davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and in fact after 2 certified letters asking for validation have changed their correspondence address and reported this account with new dates. Please note that they have not provided me with documentation showing any type of agreement between me and the party. I have never had a agreement or any type of credit with this company EVER. After doing research on this company I noticed that Midland has been to court several times with various states and agencies. The court documents stated that Midland claimed to have a copy of the consumer agreement for all consumers who owe them. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. Theyre known to bully consumers and sue consumers all the time. I have attached a copy of my letter to them along with signatures. Please be advised that Midland has FAILED TO respond to me as outlined below : 1. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of  the original creditor in writing, the collector must cease collection efforts until he verifies the debt, or identifies the original creditor and mails a response to the consumer. If the consumer 's request for verification of the debt was made in accordance with Section 809 ( b ) of the Act, the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that " the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. '' In situations contemplated by Section 809 ( b ), the Act imposes the obligation to furnish verification before the collector resumes collection efforts. In the event the collector decides not to pursue the collection efforts, there is no requirement to furnish the documentation of the indebtedness to the consumer. In the event that collection efforts are resumed, the requirement to furnish verification to the consumer prior to resumption of collection remains. <P/>Once again please note that Midland has failed to respond to my requests or provide any documentation to the validity of this reported debt.
Consumer complaint received 2017-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

I received a collections notice regarding this balance on or about XXXX. Pursuant to my rights under the FDCPA, upon receipt of that notice I responded appropriately to dispute that alleged debt, requested verification of the alleged debt against me, and that a copy of the bill be mailed to me. I never received any response from any agency regarding this balance and assumed it was resolved.
<P/>
In XXXX XXXX, I identified a ( meritless ) derogatory remark on my XXXX  credit file in XXXX XXXX from Enhanced Recover Company, LLC. I had no prior contact with that company prior to that remark. I called ERC onXX/XX/XXXX. They had no records of any prior notices sent by your office or any other debt collection agency, nor could they send me verification of the alleged debt at the time of the XXXX XXXX call. I received a letter from ERC dated XXXX XXXX however it fails to provide the other required items required by the FDCPA 809 ( 15 U.S.C. 1692 ( g ) ), including sub-sections ( a ) ( 3 ) - ( 5 ).
Consumer complaint received 2016-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (CA)

I ordered a printer online with shipping included in the price I paid to the vendor. It was delivered by XXXX as scheduled by the vendor. Several months later I received a bill for {$50.00} for shipping ( exhibit A ). Then I received a collection notice from a debt collector ( exhibit B ). I sent them a letter stating that it was not a valid debt ( exhibit C ). I received another collection notice after that ( exhibit D ). Then I received another past due notice from XXXX ( exhibit E ) and a copy of the Bill of Lading ( exhibit F ) and a copy of the Delivery Receipt ( exhibit G ). 

On the bill of lading it clearly says Freight Charge Terms " prepaid ''. Under third party freight charges bill to it is blank. 
On the delivery receipt it says " prepaid - will invoice third party ''. 
In tiny print above that it says by accepting the delivery you agree to be responsible for any additional charges. 

I was never informed that there might be additional charges. I would not have accepted the delivery if there was. 
The reason for any additional charges has never been itemized or explained. 
It clearly says prepaid - bill to third party. I 'm not the third party.
Consumer complaint received 2017-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (FL)

I had a Barclay card, but for some reason they had me as i had 2 Barclay cards. When I realized I was paying along ( always on time ), and not knowing there were 2 cards which I did n't apply for, I tried many times to contact them and no one would get back to me nor they were reachable. They went ahead and reported me on the credit bureaus as both being late ( adding astronomical unknown charges ) and now they have ruined my credit ... ..they are not cooperative at all, and I need them to remove such negative items from my credit reports!
Consumer complaint received 2016-11-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My issue is with capitalone. I purchased a new car last from XXXX XX/XX/2016 and Capital One approved my car loan for six years. XX/XX/XXXX/XX/XX/2016, I paid {$20000.00} on the car. However, Capital One is charging me $ XXXX month, I assume since I knocked {$9000.00} in interest capital one needs to make back the interest they lost they did not change my car payment to {$86.00} a month for five more years.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Requested a validation of all account level information, and the company can not provide this information. They have not been able to provide any of the requested information and have made no attempt to provide the information to me. I have an increasing balance and charges on a closed account that are not explainable as well as other issues as being requested in the entire validation of the entire account from opening.
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

For the months of XXXX and XXXX Chase bank charged interest and late fees because I was told my full payment was made 2 days late. I explained to two different customer service reps and two managers that I was not sure how it could have been late since it was paid electronically like is done every month for the past 5 years and have not had a problem until now. They would not waive the interest charges. I fell like this is a scam to extort money from me. They are not interested in helping me. I ca n't believe that a good customer who spends around {$20000.00} a year on their card they would treat so horrible.
Consumer complaint received 2017-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

According to federal consumer laws, mainly The Credit CARD Act of 2009 banks are required to provide at least 45 days notice of any significant account changes.Without notice USAA restricted my online account access and shortly there after cancelled my account. No notice, explanation or documentation ( which was requested numerous times ) has been provided.
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

The Credit CARD Act of 2009 requires banks to give at least 45 days notice of any significant changes to a consumers account. On all 3 of my credit cards with USAA bank, with no notice they restricted my account access, within a week my available credit was frozen and shortly there after all my accounts where closed. I was provided no notice and was given no actual explanation. I 've requested documentation on numerous occasions which was all ignored.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: ASTORIA BANK (NJ)

5 years ago i did a refinance of my loan with Astoria Federal. At the time the loan was supposed to go from a jumbo to a conforming. Now I am finding out that this did not happen, I was lied to. My current loan with them is still considered a jumbo, even though it is {$220000.00}. 

I am now trying to refinance into a 15 year fixed. The rate on their page https : //www.astoriabank.comXXXX for a 15 year conforming is 2.75 %. They will not allow me to access this rate unless I pay them {$1500.00}. For their program that costs {$250.00}, they are offering me a higher rate, not the one advertised on their page. This bait and switch of rates is due to their error from last time I refinanced, when they promised me a conforming loan but did not deliver.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with XXXX XXXX that was opened in XXXX. This was brought up because they pulled my Experian Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.
Consumer complaint received 2016-02-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am Complaining about SLS my loan servicer, SLS says in a letter sent to CFPB that I will attach for your review that mediation took place on XX/XX/2016, but in fact their attorney refused to, and we ended up in court on XX/XX/XXXX instead of mediation which is what I was promised since the very beginning, also in that latter it indicates that meditation was postponed to a later date which is not true, a settlement agreement will also be attach for your review, their attorney offered me conciliation NOT mediation.
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I signed up for a credit card with Best Buy some years back at the XXXX, Florida store location. I noticed I have been being charged for a " fee '' called Enhanced Debt Protection plan. This plan is approximately a dollar a day. <P/>I called Best Buy and wanted to report this as fraud for which I was denied this right with them saying I had signed up for this plan. I also spoke with Citi bank who the card is through and also asked to report this as fraud and they also denied me the right to file a fraud complaint saying because I had signed up for this plan. Again, I told them I had never signed up for such a plan. I also called this so-called Enhanced Debt Protection plan number and had them to cancel this immediately and informed them I had never signed up for any such plan and that these were fraudulent charges and demanded that I receive a full refund. I was told that they would cancel this plan but it would be thirty days before I would get a letter in the mail saying if I would get a refund or not. I asked for an address for Enhanced Debt Protection and a phone number and was given a post office box in Texas and was told there was no other physical address of phone number to reach them. <P/>I sent an email to the Best Buy XXXX, Florida store tonight asking for help in this matter as well. I asked that they try to find my application and make sure there was not a glitch or a mistake or that someone had made a change in my application. <P/>I have seen online, after searching for an answer to my problem to see if others had the same problem, where this was a problem for many and they have said they also never signed up for these plans. <P/>From what I have read online it appears that this has been going on for quite some time now. I want my money refunded. This is purely a fraud/scam. <P/>Also, there is no email to reach Best Buy corporate available on the Best Buy website. I am tired of calling and getting no where on the phone with people. I want to start putting everything in writing.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I sent experience a copy of the court papers where me and my sons mother went to family court and she told the judge that she never filed for child support and the judge could not get any information from child support inforcement and the judge closed the case with no arrears and experience still has it on my credit report and still missing most of the information that 's supposed to be listed and what is listed is not true
Consumer complaint received 2016-09-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Mortgage servicer lost my cashiers check and is reporting it as 30 days late on my credit report. This was my first payment. I mailed it to my original servicer, XXXX, and it was never applied to my loan. I feel as though I am being the target of predatory servicing.
Consumer complaint received 2017-07-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

My account has been debited by the bank itself ( TD BANK ) for {$140.00} saying it 's a photo adjusted amount.When I call customer care as I 'm in XXXX right now calling them overseas the customer care represtative gives me wrong information saying I deposited the same check twice and that 's why the amount was debited.His information was completely XXXX XXXX just like the banks customer service. I have deposited two different checks on two different days and I have a picture to prove it from the banks app itself. Check number XXXX was submitted on XX/XX/XXXX. Check number XXXX was submitted on XX/XX/XXXX. I need this amount of {$140.00} back into my account as I have copies clearly mentioning two different checks deposited on two different days. I have sent TD bank emails for a reply too as they convince us customers they would reply in 24 hours but their customer service is so pathetic, it makes me wonder why do such people open banks like this if they ca n't help customers when they are overseas!
Consumer complaint received 2024-10-12
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. (FL)

On different occasions I have disputed the collection card accounts that erroneously appear on my Experian and XXXX credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by Experian and XXXX that they did not carry out an efficient investigation to determine that the account that appears on my credit report does not belong to me and they even put an address on the account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these erroneous accounts that appear in EXPERIAN and XXXX be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the wrong information shown on Experian and XXXX. XXXX XXXX XXXXXXXX Account Number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Please remove it from my credit report.
Consumer complaint received 2017-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

Equifax has re reported XXXX XXXX XXXX on my credit report without a 5-day notice which is against the law. <P/>According to the FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. <P/>( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion
Consumer complaint received 2016-10-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The principal balance of my HELOC was " forgiven '' by Bank of America, as result of the Department of Justice and XXXX XXXX XXXX global settlement with major mortgage servicers in 2012. Per the forgiveness agreement with B of A ( copy attached ), the bank was to " report to the major credit bureaus that your account was paid and closed. ". Contrary to our forgiveness agreement, B of A has reported the account as a charge off ( copy of XXXX Report attached ). My communication with the bank has not been successful in getting them to correctly report to credit bureaus.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-12
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)

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 XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % 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 2024-10-12
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)

XXXXExperian, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXX. 2024 XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my XXXX, XXXX, & Experian credit reports. Please delete ALL of the Following : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$2600.00} XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$750.00} - XXXX XXXX ) XXXX XXXX XXXX ( XXXX Accounts ) {$580.00} & {$980.00} - XXXX & XXXX XXXX ) XXXX XXXX {$380.00} - XXXX
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I wanted to set up automatic payment from my bank to pay the full bill every month on my Bank of America XXXX XXXX obtained through XXXX XXXX XXXX. I filled out the form from XXXX XXXX and wrote in that I wanted to pay the full amount every month. When the approval came through I noticed the credit card company was only taking the minimum monthly bill in the future. A cozy way for them to let the balance ride and charge me interest. I called XXXX XXXX, complained and had that automatic payment canceled. The person on the phone sent me another paper application and told me I could also make the arrangement to pay the full amount on line. Well I tried on line but there was no option to pay the full amount every month. On the second paper application there was again no blank to direct paying the full amount every month. Previously I had written in the instruction to pay the full amount every month. Knowing this would not work, I did not resubmit the paper form, nor try the online form, which also did not offer the option I sought. So far I only used the credit card on my first in-store purchase at XXXX XXXX XXXX and have, which I paid by check, but have not used the card since. XXXX has an option for paying the full amount monthly on an automatic basis, which I take advantage of for two Visa cards. I think the failure of XXXX XXXX to offer this option is a sneaky way to keep running balances so they can charge interest.