davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (WA)

Loan 1 : XX/XX/XXXX Promissory Note Amount {$990.00} Loan 2 : XX/XX/XXXX Promissory Note Amount {$1500.00} Received {$500.00} Cancelled {$1000.00} Total amount received for both loans {$1400.00} ( {$990.00} + {$500.00} ) While I was in school at XXXX XXXX University monthly payments were taken out of my mother 's pay checks from our credit union, XXXX XXXX XXXX XXXX. On the tax statement provided by them on XX/XX/XXXX both loans show a balance of {$0.00} and state LOAN PAID IN FULL. I no longer owed on these two Federal Student Stafford Loans. 

Upon graduating from XXXX XXXX XXXX University in XXXX, I was sent a Stafford Repayment Obligation from XXXX XXXX XXXX dated XX/XX/XXXX. This document states that one of my student loans was in forbearance starting XX/XX/XXXX, ending on XX/XX/XXXX. The loan they are referring to was one of two loans I received while attending XXXX. That information is correct. However, listed on the first page of this repayment obligation are not only the two loans from XXXX  XXXX   XXXX University but also the two previously paid off loans from when I attended XXXX XXXX University. These loans also show the {$1000.00} that was cancelled from the second loan where I only received {$500.00}. This is incorrect. As I stated above, these two loans were paid in full. 
Please see attached documents as proof of the loans being fulfilled. 

XX/XX/XXXX - I received from my current employer a copy of a document that was sent to them titled UNITED STATES GOVERNMENT WAGE GARNISHMENT ORDER ( XXXX ). The total amount said that I owe the federal government is {$18000.00}. Prior to this notice I had received mail at my home threatening to garnish my wages. I responded to this by mail and also tried to object by phone. The help I have received to stop my wages from being garnished and also to address my first two loans which were paid in full is NONE. I have exhausted my options at this level.
Consumer complaint received 2019-01-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (MD)

Pacific Union Financial , LLC RE : Loan # XXXX FHA Case # XXXX A Foreclosure Sale date is a scheduled for XX/XX/XXXX. My, XXXX XXXX, 3rd Party User, called my lender, on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, spoke to XXXX, ID # XXXX, of Loss Mitigation Department, to find out if the Authorization and 61 pages of the loan modification documents were received ( they were ) and the postponement of the Sale occurred/pending loan modification processing. XXXX told XXXX because of the insufficient time ( 30 days ) to the foreclosure sale date, Options ( loan modification nor short sale ) were no longer available that we needed to call the foreclosing attorney, XXXX XXXX XXXX XXXX XXXX ( XXXX ) made no sense in that they were the source of mitigation ( which ) XXXX requested to speak to a Manager.

XXXX asked for XXXX phone number ( XXXX ) that XXXX, Supervisor ( mind you ) with no ID # would call XXXX back within ( 48 ) hours was another attempt to deflect postponing the Sale for a loan modification or short sale purchase is why this Compliant is being filed, notwithstanding. XXXX stated to XXXX that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that their discretionary business practice of ( 30 ) days contradicts and violates the State of Maryland Law. If the foreclosure sale and/or ratification occurs, XXXX and all Parties involved will have committed a felony.

Per FHA guidelines ( Case # XXXX ), we are allowed a loan modification or a short sale our property for the ( {$3000.00} ) relocation assistance with no pursuit of a deficiency judgment.

Please pull the phone transcript to verify the conversation with the above Parties. XXXX must NOT be allowed to circumvent the Law, the last time this happened the 2007 mortgage CRASH occurred.

Are we being profiled because we are Hispanic or is this a standard business practice with Pacific Union Financial , LLC to forbid disavow our foreclosure Rights? A denial of Due Process will be deemed an act of conspiracy and conversion and will be ( if necessary ) be escalated to the TV stations channels 4, 5, 7, and 9 Investigations Teams, my State Delegates, Senator, Governor, the Office of the Commissioner of Financial Regulation, Office of the Comptroller of the Currency, State Attorneys General Office and/or pending a Class-action lawsuit.

I have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief, is true, correct and complete.
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I  respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Waypoint Resource Group, LLC (TX)

I've recently paid a debt owed through the credit collection service Waypoint. After paying the debt in late XXXX, i begin to contact them with hopes of speaking to a supervisor in regards to deleting/removing the collection from my credit history. The cable company the debt was owed to made notes in my file to have the collection deleted once paid ( reference # XXXX ). When calling, I was told each time that a supervisor would be in contact with me within 24 hours. In a 3 week span I've called at least 10 times and have yet received a call back. The last call i made was to a customer service agent named XXXX XXXX, who mentioned her supervisor XXXX XXXX would call me back. I also asked does my file show the other attempts made to speak with a supervisor? She stated yes, however not all attempts. Again, i am being told someone will call me back however no one is documenting my file to show my requests. Please note that this was an outstanding cable bill in collections, and the cable company has documented my file to waypoint showing they have requested it be deleted/removed. Nothing has happened.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (TX)

NCB Management has an account reporting on my credit report with XXXX. It shows opened XX/XX/2016 and has an open status. This does show included in bankruptcy in the notes and a XXXX  balance but they refuse to close this account. I disputed this with them and XXXX  but have not had this corrected. It is still showing open and under my collections on my report.
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC (TX)

Continued calls looking for " XXXX XXXX '' to collect a debt. I have had this phone number for 25 years, and no " XXXX XXXX '' has been at this number in that time. 

After eight calls, I called " XXXX XXXX '' ( XXXX ) XXXX on XX/XX/XXXX. " Miss XXXX '' said that she would remove my number from their calling. I asked for information about " XXXX XXXX '' and she rudely hung up on me. 

After receiving yet another call, I again called " XXXX XXXX '' on XX/XX/XXXX and spoke with " XXXX '' who said that she would remove my number. I asked her if the Attorney General of Texas would be interested in hearing about this case and she rudely hung up on me. 

After receiving another eight calls, on XX/XX/XXXX I called the number on my answering machine ( XXXX ) XXXX which seems to be " XXXX XXXX XXXX '' and spoke to an unidentified representative. I explained that I had been receiving calls for XXXX XXXX, not at this number, and the rep hung up on me mid-sentence. I immediately called back and spoke with " XXXX '' and explained the harassment, and asked her if the Attorney General of Texas would be interested in the case. She sarcastically responded " You mean that we have removed the number from our systems? '' I responded no, that I had been harassed numerous times despite telling them that there is no XXXX XXXX at this number. " XXXX '' hung up on me. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received another three calls. This time the call back number is ( XXXX ) XXXX. I have taken no other action since receiving these calls.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Upon attempting to use my credit card with Bank of America, my purchase was declined. After contacting them to discuss why, my husband and I were told that their system was closing the account on XX/XX/2019, as they needed to confirm some information on the account. What was needed was never offered. I was initially advised that Bank of America could correct the situation but later was advised by XXXX XXXX, Manager, that the only way they could resolve the issue was to allow the closure of our 21 year old account which would have an adverse affect on our credit scores and to start a new account. This would require a hard inquiry on our credit thereby adversely affecting our scores again. It is absurd that our credit scores suffer as a result of issues within Bank of America. I look forward to hearing further from you.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I sent out a dispute on XX/XX/2019. The dispute was over accounts on my credit report that is seriously hurting me getting employment and other credit. Instead I was ignored for over two months waiting on them correct this mistake. After all this, I get a result after I wrote about the delay. It seems like a don't care tactic on their part.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Re-aging accounts on my credit reports which are obsolete. I have contacted XXXX and Equifax in regards to disputing outdated information on my credit report. Well, XXXX and Equifax is still reporting obsolete creditors and refuses to delete the re-aged accounts which is against the law. XXXX  and Equifax finally deleted some of the obsolete accounts but they left 16 accounts by this one creditor XXXX XXXX. This creditor has to be a collection agency stemming from the original creditors because all the outdated information that was deleted this creditor XXXX XXXX is now showing all the amounts from the deleted creditors. I had never heard of this org. I have requested numerous times for XXXX and Equifax to request for this creditor to provide the original creditors information such as opening dates, payment history etc, this is of great importance as it will demonstrate that this creditor is re-aging the accounts to keep on my credit which is against the law. I am again asking for XXXX   and Equifax to delete the 16 accounts from XXXX XXXX. A collection account is considered a continuation of the original debt. '' It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with " updated '' activity dates, I will have to file a legal case against them. Its not fair for me to have to continuously go through this when this creditor is reporting false information. Its not fair for me to have to seek legal representation but I will have to because me filing disputes are not getting this issue resolved.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

I received a {$36.00} overdraft fee for items posted on XX/XX/2018. I knew that my balance was low, and checked my online banking repeatedly to make sure I was not below the threshold which cause an overdraft fee ( which is negative {$5.00} ). At no point that day did my account show that I was that low. 

Today, I have a {$36.00} overdraft fee. And, in reviewing the account, all the charges appear accurate. My issue is, all of those charges were not showing yesterday. So my account did not reflect a low enough balance to trigger a fee in real time. 

My contention is that the bank should either show the transactions in real time. Or, if the transaction does not show on a date in real-time, it should not post on that date. When a debit appears one day retroactive, it gives the customer incorrect information and literally no time to make a correction. 

I don't have a screenshot from yesterday to reflect how the account appeared at the time. I wish I did. But I did speak to PNC 's customer service and they agree that this scenario is possible. However they don't deem it to be a bank error because the transaction totals are ultimately correct. I disagree and believe the {$36.00} charge should be reversed.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Greetings I have initiated multiple disputes with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my EQUIFAX credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2019-04-13
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: EQUIFAX, INC. (NC)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX I
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. Each are to deny any request for credit or information under the name XXXX XXXX XXXX XXXX any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.
Consumer complaint received 2019-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (UT)

IC Systems-XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. 

Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. 

All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.
Consumer complaint received 2019-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2019 I noticed that there were two unauthorized transactions that had been processed on two of my checking accounts. One was for {$1300.00} ( claim # : XXXX ) processed XX/XX/2019 and the other was for {$1300.00} ( claim # : XXXX ) processed XX/XX/2019. Both through XXXX XXXX, both to the same person. I immediately called Chase and reported the unauthorized transactions, which in turn created two different claims being filed. On XX/XX/2019, all 9 accounts that I was on were closed and reopened. My online access username was changed as well as my password. Also on XX/XX/2019, I worked with my IT department and received a new work computer so they could erase the old, should that have been a security concern. On XX/XX/2019 one of the checking accounts received a temporary credit for {$1300.00}, however, the other did not. Today, XX/XX/2019, I was told by Chase that the claim for {$1300.00} was denied, due to consistent activity from the same IP address. However, the IP address that Chase provided does not match any IP addresses for any device or computer that I use. They told me that I could fax proof that it was not me, however, will not explain to me what information I need to provide. I called our local Chase branch that helped us when we had to close and open the new accounts and she informed me that when she talked to the " back office '' fraud department our information that they told her that even if I provided my device & computer IP addresses, that didn't mean that it wasn't me. She told me she didn't know what else she could do for me. My husband is a XXXX XXXX with the XXXX XXXX  XXXX and has contacted our financial crimes unit to open a case. We also have the persons name and phone number that it was transferred to, however, he says that he is only 17 and didn't know why the money was put in his account, but gave his " address '' and his fathers " phone number ''. However, once my husband realized he was 17 he quit talking to him. My husband attempted to contact the fathers phone number but no answer.