davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jomax, LLC (AL)

Credit Bureau : XXXX XXXX : Jomax RecoveryThis is a collection that was opened in my name on XXXX/XXXX/2015 that was not authorized by me. I do not find it to be legal to open an account using my social security number to collect a debt. Furthermore this debt should not exist AT ALL. This appears to be a bond that was purchased in the event a bill was not able to be paid. If that were to occur, the bond would cover the bill. The original company appears to be XXXX XXXX XXXX XXXX which is showing on my XXXX credit report. I do not believe the debt collection is valid if the original creditor is attempting to collect on the same debt. Just because Jomax Recovery may have purchased my information does not give them the right to open an account in my name which is now reflecting on my credit report. I need LEGAL proof that they are representing the debt in which they are attempting to collect. Even still, it is also not legal for XXXX companies to collect on the same debt at the same time.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XX/XX/year> @ XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), I received a call from XXXX # XXXX from Bank of America. XXXX works in the fraud department and asked me about a check and wanted to know if I wrote it. I said no and said he would stop payment on this and he transferred me to another fraud specialist named XXXX # XXXX. She asked me for my social security number and I gave it to her and realized that was not a good idea and I told her I would call her back to get information and she HUNG up on me. I immediately called the bank back to inform the bank I had scammers calling me pretending to be the bank because the number XXXX called from was XXXX XXXX number and not the bank. The bank made me feel better because XXXX and XXXX do work for the bank. And the representative of the bank said that I did approve the check. She changed the check to fraud. I told the bank to listen to the recordings so the bank could listen to me saying no. The bank said the check was not cashed and I would get my money back in two days. I went into my account and looked at the check and it was cashed # XXXX {$4500.00} to a XXXX XXXX XXXX. I reached out to the XXXX XXXX where the check was cashed XXXX XXXX XXXX. I spoke to the CEO and he said the check was approved by the BOA and he was concerned as to why BOA never contacted him about this matter. I spent 3 days working on this ... one BOA employee said that XXXX is a really nice guy and would never do this on purpose and that they will be retraining him. If you would like to see the check that XXXX approved let me know. I am so glad that I called the bank back after talking to XXXX after she hung up on me. If I had not called back, XXXX would have changed the check as fraud after XXXX approved it without my consent. And I never would have known. I filled out a report to the Federal Trade Commission. I went to the Police Department and they said, we are short staffed, filing reports takes a long time and as always people filing the reports never get justice. I am not able to get the recordings or my notes entered from BOA. I believe that I found a fraud glitch in the BOA system. I asked BOA why XXXX called me from a State of California XXXX # and they said BOA uses their number. I believe I have my money back. I am not closing my account because if I do I won't be able to contact them about this situation if I have more questions.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello the reason why I am writing this complaint without prejudice because I realize building my credit again I made consent payment on a car loan that was under my name and my credit report. The company " Bank Of America '' reach out and told me that I have to make payment on this loan after the loan price reduce from {$17000.00} to XXXX. As well as the start of a XX/XX/XXXX I start to make monthly payments on the following date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On the listed dates you will see on my bank statement, looking at my credit report these 's payment was not report on my credit report. After the payment on XX/XX/XXXX they told me that I will have to call them to rearrange a payment on another payment plan to continue to pay off the loan. I did not even receive any notice about this payment arrangement or plan. But I still try to pay it off to get a positive reporting but that did not happened. Base off " The Fair Credit Billing Act ( FCBA ) '', For disputes about billing errors '' failure to post payments and other credits, such as returns. I will like to challenge this auto loan inquiry that is damaging my credit report and history.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC (FL)

On XX/XX/XXXX I went to XXXX of XXXX to purchase a vehicle using credit. I purchased the vehicle for personal, family, and household use and was financed through BMW financial. XXXX of XXXX demanded and forced me to make a {$6000.00} down payment in order to complete the purchase. pursuant to 15 U.S. Code 1605 no cash payment should have been collected
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CT)

This company has refused to send me validation of this alledged debt they are reporting on my credit reports. I sent them certified mail on XX/XX/2017 with no response to date. The tracking number is XXXX. It has been over 30 days and they need to remove this immediately!
Consumer complaint received 2023-02-03
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. (NY)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXXXXXX XXXX XXXXBalance : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; NXXXX XXXX ( Original Creditor:XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXXBalance : {$0.00} 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 2024-02-10
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: Westlake Services, LLC (CA)

This claim is fraudulent & illegal and misleading. I did not and never gave them or XXXX XXXX/WEST LAKE FINANCIAL SERVICES XXXX XXXX XXXX/XXXX XXXX XXXX AND XXXX XXXX the permissible permission to make or host such remarks ( 15 U.S. Code 1592,1681 bc
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (MO)

I have a federal loan that I have been paying on for years. I do not make enough to pay the recommended payment so it has been on an income sensitive payment for the last several years. Due to this situation I am only paying on interest that is accruing faster then I can make payments. I will not ever be able to purchase a house with this debt and it is a burden for me to continue to carry. I will be paying on this loan until I die. Another issue is that in order to use the degree that I earned I would have to go back to school to be re-certified in certain areas. 
Please offer any assistance that you can
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This was a corporate account that inaccurately and erroneously reporting on my profile. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Kindly investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ***** Opened XX/XX/2020 Balance {$1500.00}
Consumer complaint received 2024-02-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc. (MI)

GM financial sent 2 of my pre-paid lease accounts to collections after the vehicles were returned on time and in good condition. These leases were paid off ahead of me even receiving the keys, and therefor had no payments to be made. There was no damage to the vehicles after they were turned in, and I can't get a straight answer on what I actually owe them at this point. They have called me almost every single day for almost 2 years now, regardless of the fact that I filed bankruptcy and those accounts show on my credit report as XXXX with that bankruptcy. I have attempted multiple times to contact them about my account, but they claim I don't have an account with them - and yet they keep calling. They switched to calling from an unknown number so that I can no longer block their incessant calls and voicemails.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (DC)

In accordance with the Fair credit reporting act, this creditor has violated my rights : Under 15 USC 1681 Section 602 states : I have the right to privacy.

Under 15 USC 1681 Section 604A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

BANK OF AMERIKA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). BANK OF AMERICA is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I XXXX XXXX went into Wells Fargo bank located on XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX and cash my check. On XX/XX/2022 I XXXX XXXX went back to the bank to pick up the money then they said alert came up and they had to verify the check. XXXX XXXX the small business banker was on the phone with them then he came back and ask if I had a twin brother and I said no then he went back into where the phone was and was talking. After that I called the fraud department and after I kept calling they said I cant call anymore because supposedly I didnt open the account. In XXXX they said the account was closed and I still havent received my money from my check. The amount was {$12000.00}
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Upgrade, Inc. (OR)

I have a discrepancy with my account. I've had these questions before and have never been given a straight answer and had it always blamed on daily interest. 

Now I have proof they are not being straight with payments. Since I paid off my card and did not have a balance this excuse was no longer valid. According to my statement In the month of XXXX, I had a Previous Balance of {$780.00}, and the Interest Accrued in this Statement Period was {$9.00} which gave a total of {$790.00}. I paid a total of {$800.00} which should have given me a credit of {$4.00}. I have no credit and a balance of {$0.00}. I asked for my whole account to be audited and they have refused. There is something really wrong here and this company should be audited and investigated.
Consumer complaint received 2024-04-24
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: Navient Solutions, LLC. (TX)

I initially took out a private loan through my school. It appears as though my school had an arrangement with Sallie Mae and so that is the lender I had. The paperwork was signed at the school for the loan. I was notified that there was a mistake in the paperwork and I needed to resign I was told.

This new document had different interests rates on it. I make this allegation going years back. Fast forward and Sallie Mae has now created a new company called Navient so Sallie Mae can now pretend to have no knowledge of my loan. Sallie Mae engaged in predatory lending. Had a deal with my school and knew a majority of students like myself wouldnt be able to pay. 

The harassing phone calls began in XXXX or so and continued for years. Navient has already been made to pay for accounts held under Sallie Mae. State Attorney Generals sued Navient for actions and behaviors under the name Sallie Mae.

I attended school in XXXX, one of the states that qualified for settlement. I moved to XXXX and so I was not notified. However, the damage is the same and the alleged behavior of private predatory lending is the same. Navient currently holds my private loan. Sallie Mae engaged in illegal behavior and Navient wants to benefit. When Navient benefits then so does Sallie Mae.

I should be extended the same relief as those students who were part of the settlement. Sallie Mae had a partnership with my school. This compromised my loan and caused my financial aid office to work on the behalf of Sallie Mae and not me!
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter to TransUnion requesting that they delete the duplicate inquiries on my credit report. I explained that under the provisions of the fair Credit Reporting Act 15 USC Section 1681i they must reinvestigate and delete the disputed Items. The told me that I have to contact the creditors that made the inquiry and have them write a letter of deletion. I went to the creditors and they explain to me because I am not a customer of theirs that they will not write the letter. I explain this to TransUnion and also mentioned again the Fair Credit Reporting Act and they told me that they would not delete the duplicate items. So now I am bringing the complaint to the CFPB.
Consumer complaint received 2015-12-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Abrahamsen Ratchford, P.C (PA)

The Law Firm of Abrahamsen XXXX has been calling me for the last year or so. I had asked last year for either proof of the debt owed or for them to stop calling. Neither has been done. I have run my credit report - there are no active debts on my report. I 've resorted to blocking their number on my cell phone, but they continue to call at least once a week.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (OH)

Per their own terms and conditions each bank Ive dealt with stated that they dont share transaction history with third party affiliates as well as my SSN. I wouldve never guessed it would be each and every transaction and social that they would share with a company called early warning services. I have the full report Ill be uploading.

The law is clearly doesnt matter to the these institutions.

Privacy Act of 1974 5 U.S. Code 552a
Consumer complaint received 2024-04-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (FL)

Subject : Complaint Against Fay Servicing for Predatory Debt Collection Practices and Repeated Errors Dear Consumer Financial Protection Bureau, I am writing on behalf of XXXX XXXX XXXX XXXX to file a formal complaint against Fay Servicing for engaging in predatory and unfair debt collection practices related to the mortgage on our property located at XXXX XXXX XXXX, XXXX, Florida, XXXX, associated with account number XXXX. Below is a detailed account of the issues we have encountered : In XXXX, XXXX separate payments were made towards the monthly mortgage ; {$1700.00} from XXXX bank account, and {$380.00} from another. A mistake occurred on XXXX XXXX part where the representative misrecorded the account number for the {$380.00} payment, which prevented the transaction from processing correctly. 

This error was not identified until XXXX, when we attempted to make the subsequent monthly payment and noticed that the XXXX payment had not been processed. Instead of correcting their error, Fay Servicing charged default interest for 41 days and beyond, and XXXX our online payment capabilities, preventing any further attempts to rectify the issue through their online system. 

This incident of charging exorbitant fees due to administrative errors is not isolated. Previously, when our bank details had to be changed due to a compromised account which caused a slight delay in payment, Fay Servicing charged over {$4000.00} in default interest. This fee was added to the loan balance without consideration of the circumstances or any attempt at understanding, illustrating a pattern of predatory behavior. 

When we contacted Fay Servicing to resolve the issue and proceed with the XXXX payment, we were informed that we would need to pay not only the current amount due but also the accumulated interest of {$3700.00} from their prior error. They refused to accept any payment that did not include this inflated interest amount, effectively forcing us to agree to their terms or face further financial penalties. 

These practices are not only predatory and unjust, but they also demonstrate severe mismanagement and a lack of basic customer service ethics on the part of Fay Servicing. Penalizing customers for errors made by their own staff, and blocking payment attempts to enforce unnecessary charges, are clear violations of fair debt collection practices. 

We urge the Consumer Financial Protection Bureau to investigate this matter with urgency and to enforce measures to correct these issues. We are seeking a resolution where all erroneous charges and accrued interest are waived, and our ability to make payments is fully restored. Furthermore, we request that safeguards are implemented to prevent such issues from recurring in the future. 

Thank you for your time and help. 

Sincerely, XXXX XXXX For XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-06-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Outsourcing, Inc. (NY)

I've sent two letters ( see attached ) to Receivables Outsourcing , LLC on XX/XX/2023 and XX/XX/2023 in response to debts they allege that I owe with instruction to cease contact. I have received two calls after these dates on XX/XX/XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX XXXX  from this company 's phone number ( XXXX ) XXXX.