davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (FL)

I sent payment for a bill via mail when I called to inquiry why payment had not been applied I was informed that I had post dated my check for the month of may. I informed the rep that was incorrect and the payment was to be applied XXXX/XXXX/16 ; I authorized them to change the date if incorrect and withdraw payment of {$90.00} listed on check. At the time I was offered to also set up payment for the remaining balance, I inquired if this would incurr a fee because payment over the phone stated it had a fee? I was informed by their employee that since they had the information and were processing a payment, the administrative fee would be waived. I asked again if she was sure of the procedure because I understood there was a {$9.00} administrative fee otherwise I would just mail a check. I was assured that would not occur. Upon checking my financial balance I noticed an electronic check withdrawl for a {$99.00} fee. I immediately called and spoke to a supervisor and was told that was incorrect, he had to check the tapes of the conversation. I would be refunded my {$9.00} but he was unaware of when that would happen. It may take time for them to return my money that I did not agree to have them withdraw.
Consumer complaint received 2016-03-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

I have a bussines account at Suntrust Bank, as well a personal account wich is close by now, from my bussines account Suntrust bank took XXXX USD with out any autorization on my side. I need this money immediately and Suntrust is refusing to credited it back. I 'll apreciate your help. 
Best regards, XXXX XXXX
Consumer complaint received 2015-04-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My mortgaged harassed me say and reporting me late on my home loan I was XXXX prepaying most the time I got one month behind and they stopped taking my payments they sent them back to me for XXXX and XXXX. They for closed for the 3 months of XXXX XXXX and XXXX. They would not take my payments its an FHA /va loan I over paid the interest I have all receipts from XX/XX/XXXX'till now. The bank bankbank of america terrorized me to where I was XXXX. I am permanently XXXX. I have XXXX. I have XXXX problems. They called me everyday for months. They took a total over a 2 year span of XXXX full payment out of my escrow and could not explain to me why. There are about XXXX different discrepancies with the entire loan starting with a forged signature and the lawyer knew it. 
You ca n't sign a dead mans signature especially when you as the dead mans brother do n't even have the owners rights to sell this hour. The lawyer/ city judge allowed this individual to sign a forged name on our original warrenty deed which has been in my possession since XX/XX/XXXX a month after we signed on the house come to find out the man who signed on this house had a loan still out on this house well it did n't get paid off until after the house contract deadline.I purchased a title insurance policy for my title company and XXXX for myself. I do n't believe it was even a binding loan. There is more to it like the down payment and closing cost exceeded my contract allowance by XXXX. The bank went above and beyond in not showing effort in resolving any of my disputes and if did was not accurate. Y They did not fix any of their mess ups. Please help me I ca n't afford a lawyer and legal aid is a slow process.
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (PA)

I 've been a customer of TD Bank NA ( formally, XXXX XXXX ) for more than a decade. 
Now TD Bank said they will close my accounts for no reason. 
I depend on over XXXX vendors and bill pay and automatic debits to use my accounts and XXXX of TD Bank. Also, some accounts are with my partners. They can not be closed. 
Please look into this and keep all my accounts OPEN. 
There are no issues nor concerns.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-27
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. (GA)

Hello, I have sent over numerous disputes and notified the company that I am not the owner nor am I responsible for the time share. My ex fiance has passed away but when she signed for the time share she stole my identity to do so. She cheated with a man and they stole my identity to acquire the time share. I was no where involved. I have filed for a FTC report and a police report to prove that I am a victim of Identity theft. I need my name taken off of this time share and this item removed from my credit.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Reached out to company - I am writing to formally file a complaint against Capital One regarding two credit card accounts that have resulted in a combined debt of nearly {$3000.00}. I believe that these debts are inaccurate, and despite my efforts to resolve the matter directly with Capital One, the issues remain unresolved.

Background The two Capital One accounts in question are as follows : XXXX. Account Ending in XXXX XXXX. Account Ending in XXXX I initially became aware of these debts in XXXX when I received notification from Capital One that these accounts were in default and that I owed a total of approximately {$3000.00}. I promptly disputed the validity of these debts and took the following steps : Actions Taken 1. Debt Validation Letters : On XX/XX/XXXX, XX/XX/XXXX I sent debt validation letters to Capital One for both accounts, requesting detailed information and documentation proving the legitimacy of the debts. Despite being within my rights under the Fair Debt Collection Practices Act ( FDCPA ), I did not receive a satisfactory response from Capital One. They failed to provide the requested validation, leaving me with unresolved concerns about the accuracy and legitimacy of the debts.

2. Communication Attempts : I have made multiple attempts to communicate with Capital Ones customer service department by phone and in writing. In these communications, I consistently requested that they validate the debts and explain the charges leading to the balances. Unfortunately, my requests were either ignored or inadequately addressed, and the debts continue to be reported on my credit report.

3. Negative Impact on Credit : The continued reporting of these disputed debts by Capital One has significantly impacted my credit score. This has made it difficult for me to obtain new credit and has caused undue stress and financial strain.

Request for Action Given the above, I am requesting that the Consumer Financial Protection Bureau investigate Capital Ones handling of this matter. Specifically, I ask that you : 1. Investigate the validity of the debts reported by Capital One.

2. Require Capital One to provide clear and comprehensive documentation proving the legitimacy of the debts.

3. Instruct Capital One to remove the debts from my credit report if they are unable to substantiate the charges.

I believe that Capital One is engaging in unfair and deceptive practices by continuing to report these unverified debts, and I respectfully request your assistance in resolving this matter.

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution. Please feel free to contact me if you need any additional information.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

I originally owed XXXX over XXXX dollars for a wireless phone acct. I was called by Diversified Consultants and offered a settlement in the amount of XXXX to be paid over 6 months. I fulfilled XXXX of the settlement amt. Before the last two payments could be automatically drafted from my checking acct, XXXX recalled the acct from DCI and it was placed with another collection agency again demanding a new settlement arrangement. I was told by DCI that they originally knew that their arrangement would not be allowed to be played out since all of the accts get recalled at month 5, so if someone makes a 6 month payment arrangment on a settlement amt then the arrangement will never be fulfilled since the acct will be recalled prior to the arrangments being satisfied in full. This sounds like fraudulent and deceptive practices on the part of the collection agency and the original creditor XXXX.
Consumer complaint received 2015-07-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (CA)

In XXXX XXXX XXXX XXXX XXXX , XXXX, in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, XXXX years later on XXXX XXXX, XXXX, XXXX is now representing the buyer of this debt, Cavalry SPV I , LLC, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, XXXX years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX County Superior Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.
Consumer complaint received 2016-03-25
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased a money order pay to the order of District Court of XXXX on XXXX/XXXX/2016. Capitol One Bank stamped money order pay to the order of Capitol One in XXXX XXXX. XXXX XXXX XXXX stamped for deposit only into another Capitol One Bank in XXXX XXXX
Consumer complaint received 2016-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems of the Fox Valley, Inc. (WI)

Was charged for installed equipment on garage door that I never requested. In fact, on the bill from XXXX XXXX XXXX XXXX XXXX, company acknowledges that I did not call them to do the work and that it was instead a person who lived " next door '' who summoned the company to fix the door. This debt is now being sent to a collection agency even though I never requested the services in the first place.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2015-06-27
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Called my work and told a coworker that they were going to serve me papers on a discharged credit card. Coworker called me with contact information. I called them back. XXXX knew an awful lot about my credit. I told him that the card was discharged with a BK in 2008 ... he claimed it was never in the BK. I know better than that but told him I had to talk to my husband. He made me an " offer ''. This is a third party collector whom I can find nothing about doing either a phone or web search. I did find a site with other people claiming the same tactics were used. They also identify themselves as a Law Firm.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (PA)

I, have BSI loan service /mortgage., I have given my wife all permissions via fax. for her to handle all of my biz. with them, my wife and I never get a mortgage statement in the mail as to see what is being applyed to my loan, no statement to pay the mortgage. My wife has called last week & 6 weeks prior also, she must make copies of XXXX or XXXX rare statements that we have to beg them for, or just dig up their address & write a check. XXXX rep. said oh it is because I had a bankrupcy 15 years ago? Another rep. said oh yes every time you send a pmt. a statement will genarate, but this never happens. I am still waiting for any statement, my wife even begs these reps. for XXXX or XXXX statements with the same date so she can pay the bill. But the fact of the matter now I know the new rule as of XX/XX/2014 they must send a statement every month. I do think they are trying to make me have a late pmt. or a few, I feel this is a set up, to intensionally get me in fincial trouble. Also they failed to send my XXXX for my 2014 taxes, I got an apoligy letter XX/XX/2014 or so, after my wife and I calling, once again they lied & said they sent the XXXX for that year on XXXX dates, wow the post master must loose mail so much. what I demand is a timely statement every month, also this BSI said I had no homeowners ins. last year & once again, lie after lie they sent they want proof in the mail, post master lost a few of those letters too. I also want to recive that letter in a timely manner this year too. Yes I have XXXX & my agent faxed them their info. it is all in my file. Last year they put me in force placed ins. Desired resolution. TIMELY STATEMENT EVERY SINGLE MONTH OF THE YEAR, XXXX OUT BEFORE XX/XX/XXXX OF EVERY YEAR, TIMELY PROOF OF INSURANCE NOTICE AS SO WE CAN ALL COMPLY WITH THE LAW IN A CIVIL MANNER. ( BSI FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA.XXXX ) customer service XXXX this is the party my complaint is on.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (LA)

Me and my Husband were with XXXX XXXX XXXX for 13 years.When we moved to our current residence our cell phone service turned into a nightmare.We were due for XXXX upgrades and they convinced us that they would fix the cell phone service, so we upgraded our phones and the cell phone service was never fixed so we switched to version after many attempts of asking them to fix the problem and it was never done.We could n't talk to Family that lives far away and I could n't take to my Husband that worked XXXX and he was also 8 hours away.
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. ()

Midland Funding purchased an old credit card debt of mine in 2015. I was sued by Midland Funding on XXXX XXXX, 2015 for {$2900.00} and served a summons at my parents address ( listed above ) in XXXX XXXX. At this time, I was visiting for the holidays. I currently reside in XXXX. I understand this may be a violation of the Fair Debt Collection Practices Act, though I have waived my right to sue in a settlement agreement. 

Both Midland Funding and XXXX XXXX XXXX have previously been successfully sued by the state of XXXX for violations of the FDCPA. 

Prior to the lawsuit being filed, XXXX advised me that they would not consider a settlement on the account. However, after the lawsuit I was able to obtain a settlement of {$2100.00} from XXXX XXXX XXXX. I brought certified payment for the full amount to the offices of XXXX XXXX XXXX and asked that a dismissal with prejudice of the lawsuit be provided, in accordance with the settlement agreement. I was provided with a document that stated it was a dismissal with prejudice in the header but in the text stated " dismissal without prejudice. '' After having paid the settlement amount in full, I would have expected more attention to detail on behalf of this legal firm. After pointing out their error, I was provided with the correct document.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

I have been in an on going dispute with Citi Bank regarding {$410.00} since XX/XX/XXXX. I was given the money back 3 weeks ago and paid the bill that they never did with my Debit Card then last week without my consent they added the {$410.00} to my card again. I called yesterday and they admitted it was there mistake and would credit me back. I called today for a follow up and got the run around about looking in to it still and not sure how long its going to take by XXXX and XXXX who a customer account supervisors. I just want my money that is not owed returned to me so I can cancel this account.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ID)

We have already filed a complaint against Ocwen and altisource. # XXXX. We have just found out from a XXXX XXXX our mortgage with Ocwen was closed with XXXX balance XXXX 2014. If that was the case how could Ocwen offer a modification with a falsified appraisal from XXXX? We have sent all this info on to Senator XXXX XXXX. This mortgage was a securitized/ robo signed paper trail. Ocwen attorney as of last month told our attorney our case was closed. this was right after we contacted the U.S. consumer protection and other parties. Someone is trying to pull a fast one. In our story we have been stateing our property has been damaged by rock pit operations. in Idaho there are NO LAWS to protect us from the blasting damages. As of this last month we won the court case with the county that the blasting devalued and damaged our property. The judgement set the value at XXXX XXXX other appraisals were at the same amounts including XXXX Idaho state property tax appeals rulings and wins. After Ocwen couldnt find a appraiser that would match their value they hired XXXX. XXXX value was exactly what the modification was offered, without even looking at the property.
Consumer complaint received 2015-12-13
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I sold my house in XXXX, both loans were paid recorders office and title office both show all loans paid and no leans on the sold property. 
My daughter and I bought a house in XXXX the one bank that the sold house had said that they did not receive any payment and had a lean on the old sold property. They told the realtor that they would over look the lean but I would have to pay the loan back that I had paid before. 
I 'm still paying the loan that I paid off in XXXX, the bank told me if I did not pay they would come after me and my family.
Consumer complaint received 2015-11-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (OH)

Westlake has not been responsive to my requests since XXXX so that I may get current tags on my vehicle. I have made XXXX calls since XXXX asking for assistance and continue to be told it will take various amounts of time for them to get ( sometimes 24 hours, sometimes 2 weeks ). I moved XX/XX/XXXX. XX/XX/XXXX I went to XXXX get XXXX driver 's license and new tags for my car. I was advised that I need to have my finance company request the memo title XXXX, and have them send it XXXX. My temporary XXXX tags expired on XXXX and I am no longer permitted to drive it until Westlake Financial submits the XXXX title. Can you please help encourage Westlake to get the necessary title paperwork XXXX? If I can not work, I can not pay them. 
I called Westlake the following times requesting the memo title be ordered and sent XXXX ( per cell phone records, all times XXXX ) XXXX