davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

COMMERCIAL AFFIDAVIT OF TRUTH XX/XX/2017 1 ) Bank of America can not varify or show validity of alleged debt 2 ) Bank of America can not show a valid current contract with me including my wet blue ink signature 3 ) Bank of America failed to respond to my complaint with a VALID response 4 ) Bank of America failed to show tangible evidence that there is a current contract 5 ) Bank of America rules and regulations do not apply to me, I never knowingly or willingly signed a contract with them for life. 
6 ) Bank of America is willfully and with intention violating my rights and comitting crimes along with felony violations of the USC, United States Code & gt ; federal law, 7 ) Bank of America has admitted to closing the account on their response to me, but still persists in criminal activity, 7 years has passed. 
8 ) Bank of America has violated florida statute 817.568 and is using my personal and private information without my consent which is a second degree felony 9 ) Bank of America has violated title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. using fictitious names which is another felony and owes me XXXX dollars, for that violation I have shown the evidence crystal clear!!! 
10 ) Bank of America is a felony criminal with a major criminal history of mortgage fraud among other frauds, its all over google!!! these are proven miscreants!!! 
11 ) Bank of America can not prove anything, they are liars and deceivers, they refuse to answer my questions and talk like bill clinton with XXXX avoiding the subject, and not giving any valid answer with clarity 12 ) Bank of America threatened me with extortion by stating they may use XXXX to make a bad report on me, this is a violation of my privacy also giving out my personal and private information without my consent, from XXXX, florida state ZIP EXEMPT XXXX VERIFICATION The undersigned Affiant hereby certify, under penalty of perjury, under the laws of the United States of America, and pursuant to 28 USC 1746 ( 1 ), that the above COMMERCIAL AFFIDAVIT OF TRUTH is true and correct, to the best of their knowledge, current information, and belief, so help me XXXX. \ Florida state , XXXX On the XX/XX/2017, XXXX, before me proved to me on the basis of satisfactory evidence to be the man whose name is subscribed to the within instrument passport & certificate of live birth, and acknowledged to me that He executed the same in His authorized capacity, and that by His signature on this instrument is the man, WITNESSED by my hand and official seal. 

By typing my name electronicly this is my signature for this affidavit, and I will be sending in a hard copy notarized, respondent to respondent must respond within 14 days signed ; XXXX
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Cash Rewards Visa offers and advertises purchase protection as one of their card benefits. This benefit offers purchase protection for recently purchased items that are lost, stolen or damaged. I filed a claim with XXXX for a recently purchased damaged item. I provided all requested documentation. I subsequently provided additional documentation. The claim was denied because the incident was NOT an " act of XXXX. '' The printed brochure I received with the credit card lists " acts of XXXX '' as reasons to deny a claim. This is clearly an example of Bank of America offering a benefit they have no intention of providing.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I was a defendant in a landlord tenant claim which I was found to owe money, the " order granting judgment dated XX/XX/2017 is for {$5400.00} ( which includes damages of {$5100.00}, costs {$110.00}, and attorneys fees {$150.00} ). I borrowed money from my 401k to pay this, and they sent a letter back that as of today XX/XX/2017 I owe XXXX due to interest being charged. This is a lot of interest for 2 months.
Consumer complaint received 2017-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Riverwalk Financial Corporation (FL)

I saw a debt collection on my credit report for the amount of {$2700.00} from  Deville Asset Management.  I called the company and was told it was a   XXXX     XXXX   XXXX  Credit Card. I told them I have never had a  XXXX   XXXX   XXXX  Credit Card. They said that it was me and it would negatively affect my credit report until I paid.  XXXX  said I could pay {$2500.00} right then, but that was the last time she could offer that. I said I ca n't do that, and would n't or debt I did not make. They called my place of work and my cell phone, were disrespectful, and threatening. I called back later with my father, and they again said the same thing. We called  XXXX   XXXX   XXXX , and they could not find my social linked to any account, closed or not. I called back Deville, They gave me an account number, and said  XXXX   XXXX   XXXX  could n't find it because they had. So we called back  XXXX   XXXX   XXXX , and gave them the account number. They said that account does not belong to   XXXX   XXXX    XXXX , we have no record of it or you in our system. and we can look back 10 years. We would be able to see if it was in collections. We then called back with   XXXX     XXXX   XXXX  on the line, when the  XXXX   XXXX   XXXX   XXXX  said that this call with be monitored and recorded, Deville said that the account had been flagged, and the debt collection was being stopped. This is a scam company, and they were trying to steal close to {$3000.00} from me. They should be in jail.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

I submitted a dispute with Equifax on or around XX/XX/2017. Multiple items were deleted, however several items came back as verified. I contacted Equifax on XX/XX/2017 and asked how the items were verified. I was advised by a customer service rep ( XXXX ) as well as a supervisor ( XXXX : ID # XXXX ) that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me. I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). The supervisor, XXXX, advised that I would receive a document via mail that explains their general verification process however she would/could not address the concerns regarding the verification of the accounts on my profile.
Consumer complaint received 2017-04-10
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC. (IL)

A company that is not a part of my federal student loan report is trying to collect a debt that is not owed to them. This company is a private company not a student loan collection agency. Also this company is a 6th or 7th party.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Monterey Financial Services LLC (IN)

A company calling themselves XXXX that works with a larger company called XXXX XXXX misrepresented the terms of a loan consolidation agreement they were offering. I was only told of an additional fee for their services they would charge but was never informed of an additional loan being taken out under my name nor a new account and password through the FSA. 

They illegally created an FSA account and opened a loan through XXXX without any prior consent from myself. FSA immediately informed me that I should be concerned because it is illegal for someone to create an FSA account under another person 's name. When XXXX first contacted me I immediately expressed my concerns about moving forward and he told me to look his company up and that his company was called The Obama Student Loan Forgiveness Program and that they were associated with XXXX. According to the FSA that is a common name used to scam individuals. 

After hearing this information I contacted the Department of Education as well as XXXX who both confirmed that it was in fact illegal to create an FSA account and loan without my knowledge and direct consent. When I reached out to XXXX they told me it was very common for scam companies to use their name and once again confirmed it was not legal for a company to create an FSA account/loan using my name without direct consent. 
I contacted both the XXXX XXXX XXXX XXXX and XXXX with complaints and requested to have it terminated but was denied.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

Santander Consumer USA Inc. presented me with a " Limited Time Settlement Offer '' in which they clearly stated that if I were to pay 30 % of the principal balance due it would " settle your account in full. '' I had entered into a potential Class Action suit against SCUSA and when presented with this offer to " settle in full '' my account I paid the amount well before deadline and removed myself from the Class. The letter clearly implied that my account would be settled in full for paying the amount stated ( {$460.00} ) by XX/XX/2014. I paid the amount of {$460.00} on XX/XX/2014 with the understanding that my account would be shown as paid in full ( per SCUSA offer dated XX/XX/2014. I discovered that SCUSA was reporting my status as Collection/Charge Off and remarks showing that the account was settled less than full balance. This was not what they presented in their offer. I feel that SCUSA used deceptive tactics to get me to settle my account and did not fulfill their part of the offer they presented to me and that I accepted. Despite numerous attempts to get this corrected with the Credit Reporting Agencies, it has never been resolved to report as paid in full as offered.
Consumer complaint received 2024-08-23
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. (PA)

XXXX XXXX have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 


According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution should share my information with a third party.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me from when they receive dispute information.

These are clear violations of my federally protected consumer rights.

They violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Diversified Consultants, Inc. (DC)

I went to my bank to refinance my car. When my credit was pulled I had a collection account on my credit. When they showed me the credit report it was from a company I was unaware of. When I contacted the collection agency they told me the bill was for an old XXXX bill and they was collecting for them. I also asked them how they reported this information to my credit report when I never received anything in the mail. They informed me of an address I never lived at. When my credit report clearly has my correct address. So they never gave me a chance to respond to the debt. I acknowledge I had an old XXXX bill but was unaware of the amount. I agreed to pay half because at this time I felt like a had no choice with it being on my credit report. They took the bill down to 50 % off and they told me I would receive an email of the debt being paid. They also told me they would dispute taken the collection off my credit report. However, since I have spoke with them a week ago. I have not receive any email of my payment and no removable off my credit report. I am not sure if this was a legitimate bill and just a scare tactics for me to pay the bill. I need help with this issue because I thought with the Fair Credit Reporting Act they have to try to contact me via mail before its put on my credit report. Also once I paid the bill I should have received an itemized bill. But when I spoke with them about this bill they did not care or about the laws. Please help me with this issue.
Consumer complaint received 2017-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

The account in dispute appear on my credit report several time under different collector company names Initiate an investigation with credit reporting Bureau. investigation was not conducted as requested. Document proof of that indeed account belong to me.   The collection agency fail to respond to verification of account after summiting a letter that my identity theft report and letter send to collector agency company address that is reported on credit file
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Consultants of California (CA)

A collection agency has attempted to seek payment under a medical billing without proving they have a right to collect the debt. They were sent three letters beginning in XX/XX/2017 mandating they verify the debt and show proof of the contract to collect from the original debt holder and provide a copy of my signed authorization for the creditor use a third party collection agency. To date, they have NOT a copy of a contract or proof of my signature to a third party authorization. They were also informed the CA statute of limitations for the debt has expired and I will need proof they or the original creditor protected or extended the statute by filing a lawsuit and receiving a judgement in their favor. More than 60 days have passed without a response in writing or by providing the documentation requested. 

COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX
Consumer complaint received 2017-04-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I RECEIVED A CALL FROM MY RECEPTIONIST. UPON ANSWERING THE CALL, THE CALLER IDENTIFIED THEMSELVES AS PORTFOLIO RECOVERY AND THAT THEY WERE ATTEMPTING TO COLLECT A DEBT REGARDING A XXXX XXXX ACCOUNT. I INSTRUCTED THE CALLER THAT THEY WOULD HAVE TO CONTACT ME WHEN I AM NOT AT WORK.
Consumer complaint received 2023-06-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Payday America Inc. (MN)

I do not officially get paid until every other Friday, but due to the type of bank account I have, my bank will deposit my paycheck around mid-day Wednesdays. Payday America is trying to withdraw from my account as early as XXXX XXXX  on Wednesday, and this is causing my account to overdraft due to my paycheck not even being deposited until several hours later, so now my account is overdrafted {$390.00} due to this. They did this on XX/XX/23 and overdrafted my bank account, 2 days later my bank denied to ACH and reversed the charge. Payday America completely skipped my last payday and without any warning debited my account again this morning, causing me to overdraft AGAIN. I have more bills then them and how am i suppose to pay my more important bills now that half of my paycheck has been taken before I can even get access to it myself, and with no heads up that they planned to attempt again. I have no money to even eat after the rest of my paycheck is used on my utilities and rent and will now be getting charged very expensive overdraft fees from my bank.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi, my servicer NATIONSTAR MORTGAGE, LLC which now has changed their name to Mr. Cooper is violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE, LLC / Mr. Cooper and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for XX/XX/. I have paid Nationstar Mortgage but im afraid that now that Mr. Cooper is the new name of the company they will say wait you paid Nationstar mortgage NOT Mr.. Cooper sorry we cant do anything. After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on XX/XX/XXXX. I agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on XX/XX/XXXX and was delivered on XX/XX/XXXX which they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on XX/XX/XXXX and was delivered on XX/XX/XXXX which they accepted and everything was ok as well. But after making those two payments I received letter in the mail saying that my Loan Modification was denied due to not making the Trial Period Payments. How can this be that after making two payments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for XX/XX/XXXX .They are clearly in violation of the California Homeowners Bill of Rights and other laws as well. Mr. Cooper / Nationstar Mortgage is saying that there is a sale date and the sale is scheduled for XX/XX/XXXX.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (FL)

I am writing to follow up on my previous disputes regarding a collection account that remains on my credit report. I have disputed this account multiple times, and it is extremely disappointing that this collection has not been removed despite being both invalid and inaccurate.
Consumer complaint received 2023-07-28
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. (MS)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX