davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that both the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (AL)

I became an authorized user WITHOUT MY APPROVAL on my mother 's American Express credit card. 
The account is now closed however the bad credit still appears on my credit history. 
I called American Express and they seem to have dropped it from my credit history. 
The XXXX credit reporting companies I 'm referring to are : XXXX and XXXX. 
XXXX seems to have gotten the memo -- they erased my credit history on the card. 
HOWEVER, XXXX HAS NOT. They still seem to think that I owned the account. 
Please contact American Express as well as XXXX AND TELL THEM THAT THIS IS NOT MY ACCOUNT AND I WANT THE CREDIT HISTORY COMPLETELY ERASED. 
Note : I just applied for a XXXX XXXX XXXX credit-card, and got approved. TELL THEM TO LEAVE THAT ONE ALONE BUT CANCEL THE AMERICAN EXPRESS CARD.
Consumer complaint received 2015-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter.
Consumer complaint received 2015-06-27
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (OH)

This card was originally loaded with XXXX. I must have misplaced it and forgotten about it. I recently located it and checked the balance. It is now XXXX. The card expired XX/XX/XXXX. I called and was told they will not reissue a card and I now am unable to collect the XXXX. That is wrong. I understand about the XXXX monthly rip off fee. I should be able to collect the remaining XXXX
Consumer complaint received 2015-11-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MI)

I, XXXX XXXX am submitting another complaint as a result of this company 's non-response to my original complaint. They claimed that they were not authorized to communicate with my son who assisted me in submitting the complaint, even though I provided authorization in my original complaint and submitted the complaint directly. I have also provided another authorization via Midland 's web site per their instruction so there should be no need for another non-response. As indicated in my dispute of their non-response to my original complaint, I feel this is just another unfair collection tactic. I also requested that Midland immediately cease any further communication regarding debts allegedly owed by me in my original CFPB complaint submitted in XXXX of this year, however I continue to receive threatening letters in spite of my request to cease all communication. This is harassment and a violation of the FDCPA. I am a senior citizen and in poor health and this is taking its toll on me. It 's unfortunate that Midland can get away with completely ignoring my complaint and requests. This debt collector is clearly predatory and takes advantage of unknowing victims. I am asking one last time for a dignified response and for Midland to take action to close and disassociate any accounts tied to my name or social security number.
Consumer complaint received 2015-07-02
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I traded my XX/XX/XXXX KIA OPTIMA LEASE for a new XX/XX/XXXX HYBRID OPTIMAon XX/XX/XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.
Consumer complaint received 2015-06-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

I have been receiving an inordinate amount of collection calls which I believe to be unnecessary and harassment. Though I have never been more than XXXX weeks late on any payment ( most on time or within XXXX week ), have never been a payment behind and always call the company to let them know I am aware of the situation and on the day I pay either through mail or by phone, I begin to receive calls XXXX days after the due date and I receive them several times per day, at all hours. Though I specifically requested not to call on Sunday they do so and at XXXX XXXX XXXX! I understand the need for collection services and I understand a Borrower 's responsibility to pay, but all this must be done within reason. If I were three months behind or always late or never in communication I would understand. In my present situation and over the past months, both the frequency and timing of the collection calls is inordinate and abusive. Especially on a Sunday XXXX at XXXX.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (IL)

Hello my name is XXXX XXXX account XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (MA)

In XXXX 2016, it came to my attention via my credit monitoring with all XXXX credit reporting bureaus ; XXXX, XXXX and XXXX that ( XXXX ) credit cards had been opened and utilized in my name with American Express. I notified American Express both via the phone and by filing a complaint with the CFPB regarding these accounts. On XXXX XXXX, 2016 I received a response from American Express REF # : ( XXXX ) concerning my case. In the letter American Express acknowledged that XXXX of the XXXX accounts was in fact deemed fraudulently opened where as the other XXXX were still under investigation. It also stated that it could take up to 60 days for their investigation to be completed. 

This past Thursday. XXXX XXXX, I was notified a total of ( 3 ) times by their now collection company representing one of the accounts that I originally disputed ending in :XXXX, the Amex Everyday card by their third party collection company ( XXXX ). They confirmed that the account they represented was the Amex everyday card ending in the aforementioned account number, that was all they would verify, and that they amount that was owed was {$2900.00}. I explained to multiple people during one of those phone calls that the debt was not mine and that I had already filed a complaint with the CFPB concerning this. Needless to say, they did n't care and proceeded to warn me of my consequences if I were to not rectify this debt by paying them. 

I am now filing another complaint to the attention of Amex concerning the remaining ( XXXX ) accounts that I have yet to receive a response on. Nevertheless, apparently AmEx has taken the liberty to assign and subsequently sell this debt to their collection company. First and foremost, I have never in my entire life had any accounts with this bank nor any of their co-branded affiliates. Again, I am disputing this account along with any other accounts that my be considered still open, sold or presently under investigation accordingly. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.
Consumer complaint received 2016-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Ceannate (CA)

Obama 's XXXX student loan forgiveness is a farce! A scam that our Government is not doing anything about. My doctor and I sent in the required documents and applied for the student loan debt forgiveness program for the XXXX. 
I received a letter of " Approval '' stating that I was approved for the XXXX program and that after a 3 year waiting period the debt would be paid off if I did not hear from them further. 
After the 3 year waiting period had passed I assumed that the debt was indeed paid, because the letter that I received stated that If during that 3 year waiting period I was disqualified for any reason I would be notified, and that " If I did not hear anything from them at all by the end of that 3 year waiting period, then I would not need to do anything further, the debt would have been paid off '' Now I have found that not only was the student loan not paid off, even though I was approved, but they have conveniently lost all of my paperwork. Wait ... let me rephrase that ... They lost any and all proof that my student loan was paid off, but they DID NOT lose the paper work showing that I still owe the student loan. Again ... how convenient! 
I have been informed that up until 2013 all of the paperwork was kept by ... NOW GET THIS ... the carrier of the loan. 
How stupid is our government officials to let the very loan company that we owe the money to, keep the only proof that the loan was paid off?!! again I say " How convenient! '' These are the people running our country? God help us! Giving the loan carrier the task of keeping all of the paperwork proving that the loan was paid off is like giving bank robbers the keys to the safe! 
I think that the 3 year waiting period was a part of the scam as well! Why? Why would they want us to wait 3 years? I think perhaps that the XXXX dollars allocated by President Obama for the student loan forgiveness program was probably put in a bank to draw interest those 3 years and counting. If this is true, where is the money made in interest? who 's pockets are lined with that money? Even more important, whose pocket is my {$10000.00} in? I was approved for the program, the 3 years waiting period has passed and in fact it has been about 5 years and I am still paying the debt! Somebody pocketed the money that was supposed to pay off my student loan, ... OR it was paid off, but the loan company is double dipping and forcing me to pay it again! This is why I hate ALL POLITICIANS! They are all crooked and dishonest!
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-04-21
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (TX)

The lender we used to close on our home mislead us in the closing process. They continuously gave us the runaround and the final numbers on the closing disclosure were significantly different from what the lender told us in the beginning. The lender overlooked several items causing multiple delays in the closing process. We did not see the final closing disclosure until we walked into the title company. I would not recommend Coldwell Banker Mortgage to any of my friends and family. This was the most stressful financial transaction I have ever made.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (CA)

Credit report shows zero balance for PHH Mortgage Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by PHH that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX XX/XX/2010. Thank you.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian, and XXXX continue to report inaccurate information which is damaging consumer report. The account listed XXXX XXXX Account # : XXXX XXXX XXXX is listed multiple times with several inaccuracies. 

XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I deposited a retirement check from XXXX XXXX XXXX XXXX ( XXXX ). It was a corporate check and should have cleared immediately. Instead, after I made the deposit, Bank of America informed me they would release some the next day, 1/3 in two days and the rest on the following Monday. They gave me a receipt to this effect. 

Instead they are holding all funds until next Tuesday and didn't release any of it. This is unconscionable.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : DEPT OF EDUCATIONXXXX - XXXX - There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX  By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2016-05-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

We have mortgage with Ditech Financial LLC.We got transferred from XXXX XXXX to Green Tree Servicing LLC on XXXX XXXX. On XXXX XXXX Green Tree Servicing LLC become Ditech Financial LLC. We did n't have any problem with this company until they offered to us Ditech Automatic Payment Agreement in XXXX, 2015. This agreement suppouse to start on XXXX XXXX. Before we sign this agreement we make sure that customer service representative understood that we ca n't have monthly recurring electronic debits from our checking account on Due Date ( on the XXXX of each month ), because my husband got his XXXX pension electronic deposit on the XXXX of each month. Customer service representative assure us that in this agreement we have second " alternative '' Debit Date for each month. And indeed we put alternative date of XXXX each month in assigned line in agreement. 
On XXXX 2015 electronic system triggered mortgage payment right on XXXX day of the moth and we did not have sufficient funds in the our checking account! After that our bank charge us XXXX fines : {$35.00} Bank Overdraft Charge, and {$9.00} ODP Primary ( CR ) Fee.Altogether : {$44.00}. 
We are low income senior citizens and every cent is important to us. We contacted this mortgage company many times, write letter with explanations and ask to pay {$44.00} back to us, because it was clearly their mistake or a lie! They send letter of refusal. That was our first unresolved dispute. 
XXXX is even more disturbing. 
All year of 2015 we had no cushion on our escrow account. We only paying yearly home insurance premiums on our escrow account, because we are low income seniors and XXXX XXXX give us real estate tax exemption every year for many years. We never had any problem with adjusting our escrow account for that before. Not with this company! First they put full amount of taxes on our escrow in addition to our home insurance amount, and then, after many attempts to contact by phone calls, faxes, and finally mail, they re-calculated our escrow account with significant cushion! It was explain to them over and over again, that we are low income, we never late for monthly payments and we ca n't afford pay XXXX more per month until XXXX 2015! We already pay {$200.00} more for XXXX 2015, because this company working very slow and in the process extracting as more money as they can! And they calculated cushion not from my real amount on my escrow account ( it is only my home insurance payment, not taxes ), but from inflated amount of taxes plus home insurance premium. What happen with only XXXX of escrow amount?! This behavior need to be stop!
Consumer complaint received 2015-10-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I am being reported as 30 days past due by Ally Financial for XXXX incorrect months to all three of the major credit bureaus. I was told by Ally Financial that I fell behind 30 days past due for the month of XXXX but it is currently being reported for the month of XXXX and XXXX. I have been contacting them since XXXX in regards to the mistake and they have failed to fix this as it still shows the incorrect months. I disputed the information with them again on XXXX XXXX and it is now XXXX XXXX, 2015 and they just keep telling me they are working on it. According to the ( Fair Credit Reporting Act ) a company has 30 days to respond to a dispute and they have still failed to do so. I was never 30 days past due as my account was refinanced with them and all months were rolled over to the new contract. They are taking their time to correct the error and has not did anything to fix the issue and only makes excuses to buy more time.