davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
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. (NY)

I am CEO of my own company, XXXX XXXX, a small consultation firm. The defendant, Midland Credit Management Inc., stole my identity and committed acts of grand larceny. According to my credit report, Midland Credit Management Incorporated tried to extort {$550.00}. They have repeatedly harassed and menaced my place of business in order to extort money from my business and commit new acts of grand larceny.
Consumer complaint received 2016-08-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Mangement reports inaccurate and non-sustainable information after formally requesting by certified mail pursuant to the FTC XXXX XXXX XXXX. XXXX ( a ), to provide any legal instrument bearing my signature which supports the continued reporting of this alleged debt. The company has reported inaccurate and non-substantiated amounts from {$6.00} to XXXX credit reporting agency to as high as {$610.00} to another. Upon speaking with the Company 3 weeks prior I was advised that this company no longer has this account and it was sent to XXXX XXXX XXXX. This company continues to report to XXXX and XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Midlan D Funding. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company (UT)

I 've contacted Guild mortgage multiple times to address bringing my past due mortgage current. I contacted them on XXXX XXXX two times and had a question regarding unapplied funds and partial payments. In speaking with both agents, when asked about this issue they seemed to be uneducated. When I asked why I would not be able to make partial payments, or use the money which is in my suspense account to make a full payment, I received basic answers like this is just a policy. The second agent I spoke with continued to talk over me, rather than listening to my actual question. I was unable to get any answers as to why I can not make a partial payment to make up a full payment using the money which is in unapplied funds. I wanted to know if this is an FHA loan guideline, or a company policy. Neither agent could sufficiently answer this question. It seems to me that if I have money in unapplied funds, and I have enough to make a full payment using MY MONEY, that is sitting in unapplied funds for that exact reason, I should be able to do that. Neither agent could calmly answer my question, and both became confrontational without listening to me. If this is an FHA guideline, I 'd like to be advised of that. If this is a company guideline, I would have asked to speak with a supervisor who would be able to override this nonsense rule. 

Also, I was on hold for more than 20 minutes before being able to speak with an agent. I understand it is the last day of the month and a lot of people are getting payments in, so I understood that, but feel it is worth mentioning considering I used to work for a loan servicing company and whenever our Average Hold Time ( AHT ) was over 2 minutes there was panic in the office to get on the phones, and opportunities to work overtime. We do n't want people waiting that long!!
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Choice Recovery, Inc. (NE)

On XXXX XXXX, 2016 I had contacted Professional Choice Recovery and asked to pay my collections debt off in full. At that time I was given the balance. I then gave permission to withdraw the entire balance from my checking account. Since I called on a Friday afternoon, PCR stated they would pull it the next business day. I then confirmed that no other payments would be required and my account would in fact be paid in full. PCR confirmed. On XXXX XXXX, 2016, I had two amounts withdrawn from my account. I was then under the impression my account was in fact paid in full. 

On XXXX XXXX, 2016, I received a call from PCR stating there had been a clerical error and that I still owed another {$230.00} and asked how I would like to pay that. They stated that they ran the payment for {$230.00} less than what they should have and I needed to pay on behalf of their error even though it was confirmed by PCR that my account was paid in full after my XXXX final payment.
Consumer complaint received 2024-08-10
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. (NJ)

On XX/XX/year>, an unknown person used my identity that stole to open up a credit card with XXXX XXXX, a XXXX XXXX XXXX XXXX. That same day, around XXXX XXXX, that individual used that credit card to make multiple round trip airline purchases between the XXXX XXXX XXXXXXXX airports and XXXX XXXX with XXXX using my identity on back-to-back-to-back days. I did not authorize these purchases, nor would I be able to make these trips. The person also bought trip insurance. An hour later that person cancelled all three flight purchases and pocketed the money from the transactions. I separately called and cancelled the trip insurance. I have attempted since XX/XX/year> to report this credit card as a fraudulent account opened using my stolen identity. XXXX doesnt believe this was identity theft because the information used to open the credit card account matched my personal information. But that is exactly how identity theft works. The person steals your information, copies your persona, and then acts as you online making purchases you would never authorize, seeking quick refunds. and pocketing the money to pursue fraud elsewhere. I need XXXX XXXX  to resolve this because this is hurting my XXXXredit score, and Im not paying back XXXX  of dollars in purchases I never made.
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

I entered into a settlement agreement with Citibank on a Sears account ending in XXXX that allowed me to pay them {$4200.00} as payment in full. I was not able to get the loan completed by their payment due date, so I called and asked for an extension and was told that it was fine and I asked if needed another settlement letter and Citibank said no. So the loan went through with my credit union and sent them Certified check marked loan payoff. I thought it was all over until I started receiving calls from XXXX and I told them i paid the account with Citibank, but still went ahead and filed a collection lawsuit against me for the account I settled with Citibank.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MA)

Caliber Home Loans entered into short sale negotiations in XX/XX/XXXX ( all the while sending a foreclosure notice for XX/XX/XXXX sale date : 60 days ). We provided documentation as the home sold and entered into a Purchase Agreement on XX/XX/2016. The Realtor, XXXX XXXX uploaded necessary docs requested via the servicer 's portal. XXXX on XX/XX/2016. She experienced issues with the uploads and called Caliber. They notified us on XX/XX/XXXX that they needed this done by Monday XX/XX/XXXX or the " 37 day rule '' would bar them from proceeding and they would go to foreclosure sale and cease short sale processing. I subsequently XXXX the same documents to them. They refuse to deal with us. I called their legal counsel with no return call 10 days ago. This property is in imminent danger of a foreclosure due to their portal issues.
Consumer complaint received 2015-12-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WI)

I was affected by the XXXX XXXX crash and I have a lot of student debt the funny thing is when I signed up to go to school there I was told I would receive my XXXX That never happened, they told me I did not need one as I had tha ability to benefit. Needless to say I have a lot of private loan debt, the federal loans are being discharged but upon me leaving the college they had me sign paperwork for a private loan telling me it was a grant. It was not until later I found out I signed for a private loan at an extraordinary interest rate. The school when I left dispersed the private loan to a government subsidies loan leaving a large amount of debt that has caused financial hardship since. I have had to file numerous bankruptcys so that the collections would not eat my paycheck. As the payments were set by the bankruptcy court. I never had knowledge of what I did until it was to late.
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America solicited me via their website for opening of a checking account. The solicitation included an offer of {$300.00} for the opening of a new checking when there are XXXX direct deposits of {$2000.00} apiece. Their terms included a mention that deposits should come from an employer or an outside agency. I had XXXX deposits of greater than {$2000.00} within the XXXX month of opening the account, and yet, no reward deposit. I waited for processing times, and then began to look into the issue, at which point I was informed by customer service, including a supervisor, that my deposits were not 'qualifying ' and that I would therefore not be receiving the new account promotion. I informed them that I had a copy of the original terms, and they were unwilling to resolve the issue by crediting my account with this promotion. I was told that the promotion was entered on XXXX ( which is a week after the account was opened ). XXXX of the qualifying deposits was received on XXXX, and I think the holdup on the processing is due to the delay on Bank of America 's part in properly coding my account. I received conflicting information from a supervisor, who attempted to then tell me that the promotion was processing, but failed to provide me with concrete resoution to the conflicting information and did not provide a timeline for when I could expect to see the credit. I feel this is textbook 'bait n switch ' advertising, and that their institution hoped I would go away or did not have my ducks in a row. I have attached a copy of the original promotion as well as activity statement showing the deposits.
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received a mortgage with First Franklin Financial in XX/XX/XXXX. When the mortgage crisis hit its climax, my loan was in default and I was in foreclosure. By the end of XX/XX/XXXX I was going through a modification approval process with First Franklin Financial and during this process my loan was transferred or sold to Bank of America. I did not know my loan was being served by Bank of America until one day I receive a large envelope informing me to forward all paperwork for modification to them. I contacted their toll free number and informed the representative that I had all ready submitted all paperwork to First Franklin Financial. The representative told me that files were being uploaded electronically and it would take awhile, so it was, therefore, in my best interest to resubmit all paperwork. I did never heard anything from Bank of America. Instead, I received paperwork informing me from another company XXXX XXXX XXXX that Bank of America no longer owned my loan, but they now owned it. I never made any payments to Bank of America. All XXXX of my credit reports re showing different amounts of information. The reports are showing that the last payment I made to Bank of America was in XX/XX/XXXX. I have never made any payments to Bank of America. I have sent several letters and initiated various disputes with the credit bureaus disputing the account. Every single dispute has Bank of America responding that the information is correct as it is on the credit reports. I have sent letters to the company myself requesting for written documentation/verification, but I have not received anything. This account is over XXXX years old and meets the qualifications to have it removed from my credit reports.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (NM)

Southwest Credit Systems, L.P. issued XXXX separate collections accounts for the same {$190.00} dollar debt from XXXX, and both these accounts, despite representing the same collection, appear on my credit report. This money was not owed originally, as I have the receipt to prove I sent in my modem etc. I was not contacted to dispute the debt and show my proof of not owing the money. I contacted Southwest Credit Systems directly via certified postal mail to ask for verification of debt and to clear up the XXXX accounts that they have listed on my report. It has been 30 days and I have not received this information from them nor has the duplicate collection been removed from XXXX or XXXX.
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had a savings and checking account with Huntington Bank for the last 6 years. I was victimized by a scam artistic who got my email address from previous professional shops I had completed. Nevertheless, they wrote me a fraudulent check which I had no idea it was a bad check. I immediately contacted my local authorities since my checking account had been compromised. Huntington closed my account after the fraudulent check was deposited. I am the one who had been victimized. I was informed that I could no longer have an account with Huntington after I am the one who reported the bad check. Thus reporting the scam artistic to the authorities showing the various emails to my local police. The police file number is XXXX. I am requesting that a new checking account be able to be opened. Since I still have a savings account with Huntington. 

Thank you for reviewing this complaint.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (VA)

I have received a collection letter from Southwest Credit for a XXXX cable bill.I called XXXX cable and they stated that they do not have any record of me owing any money from any account with them.They have never heard of this company.
Consumer complaint received 2015-08-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I created a loan XX/XX/XXXX initially with XXXX which was later purchased by The Huntington National Bank. 

The problem began in the course of a divorce settlement and I was dismissed from responsibility from the loan. I received the loan marked paid and also received a cover letter acknowledging the loan being paid in full, the letter was dated XX/XX/XXXX signed by XXXX XXXXXXXX XXXX. 

Since then collection efforts have been made and the debt is still shown as outstanding on the three major credit bureaus. 

I have the original note marked paid and the letters acknowledging the obligation being paid in full. 

XXXX
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Regional Management Corporation (SC)

RFC XXXX is reporting on my credit profile that I allegedly owe {$2800.00}. They also have Credit Recovery Associates trying to collect the debt on their behalf and the alleged amount they are trying to collect is {$110.00}. The XXXX companies are reporting on my credit profile for the same alleged debt. I contacted XXXX and the only information that they provided me is that a live check was sent to an address that I did n't live at the time. No one actually came into an office to take out a loan with them. I requested a contract agreement from this company but they did n't have anything with my signature on it however they continue to report on my credit profile and ruin my credit reputation. Is it legal for this company to report something twice on my report that does n't even belong to me?
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivables Performance Management, LLC (CA)

According to the FDCPA, I contacted the collection agency Receivables Performance Management ( RPM ) and asked it to verify an alleged debt. RPM did not verify the debt. Nevertheless, RPM continued calling me several times a day and as of today is reporting an unverified debt to XXXX, XXXX and XXXX in flagrant violation of the law. 

I attaching copy of my letter to the collection agency, asking it to validate the alleged debt and the receipt showing that I sent the letter via certified mail with signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency or the original creditor.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (FL)

I applied for a home mortgage recently to find out a fraud Credit Inquiry from TD BANK USA/TARGET C on XXXX/XXXX/2016,. this pul effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, Would like Inquiry removed ASAP
Consumer complaint received 2015-05-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (DC)

TD Bank has been charging me illegitimate maintenance fees on my account ( the _sum_ of balances on my accounts must be & gt ; $ XXXX to avoid a charge ; they fail to consider the sum of my accounts, and charge me a fee because one of my accounts has a balance & lt ; $ XXXX ). Each time I complain, they agree that the fee should have not been charged. Then they reverse the charge and file paperwork to correctly pair the accounts when assessing fees, and assure me that the fee wo n't be charged on the next billing cycle. But it does appear on the next cycle. For more than a year now I have had to go to my local branch, complain on the phone, or complain via email to get the problem solved. It is becoming tedious. Clearly the CSRs I am dealing with are unable to resolve the issue, so I am appealing to the CFPB for assistance reaching a more appropriate contact.