davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (VA)

Direct Recovery Services sent a text message to a friend of mine that included my name, the statement that it was an " Important Private matter '', as well as links and information that would easily give that person access to my private information. They insisted that they did not give out my information, as if no one could figure out what that text was about. Also, if you clicked on the links, all you had to do was answer yes to a couple of verification questions to gain access to the full information. 

When I called to get a mailing address to send these people a cease and desist letter. They transferred me, put me on hold, and one of the reps XXXX questioned my character, made a XXXX comment, and several other comments, when I told her all that I wanted was a mailing address. The 3rd rep I spoke to gave me a bogus website address so I could " find the address '' myself. After searching the name of the company, I did finally find the address in under 1 minute, a great deal shorter time that the two reps kept me on hold while they looked for the address of the company they worked for.
Consumer complaint received 2019-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MA)

My mortgage was with XXXX XXXX until they transferred it to M & T Bank in XXXX, NY. 
M & T Bank sent me a letter asking for an increase in the amount of the escrow account of {$280.00} per year. In addition they are increasing the amount of my current mortgage payment of {$1800.00} per month to {$1800.00} per month an additional {$21.00} per month or {$250.00} per year. 

The problem is this : I called M & T bank in XXXX to get an understanding of why if the bank is increasing the amount of my escrow to cover the taxes, insurance, etc., that the M & T Bank has to pay during the year, why isn't the increase included in the escrow shortfall of {$280.00} that I am being asked to pay which I think should include the additional {$21.00} they are increasing my monthly payment from the current amount of {$1800.00} to a new amount of {$1800.00}? 

When I asked the supervisor from M & T Bank, XXXX XXXX, he advised that the increase in my current mortgage payment from {$1800.00} to the new amount of {$1800.00} was due to increases in my taxes and insurance. My question is, isn't the increase in the escrow supposed to cover the increase in all of the items like taxes and insurance that the bank pays monthly? XXXX responded to me by saying the same thing over again and again and failed to connect the increase in the escrow amount with the additional increase in the monthly payment of {$21.00}. It appears to me that the bank has decided to add an additional amount of {$21.00} each month for 12 months for a total of {$250.00} which is in addition to the escrow increase of {$280.00}. 
So I am receiving an actual increase of ( {$280.00} plus {$250.00} which equals {$530.00} ) annually. What is happening here? It looks like the bank has figured out a way to charge all of its customers with an additional charge in additional to the escrow increase. This is an unfair and deceptive practice and XXXX XXXX, the M & T supervisor I spoke to could not explain to me why the monthly amount of the mortgage was increasing after I paid the escrow shortage of {$280.00}. Please contact the M & T Bank and ask them to explain why they are engaging in such unfair and deceptive practices. 

Thanks for your help, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up for a Bank of America Checking Account in order to receive a bonus upon completion of qualifying activities. I opened the account entirely online. The bank charges a monthly service fee. Upon receiving the bonus I tried to close the account online and discovered that there was no way of closing the account online and that I would have to call Bank of America during their business hours and wait on hold in order to close the account. I believe that Bank of America 's failure to provide an option to close the account online is in violation of California Senate Bill No. 313, which states in section 2c that " a consumer who accepts an automatic renewal or continuous service offer online shall be allowed to terminate the automatic renewal or continuous service exclusively online '' California Senate Bill 313 : https : XXXX   XXXX Bank of America 's instructions for account closure : https : //www.bankofamerica.com/deposits/account-information-and-access-faqs/
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Riverwalk Financial Corporation (SC)

I have disputed this invalid information with the three major credit bureaus. I disputed the unverified information and XXXX  and XXXX deleted the information. However, XXXX  is stating that the issue is valid, after a second attempt to resolve this matter in XXXX of 2019. This information is affecting my credit report and score. I even sent proof of the investigation from XXXX   and XXXX to XXXX.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (KY)

Well over a year ago I cancelled service with XXXX XXXX. I had a XXXX balance turned in all of my equipment and was told that I was paid in full and account was closed. Shortly after I started to receive letters for outstanding balance of equipment charges, so I called explained the situation and was told everything was taking care of. This continued to happen. They eventually turned me into a collection agency called diversified consultants who has since then hurt my credit. Diversified consultant agency was extremely rude, and employee 's at XXXX XXXX could not speak English very easy to see who XXXX up here. I would like it to be removed from my credit report. I am not the first to have this happen from XXXX XXXX, apparently this occurs quite often.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc. (WA)

Either in XX/XX/XXXX or XX/XX/2015 I went to the emergency room at XXXX Hospital because of XXXX XXXX I was treated awfully they accused me of being a XXXX XXXX they took a XXXX and then I had a social worker come in to try to sign me up for XXXX XXXX a state health insurance they were unsuccessful and made a comment that XXXX XXXX   don't need insurance anyway about point I gather my belongings and left the hospital I was never discharged not that I have any procedures done during that visit I don't feel like I should be responsible for this bill considering the fact that I didn't receive any services and was completely disrespected and humiliated and it was the most awful experience ever
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

I closed my credit card with Comenity Bank ( XXXX XXXX XXXX ) in XXXX and paid the balance off in full. I overpaid b {$110.00} and was issued a refund check from the company for the overpayment. 

However, on XX/XX/XXXX the company charged me {$40.00} in finance charges on the closed, fully-satisfied, XXXX-balance account. Then on XX/XX/XXXX, Comenity  Bank charged me {$4.00} in " minimum finance charges '', again on a closed, fully-satisfied, XXXX-balance account. 

I made a payment of {$44.00} for XXXX and XXXX finance charges on XX/XX/2019 to avoid further charges and / or late fees while trying to settle this issue. I paid this before the due date and, again, this was on an account that had been closed, paid off, and even a refund check issued for overpayment, over two months prior. 

I just received another bill for {$4.00} " minimum finance charges '' that were charged to my closed, fully-satisfied, XXXX-balance account onXX/XX/2019. 

Apparently, Comenity Bank intends to post fraudulent finance charges to my account indefinitely. I need for them to issue a refund for the {$44.00} that has already been paid, cancel the new charges and never charge this closed, fully-satisfied, XXXX-balance account ever again. The account has been closed for three months. Nothing is owed. Nothing has been owed except for the {$110.00} that they owed me for paying TOO MUCH on my account balance and now the {$44.00} that they owe me for payment for finance charges that should have never been assessed.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX  XXXX XXXX and XXXX XXXX are reporting debts I do not owe. I have not been to the doctor 's since the 1990 's, these debts are not mine. Furthermore XXXX XXXX XXXX is past the statute. The account # 's are XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX. I do not owe these debts and they are not mine.
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was issued a garnishment summons at old address ( XXXX XXXX XXXX XXXX, VA XXXX ) in XX/XX/XXXX. Garnishment hearing had occurred and garnishment was in place before i found summons. This was for collection of credit card debt with Capital One Bank.

The debt was six plus years old at time of garnishment with the last payment having been made in approximately XX/XX/XXXX. I have recently learned statute of limitations for open debt in state of Virginia is three years. This is a Virginia based company, as is the creditor 's attorney, and the process serving ageny employed by the creditor. All should have clear knowledge on statute of limitations within the state.

This garnishment is taking greater than 27 percent of my net pay, resulting in late payments and inability to pay my current debts, and has also forced me to take out a high interest rate personal loan to try and keep myself afloat. 

To date I have had over {$2500.00} withheld from my wages.
Consumer complaint received 2019-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

I received a notice from XXXX on XX/XX/XXXX indicating that I have an account in collections. When I checked my XXXX report, I saw an account in collection from Transworld System Inc/94 in the amount of {$230.00}. It says the recent balance was as of XX/XX/XXXX, and it said that it was opened in XX/XX/XXXX. The accouont number is XXXX. I never received a notice of this debt and was not given my right as a consumer to dispute this debt. It has now tarnished my credit. I want this removed from my credit report and I want a notice sent to me so that I can review the debt.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (AL)

Money was sent to a Joint Navy Federal savings account in error by the United States Department of Veterans Affairs educational finance Department. By the time tracers came back and verified that my name was on the account that my money was sent to in error to this joint account the money was gone and could not be recovered in the amounts of {$93.00}, {$140.00}, {$180.00}. The Va submitted a ACH reclamation letter to the Navy Federal Credit Union ACH department and did not get a response as fas as information requested to recover the funds if they were not available from any other accounts from persons named on the joint account, or information for names on the account so that the va could send correspondence to the other individual on the account to repay the debt. I am now forced to act on civil litigation with the other individual on the account and do not know if there was any violation of my own privacy before and during all of this done by the other individual. I would like the federal credit union to comply with the Department of Veterans Affairs in retrieving the money in the amounts above and to have the bank contact the individual as requested by the VA to retrieve the information requested and help the Department of Veterans Affairs finish in recovery of the money deposited in error thank you.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Experian requires documentation to be mailed to them to unfreeze my credit report because I can not find the original code number I was given several years ago. They claim they will unfreeze the report within 3 days after receiving documents ( that could be 5 or 6 days ). Why can't they accept a scan of the documents by email to speed up the process? That seems safer than mailing which can easily be stolen. Many financial companies use a series of questions that only the consumer would be able to answer to verify identity. Experian seems to operate with rules that are convenient for them, not for the consumer, and not as fraud proof as they think. 
I am relying on CFPB to force them to upgrade to smarter, safer, more consumer friendly rules.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Whom it may concern, The checking account # XXXX I used to have with Bank of America or perhaps another checking account opened under my name without my authorization and it was reported as a delinquency account with a transaction of {$500000.00} in cash from a fraud group located in Georgia back in the years XXXX. I was never notified of this fraud transaction which is being reported in my personal background in agencies. In addition, I went to a local branch and they can't find the checking account in the system, the account is older than 7 years and it is not showing any information. 

I am in the process of a clearance and the investigators mentioned this transaction during the interview. 

I have submitted the checking account number and a previous address where i used to live when the account was active.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OR)

In XXXX  I financed a gaming computer through XXXX XXXX XXXX. When I received the computer it was not working correctly. After several hours worth of phone calls and trouble shooting with the device I told the tech support team that I didnt want the device and I wanted to send it back. They told they would not accept it and would send a technician out to repair it. That never happened. I called XXXX back and asked why the technician did not show up but they did not provide a reason why and scheduled another service appointment. It still did not happen, I called and expressed my grievances and told them I did not want the computer and I was still under warranty but did not want the computer due to how many problems it had. They told me they would not accept it back and refused to repair the computer. I still have the computer and it still does not work, it wont even power on. Now XXXX hoping to get rid of this debt since XXXX did not stand up to their side of the contract by providing me with a working device that still does not work and refused to take it back or repair it. This thing still does not work and I would greatly appreciate it if this was removed from my credit report and the debt wiped as I have tried to return the device 4 times and was refused.
Consumer complaint received 2024-09-04
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. (DE)

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 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

After Hurricane Irma, I was not able to make payments on my mortgage loan. Ocwen Loans said that it's ok that they would work with customers that has been devastated by the Hurricane, and XXXX XXXX XXXX region where I reside was hit hard. When I called the XXXX XXXX of Ocwen loan servicing, the forbearance plan which was put in affect in the amount of XXXX plus first payment stated it was due on XX/XX/2018. I spoke with a representative and she stated that the payment was due XX/XX/XXXX or XX/XX/2018. I advised her / the XXXX XXXX when I called in and formed me to make a payment on XX/XX/XXXX for the forbearance amount and that's my purpose of calling in that day. The representative did indicate that they have had several clients to call in and state that the XXXX XXXX  was providing this information. She also stated that she was fully aware of the situation and even though I missed paying that XX/XX/XXXX or XX/XX/XXXX that I would need to pay the {$910.00} then she stated know your mortgage went up {$6.00} and change so you need to ask me pay {$910.00} + at this time. I asked the representative several times that I need to pay the {$1400.00} Plus which was the forbearance amount and she reassured me that the only thing that I needed to pay was {$910.00} and change nothing more. The agent had gone on and stated that she will be reaching out to me within 30 days because, she was going to reinstate my forbearance agreement due to the negligence on the XXXX XXXX / OCWEN at that time. I again asked should I go ahead and pay her the XXXX and change the forbearance agreement and she stated NO that the {$910.00} and change was quite sufficient. The agent called me in about 27 to 28 days just to provide me with an update on the reinstatement and she stated that she was still working on getting that done. Two weeks later the agent called me back and apologize for the inconvenience and told me that it was nothing that she could do she understood that it was not my fault it was based on the XXXX XXXX in addition to that she apologized for giving me the missing information stating that she would get the plan reinstated. I've made several calls and advised them to listen to the recordings, even though they listened to the recordings they still fail to take ownership to their negligence and correct the situation. I've tried to get a another repayment plan which they have for. {$1900.00} and they still failed to send me an agreement to sign to confirm anything. It's just been negligence after negligence and now they're asking for me to pay {$13000.00} and XXXX cent by XX/XX/XXXX which is impossible. Or a minimum of {$12000.00} which is still impossible.
Consumer complaint received 2019-05-29
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. (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JTM Capital Management, LLC (OH)

Yes. JTM Capital Management in New York purchases old debts, including credit card debts, payday loan debts, etc. They never send letters verifying the own the debt. They use horrible debt collection agencies who call you and pretend they are going to serve you papers and try to scam you out of money you don't have by threats. JTM Capital Management is a horrible company who outsources to debt collection agencies who have illegal practices trying to get money. They need to be watched. They use XXXX XXXX XXXX in New York and XXXX XXXX XXXX in Florida-both who consistently use illegal practices to collect debts. They call and pretend they will serve you papers and never do and never send any documentation. Horrible, horrible, horrible.
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

I was sued in small claims court by Midland Funding LLC., XX/XX/2019. 

I had reciepts that showed that XXXX XXXX XXXX balance transfer paid off XXXX Bank {$4700.00} XXXX XXXX XXXX, in the summons, swears in an affidavit by XXXX XXXX, full-time employee of Midland Cedit Management, that i owe XXXX The matter was not resolved, but continues back in small claims court XX/XX/2019. 
I agreed to send XXXX XXXX Firm copies of my reciepts.