davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (OK)

Said company is Transworld. 
They call repeatedly-daily even after being told to STOP!!!!! They called me last night from a new number at XXXX central time. 
( XXXX ) XXXX XXXX ) XXXX These two numbers. And if I block them they call from a new number. 
I dont owe them I owe the original creditor, who wrote said debt off. I have told them to mail notices-they do that WEEKLY!!! So whether its via phone or by mail they HARRASS by repeating!! 
I just got an explanation of benefits from my insurance and it appears that I also owe less than what they are trying to collect on. 
They have been harassing me for weeks. I answered the phone one time in the last ten days and when I started talking they were wadding up paper of some kind and acting like they couldnt hear me. 
Again it needs to STOP! 
If I had {$200.00} to pay XXXX XXXX XXXX I would I sure as heck aint gon na pay transworld. Ill pay XXXX directly!!!! 
Make them stop!!!
Consumer complaint received 2018-09-22
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: JPMORGAN CHASE & CO. (IL)

Yes hi my name is XXXX last year ago I have noticed several inquiries on my credit report from Chase card. I gave them a call to let them know that it was fraud been done in my name and asked that they fixed the problem. They told me that they would but never have and this was last year some time in the summer of XXXX. So because they handle the situation properly I called XXXX  and let them know of the situation what was going on. That it seems as if someone has stolen my identity, they did put a block on my social security number and also removed the chase card off my report. In XXXX of XXXX or XXXX I believe but here it is XX/XX/XXXX and it pops up again on my credit report. I have been rebuilding my credit over so I can buy me a house these hard inquiries keep putting a ding in my score. I'm really getting irritated by it cause it's getting out of hand my next step is to Laywer up and Sue Chase card I'm trying to avoid going this route so can you all please help.
Consumer complaint received 2018-09-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

on XXXX and XXXX i had sold items at a local pawn shop i have done buisness with for over a decade. first transaction was for {$5000.00}, and the second was for {$4800.00}, and i recieved a check for both transactions. i deposited the first check into my account via mobile deposit, and the second one into my account via atm check deposit. A 7-day hold was placed on both checks which is understandable and reasonable as i have not had checks deposited to either of those sums prior.the first checks hold was released with no problem on XX/XX/XXXX, however on XX/XX/XXXX the day before the second check was supposed to have the hold released i recieved a call from bank of america fraud protection asking questions about the checks, what they were for etc. which is understandable and reasonable with the amount of money being dealt with. I thought the conversation went fine, however i went to check my account later that day and had seen that the account was locked online and when i called to figure out what was going on i was informed that my account was closed due to suspicion of check fraud. I then asked for a second review and gave them more information, as well as the contact information to the pawnshop i had done business with. i then contacted the pawnshop and asked if they had been contacted prior and they had not. they did inform me that said checks where posted to there account. as of the writing of this complaint on XX/XX/XXXX i was informed that the secondary review was complete and the account closure stands. and that any funds will be mailed to me after account closure has been finalized on XX/XX/XXXX. i also requested any and all information in regards to this issue and was informed that a letter would be sent informing me of the closure.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account. 

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation. 

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form. 

5. As of today, I pay XXXX  and Transunion for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called TransUnion and XXXX  questioned an inquiries of XXXX, XXXX XXXX  and XXXX XXXX on my credit report. I told them that I did not make these two inquiries on my credit file. They gave me the run around.
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I made a {$1000.00} deposit at BBVA Compass ATM XXXX, XXXX, Texas, XX/XX/18, at XXXX. Compass debited my account with a {$630.00} auto draft, that is not processed until the XXXX of each month, prior to crediting me with the deposit, which was made first. This resulted in 4 overdraft charges. I spoke with XXXX ( sp ), Compass Bank, on XX/XX/XXXX, but she only agreed to refund 3 of the charges ( stated it was a busy holiday ), which then resulted in another overdraft charge. I spoke with XXXX and then XXXX, both with Compass Bank, on XX/XX/XXXX, requesting that the remaining 2 charges be credited and refunded back to me, but neither agreed. They stated they only could see my deposit was made on XX/XX/XXXX, even though I told them I had my deposit slip reflecting it was made on XX/XX/XXXX, prior to the {$630.00} debit, and then the domino effect. 
I know that BBVA Compass has been penalized previously for these actions.
Consumer complaint received 2018-09-26
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 — Their investigation did not fix an error on your report
Company: BB&T CORPORATION (FL)

I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ...

Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : XXXX
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

I have filed a requested debt validation letter to a company called Diversified consultants. I received a letter back showing a statement only, from the original creditor with no signatures or copies of information I requested on XX/XX/2018. I resent another debt validation letter with a ( POA ) on XX/XX/2018 email. A certified letter was also sent and received by their office on XX/XX/2018. Diversified Consultants have failed to validate the debt as requested with the information we originally requested from the first letter on through the third letter. I have tracking number and emails to prove my complaint. In Texas you can request a validation of debt within 5 days if finding a mistake from our original validation request. Diversified Consultant has failed to re-send our requested validation of debt in a timely manner.
Consumer complaint received 2018-09-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CASH AMERICA INTERNATIONAL, INC. (NV)

I received the email below today XX/XX/XXXX from a XXXX XXXX from XXXX XXXX. I believe this is a very old payday loan I took out XXXX   years ago, and then lost my job and was unable to pay it, however I am not certain. I did receive one phone call from a woman who stated she was collecting for " XXXX XXXX '' but i did not recognize the name of the payday loan company, so i asked her who they were? She stated it was a payday loan I a took out from XXXX in XXXX. I advised I was not working and unable to pay and she became very agitated and hung up on me. Today I received this email. 
Sincerely, XXXX XXXX XXXX! 
Notice Under US Federal Law & FDCPA-811 ( Action Required ) Inline image XXXX Case File # XXXX The District Courthouse Balance Due- {$960.00} Lawsuit File Cost # {$8000.00} File Transferred- XX/XX/XXXX NOTICE OF LEGAL CREDITOR - XXXX XXXX 

Dear XXXX XXXX, This is to notify you and requires your immediate attention. Our Attorney is going to file a lawsuit of {$8000.00} in the District Courthouse shortly. It is a legal requirement to send a notice of intended litigation before legal proceeding in the District Courthouse is issued. You have the last day to tender payment in full on the Account or arrange for exact settlement of the balance. Kindly note that the XXXX Sheriff Department will be involved in this matter. 

We have repeatedly advised you of your long overdue balance but you have not made any payment and we have turned your account over to our Attorney and instructed them to commence suit without further delay. There is still time, however, to avoid lawsuit if you email us on time. This will be your last opportunity to resolve matters without the expense of court proceeding. 

XXXX If you ignore the notice, charges will be pressed against your Name are, a ) Theft by Deception ( ACC ACT 21A ) b ) Collateral Check Fraud c ) Violation of US Federal Law & FDCP Act-811 Note- This carries a maximum sentence of 2 years of prison and a fine up to {$8000.00} We trust that you will now give this matter appropriate attention and attend to payment on time so that no further action will be necessary on our part to recover payment. If you are unable to attend to payment today please respond to the notice so that alternate arrangements for paying and securing the debt might be considered. 

Note- Failure to respond to this notice may result in a negative report to the Credit Bureau Payment in full is required to stop collection activity. 

Kindly do not ignore the notice and co-operate with us so that we can close this case File outside the Courthouse. 

Thank you for your assistance in this matter Best Wishes, XXXX XXXX. 
XXXX Department ''
Consumer complaint received 2018-09-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XX/XX/2018, I tried to close a XXXX balance HELOC with Bank of America. They did not close the account due to the charge of a XXXX dollar re-conveyance fee. After I was informed of the XXXX dollar fee, I paid the fee and they still will not close the account because they decided to impound flood insurance. I have an elevation certificate, so I do not pay flood insurance anymore. They started charging me flood insurance ( I do have a first mortgage on the home and they do not require flood insurance ) When I pressed the B of A flood department for more information, they lacked basic flood knowledge. The did not know what a LOMR was or what pre-firm meant on a flood map ... ( real experts ). They told me to call FEMA ( which I love to do during hurricane season because they have nothing to do ). I do not have time for their incompetence. I asked several times for a licensed individual to talk to or someone with an NMLS number that could be held accountable. They did not provide anyone who was licensed despite numerous requests. 

I asked them to close account in XXXX ... still not done
Consumer complaint received 2018-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WI)

I am suffering through a very serious injustice and I need your help in correcting the actions of my mortgage servicer, Freedom Mortgage. XXXX XXXX was my loan servicer, but they transferred my loan to Freedom Mortgage, but I was never advised of the transfer. My mortgage payments were made automatically through my bank account and I never really paid attention to whether or not it was paid because I had never missed a payment in eight years. However, when the loan transfer occurred, I had no knowledge and the payments did not automatically go to my new servicer. When I found out that there was a problem, I immediately contacted Freedom Mortgage to make the past due payments, but they said I had to contact their attorney because my loan was already in default. When I contacted the attorney, I was told to address my issue with Freedom Mortgage. 

This was in XXXX of this year and they have put me on a rollercoaster of bad advice and dead end service. Every attempt I have made has not brought any solutions and I have reached the end of the road with them. This situation now has spiraled out of control and I am now powerless against my mortgage servicer after being put in a situation which I did not create and can not fix on my own. I am hopeful that you can help me deal with this situation before I lose my home through foreclosure.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Hello, I submitted a written request by mail for Experieran, XXXX, and XXXX credit Bureaus to send me copies of the documents that the company has used to verify the accuracy of the account as a public record. I have been dealing with XXXX, XXXX, and Experieran over a year, and they have not looked into my credit report. I have sent muiltiple verification and follow up letters, and it comes back verified that the three credit Bureaus have not sent in any verifying documents to show where the information is involving the Bankruptcy. I received a letter back from Experian on XX/XX/18 stating that they previously processed the dispute, and verified its accuracy without sending me any verifying documents back. On my first follow up letter I sent off to Experieran, I stated " Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature '' " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report '' As I've stated above, the Experian credit Bureau did not provide me with any verifying documentations.

My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on all three reporting Credit Bureaus, XXXX, Experian, and XXXX. Thanks so much for looking into this important matter.
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Andreu, Palma & Andreu, PL (FL)

Am being sued for credit card debt by XXXX XXXX, XXXX XXXX XXXX from XXXX, Florida. It was for a XXXX XXXX rewards card.The account was charged off and sold to XXXX XXXX who sold to XXXX XXXX, XXXX XXXX  XXXX. I was never contacted by original creditor as required by law that the debt was being sold. so it is not a true assignment of debt. The only document i received was old credit card statements. I asked for additional paperwork that proved they have the right to collect and I received nothing. 
I found out through public records of a lawsuit. I called and spoke to a representative who made me an offer that I could not afford. They would not budge. I am disabled and living on social security. I believe they have to provide me with proof of assignment showing that the account was sold from original creditor to them. I am not disputing the debt from the original card holder but only that i was not contacted and when I asked for documentation, I got no response, except that a lawsuit was filed. I found out in a advertisement from a outside mediator who wanted to represent me. In addition I asked to speak to an attorney and they refused.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I requested my TransUnion credit report online in XXXX through XXXX. I was advised to request the report by mail. I requested the report by mail on or around XX/XX/2018. TransUnion did not respond to my written request. I tried to create an online account with TransUnion to request my report on XX/XX/2018, and that account will not give me access to my credit report, either.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

Somebody cashed a fake check worth {$2900.00} in the XXXX XXXX T.D bank branch and immediately withdrew the funds. I submitted a fraud claim with this bank, but whenever i try to inquire about the status of my claim nobody gives me a straight answer. the fact is that this is my one and only bank account which they froze because my account went into the negative because of the fake check that was cashed. My issue is with the bank taking as long as it has resolving the fraud claim. It happened in their branch the money was taken out of my account by their teller, and its obvious just by looking at my bank statement that i was nowhere near XXXX XXXX Florida the day the fraud occurred. this should have been a simple resolution yet T.D bank does nothing.
Consumer complaint received 2018-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

On XX/XX/2014 I opened an account with XXXX, I switched providers thinking everything was good with no money owed. I just created a XXXX XXXX and noticed I have a derogatory remark on my XXXX   and its affecting me to finance a house. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to Experian, along with XXXX. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both Experian and XXXX have NOT removed this debt off of my report.