last 4 months on time. it was up in the air because i took more than a week to return a call on a payment that would have been due in the middle of the month. i have no idea what i am going to do. I am trying to grow., ..get off of government assistance and build credit. at this cost makes me want to go backwards in life. where is the love and where are these credit practices you say you implement on your website?
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: Experian Information Solutions Inc. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/XXXX but they were reporting me as Charge Off from XXXX thru XX/XX/XXXX. I am in the process of closing on a home and because of this my credit score is being affected.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (FL)

This letter is a follow up to my original letter dated XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim closed, 150 days late. 

By not replying in a timely manner to my initial letter on XXXX XXXX, 2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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: Experian Information Solutions Inc. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2016-09-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

I closed on my mortgage with Carrington Mortgage on XXXX/XXXX/XXXX @ 6 % first time buyers and in XXXX XXXX we were contacted by Carrington for a Refi@4.5 % which of course we was glad to do be cause it was a lower rate. We closed on that in XXXX XXXX, in XXXX XXXX we received a tax bill in the amount {$3000.00} for XX/XX/XXXX which I forwarded to Carrington to be paid because it was my understanding that since they paid all my closing cost on both loans they had the sellers tax escrow from XXXX XXXX XXXX XXXX of {$2000.00} according to paperwork from title company ( XXXX XXXX XXXX XXXX, Ok ). According to Carrington tax dept. when the tax bill was paid it put my escrow in the negative {$4000.00} based off an escrow analysis dated XXXX/XXXX/XXXX. On my original loan my payment was XXXX approximately {$440.00} was escrow that was for XX/XX/XXXX -XX/XX/XXXX. Then after the Refi on XXXX XXXX, the payment was {$1400.00}, {$190.00} for escrow. The escrow did n't include taxes because I am a XXXX Vet and in Oklahoma I pay no property tax which took effect on XXXX XXXX XXXX. On XXXX XXXX my adjusted payment was XXXX ( + {$630.00} ). With all this going on I did a refi with another institution and when they sent over the payoff with an Escrow impound shortage of {$2400.00}. I feel there is some unexplained issues of $ XXXX-XXXX that I could never get straight answers to.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MA)

I opened a TD Premier checking account on XXXX XXXX, 2016, using a special web page offer for a bonus of {$300.00}. I have complied with all of the terms of the offer : I am a new personal checking customer, and I have had a cumulative direct deposit of {$2500.00} or more within 60 days of the account opening. The bonus should have posted within 95 days of account opening, which is today, XXXX XXXX, 2016. It has not posted.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

Earlier complaint Ref # XXXX ) : Please help me with my complained. They responded with information that I was never told either in written or verbal conversation. 

I applied for refinance with my existing lender Chase Mortgage. I have been with them for last 8 years. 

After my initial complain ( ref # XXXX ) to CFPB, they responded ( attached ) that the disclosure I signed mentioned " out-of-pocket " fee which will be deducted from my deposit. However, they never defined or told me " out of pocket '' fee anywhere on disclosure letter I signed. There is no line item on disclosure statement that states it is " out-of-pocket '' fee. Its not mentioned anywhere in the disclosure statement that I signed. They tricked me into paying {$500.00} deposit that they said will adjust at closing or will refund if denied the application request. 

Now they are saying they will not refund deposit nor approve the loan. I provided them all the papers in-time. Since they had all my data as my current lender and knew that my rate will adjust to a much higher rate, they waited after 1 & 1/2 month kept asking me this and that papers and denied my loan day before my rate will adjust. 

I feel they cheated me to get XXXX dollars with intention to raise my interest rate at the last moment. 

1 ) They never disclosed that clearly why my loan was rejected. Every time they provide different reason. For example they provided a different reasons on my loan rejection letter sent to me than one sent to the CFPB response. 

2 ) I tried calling them but they provided phone number in CFPB response letter that doesn't work. XXXX, and select option 0 twice. It just doesn't work. There is no way I can contact them. 



Regards,
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

XXXX I started the process of refinancing my mortgage by going to XXXX XXXX. I was contact ed by a company named Amerisave. I made it clear to there representative ( XXXX XXXX ) that I was on long term XXXX. In addition I was contacted by another rep ( XXXX XXXX ) and I informed him as well. There only concern was if my ethnicity was XXXX. It is now XX/XX/XXXX an I was denied credit for something they termed revolving credit concerns. Prior to the denial I was informed that I would have to get documentation for my XXXX that would state I would receive compensation for a minimum of three years. That was the only thing holding up my Re-Fi. My response was, do you ask the non-disabled for a guarantee of three years of future employment? Of course not.
Consumer complaint received 2016-09-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA Compass provides a service called XXXX. XXXX allows customers to send payments to others via their email account or phone number. On XXXX/XXXX/16 I sent a payment of XXXX to a friend. I was charged an additional XXXX fee. I called customer service on XXXX/XXXX/16 to inquire about this fee. I was told, after she consulted with a XXXX representative, that the fee was because of I chose next day payment. I explained that the website says NOTHING about a fee and that it needed to be reversed. I was told that because the fee was assessed by XXXX, and not BBVA, nothing could be done. 
At this point I asked for a supervisor and told the customer service person that I would be submitting a complaint to CFPB because the Bank can not assess a fee, no matter how small, that is n't clear to the customer. This is not a fair practice. I was put on hold for about 10 more minutes. The same customer service person came back to the phone and informed me that 'management would refund the fee and investigate this issue with XXXX . '
Consumer complaint received 2016-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ORG GC GP BUYER, LLC (FL)

In XXXX XXXX, my XXXX tax refund was offset by GC Services who has purchased my student loan account from the Dept. of Education.When I initially contacted GC services they ignored my request for any proof that I owed any money to them. 
I decided to take my dispute up with XXXX, who later advised me that the debt was valid w/o so much of proof provided. 
So I decided to take it a step further and request GC Services validate the debt sent certified mail on XXXX/XXXX/XXXX and which they received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a letter from GC Services indicating that I received a loan from XXXX University. Since I never attended XXXX University, I requested a formal letter from the school indicating that I never attended and borrow any Title VI loans from there school. The notice and proff was sent again certified mail on XXXX/XXXX/XXXX and signed for on XXXX/XXXX/XXXX. 
It has been now 16 days and I see that GC Services not only has the amount listed on all XXXX credit bureaus as a derogatory account, but still has a balance owing of around {$3000.00} in which they just assigned back to the government for collection. I feel since they know they did not have the right to collect {$7200.00} on this account and I was seeking reimbursement, they decided to sale the account by taking my money and running.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX Capital One auto finance illegally took a payment out of my bank account.The payment was scheduled for Fri XX/XX/2016.And the agent put in the date for XX/XX/2016. It has caused all of my bills to bounce and my account is overdrawn.I have spoken to XXXX the account resolution specialists.And they want me to fill out a refund form and fax it back and do all of these things that we are not responsible for.The agent did pull the call and did verify that we did indeed request the payment to be scheduled for XX/XX/XXXX. and not XX/XX/XXXX. They are having a hard time putting the money back into the account.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2016 my checking account at Bank of America had a positive balance of {$1100.00}. During the day XXXX electronic debits were presented for payment. They were in the following amounts : {$1400.00} {$33.00} {$6.00} {$.00} Rather than post the XXXX smaller amounts to my account first, which would have been covered by the positive balance, Bank of America, in an effort to create Overdraft Fee Income, posted the largest item first, thereby creating an overdraft balance, them posted the remaining XXXX items. 
The result was the charging of XXXX overdraft fees of {$35.00} each rather than XXXX. 
On XX/XX/2016 another electronic debit for {$7.00} was posted and another {$35.00} overdraft fee was accessed. 

This is an egregious process. To begin with, why did they post the largest item first? Next, its unconscionable to charge {$35.00} for a sub {$10.00} electronic debit. There is no credit risk since they paid the large item and only created {$330.00} overdraft. I have been a customer of the bank for over 10 years. 
Had they returned the item, I would have only been accessed {$35.00} instead of {$170.00}!