davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Arbitration Forum (LA)

I never received any written communication regarding this debt. XXXX XXXX called me on Friday, XX/XX/2016 and left me a voicemail on my cell phone stating he was a private investigator and threatened to pursue legal action without even speaking to me to let me know what it was in regards to. Left the same message at my parents home, my grandmother, and my boyfriends home. I called them back immediately and XXXX XXXX told me if I did n't take care of the debt by the XXXX of XXXX which was two days away that he would be at my home between XXXX and XXXX and were going to serve me with documents and take me to court. I advised him that I wanted to settle the debt and that I was unaware that I owed anything as the last payment should have come out of my checking account which was closed at XXXX XXXX XXXX XXXX when I got divorced. I tried to call back later that day to get a settlement offer and pay the debt, however they we 're closed. I received a phone call on Monday XXXX XXXX, 2016 and this time he did not leave a message. When I called back immediately, I pressed XXXX per the automated system and spoke with a Rep. Named XXXX XXXX. XXXX XXXX advised me that XXXX XXXX was handling my case but had left the office for the day for a meeting. I advised XXXX that I am unemployed at this time, but I had {$300.00} and that I was willing to pay {$300.00} today to pay the debt in full. He placed me on hold to obtain authorization for the settlement and came back on the line and told me it was approved and we proceeded to make the payment. He advised me that a receipt would be mailed showing Paid in full. At XXXX, I received a call from the debt collector and XXXX XXXX XXXX called to advise me that I did not speak to him when I called and that the offer that I received was invalid and that he would be refunding me my money and pursuing legal action. That XXXX, who works for the same collection agency and received approval for the settlement amount did n't have his permission to handle my account and that I needed to pay an additional {$260.00} to pay the account off. He said that I went behind his back and made an arrangement without his permission and continued to get very ugly with me and threaten me with legal action after the agreement was already in place and the money had already been drafted from my account. So basically because he wanted more money, he is trying to tell me that my payment will be returned and that the verbal agreement I made with XXXX XXXX who drafted the money from my account and told me it was paid in full after receiving authorization from his superior is invalid.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

Refinanced Ocwen mortgage in XX/XX/XXXX. To-date XX/XX/XXXX and it remains on my credit report. Spoke with Ocwen representative in XXXX and they show it paid. How can I get the debt removed from credit report?
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Shermeta Law Group, PLLC (OH)

In my request for production, plaintiff is unable to procure documents showing the transferring of alleged contract or account information from XXXX over to Shermeta Law Group who does not even practice in the county or state that I am in. 
Counsel objects to my request to provide a contract, agreement and assignment or other means demonstrating that the plaintiff has the authority and was legally entitled to collect the debt. 
They admit that no such assignment has occurred but they are not required to by law. They cite an XXXX v. XXXX XXXX District XXXX XXXX, but their firm and the original alleged lender do not practice even in XXXX County. 
Furthermore, I am not employed and I am on XXXX and they threaten to garnish my wages. In their letter which has conflicting dates as to when it was sent and when things are due is confusing. 
And MOST alarming is the statement that says, " It is to your advantage to avoid garnishment of personal earnings because the extra burden on your employer could possibly cause you to lose your job. '' That is a threat and a fear tactic and illegal!
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed one of my credit cards without notice. Their explanation did not make sense, and was an error. They said I should n't have been approved in the first place. Now I am worried I have an inquiry and a short credit card stint showing on my credit report.
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been deprived of my income as Bank of America continues disappearing my direct deposit payments. In addition to their incapacity to secure people 's money 's, they are massively in mature as they trivialize their failures sending me an email saying : We got your back Fraud protection is back '' They are all very damaged organization full of arrogance and the belief that they are above the law. 
This is the fourth time I file a complaint against Bank of America and nothing happens to them. Had I done one inch of what they have done, I would have lost my license. How come they have more rights than the rest of the Americans? I I was supposed to receive moneys from XXXX {$290.00} on XX/XX/2017 and there is nothing in my account. 
Whe is the Federal government act as as a protector of the citizens who work for a living rather than the arrogant corporations destroying the citizens?
Consumer complaint received 2015-04-23
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Asset Management, LLC (MS)

I was first contacted by Pinnacle Asset Management ( PAM, LLC ) on XXXX XXXX, XXXX. The guy ( XXXX XXXX ) told me that I had a online loan of {$150.00} from XXXX that I owed for and since it had been so long, with late fees, etc. the amount I owed was nearly {$400.00}. He told me it was scheduled to go to court in XXXX XXXX ( the county I lived in at the time ) on XXXX/XXXX/XXXX. He told me if I made a payment immediately he could settle for {$270.00}. I told him I did not get paid until Friday but then I could pay it. He told me I had to go ahead and give my debit card info and he would run the card on Friday and if I did not do it then it would go to court the next day and my wages would be garnished. I asked him how did I know he was who he said he was. He got really defensive with me about it. I ended up giving him a card number from my XXXX XXXX card. After we got off the phone, I called the original collection agency who had the account and they said it sounded like a scam to them. At that time, I cancelled my card immediately. This is wrong to scare people into paying something that could or could not be legit. He scared me so bad I was willing to not pay other bills I owe to pay this and keep from going to court or getting my wages garnished. I went to XXXX to check the number he called from and got information that this is a mobile phone with XXXX. When I asked him why he was calling from a cell phone he told me he was not. This business is lying to people and misrepresenting themselves!!! I almost felt like it was personal with this guy that he punish me for my XXXX debt that I am not even sure still exists. I am still looking into it.
Consumer complaint received 2017-03-08
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Law Offices of Goldsmith & Hull A.P.C. (TX)

I reached out to Goldsmith Law Office. I talked to XXXX. She states would send out in writing in detail by U.S. mail, the Student loan debt I owe, that was on Friday XX/XX/2017 between XXXX and XXXX CST. She said that she would send documentation and I told her once I receive this I will make arrangements to set up a payment plan. I called back Monday XX/XX/2017 at XXXX XXXX CST, to see if documentation of my loan and amount that I owe can be sent to me in writing and she was acting like I never spoke with her. So I am taking this measure to get paperwork in writing sent to me. Last XXXX numbers of my case is XXXX. 

The Establishment name and address is Goldsmith & Hull Law Office- Attention XXXX XXXX, CA XXXX Office # ( XXXX ) XXXX XXXX Direct Line ( XXXX ) XXXX
Consumer complaint received 2017-04-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Regional Management Corporation (SC)

I asked for verification of XXXX debts from them. Never got verification. Just a letter stating that it was frivolous and will not investigate. They just closed the accounts and charged it off on my credit. That tells me they have nothing to state i owe them. I never signed a contract with this company.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC (MT)

In XXXX 2013 I entered into an agreement to make monthly payments to P & B Capital for a debt from XXXX credit card that had been charged off on XXXX/XXXX/2013 in the amount of {$1600.00}. I was told by the collector that XXXX XXXX had purchased the charge off and sent the account to P & B Capital. My first payment began XXXX XXXX, 2013 in the amount of {$67.00}. My payment were monthly till XXXX of this year. I tried to contact the number I had written down when I entered the agreement in 2013, but was not able to reach anyone after I calculated I only had XXXX payment remaining. I received my first phone message to call the collection agency XXXX XXXX to discuss the missed payment. I called the collector on XXXX XXXX in the morning and was told that since I failed to make the final payment the agreement was now void and I owed {$600.00}. I was told by the collector that my payment had been returned. I told them I had not been notified by my bank there was a problem with the payment. I also communicated that no one contacted me to try to resolve the issue until now. After work on XXXX, I contacted my bank and was told that there was no attempt by P & B Capital to collect the final payment in XXXX. I feel that this is a " bait and switch '' tactic to collect more money from me. I called P & B and spoke with a floor manager after I called the bank and was told it was not returned by my bank, but by their system. I asked why they did not rerun the ACH since it was an error on their end. Was told company policy does not allow them to rerun if it was returned. Their policy is in place when there are insufficient funds as are majority of companies that run ACH transactions. This was not the issue, and I wondering if the transaction even was run at all since they knew it would be in default if the payment was missed. I asked them to work with the creditor who placed the debt to settle for the final last payment of the agreement, and I am waiting for a reply. However, I am under the impression that they will not agree after this mornings conversation they would only settle for half of the new debt amount. 
All I want resolved is my final payment to be taken in the amount of {$67.00} and for the debt to marked as paid. I refuse to pay more money to an agency who does not send out letters to collect and does not call. If they did call when I was at work they did not leave a message for me to call, so I have no idea if they did call or not.
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Recovery Corporation (TN)

REVENUE RECOVERY CORPORATION Has stated I owe on XXXX account but in XXXX different ones at once!! I only used the XXXX Original Creditor. It has stated I owe {$38.00} and {$44.00} for the same thing. I was wondering Why, Do I owe on the same thing XXXX times when It was only for one thing. It was me getting XXXX from the company.
Consumer complaint received 2021-10-18
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-18
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have had numerous things put on my credit in past years such as Texas attorney general for XXXX children that arent mine. Auto loans and credit accounts that were not mine either in the past. The credit agencies had the year wrong on my birthdate up til last year which they changed for me. This past Saturday I checked my XXXX XXXX app I was looking to trade in my vehicle for a new one. I was pre approved with my credit above 640 Saturday morning XX/XX/2021. When I went to purchase I told sales person I was pre approved with a few companies the dealership contacted the banks and now they wont give me credit. My credit fell almost 200 points in 2 hours? The reporting company Toyota MTR Im not sure who that is since they told me it was Toyota financial well they show an XXXX and XXXX paid but hadnt paid XXXX yet due on the XXXX. I am 6 days late and credit fell almost 200 points. Also when I purchase the vehicle I have now when I signed the contract what I signed isnt what I was getting for finance rate its much higher so I wanted to get out of that vehicle and start a new contract with new vehicle. The fraud now on my credit I cant do anything. Someone is manipulating my credit as they please and it also shows 41 hard inquiries that I didnt make I get pre approved and have only used my credit a couple times ever. No judgements dont have bankruptcy nothing. My drivers license was stolen about 2 months ago which I reported to XXXX county sheriff dept. also my XXXX XXXX app shows now that my credit dropped 16 days ago thats not true it dropped on Saturday the XX/XX/XXXX. Also have a collections that was removed and now has reappeared that is not mine. Thats over XXXX dollars. I hope this is enough information. My email is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2021-10-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 120 days late payments on my credit report. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I also tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 
XXXX-Balance $ XXXXDate Opened : XXXXHigh Credit : {$4000.00} XXXX-Balance $ XXXX Opened : XXXXHigh Credit : {$2600.00}
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Smith & Smith Investors LTD (NE)

After reviewing my credit reports, I have found invalidated information which has been reported by Hawkeye Adjustment Service, located at XXXX XXXX XXXX, XXXX XXXX, IA, allegedly opened on XX/XX/XXXX, that I dont recognize. To my knowledge, I have never received any notice or communication from this company previously. I disputed this alleged debt, in writing, on XXXX XX/XX/XXXX directly to Hawkeye Adjustment. Letter and certified mail/return receipt proof are attached to this complaint. This letter requested validation and proof of the alleged debt, that Hawkeye Adjustments legally owns the alleged debt, accounting of the alleged debt, their license and legal ability to collect debt in the State of Nebraska, among other pertinent forms of proof. 

On XXXX XX/XX/XXXX, I received a response from Hawkeye Adjustment in the mail dated XXXX XX/XX/XXXX. The response is also attached to this complaint. A self-generated List of Accounts by Hawkeye claiming XXXX this is an attempt to collect a debt. '' Besides not validating, verifying, or proving anything, this accounting of an alleged debt states that the last creditor activity was XXXX XX/XX/XXXX. If that is true, then this alleged debt is time-barred according to the laws of the State of Nebraska. More so to this point, there was no proof in their response that Hawkeye Adjustment is legally allowed to collect debt in the State of Nebraska, for which these operations require a license. Fortunately for me, the State of Nebraska posts a complete list of Licensed Collection Agencies on the Secretary of State website. This list was last updated in XX/XX/XXXX, and Hawkeye Adjustment is nowhere to be found on this list. I can only surmise that this company has been illegally operating in the State of Nebraska the whole time they have been wrongfully and illegally reporting unverified and inaccurate information about this alleged debt on my credit reports, for over 3 years according to their own documentation.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2024-09-18
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. (IL)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. The account names are as follows : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Type : XXXX  XXXX Bankruptcy Updated Account XXXX has reported an increase in the total amount of collection account balances on your credit report. 
Collections Balance : {$29000.00} I looked at my XXXX Credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ) Please remove this from my XXXX XXXX Credit report ASAP. Thanks you.
Consumer complaint received 2021-10-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Leaders Financial Company (NJ)

I, XXXX CALLENDER HAVE NEVER MISSED MY CAR PAYMENTS THRU OUT THIS
 ENTIRE LOAN. ACCOUNT # XXXX, VEHICLE FINANCED, XXXX XXXX XXXX. LOAN  RECEIVED XX/XX/XXXX XXXX THRU (XXXX XXXX) AND THIS COMPANY (LEADERS FINANCE). I WOULD CORRESPOND WITH XXXX) IF I WAS HAVING A PROBLEM WITH MY ACCOUNT. THE STAFF HAS ADDED UP TO XXXX IN SO CALLED LATE FEES THAT ARE NOT CORRECT.

THEIR ADDRESS IS XXXX XXXX XXXX XXXX XXXX
CXXXX, NEW JERSEY XXXX.
XXXX

WOULD LIKE THIS ACCOUNT FIXED AND THE INCORRECT INFORMATION TAKEN OFF OF MY CREDIT.

PLEASE ADVISE,
XXXX CALLENDER
XXXX XXXX XXXX FL. XXXX XXXX XXXX, NJ XXXX
XXXX
XXXX
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC (CO)

Every 6 months for the past 2 years, Waypoint Resource Group of XXXX Texas attempts to collect a 5 year old {$100.00} debt to Comcast ( which I was told at the time that I will not owe ). Their method of contact is to " ding '' my XXXX Credit report without contacting me by any other means, ie ; mail, phone, email, etc. 
I contact them ( on a recorded call ) and attempt to settle the debt which is refused. After several weeks they are removed from my Credit Bureau. Like clockwork, 6 months later the same thing occurs. 
I feel that this is harassment at the very least. 
I have worked diligently for the past 3 years to elevate my credit score, only to have it take a 27 point " hit '' every 6 months. Please make them stop this harrassment.