davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

In XXXX, I received after the fact, a writ for wage garnishment that had been filed in XXXX filed by XXXX XXXX offices on behalf of Midland Funding. Prior to this I had sent debt validation letters to each entity and also issuing a correct address in which to contact me. There was no positive response to either. The writ arrived with an incorrect, uncurrent address and I was never properly notified of who the originator of the debt was, the nature of the debt which is in excess of XXXX. Neither could I find the writ in any public records. Neither could I find a lawyer willing to represent the matter and it was not on my credit report going back as I can remember which is XXXX or thereabouts, to the present. Again, I never received proper notification I was being sued by a junk debt collector nor did I ever receive any documentation about the nature of the debt purchase, how much was the debt was purchased for, or any specific information concerning the original debt. After all this time I suspect if there is anything legitimate about this claimed debt it is well beyond expiry. In spite of this I didn't have any wages garnished until recently, starting in XXXX of XXXX. I had to request a copy of the writ from my payroll department. Same amount claimed, in excess of XXXX plus interest, wrong address but updated to reflect a XXXX date. The summary of garnishment and the proof of service is blank and the writ so illegible as to be nearly unreadable so I can not scan a copy and upload it to you. As of this time, I have not found a lawyer, even those claiming to specialize in such matters, to represent me although I have contacted dozens over the years. I am now forced to file bankruptcy for lack of proper legal representation but I have no creditor to present to the court because I can not get any information concerning this debt from XXXX Law or Midland Funding who will not send any information on the debt that Midland purchased, but instead sends notifications of writs, after the fact to any old address which is in violation of my privacy.
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

I was grossly misled by this companies representatives. I was never informed that my loan would be transferred to another loan company. I was never told that I would end up paying interest on the interest after paying off the actual loan amount. I borrowed {$4300.00} I repaid {$4500.00} in six payments. I was then told that the interest would be with another company as a second loan and that my balance was {$3200.00}. I have now paid {$1100.00} on the {$3200.00} and my balance is {$3200.00}. The 2nd loan to pay off the interest on the 1st loan began in XXXX 2019 and after two payments totaling {$1100.00} my balance due decreased by only {$75.00}. I was told that I would not be charged interest on the interest.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Love, Beal & Nixon, P.C. (TX)

Love Beal & Nixon PC out of XXXX XXXX, OK has been attempting to collect on a very old credit card debt from more than 10 years ago. I have moved addresses, moved states, changed phone numbers and jobs over the years so I guess they could not reach me. On XX/XX/2019 they seized my bank funds, totaling {$280.00} and reduced my balance to XXXX. I had no savings to pay a lump sum. Seizing my bank funds created undue hardship on my family. I couldn't pay my bills, get gas in my car to get to work, or buy groceries for my XXXX children. That is when I learned they had taken legal action against me for this very old debt. 
I don't know what to do. I am living pay check to pay check, I still have no savings. It takes every penny I earn to pay my monthly expenses. I just can't afford to pay another person. I called them in XX/XX/2019. They said they would settle for a ridiculously high amount. They already took every dollar I had, and that only amounted to {$280.00}. Why would they think I could suddenly pay {$4000.00}? I live in fear that they will garnish my wages or take more money out of my bank account. I will not be able to survive. My children and I will become homeless.
Consumer complaint received 2019-07-03
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. (VA)

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, a Conditional acceptance/ change in terms of agreement was mailed out via certified/return receipt to Bank of America Merrill Lynch N.A. , and to three separate corporate offices. It was also mailed to CFPB and XXXX XXXX XXXX via certified mail/return receipt. All averments to the conditional acceptance/ change in terms of agreement requested were ignored. Which made the new contract legal and binding. On XX/XX/XXXX, I sent a Notice of default with three days to allow for additional time in answering the contractual agreement. Again, ignored. By acquiescence all involved in this contract are bound by the new terms and conditions that were agreed upon. On XXXX an arbitration award was awarded to XXXX XXXX in the amount of XXXX. After several complaints to CFPB this matter has exhausted its administrative remedy. I have no choice now but to enforce the award. I have tried to handle this civilly, only to get robotic response letters. In the last response I received on XX/XX/XXXX from XXXX XXXX XXXX stating a change in terms of agreement sent in XXXX, stating Arbitration will not be allowed from Bank of America Merrill Lynch N.A. has the account number completely wrong with the account in dispute. This correspondence from them is an error. The contract sent to the three named above will stand as legal and binding.
Consumer complaint received 2024-04-08
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: General Motors Financial Company, Inc. (MS)

I sent a picture of my drivers license to my brother XXXX, he was in the process of trying to get a vehicle. The sales representative explained to us that I wasnt co-signing on a vehicle so they didn't need to run my credit so I believed him and provided my drivers license and the next day I began to receive notifications of all 6 inquiries. In which I didnt consent of regardless if it was my brother or the auto company.
Consumer complaint received 2019-07-03
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: EQUIFAX, INC. (VA)

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor :  ) XXXX
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX, I submitted a payment of {$40.00} from my XXXX XXXX account. Then on XX/XX/XXXX, I submitted an additional payment of {$140.00} from my XXXX account. My statement closed on XX/XX/XXXX, and I received it electronically on XX/XX/XXXX. My statement shows both payments posted and my available balance at {$170.00} as of XX/XX/XXXX. My account online showed my available balance as {$37.00}, and when I called, I was given the same available balance. The next day I called again after logging into my account and still not seeing the other payment, {$140.00}, showing as available. This time I speak with a CSR and was told that the 2nd payment would be available in the next 3 days. It was not so on XX/XX/XXXX, I called again and was told that he did not know why the payment was still not available, but it would be released tomorrow. I log into my account again today and call the automated system and still the {$140.00} is still not available even though my online account says it posted on the XXXX as well as my statement. Both payments cleared and posted to my bank accounts, {$40.00} on XX/XX/XXXX to XXXX and {$140.00} on XX/XX/XXXX to XXXX. It has been 15 days beyond the date of the last payment posting and clearing my bank account so there is no good reason for this payment to have not been made available at this point. Two different CSR people have not been truthful and have only told me what they believed I wanted to hear. I truly believe that they have no idea why it has not been made available, and the guy I talked to yesterday did finally admit that he had no clue. I believe, based upon similar consumer complaints, that I will not be able to resolve this matter on my own. I believe my consumer rights are being violated, and this is just not right!
Consumer complaint received 2019-04-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: American Elite Recovery, LLC (MO)

On XX/XX/XXXX at XXXX I called American Elite Recovery @ XXXX. I spoke with XXXX who started explaining to me what was going on with this account that I owed XXXX XXXX. She stated that they wanted to settle with me for {$300.00} but if the phone got disconnected that they would treat that as a refusal by me and they would have to move forward with Garnishing my wages. I advised that I wanted to set something up as well but that I would need more time to be able to look at my finances. She stated that she needed something right now. I advised that I could make a payment next week of {$10.00} to start off. At this point she stated that they didn't except any payments lower than the amount of {$50.00} and so that since I wanted just to pay {$10.00} she would need to start Garnishing my wages. I advised that she had not advised of the {$50.00} min payment prior to me advising of what I wanted to pay. She was getting very upset at this point. I advised at this time that since she threated me with Garnishing my wages that she could talk with my lawyer. At this point she lost it. Yelling at me saying " Why did you waste my time if you had a lawyer? ". I tried to explain that I didn't have a lawyer because I was trying to resolve this but since she threatened me that she could talk with my lawyer now. I attempted to give her my lawyers name and phone number. She would not let me talk and continued to yell at me and said something about my address and said that they would be garnishing my wages and hung up the phone.
Consumer complaint received 2021-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

This is the information sent to XXXX. I haven't gotten a reply, their links are not accurate, and when I have called I am advised to call my service provider, which is not in effect at this time. Reason : I need some help. My stress level is higher than I can manage, and my stress over my student loan situation is at the top of the list. I have companies contact me saying they are supposed to be my provider, however, then another one, and another continue to contact and I dont know which are legitimate. Additionally, the methods do not appear honest to me. I go through a lengthy phone process then I am told I have to decide immediately and sign their 15-page document. I ask for time to read the document and I am told you have to sign right now to get this offer and the person on the phone is going to read it to me as we go through. I would never sign anything without being given the opportunity to fully read and understand what I am signing. This is like working with a sleezy used-car sales team and I am not willing to do that. When you push us off on other companies we pay additional fees to them on top of the student loan payments. Then you move us to another company and we pay additional fees again. I dont know if I need legal counsel for this or if something can be worked out. I have been enrolled and re-enrolled with a new start-over date 4 times for my service student loan forgiveness plan because Im a XXXX. By now I should be almost finished with this program, and I have enough years as an XXXX XXXXXXXX XXXX XXXX XXXX that I could have gotten the additional reduction of my loans by $ 14K if this had been handled correctly. At one point I was paying one company and another company garnished my wages. This inconsistency has to stop. As it is now I am about to be 60 and will have to work to almost 70 to get my loan forgiveness and there is no more time to add the additional forgiveness even though I have been teaching for 20 years in XXXX XXXX schools. Im over the XXXX I have had to deal with because I went through XXXX for my student loans. I need help. And I need it from XXXX, not some loan servicer who has proven my loans will not be managed correctly, who will charge me additional money that does not go toward payment, and who is not demonstrating transparency. Please advise.
Consumer complaint received 2019-07-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a XXXX XXXX where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was XXXX XXXX XXXX, also used the name XXXX. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the Yamaha representative couldnt tell me anything about the debt. Also called a Yamaha phone number given to me by XXXX, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. XXXX XXXX XXXX said XXXX XXXX bought the debt, and XXXX XXXX is the third party used to collect the debt .... Ive been told so many things by XXXX XXXX XXXX, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information XXXX has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I traveled as I always do beginning in the Fall of XX/XX/XXXX to XXXX  for vacation and returned in XX/XX/XXXX to the US. Prior to leaving I put an excess amount in my credit card balance to cover any recurring payments and fees while I was away. However, Bank of America without my knowledge or consent decided to mail the excess balance to my residence in the form of a check while I was away. As a result, my credit card payments were not posting and I was being penalized with fees for not paying down the balance. My credit report eventually had my account as missing a payment damaging my score from a prior 100 % payment record. My credit limit also went from $ 10k to {$500.00} from the missed payment.

I contacted BofA upon my return to discover what happened and had no luck getting the credit report missing payment corrected or the fees associated with the missed payments. My credit limit was also not reversed to my prior limit.
Consumer complaint received 2019-07-03
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. (TX)

This issue is still not resolved after how many months..Their investigation did not fix XXXX/XXXX   XXXX They said they have verified it but did not give me details on how their investigation went.. They only sent me a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error
Consumer complaint received 2019-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This issue is still not resolved after how many months..Their investigation did not fix XXXX   XXXX They said they have verified it but did not give me details on how their investigation went.. They only sent me a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cherry Creek Corporate, LLC (IN)

The amounts listed as payoff for my HELOC and my first mortgage in my loan do not match the actual payoff amounts recorded with my former lender ( payments were made and processed ). The new lender listed payoff amounts ( incorporated into my loan ) that were higher than the actual. 

HELOC payoff listed in closing doc = {$84000.00}, but actual payoff made was only {$84000.00} 1st Mortgage payoff in closing doc = {$250000.00}, but actual payoff made was only {$250000.00} Discrepancy is {$430.00}. 

The new loan was closed on XX/XX/21 and payoffs were made on XX/XX/21. There is no record of the additional money being sent to my previous mortgage company in error ( They are showing payment for the actual amounts listed above and no more. ) I contacted the mortgage broker, XXXX XXXX, of XXXX XXXX XXXX XXXX, on XX/XX/21 and supplied him with the docs from my refinance to show the larger payoff numbers listed and the statements from my former mortgage company showing the payments made. He directed me to my former lender, but my former lender only received the actual payoff amount, no extra. I also called the mortgage company that closed my new loan ( Cherry Creek Mortgage Company ), on XX/XX/21 and left a message about the situation. They have not returned my call and my loan has already been sold to XXXX XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (IL)

This company doesnt have the legal right to collect on this alleged debt. I have repeatedly asked for them to identify the debt owner so that I may communicate with the original debt owner. This company hasn't validated the debt. I do not have a contract with this company SLS.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (CT)

We are refinancing our mortgage through XXXX XXXX XXXX XXXX XXXX. We were pre-approved by Freedom Mortgage company for {$160000.00}. pending our appraisal. We were given an FHA certified appraiser from XXXX XXXX ( through XXXX ). The appraisal came back at {$190000.00}. which was only {$5000.00} shy of what we needed. So the broker ( XXXX XXXX ) revised the loan request accordingly. We were just waiting for the approval of the underwriter. The underwriter requested that some comments be added to the appraisal so the broker sent it to the appraisal company for adjustments. 
we received our updated appraisal to find out it was decreased by {$10000.00} to {$180000.00} due to one added comparative property. We feel we are being undervalued and are not being treated fairly. This refinance has been taking a month and estimates just keep changing. We believe a decrease of that amount for one comparative property is unjust. The FHA approved appraiser 's first opinionated value should not be able to be overridden in that way. We have been paying our mortgage for 14 years and have refinanced in the past without problems of this nature. XXXX XXXX XXXX XXXX XXXX has been great every step of the way and believe we deserve a fair experience.