davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK (VA)

I have a mortgage with Astoria and they are taking out XXXX taxes XXXX/year in addition to XXXX, XXXX taxes taken out. When I inquired as to why I was paying XXXX taxes although I live in XXXX, XXXX I was told they would look into it. I received a letter that they had rectified the situation but with no supporting information. I do not know how log I have been paying this erroneous tax as I can only access back to 2013 my records. I would like to know what this is, how long it 's been going on, and get any reimbursement that is due me.
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARS National Services, Inc. (NJ)

My family is harassed by calls at all hours of the day ( including on weekends ) from ARS National Services, a debt collector, asking for an individual named XXXX XXXX. This person has never lived in my household. I have asked ARS multiple times for my number to be removed from this list yet I continue to get calls. This has been going on for months. I have asked them multiple times for the creditor they represent but they have refused to do so and have hung up on me.
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Century Finance, Inc. (NC)

XXXX the manger at century finance did not communicate that he was in an attempt to collect a debt several times. As well as XXXX his employee contacted me at work with out the Mini Miranda script. I was unaware they were attempting to collect a debit. Century finance inc, in North Carolina would also call me more than 10 times a week after I told them I have had a hardship and I will contact them asap. They also called my job XXXX so they had to call several places to find me. I also stated not to contact me at work.
Consumer complaint received 2016-09-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (IA)

I recieved this parental loan in 1995, I had borrowed over {$9000.00} and have repaid {$13000.00} I still have an outstanding balance of {$14000.00}
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (FL)

My husband opened a credit card account in my name. I recently found out about this account, filed a police report, met with the Navy Federal Credit Union representative along with a policeman from the Sherriff 's office of XXXX XXXX and my sister in law and my victim advocate. Navy Federal represenattive took the fraud claim information and responded that they found no fraudulent activity as well as a letter that due to the fact we are married, they do not consider it fraudulent. There is no proof I ever applied for this account nor that I ever had use of this account. The balance is a year past due and exceeds {$24000.00}.
Consumer complaint received 2024-09-30
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. (CT)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-30
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)

I did not give any permission, or consent to share, disclose, or furnish any information pertaining to m, to a 3rd party company like a credit reporting agency. According to 15 USC 1681 ,1692, and 6801, I have a right to privacy. My private non public personal information, should not be shared with anon affiliated 3rd party company without my consent. These creditor shared my non public personal information without my consent which by law constitutes as aggravated identity theft. I did not give any written nor verbal instruction, or any consent to share or disclose my information. Pursuant15 USC 6802 finical institutions are not obligated to disclose my non public personal information to a 3rd party company such as CPA 's unless they provide me with a notice that complies with sec 6803 of this law. I have never received any notice from any of these companies, and they also have violated my privacy by not protection my non public personal information.
Consumer complaint received 2016-09-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: MSW Capital, LLC (MD)

Recently I was notified via the XXXX XXXX XXXX XXXX that MSW Capital LLC and XXXX XXXX Bank are attempting to collect a debt for a credit card account that was opened fraudulently. I went to court to file a motion to vacate a judgement in the plaintiffs favor since the documents that were supposedly served to me never happened. In fact the court stated that the service of notification was " problematic ''. In an effort to prepare for a future court date, I have attempted to contact MSW Capital and XXXX XXXX ban in order to garner necessary documentation on how this account was opened. I spoke to XXXX XXXX XXXX Bank representatives who apparently are located overseas and have proved to be of little assistance to getting all documents related to this case. I simply want information on how the account was initially opened and all supporting documents related to the account in question. The judge has continued the case in an effort to allow me to refute ownership. In speaking with the representatives at XXXX XXXX Bank, the account was opened online and there is not a signature card or agreement that supports their claim that I opened the account. It is my belief that a family member who was down and out on their luck utilized information they stole from my office in my home to open an account. I did not provide my information to anyone or make it available to anyone. Therefore I question the validity of the debt collection and the efforts of MSW Capital and XXXX XXXX bank, respectively, on the opening of the account and the credit collection efforts for an account that was fraudulently opened in my name.
Consumer complaint received 2019-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Commonwealth Financial Systems, Inc. (IL)

XX/XX/2018 I paid my collection XXXX. I did contact the collector and they sent me a letter showing that they reported it being satisfied.
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I have an issue with the State of Ohio unemployment for overpayment of benefits back from 2008. I 'll requested proper paperwork to explain what I owe and why but have never received anything in mail verifying statement of what 's owed. I sent a letter to collection agency 30 days again and still did not receive anything stating what and why I owe. I followed the Federal Trade Commission guidelines and also sent a copy to FTC. I would like to know what my next step is from here? Because they put a levy on my bank account and I have not had access to bank account now for over a month or so. Looking for any soluiton to this problem to help me resolve my issue.
Consumer complaint received 2016-01-07
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

XXXX hired Financial Asset Management Systems to collect on a debt. Financial Asset Management Systems ( FAMS ) ran my credit report at least twice in 2015. Once on XXXX XXXX, 2015, and another time on XXXX XXXX, 2015. I never gave permission to FAMS to run my credit report nor did they have a permissible purpose to run the credit report XXXX within a 6 month period. FAMS is flagrantly violating thr Fair Debt Collections Practices Act with their deceptive debt collection tactics. FAMS ' only purpose of running my credit report twice within a 6 month period was to harass and annoy in flagrant violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2016-04-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation (CA)

Global Credit and Collection Corporation continues to call my cell number XXXX to discuss a debt I owe. They have also reached out to my ex husband to discuss my debt, which is a clear violation of my rights. When I ask them to send a letter to validate amount and debt I owe and to stop talking to third parties about any of my debt, I receive a letter from XXXX XXXX, stating they can not locate my account. How is that possible they can not locate the account with my cell phone number XXXX, last XXXX digits of my social security number : XXXX, my address : XXXX XXXX XXXX XXXX, CA XXXX, etc. Is this company not keeping accurate records of who they are contacting? I called XXXX XXXX with the letter they provided me. This person does n't exist at : XXXX or XXXX. So, this leads me to believe they are scamming and breaking the law.
Consumer complaint received 2015-08-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I opened a Macy 's card on XX/XX/XXXX. I just checked my credit report and see that it was closed due to inactivity on XX/XX/XXXX. I was never notified that it was going to be closed. Since it was XXXX of my older accounts, now that it is closed, it has effected the average age of my credit history, which is negatively impacted my credit score. I would like for the account to be reinstated so that my history of good payments can be reflected on my credit report.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have a problem with my mortgage modification from Bank of America that I wanted you to be aware of, and to see if there was anything that you could do to help. Simply, Bank of America significantly changed the terms from what I was offered and accepted for the trial modification to what they offered as the actual modification : Trial Modification Offered & Accepted XXXX XXXX XXXX, 2015 XXXX : Interest Rate 2.750 % Months to Pay Off Loan XXXX & I Payment $ XXXXActual Modification ( XXXX XXXX, 2015 ) Interest Rate 5.250 % ( +2.500 %, 92 % higher ) Months to Pay Off Loan XXXX ( XXXX, +17-1/2 years ) P & I Payment {$2200.00} ( + {$30.00} ) I accepted the trial modification terms as offered, thus avoiding formal mediation in Nevada 's Mediated Mortgage XXXX Program ( MMMP ) as part of my Chapter XXXX Bankruptcy. On XXXX XXXX, 2015, after XXXX successful trial payments, Bank of America sent the mortgage modification documents, but with the new terms. 
I signed the documents on XXXX XXXX, 2015 so that I could keep my home, on advice from my bankruptcy attorney. On XXXX XXXX, 2015, the Bankruptcy Court approved the modification, with it entered on XXXX XXXX, 2015. 
The question that I have repeatedly asked Bank of America, and that they seem incapable of answering is : Why did you offer XXXX set of terms for the trial and change those terms for the actual modification? 
Did Bank of America commit fraud or breach of contract with these bait-and-switch modification tactics - and does this constitute misleading financial practices? 
Am I just stuck with this new mortgage? Is there anything you can do to help? I would be more than happy to provide you with all relevant modification documents. 
Thank you for your time and consideration.
Consumer complaint received 2016-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX of 2016 a formal notice of dispute was sent certified mail to Bank of America demanding the validation and verification of an allege loan debt, Bank of America failed to respond. In XXXX of 2016 a second notice was sent demanding validation and verification of an alleged debt, Bank of America failed to validate the debt. in XXXX of 2016 a third notice was sent and Bank of America did not validate nor verify the debt. 

Bank of America is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Bank of America is harassing me, conspiring to defraud me out of my property, and violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Bank of America continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under Frauds and Swindles laws. Bank of America is sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my credit report and noticed Bank of America published negative remarks to all XXXX credit agencies. This is defamation of character and a violation of Fair Credit Report Act
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: MIB Group, Inc. (CO)

I requested a report from MIB after I was turned down for insurance by XXXX XXXX XXXX. XXXX After a reconsideration request by me XXXX approved a higher cost " rated '' insurance plan. 
The XXXX code symbol translation in the MIB report states that I am currently under treatment for XXXX XXXX I am not currently being treated, nor have I ever been treated for XXXX XXXX. I have a steady and healthy XXXX XXXX.
Consumer complaint received 2019-07-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

Date of transaction XX/XX/2019 Complaint against USAA Went to get an auto insurance quote. USAA has membership qualifications for military. I went through their qualifications list and was informed I did qualify as a child of a veteran. At no time was there anything that said I was not qualified or would not qualify and I was given a membership number. I had to apply for membership, qualify, fill out all sorts of information, including my social security number and my father 's social security number. After all of this online membership application, plus account set up, I was then redirected to XXXX XXXX car insurance for a quote! The site did not say I wasn't qualified for USAA auto insurance,  just keep redirecting me to the point I thought my browser was hijacked! I called, wasted even more of my time to be asked all sorts of financial and personal information questions and then told " I was not qualified '' for a USAA membership! This is fraud. I am sorry, they get you to sign up, claim you are qualified all to get your contact information and social security number. USAA needs to be stopped. That's just outrageous fraud to obtain someone's social security number plus redirect them to some auto insurance company for assuredly kick back on sales leads.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (SC)

On XXXX XXXX, 2015, 21st Mortgage Company hired a third party subcontractor to illegally evict me and my XXXX children without a court order, then destroyed and illegally seized all of our belongings. 21st Mortgage Company failed to file and serve the proper notice. The subcontractor, intentionally causing emotional distress, anguish, anger, fear of an arrest, frustration, humiliation, embarrassment, when he purposely lied to the XXXX County Sheriff Department, purposely created a hostile environment. When I notified 21st Mortgage Company, unresponsiveness, unsuccessful attempts and due to our homelessness, caused me to XXXX. The subcontractor 's deliberate malicious destruction of my property, intentionally reported to the sheriff 's deputy that I was trespassing.While I was removing my property from the home, after being told by 21st Mortgage Company that they would give prior notice. My youngest son and I was forced to watch the subcontractor and his workers steal everything WE own, forced to watch them take away the memories of my family, throw my property on the back of truck. 
The subcontractor lied and information was not disclosed clearly and it was misrepresented. The mortgage company 's unfair business practices, stealing everything I own, selling the property with my ceiling fans and light fixtures, I need help getting my property back, due to their deceptive practices. The mortgage company was completely aware of my situation, I also notified their attorneys, and they have refused to investigate my claims, respond to my complaint filed through their internal website. I did not abandon my home, my home was still filled with my furniture, this was not an abandon property, lighting struck my air conditioning unit, I did not have the money to get the unit fixed, did not have the money for utilities, nonetheless the property did not meet the criteria of an abandon property according to SC State Statue. Please send me an email address to send copies of my records. I look forward to your reply and a resolution to my problem.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX ; Experian and XXXX are reporting incorrectly medical collections partial account numbers XXXX. Please see pages 18 and 19 of the attached credit report. I have exceptional medical insurance and all medical expenses are covered. There are no outstanding medical bills that I owe. This is clearly a billing error on the part of the medical facility that is reporting these collections. Please see attached copies of my health insurance information. This inaccurate reporting is harming my credit score and these collection line items need to be removed from my credit report.
Consumer complaint received 2024-09-30
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. (MI)

The following hard inquiries reflect on both my XXXX and XXXX credit report and I have not initiated any transactions with such company, nor do I have an account with them for review or collection purposes. Therefore, there is no valid reason for them to access my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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. (GA)

I was alerted in XXXX from XXXX that someone made an attempt to charge my card. So XXXX reissued the XXXX. When I look on my Experian report, I now have 2 accounts open for the same XXXX XXXX. I submitted an online complaint to Experian in XX/XX/year>. The only thing Experian did was update the balance of the closed XXXX  card and keep the card as open. 

I contacted XXXX via email on XX/XX/year>, letting them know Experian credit report shows I have 2 open XXXX XXXX cards with a {$10000.00} limit each and a combined credit limit of {$20000.00}. And they said they would look into it. After a few back and forth, on XX/XX/year>, XXXX says they will look into it. 

To date, Experian continues to report 2 XXXX XXXX 1 XXXX cards on my credit report. The correct XXXX, shows monthly payments. The closed XXXX shows the last payment was XX/XX/year>.
Consumer complaint received 2015-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P. (CA)

I received a recent collection notice requesting payment of {$80.00} for an alleged past due account with XXXX XXXX who I am a current, longstanding, good customer with. This is the XXXX time I have heard of this company Credit Protection Association, LP or this debt. I was never sent a notice of right to dispute nor have I previously been contacted by mail or telephone regarding this alleged debt.