davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller, Stark, Klein and Associates (MA)

I received a call at work in regards to a debt from XXXX years ago. I have no knowledge of this debt and asked for validation. They stated they would email me validation which I did not accept, I wanted something via paper mail. They stated they did not have to mail me anything. I stated I did not want them calling my place of employment in which I was told that they did not have to honor that request but according to the Fair Debt Collection Practices Act ( FDCPA ) they should. I gave them my correct address and phone number so I could have any correspondence they have sent be received by me since there has been nothing to date. I spoke to a XXXX, who left me the first voicemail on XX/XX/2016 but he denied it was him on the voicemail, he stated he was a supervisor and did not make outbound calls but the voice on the message was his ( I have it saved for my records XXXX. I also spoke to a XXXX and both individuals gave me different total balances owed. So with that being said I told them I would dispute this since this was not my debt. I was told my balance owed would then triple if disputed it and I would receive paperwork " soon '' and would have to make an appearance before the end of the month or early XXXX XXXX XXXX XXXX stated that he was going to have XXXX XXXX '' speak to me to set up my court date via phone ( which is unheard of ) so I waited to speak to XXXX XXXX '' and no one has called to set said date up. XXXX gave me other information stating I would receive a letter either to my job or home address. So at this point I am waiting for these documents and any proof to dispute a debt that is n't mine. They were trying to use scare tactics to coerce me into agreeing to a settlement and saying that I would be taken to court under " fraud and theft '' because I told them I wanted to dispute this illegitimate debt. I have NEVER in my life heard of the practices this company tried to impose on me and am going to await the documents that should be forthcoming in regards to this erroneous allegation.
Consumer complaint received 2015-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect (LA)

XXXX XXXX XXXX XXXX sent a bill that was not supposed to go to collections to Americollect. I informed Americollect via FAX, email, and paper mail that 1 ) I am disputing the fact that the bill had gone to collections with XXXX XXXX XXXX XXXX, 2 ) I wanted debt validation, and 3 ) I wanted them to cease any attempts to collect this debt. Americollect failed to respond to any of these requests. Furthermore, XXXX of their agents attempted to collect a debt by contacting me at my personal cell phone number at XXXX. I filed a complaint with XXXX and XXXX about this issue and Americollect sent the attached letter as a response. Yesterday, I received another debt collection letter from the company.
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (CA)

In XX/XX/XXXX, I performed a balance transfer to Discover Card with a creditscore of approximately XXXX. XXXX months later Discover has issuedan 18.99 % interest rate. My credit score is now XXXX. I have XXXX creditcards, of which XXXX I cancelled ; A gold card XXXX with a balance of {$470.00} with unlimited purchase, a XXXX card with a balance of {$780.00}. 
I have another active and initial purchase range to {$17000.00}. 
Amex/Costco card with purchasing up to {$14000.00}, a balance of XXXX. 
After I inquired about the high interest rate, Discover sent me anemail on XX/XX/XXXX stating it had increased my credit limit an additional {$3100.00} ; and in an initial conversation stated it would lower my futurepurchases to 16 % +. I declined! In the initial offering for a balancetransfer, it stated the interest would be XXXX to XXXX. One might expect with nearvery good to excellent credit, the lower rate would apply, and anythingwithin theupper limits might apply to anyone with alower/riskier score. After numerous conversations to ascertain whymy interest rate was so high and having a present credit score of XXXX, what was the rationale that warranted the high interest juxtapose to the10.99 %. Discover sent me another email with thesereasons ; % of balances is to credit limits is too high on revolvingaccounts ; Too many accounts with balances ; Proportion of loan balances toloan amounts is too high.Yet, Discover is willing to increase my credit limit an additional {$3100.00}. Obviously my credit score and Discover 's desire to lend me morecontradicts these assertions. After you have read this, if you need. I have the email sentadditional information is needed, please contact me. I have the emailfrom Discover regarding the credit card limit increase, etc. 
XXXX XXXX
Consumer complaint received 2016-09-13
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I went to ace in XXXX, Texas and received a payday loan of around XXXX to XXXX dollars. I lost my job before it was time to pay back the loan and talked with a few reps about resolving the issue. They said someone from management would give me a call to walk me thru the next steps and step up a payment plan. I was never contacted and when i called a month later an employee placed me on hold and never returned to the phone several times. Now over a year later the are calling my grandmother and anyone they believe to be kin yelling, threatening legal action against them if i do n't pay before they ever contacted me. Once I finally got in contact with someone they said the are filing criminal charges for check fraud, and once I told them I XXXX have n't worked since last year the lady stated good luck with the judge and the courts.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Urgent!!! Urgent!! 
It is with great fraustration and hysteria that I am asking that you review my file. My house just sold and my attorney was never notify of the sale day. I have recently submitted a loan modification package up dating all my information, for I was not aware of this sale. My attorney 's office after filing documentation was notify that this file had been transfer to four different attorneys. The First attorney was XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX law firm .Please I am now requesting you reach out to Rushmore loan servicer who apparently did not inform me of the sale day. We have no place to go. I had requested a loan modification due to circumstance beyond my control. I lost my job and so did my wife. Shortly after she suffered XXXX due to the treat of eviction. We want our home. I am attaching my financial for review. 
We finally were able to get our finances in place and provided such to XXXX loan servicing.. We have made significant cut back to our budget ; eliminating many services to our home to be able to survive this set back. We now receive my pension and my wife social security income. 
Kindly confirm receipt of this request.
Consumer complaint received 2016-05-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

I went to XXXX XXXX on XXXX XXXX and traded in my XXXX Nissan Sentra for a XXXX Nissan Rogue. I informed the sales associate and finance department that my payment was due that day and I did not want to be late, incur any fees or risk being taken to collections. I have always paid my account on time and more than the minimum payment. My XXXX Nissan Sentra was financed through their own financing, NMAC. They recommended me to call NMAC and let them know that I had traded my car in and that the pay-off should be coming shortly. I did as instructed and left that day with my XXXX Rogue. I had to come back to the finance department of XXXX XXXX on XXXX XXXX to re-sign the loan documents since I had financed through NMAC again. That same day I brought it to the attention of the finance associate that my car was still not paid off and going on seven days late. They informed me the payment was going to be sent out that day since I was signing the new loan documents that day. Multiple calls/texts had been exchanged prior to the vehicle going 30 days late. However, no one would take ownership and/or follow up with me. Fast forward to XXXX XXXX, not only did I receive a notice that NMAC ran my credit through XXXX XXXX, incurring an additional and un-necessary credit inquiry, but I received XXXX notices stating that XXXX XXXX had in fact failed to payoff my vehicle within thirty days of my original payment date, resulting with my credit score dropping over XXXX XXXX points. I sent an e-mail to XXXX XXXX, the GM of XXXX XXXX, on XXXX XXXX to inform him of my experience. In the e-mail I had requested that he take the necessary steps to address this experience and correct my delinquency on all XXXX of my credit reports. This has taken me well over a year to have finally removed the delinquency and to try and repair my credit score. I never heard back from XXXX XXXX and my credit was never fixed so I moved forward. I filed a claim with the XXXX. The response from XXXX XXXX was that it was my responsibility to follow up with the dealership to ensure the payoff was sent. After sending back a detailed verbatim response, XXXX XXXX had no further comment or feedback. Either XXXX XXXX or the XXXX closed the case and listed my complaint as answered but unresolved/unsatisfactory.
Consumer complaint received 2023-10-30
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX BANKRUPTCY ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?
Consumer complaint received 2017-02-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION (AR)

I sent BBVA Compass Bank Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our car loan, to receive our car title. The legal tender was sent over night express mail, and received by BBVA on XX/XX/XXXX, and signed for by XXXX XXXX. XXXX has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, and I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why BBVA is exempt from Legislation. XXXX did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then their is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, according to the Banking dictionary 4th addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the Black 's Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt!
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with XXXX and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I'am writing to request correction of the error described below in regard to the mortgage on my property at XXXX NY XXXX. My servicer was changed without my knowledge, I never received information regarding the change. My payments with my previous servicer was auth drafted monthly from my bank account never any late or delinquencies. I noticed my payment had not come out of my account and I contacted my previous servicer XXXX who informed me my loan was transferred to another servicer and I should wait to receive documentation in the mail. 2 weeks pasted and still no documentation. I again reached out to XXXX end of XXXX to inform them of this and was assured I would not be penalized in way because it takes up to 60 days of the change and I was given the contact number for loan care who I contacted and was told I would receive a package in the mail not to worry they did not have a loan number on file for me because the transfer was still in effect. I finally am able to make payment for XXXX and at that time I set up auto draft from my account. Effective XX/XX/2016 I receive notice the my credit score has dropped more than 80 points and its being reported to the agencies that I am 30 days past due on my mortgage, which I have never been delinquent in any of my credit accounts ever. I made every effort to arrange my payments accordingly and should not be held responsible for the lack of organization and professionalism from the loan servicers to make the needed transfer. My livelihood depends on my credit according to CFPB website consumers are not to penalized for such change when I made my payments on time all to be deducted electronically. I also reached out to my new servicer who was not in any way shape or form helpful with this issue. Your assistance in this matter is greatly appreciated. 
Please note that this is not a complete list of all possible errors, such as errors regarding your servicer 's failure to provide accurate information. 

Thank You, XXXX, XXXX
Consumer complaint received 2023-08-30
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 XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (PA)

On XX/XX/XXXX, Loancare, LLC disbursed {$840.00} to my homeowners insurance group, XXXX. On XX/XX/XXXX, I notified Loancare that they had over-paid the XXXX, as the premium had dropped by {$160.00}. I asked that they perform an escrow reanalysis to ensure that I am not continuing to over-pay into escrow. I followed-up in XX/XX/XXXX via telephone to ask if the reanalysis was performed, and they stated that I needed to fax a copy of the new premium, which I faxed over the next morning. I called again at the beginning of XX/XX/XXXX to understand where we were with my request. They stated that although they had received the document and the new premium was updated on their side, the " Insurance department '' had not given them the OK to make adjustments. They stated they would need another two weeks. At the end of XX/XX/XXXX I called again, this time pointing-out that the County taxes had also gone down by {$83.00}, and that adjustments had not been done on their side. They stated that they were still reviewing, and that their Insurance department was still holding-up my homeowners renewal. Again, they needed another two weeks. I contacted their office at the beginning of XX/XX/XXXX and demanded to speak with a supervisor, as they had done nothing to rectify the situation. The Customer Service Representative advised that her supervisor was in Florida, and that she had passed the message along. I advised that I needed a call regarding this matter no later than XX/XX/XXXX or I would file a complaint with both the CFPB and the Pennsylvania Attorney General 's Office. I advised that I should be called directly on my mobile phone, but no one has called to date. I have also checked the account as of XX/XX/XXXX, and adjustments to the payments have not been made. I am over-paying {$240.00} per year or a total of {$20.00} per month as a result.
Consumer complaint received 2015-04-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (LA)

I have made calls after calls and can not find anyone to help me. I had a mortgage with US bank and in 2010 my house was foreclosed on. US bank was supposed to be helping me refinance my home. I do not know who to contact for the US Bank Independent Foreclosure payment. I was told I would have another check coming and I have not. I just would like to know how much the check is and when I will receive it No one seams to know how to help me. Can anyone look me up by my SSN and find out any kind of information for the payment?. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MD)

I overpaid my escrow account throughout XX/XX/XXXX, when I bought my house. USBank noted this in XXXX XXXX and sent me a check, which I never received. On XXXX XXXX, XXXX I received a notice that my refund check of {$680.00} still was not cashed, and to cash it if I could. I called US Bank and told them I never received the initial check. They told me they had to charge me {$15.00} re-issue fee in order to re-issue the check I never received. They charged me even after I told them that I refused to pay the fee and took it out of the refund amount.
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP (CO)

I applied for a secured credit card in XXXX of last year. I paid XXXX to get it. They declined the credit card based on a bankruptcy over a year old and on debts due to child support. I have outstanding debts for child support due to the fact that I was pregnant and could not find a job and XXXX county expected me to pay. I am going back to court on it and I have faithfully paid the child support even though I did not see my children for a year. The debt was being paid and the bankruptcy was a year old. They should not have denied me credit when it was a secured card. The only reason for the bankruptcy was my ex-husband ruining my credit by causing a prohus-perty I had for 16 years to go into foreclosure by not paying for it or putting it in his name like the court ordered. Because of this I was unable to refinance my house, given me in court and I lost it, too. I had perfect credit not seven years ago I paid an extra month 's payment on my mortgage and now I am being discriminated against. My ex husband is on probation for threatening to kill me while I have a restraining order against him. These credit problems were not my doing. I thought you could not discriminate in the State of Colorado due to domestic violence. I received the XXXX back, but I want this removed from my credit and I want a secured loan because I am responsible and have sacrificed to make sure that child support is paid. 
It will be removed anyway because XXXX of my children have left their father to live with me. They are tired of the unjust court system and tired of being beaten. 
Please help me.
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP ()

Thank you, first, for the opportunity of submitting this complaint. I have received a letter dated XXXX XXXX, 2016 from US Bank ( a bank I have maintained an account with for over twenty years together with my spouse ) telling me that the bank has elected to close my account. This came as a shock to me and after contacting the bank, I was informed that the reason for the intended closure was because the bank can no longer accommodate customers who XXXX United States. I did not accept such justification but did not tell that to the bank. I am a United States citizen who maintained such accounts in a normal manner without conducting any transactions that violates any rules, terms and conditions, or laws. I do have the right to have an account at my home country, to which I will eventually return, especially knowing that the accounts I have with US Bank were there for over twenty years. There are no costs whatsoever on the part of the bank to maintain my accounts as all my statements are sent to me electronically ( online ). I do challenge the bank, professionally and with all due respect, to point out an instance where any of my accounts were used in violations of their terms and/or conditions. 
My desired resolution is to keep my accounts open with US Bank. 

Thank you again for this opportunity.