davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc. (CA)

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency State Recovery System which is on XXXX XXXX XXXXXX/XX/XXXX, CA XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The comapny has also violated these laws. - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Modlin Slinsky, P.A. (FL)

I had a credit card with XXXX XXXX that the minimum had gotten too high. I was unemployed and couldn't pay it. I tried to get XXXX to work with me on a payment plan, but they wouldn't and eventually charged it off. This was a couple of months before the CARES act and the {$600.00} federal UI assistance. Now multiple firms have been harassing me over this debt. This firm called XXXX XXXX has started now. I even received something in the mail stating that there may be some type of judgement against me. I am once again unemployed. I haven't had income since XXXX and have been living off of savings and investments the past few months. This is predatory behavior, and I want the phone calls and letters stopped. I did make an effort to try to pay this debt before it was charged off, but the original creditor was unreasonable. Now they have purchased the debt and intend to make a profit off of me while I am unemployed ... during a pandemic.
Consumer complaint received 2021-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

I have been trying to take my mortgage off of the COVID assistance program since XXXX for a XX/XX/XXXX payment. I have been given the run around for the past month and half! I request for a manager to me back in XXXX after the us bank mortgage rep could not tell me the details of my higher mortgage payment went up by {$200.00} and he said quote I dont know at that point I told him to put whole thing on hold and request a manager to call my wife or I back! Im still waiting for that call! 
We have called back and received different responses from different people! Im tired of being a ping pong! This is not right! 

Im doing a partial claim not a loan mod! 

They say payment is XX/XX/2021 but I have not received one document about this! I dont even know the payment! 

My PITI payment is {$1800.00} normally, why did the payment go up? They cant answer that!! 

How many times do I have to request a department manager to call me because we have been told I dont know why this amount is what it is! 
Also no spoc person either! I keep getting different people. 

How is this? This is a complete violation of TILA and RESPA This is not rocket science as I have over 15 years in the mortgage industry including over 5 years in loan serving the past 5 years! 

Everything should be moved to the back of the loan or a partial claim done! Once the partial claim is completed then US bank gets all the money back! I refuse to double pay, like they are doing! 

Not right or fair to the consumer and will be sending a complaint to FHA as well!
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bonneville Billing and Collections (ID)

Bonneville Collection - XXXX & XXXX & XXXX - are reporting on my credit file in error. I would like to see proof or signed verification. I have disputed them a couple times now with no response back.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MEGASTAR FINANCIAL CORP (MN)

So we have been dealing with this difficult lender Megastar Financial. they also have difficult reps. I called today and spoke to these reps XXXX id number : XXXX XXXX id number : XXXX. These reps refused to discuss the account and got hang up twice and put us on hold forever and even transferred me to XXXX  speaking representative just to get away. That is so rude and very unhelpful.
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX a collection account was added to my credit report for {$620.00} and another was added on XX/XX/XXXX for {$450.00}. I have sent 3 rounds of validation request letters to Transunion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as a written complaint on XX/XX/XXXX that both collection agencies had not provided me with proper proof of validation of the debts despite 2 written requests. Transunion responded to my letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each response letter consisted of a current copy of my credit report stating that these debts had been verified and validated. Transunion has yet to provide any proof of these claims. I never received a copy of an original contract with my signature on it and they haven't given any information as to who the spoke with during the investigations to validate that this debt belongs to me. Transunion is in violation of section 609 of the Fair Credit Reporting Act.
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

On XX/XX/2020, I was driving for XXXX and while at RedLight I accepted an order on my phone. I was pulled over and was given Violation 23123.5 ( a ) DRIVING WHILE OPERATING A HANDHELD WIRELESS TELEPHONE OR ELECTRONIC WIRELESS COMMUNICATIONS DEVICE which I obtained an attorney and contested NOLO CONTENDERE. I just clicked on screen to accept order.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I made a payment through my credit union bill pay to Bank of America home equity line of credit in the amount of {$600.00} that was never credited to my account even though the check was cashed by Bank of America. I have contacted them online, on the phone, and In Person multiple times since XXXX. 
I have sent copies of the canceled check and statements and still have not resolved this.
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (CA)

My credit score dropped 21 points in one day XX/XX/2021 even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. This happened because my professional association was promoting a private student loan refinance company known as XXXX XXXX, owned by XXXX XXXX, and included a link to calculate an estimate of the interest rate one may obtain with XXXX XXXX should they refinance with them. This was promoted as a finance tool however when I used it, it resulted in a report to the credit bureaus of a hard inquiry as if I had applied for an actual loan.The purpose of the promotional email was to encourage members of my professional association to research if they could first possibly qualify for a better interest rate, BEFORE, submitting a formal loan application.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I opened up a checking account with fifth third bank and was being promised {$600.00} account opening promotion bonus. 

The promotion bonus was divided into 2 parts : - {$250.00} for funding the account with direct deposit {$350.00} - Increase the balance in the account by {$14000.00} " within 45 days '' and maintain {$14000.00} for 90 days The complaint is that I met the condition of adding funds within 45 days but still 53 is not honoring the 2nd part of the bonus which is {$350.00}. 
The reason that they have told that the promo code fell off the account in between when I lowered my balance less than {$14000.00} for couple of days. 

But, having said that, I still have 45 days to recouped to the bonus requirement within 45 days which I eventually did. 

The 53rd bank has violated terms and conditions wherein they gave me time period of 45 days to meet the criteria. When I have met the criteria within 45 days, it shouldn't matter as how many times the balance fell below {$14000.00} or not. 

The bank is performing malpractices to avoid giving promotion bonus. 


Here are the account details - Account name - XXXX XXXX Account # XXXX XXXX branch location where account was opened - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # of the branch - ( XXXX ) XXXX Best Regards, XXXX XXXX Cell : XXXX
Consumer complaint received 2021-03-23
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. (UT)

XXXX, Experian and XXXX, FHA Resource Center, RE : XXXX. 
CFPB XXXX .this is just one of the complaints. 

Every morning when I wake up, I have to fear of getting call 's and mail getting robot call 's were i had to change my phone number. were i missing a call about my brother because of the amount of robot call 's from the 3 party collection 's calling over 100 time when my brother died. and when you talk to a live person they don't care if your a victims they tell you to pay and then the will remove it, I cant sleep most nights without nightmares I so desperately want my life back. The life I had before the data breech that caused this night mar. XXXX, Experian and XXXX  still lets this happened, we had to file complaints FHA, CFPB is an independent federal agency built to protect consumers and nothing happening. collection 's dept. have taken money out my account 's were i had to change my account number. was XXXX and i have to pay a huge amount of depts.. exceeding over XXXX just to rent a place, i missed out of buying a home because of the fraud and the lack of reporting with my old home loan with XXXX XXXX. right, THIS HAS ALSO AFFECTED MY WIFE XXXX XXXX " " "
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX I traded my existing XXXX KIA lease in for the purchase of a new XXXX KIA XXXX. Trade in negotiated by the Dealership, XXXX XXXX in XXXX CA. Deal accepted and I signed new loan docs showing the trade in and residual amt added to new loan. Signed a full Release of Liability same date and told to not make the following payment as they were sending the full payoff to Kia Finance. 
XXXX rec 'd a call from XXXX XXXX ( assoc with Kia ) that was a collection call on the XXXX KIA I traded in. ( 21 days later ) Explained I released the car XXXX and gave above details. Asked to make the past due payment to bring account current, then contact the dealer? Asked if KIA would not contact their dealer and answer was no. Asked for management. Called following day and again connected with a collector. I was told no payoff rec 'd contact the dealer. I went in to the dealership and spoke to their finance dept. They told me their check # XXXX was sent and cleared their bank XXXX for {$14.00}, XXXX. Now XXXX and I continue to get collection activity and the two are not talking to each other to resolve this matter. Only option I am being given is to pay for the car I no longer have by KIA. 5 coll calls, to discussions with reported KIA XXXX and discussions with XXXX XXXX has done nothing. KIA now shows I am 21 days late and the {$400.00} payment is up to {$810.00}. I am at my wits end and the " threat '' is the late payment will be reported to the credit firms. XXXX XXXX XXXX and I have NEVER had a negative credit report. Matter of fact two dealerships told me I had great credit. This will destroy that if the derog, to no fault of my own, is reported. Please help. I am stuck in the middle here. I will not pay for a car I do not have and have a Release of Liability form for.
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, XXXX is reporting information that I have asked to have verified multiple times. The Debt collector is reporting different dates and payment activity to the different bureaus.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IN)

My XXXX account was hacked and I submitted a dispute for the charges with both XXXX and my banking institution. According to my bank and XXXX, the dispute was resolved and funds were returned to me. Now I'm receiving a letter from American Coradius International LLC stating I owe the same money that was returned to me. XXXX shows that my account was in good standing and was closed after the resolution of the dispute. I don't want this reported to my credit if XXXX says it's resolved on their end.
Consumer complaint received 2021-03-23
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. (GA)

I have not received any confirmation on how you have verified the alleged account attached in Exhibit D through H and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ***
Consumer complaint received 2021-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (IL)

PNC creates barriers against small borrowers and crafts non IRS interpretations as part of its program to prefer large borrowers. It had no specialized access during the Biden expansion. Requires small borrowers to use expensive processes and accounts. Limits access when it claims it is seeking information by closing its portal.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (PA)

My wife received an unsolicited Cash App XXXX debit card through US mail. The card was issued by XXXX XXXX, headquartered in XXXX, Ohio. Neither Cash Ap, owned by Square , Inc. nor XXXX XXXX  provide human call-in customer service. Called XXXX and was told it was necessary to have name, address, date of birth and SSN to open account. Became very suspicious and filed incident report with local police. XXXX stated they could not close account, only XXXX XXXX  could close account. Eventually spoke to two representatives from XXXX XXXX. First stated that my wife 's identity had probably been compromised. The second person told me the bank had no responsibility for issuing the account, but the account had been closed. Also, spoke to representative from Cash App, but he would not refer me to their legal department unless I provided my e-mail. I refused. Based on recommendations from local police and booklet they provided on Identity Theft I filed reports with the FTC, FDIC and now, your agency. Also, spent an entire day placing a credit freeze on credit reports and fraud alerts on all accounts ( deposit and investment ). Advised XXXX XXXX representatives and Cash App that I was filing various complaints with governmental agencies and believed they had violated KYC.
Consumer complaint received 2021-03-24
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: GOLDMAN SACHS BANK USA (FL)

I have had my Apple Card for quite some time and was actually one of the founding members. Well, when COVID hit hard and I lost my job, I was actually 32 days late on a payment so I was hit with a late payment on my credit report which is a super negative thing to have on your report. I tried explaining to them that this was COVID-19 related and that I lost my job and had it pretty rough for an extended period of time AND the fact that I used their forbearance program for several months because my income was not sufficient enough to make the payments, but they do not seem to care about this and are unwilling to work with me in getting this late payment removed off my report as a one time courtesy. I had made initial contact right after noticing the late payment and a dispute was filed however it came back that the " information was accurate ''. I was never disputing this, so this was frustrating so upon talking again, this time to a supervisor, I had another claim filed and about one whole month later that was also rejected because the " information was accurate '' - It never actually goes anywhere. Since then I have mailed one goodwill letter that I never heard back from and today, sent another one via certified mail. So, I am reaching out in hopes that you guys can help me with this as I believe what is 'fair ' is that they remove the late payment just this once as I have assured them it will never ever happen again. I am embarrassed and a late payment is something I never ever wanted on my report. 

Thank you for listening and taking the time to help everyone. 
-XXXX XXXX
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

ERC collection agency claims I owe XXXX XXXX XXXX money. I do not have an account with XXXX XXXX XXXX of any kind. Never had! The amount claimed is {$1100.00}. Received the letter from them on XXXX. I have called ERC and explained that I had NO account with XXXX XXXX XXXX and it seems like it is FRAUD even how they wanted to make payments to XXXX XXXX or XXXX market. This is a strange? This sounds like crooks to me!