davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: H. Kent Hollins, Attorney at Law, P.A (GA)

This judgment was filed XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX XXXX XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My wife and I declared Chapter XXXX bankruptcy in XXXX, 2013. Our petition was accepted and we have been current on all of our plan-related obligations to date. However, XXXX creditor, XXXX Bank, has continued to report late payments almost every single month to all XXXX credit bureaus. 

Last month I submitted a direct dispute request to Transunion via XXXX XXXX, but about a week later the dispute was completed with no change being made to my credit report. 

What are my rights and how should I handle this?
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Yesterday evening ( XX/XX/XXXX ) I attempted to use equifaxsecurity2017.com to check whether my information was part of a hack Equifax experienced this summer. Instead of allowing me to simply check my status, it enrolled me in their XXXX service immediately upon entering the information requested, and asked me to check back in next week to confirm my enrollment. I do not consent to their service. 

According to Equifax 's website ( equifaxsecurity2017.com ) this evening ( XX/XX/XXXX ), my  personal information may have been compromised by their hack. I have been unable to contact Equifax to receive further information. As of XXXX EST this evening, their phone only gave a busy tone. I then called again at XXXX, stayed on hold for 56 minutes until the hold music stopped and only silence could be heard on the other side of the line. ( I then stayed on the line for at least another 15 minutes  hoping someone might notice me. ) Equifax provides no email address to contact them. 

I do not consent to waive my right to be part of a class action lawsuit against the company, nor do I consent to the use of their services. I have been unable to find a way to contact XXXX to request more information regarding my status on these issues.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I was listed as affected by the Equifax data leak. 

The company has made no attempt to contact me. 

Their potential impact website and pin unlock process is not sufficiently secure or randomized. 

I am disappointed in their delayed announcement, arbitration clauses for resolution agreements, and that they are trying to charge for future fraud monitoring services.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Neighborhood Assistance Corporation of America ("NACA") (GA)

I applied for a loan through NACA in XXXX of XXXX. They pulled my credit three times that I can see on my credit report. In XXXX, the mortgage officer said that he was working on getting my loan approved but there was some policy change that was about to come into effect that may affect the amount I was approved for. He assured me that he had a copy of the NACA policy stating that unreimbursed employee expenses should not reduce the amount approved for. In XXXX, he provided me with a qualification l letter for the amount requested ( attached ). In XXXX, after searching two months for houses and finding the one, I reached out to get an approval letter for the property to start the contract process. He responded back with the letter, but said that new policies are now an effect requiring the employee expenses to be taken out and this will affect affordability ( email attached ). But he still provided me with the letter ... also attached. I reached out to the National NACA director, XXXX, via XXXX, and he responded back that there should be an exemption process. When I provided this information to the XXXX Office director ( After camping out in the office when he would n't return my calls/emails ), he said that XXXX XXXX was incorrect and that the policy had been in effect for years. I showed him the email from the mortgage office in his office saying that it was a recent policy, showed him the letters, my income, etc. He said that I should have never received a letter to begin with for that amount and that he 'd call me the next day. That was in XXXX. I have not heard back since. 

I want all NACA inquiries removed from my credit. I went through NACA before to get a home in XXXX, and it was not like this. Something shady is going on in that office.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (VA)

Hi, Happy new year! 
I opened an amex XXXX card on XXXX XXXX, 2016 but I did not receive XXXX reward points. I called Customer service and they said I will not receive it because I have Premier Rewards Gold Card. To the best of my understanding, the XXXX cards are different products and therefore I should be eligible to get opening bonus. In addition, many friends received bonus of both cards. I wish I will be treated equally. 
Could you help me solve this problem? 
I greatly appreciate your help! 
XXXX
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Caliber Home Loans, Inc. (MD)

On XXXX XXXX, XXXX, I, and my former wife, XXXX XXXX XXXX, executed a contract for the purchase of a recreational vehicle in the State of XXXX. In XXXX, XXXX and I separated. As we proceeded towards divorce and a separation of assets, in XXXX the recreational vehicle was voluntarily returned to the finance company. No payments were made after the return of the vehicle. At no time did the finance company comply with XXXX laws regarding repossessions and serve the necessary pre- and post- repo notices, nor did it ever advise as to the disposition of the vehicle. However, in clear violation of XXXX law, Caliber Home Loan attempted to collect on this debt in XXXX. When I responded that they were far outside the statute of limitations, XXXX filed a XXXX with IRS. XXXX law is very clear that unless a finance company complies with all of the required notices, it is no longer in a position to collect on the deficiency balance. Caliber then stated that a payment was made in XXXX but that alleged payment is not listed anywhere in the account history provided to me by Caliber. Finally, Caliber mailed a statement stating " YOUR ACCOUNT HAS BEEN PAID IN FULL. '' When speaking to a representative of Caliber, I was informed that the account had been charged off and that no payments had been made. Further, this statement indicates that the recreational vehicle is now listed at an auction site in XXXX.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

My personal information was included in the recent database leak from Equifax. Information includes SSN, DOB, first and last name, and my address. I believe a company possess information as valuable as this should be help accountable for their actions.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MN)

I have a VISA account with Citi as a result of them being a Costco service provider. I had several issues with their billing and decided I would pay off the account and ultimately close it. I scheduled an electronic payment for XX/XX/2017 based on my statement that paid the stated balance in full. I received the statement for XX/XX/XXXX and there was an interest charge of {$4.00} as of XX/XX/2017. I called and the service rep told me that this was an interest charge on the prior month 's balance. In other words, they are billing me interest even though there is no outstanding balance at the time the interest is being charged.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

CFPB Complaint Experian XX/XX/2016 Reference Credit XXXX Bank XXXX. XXXX Credit Card XXXX XXXX XXXX XXXX Why does this account continue to be reported under furnisher XXXX XXXX Bank and not XXXX XXXX Bank, NA? 
Attached is my Experian Reports Experian report number XXXX dated XX/XX/2016 results of an Experian investigation show XXXX furnishers for the same account XXXX And XXXX Experian report XXXX dated XX/XX/2016 Furnisher reporting for same account XXXX Would n't the correct furnisher for this IIN or BIN number be XXXX? 
Could you please look into this? 
Thank you in advance for your time in this matter.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Michael Haynes & Associates, LLC (NY)

We had a small business during hurricane XXXX and took a loan from XXXX, after the disaster we lost the business, years later collection companies started calling about the balance of the loan and we told them the situation, the fema and Sba has helped us get back up and running but this new collection company keeps trying to collect on our loss, we made the mistake of giving our checking account but he never processed any payments because he tried to get more each time
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Upon news reports of the Equifax data security breach, I used the available resources from Equifax to determine if my personal information was affected. Per the Equifax resources, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Since Equifax was breached at times between XX/XX/XXXX and XX/XX/XXXX and did not notify me until XX/XX/XXXX, I believe Equifax to have violated my rights as a credit consumer by not notifying me in a timely manner. They left me exposed to potential fraud against my accounts. 

In addition to failing in their responsibility to notify me in a timely manner, their offer of a year of free credit monitoring - which will auto-renew and begin charging me unless I automatically cancel, is an insult on top of the potential injury.
Consumer complaint received 2017-01-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CT)

On XX/XX/XXXX I made an agreement with then XXXX XXXX ( now serviced through Navient ) to settle my loans through them for a total of {$17000.00}, I was told by the representative that in order to allow this settlement and to set up my automatic payments of $ XXXX/monthly, I needed to pay them {$5000.00} to be eligible. I paid them {$5000.00} XX/XX/XXXX. The settlement was that I was to pay $ 200 monthly until the {$12000.00} remaining balance was paid off. I made my final {$200.00} payment to Navient on XX/XX/XXXX. I verbally confirmed this with my 'account representative ' XXXX. I asked Navient 's account representatives to send me confirmations of my payments, bills, as well as a letter stating the terms of my settlement. I never received anything after multiple phone calls over the past five years. I logged into my account to see that my address information was erased, yet they require this information to be given every time I call. I contacted Navient XXXX/XXXX/XXXX and the representative I spoke with gave me a case # of XXXX, yet told me that her department does not handle payments and that I need to call back on XX/XX/XXXX to check the status, as well as, contact Navients " collections department '' after 45 days of my final payment ( which was XX/XX/XXXX ). XXXX/ Navient never updated my status to a settlement account from defaulted on my credit, therefore every month for the past almost 7 years, they are reporting my account as seriously as past due and that I have not made the required payments. I have never missed a payment since reaching this settlement agreement with them on XX/XX/XXXX. They have seriously negatively affected my credit and have hindered my life due to refusing to update my loan status. My loan is paid in full as of the XX/XX/XXXX payment and I would like for the settlement to be completed and shown as paid in full on my credit, as well as with a letter stating this from Navient.
Consumer complaint received 2017-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

in hopes this claim and its facts are not overlooked, on or around XX/XX/XXXX WELLS FARGO did allow my sister to join my account to hers without my knowledge nor ssa XXXX. on or around XX/XX/XXXX i called the excutive of accounts at wells fargo, after giving her my information she then researched and told me that the account ending in XXXX and ending inXXXX my sister XXXX XXXX had joined her account to mine, and it was put in the way that i was her beneficirary, infact my account was for me a beneficrary of ssa XXXX, and i changed payess on XX/XX/XXXX she i was told closed the account and the money was hers. now according to ssa the account always was and until now is my direct deposit acount, i was given a routing number for direct deposit XXXX, and even the treasury department can verify that, it is not a regular routing number as its claimed to be by XXXX XXXX. thus when she closed the joined account the lady told me that was it, that was XXXX money. and i needed to talk to her or ssa. i cant talk to my sister, and reported her for taking my money as well as wells fargo for allowing this to happen without my consent. as i am cometent and can sign my name, nor have i any guardian as thier new by laws stipulate that is the only way it can be done. 
i lost according to ssa which my later uploads will prove over 60,0004 that since XX/XX/XXXX wasnt even able to see on my account ending in XXXX and also i do not know how i got so many accounts, this violates my rights and the law as well. i was very amazed that wells fargo has tried to denie with white copies that these accounts dont or did exist, then show the transfers between said accounts. nor would ccf over look this, now today i will upload pdfs downloaded by fargo, and they will have the certifacions on them. i do not alledge or claim, i state these facts are real and authentic, and be aware i have filed claims with all oigs involved. it amazed me that such an esteemed finacial instution used such weak tatics, and also that ccf over looked my evidence., so if you look at each file i uploaded you will see that i speak the truth, and there has been an injustice done. but if you dont and just forward to the bank and let them decide, thats a violation of your own code of conduct.added note there are three ssi payments i cant find that was paid in XX/XX/XXXX, and none but XXXX dolaars i saw on my accounts, ssa crime and fugitive divison is looking into this matter as well
Consumer complaint received 2017-08-26
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. (MO)

I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX. I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX. I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies
Consumer complaint received 2016-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX I received a replacement Business Credit card for the one that was do to expire in XXXX 2017. I activate the new card and destroy it by mistake and kept the old card when I call Bank of America customer service they said I would receive a new card in two days. Three days later a Bank of America complience office call me and said I would to call to unlock my consumer credit file which is frozen because I am a victim of ID thief. First he gave me to wrong number then when I call Bank of America they told I would have to take a hard hit on my score. Since I can see my credit score on the Bank of America web site anytime I login why is it necessary to take a hard hit on my credit score. I have mortgage with Bank of America and personal Credit card account. They have make it very difficult for me to want to do business with Bank of America
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ME)

I am
one of the many citizens impacted by the Equifax hack. I was never directly contacted by the company to inform me of this, even though they have my personal information. This XX/XX/XXXX, I was the victim of credit card fraud of over {$7000.00}. I do not know if this event is related to the Equifax
hack, but the timing is suspicious. Fortunately, my credit card company has reversed these fraudulent charges, but I have spent many hours on the phone resolving this issue.
In addition to signing up for the free credit monitoring service for 1 year, I plan to freeze my credit tomorrow morning. From what I have read, this might have a charge associated with it.