davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I received a voicemail on XX/XX/2020 from IQ Data International for collection on an outstanding debt. I promptly returned the call and I was told it was a debt of {$98.00} from XXXX XXXX XXXX XXXX   After some back and forth with the the debt collector, XXXX XXXX, I was connected with XXXX, a manager. I requested written proof of the debt and was denied. He claimed that I had already acknowledged the debt, which is false, and that payment needed to be made immediately. XXXX used threatening tactics and, unprompted, began to read through a list of my personal information which I assume had been provided by XXXX XXXX. Feeling threatened, I hung up and called back to XXXX 's direct line. 

XXXX put me in contact with XXXX XXXX during the second call. I again requested written proof to be sent to my current address. She denied that request and told me that had until the next day to pay the debt or it be sent to the credit agencies. I was told by XXXX XXXX that a collection letter had already been sent to my address on file, and that the company had therefore fulfilled their obligation to provide written proof. When I asked for her to provide the address that they had on file, she provided the address of the apartment that I had moved out of at XXXX XXXX. When I told her that was an invalid address and that I had provided XXXX XXXX  with the correct forwarding address upon move-out ( part of my official move-out paperwork at the end of my lease ) she accused me of not correctly providing the information to XXXX XXXX management. When I offered to provide my current address so that the collection company could send me the written proof of the debt, XXXX XXXX refused to take the information, again stating that they had already fulfilled their obligation. I never acknowledged the debt was mine but XXXX XXXX told me that just the fact I was continuing to have this conversation was acknowledgement in itself then threatened to mark me as " refusal to pay '' and send my info to credit agencies. 

Additionally, during the first call, without asking him to, XXXX XXXX read out aloud my social security number in an attempt to prove that he was a legitimate debt collector. When I still insisted upon receiving written proof of the debt, he said that the fact that he had my social security number should be sufficient proof, and that he had enough of my personal information that he could " open a credit card in [ my ] name and do a lot worse than {$98.00} ''.
Consumer complaint received 2020-02-20
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. (CA)

I had a XXXX Account opened in XXXX and its been paid off for years. It doesn't even show up on my credit report. Midland Creditors sued me without me knowing did paperwork at a XXXX Superior court house in california. I got an alert that may bank account was levied. I went to the bank because i did not  know what was happening my saving was wiped out, no money. The bank told me my account was levied by Midland Creditors. They gave me a case # so i went to the court house, I then went to the court house to inquire on what happening because i was so nervous because they took my money and i have that money for my bills. I request all paperwork pertaining to my case #. I have never ever received any of the documents that were being used in court. So apparently i missed a court date for me to appear so the judgement went against me and they were able to levy my acct. I contacted Midland and the account number they gave is not my acct number because i have my old credit reports from XXXX and my XXXX   acct does not match the acct number they claim belongs to me. The original amount they stated is {$7200.00} but they applied interest and know they want {$15000.00}. Please see attached document from Midland. I got a lawyer and they basically told him that I owe with no proof of the loan only my name and ss #. They have no proof nor does my acct number match there's. My husband also received a letter from the XXXX County Sheriffs Dept that his account was subject to a levy as well.the paperwork attached summary is all the documents that were being filed with the court behind my back. I knew nothing about this. In XXXX i purchased my first home, then in XXXX my second home never has this beneficial acct number been attached to me.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I fell behind in my mortgage due to the natural disaster of hurricane Irma then Michael then Dorian all FEMA disasters one after the other. I was previously with a different mortgage servicer then my loan transferred to Select Portfolio servicing and I had to start the modification process all over. They have been very difficult to work with and they declined me but then I had a change in circumstance and my income increased by a  substantial amount to where I could qualify for retention options. I submitted my update information and application on or about XX/XX/2020 but they claimed they didn't have time to review me due to the XX/XX/2020 sale date. This is not true and I was well beyond the 37 days before the sale guideline.
Consumer complaint received 2015-09-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (AZ)

i had fraud on my acct. contacted BBVA over 30 times and never can get a answer. Just get transfer. No one has answer! I had money taken out of my acct and kicked out of bank for weapon. I have police report i contacted XXXX can never return calls. Its been since XX/XX/XXXX over 90 days. I return calls. Perosn called me and said they work for bbca and i told them the issue and they put me on hold called someone else and chatted for hour and they told me they call me back 4weeks ago for XX/XX/XXXX. I called on XX/XX/XXXX spoke with XXXXpeople XXXX cold transfer and now i been on the phone for 1 hr and still nothing. Money was stolen from the acct and charges made also. BBVA COmpass bank. Visa debit card.. XXXX in Fraud dept stated theres not really any notes to go off of. She get in contact with another dept tomorrow. It also takes hours to get a hold of someone. They stated they send me all this stuff still nothing. I call each time i get transfer around the call center. I called so many people and no phone calls return. I call during business hours. They state they have called and left vociemail nothing. i have phone calls recorded and video of inside the bank and also call logs. Its be posted on social media and etc by XXXX XXXX if this is not taken care of.
Consumer complaint received 2019-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc (OH)

I received a prescreen offer from the company FIGURE offering home equity lines, all of the marketing material references " Home Equity Line of Credit '', however they are actually only offering home equity loans. This is deceptive and misleading marketing.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UBS BANK USA (VA)

I HAVE BEEN ASKING FOR A REFUND OF MY CREDIT BALANCE SINCE XX/XX/20. UBS CLAIMS TO HAVE SENT CHECKS BUT CAN NOT PROVIDE CHECK NUMBERS AND I HAVE NEVER RECEIVED A CREDIT BALANCE REFUND AS PROMISED. ASSOCIATES ARE POWERLESS TO SOLVE MY PROBLEM AND DO NOT CARE. THEY MAKE NO ATTEMPT WHATSOEVER TO TAKE INITIATIVE TO FIND OUT WHERE MY REFUND IS. SUPERVISOR ARE NOT AVAILABLE AND DO NOT RETURN CALLS. UBS CUSTOMER SERVICE IS ABHORRENT!
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

Two problems.

1. A dispute was filed and the bank reversed the credit and closed the dispute without notice, explanation, or documentation. Bank refuses to provide additional information.

2. Key master debit card is rejected online. The merchant stated that the Avs ( address verification ) info is not available and therefore the card is not supported. 
Upon XXXX  the card not supported, multiple websites reference the card issuer as problem not merchant. Key continues to deny any problems or restrictions. Which continue to deny me using my card anywhere that I need to.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

I filed chapter XXXX bankruptcy on XX/XX/2020. Money Lion has been included in the bankruptcy and they were aware 2 days after filing ( even though it is a no asset case ), and this can be proved because they sent in a claim. They have since refused to report the account as included in the bankruptcy and continue to report late payments AFTER the filing date. They also still tried to collect payments AFTER the filing. I sent an email to them and they are beating around the bush, refusing to update the report and stating that they will keep the payment history as is. It should NOT continue to accrue late payments while in an active bankruptcy and definitely shouldn't be reported as open at this point.
Consumer complaint received 2020-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC (PA)

2 payments were missed, XX/XX/XXXX and XX/XX/2019. The payments were supposed to be directly debited from my parents account after the initial payment in XX/XX/2019. Once the error was corrected, the loan has been paid automatically on time ever since.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC. (AL)

XX/XX/2017 {$450.00} medical debt for medical procedure performed in office by XXXX XXXX XXXX. This was paid by XXXX. I was never offered a payment plan for this debt, before it was sent to a collection agency. But, I am covered under the XXXX ( XXXX XXXX XXXX program ) This benefit protects me, by law from any medical cost such as : deductibles, co-payments, or any unpaid medical services not covered by insurance because of my low income. This debt is past statute of limitation and yet a debt collector is harassing me for an unpaid bill.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

Simple. GUESSING IS NOT A VERIFIABLE DOCUMENT. The company consistently year after year makes what they call an " GUESSTIMATE '' on possible next year County property taxes without receiving verification from local municipality. The company increased my mortgage payment on a " guess '' and forced payment without receiving local official documents showing actual property taxes. I was charged an additional XXXX dollar 's per month on XX/XX/2021 and XX/XX/2021. After only threatening the mortgage holder M @ T Bank to take it to the AG, I received an update that they somehow found the correct info. BUT never returned the over charging. THIS IS AN OVER-LOOKED INDUSTRY ACCEPTABLE PRACTICE THAT IS COSTLY AND NOTABLE SCHEME WORTHY.. Increasing a mortgage payment on an estimate without receiving official state and municipality records gives the bank a loophole to always get customers to pay money to banks in a short term scheme that is excused EVERY year as " ... sorry we found it ... '' Why hasn't regulators caught this.. My complaint is M @ T Bank uses the `` sorry '' theme and didn't return my money.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I fell behind on my mortgage and I reached out to Chase for help to avoid foreclosure. Chase put me on a repayment plan to get me back on track. The repayment plan started on XXXX the first payment was to be made. I have made my payment for XXXX, XXXX, and the XXXX payment is set to be drafted from my account on XX/XX/XXXX. However, with all the payments being made I got a letter from a attorneys off from chase saying that i am sechluded for foreclosure because they did not receive papers signed by me stating that I accepted the repayment plan. I called Chase and spoke with a lady by the Name of XXXX XXXX and she stated that she did not understand why they kicked me out of the repayment plan cause she see where all the documents were received and all payments are being made. The agreement was received on XXXX and it states that the agreement takes affect once the first payment is received and the first payment was received in XXXX and the second one in XXXX now in XXXX they are telling me they did not get the signed agreement. The have the agreement and all payments have been made. Please assist me with this matter because I have only 3 more payments to get back on track with my mortgage. Thank you
Consumer complaint received 2021-04-17
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: Experian Information Solutions Inc. (CA)

All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the credit agency systems I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kohn Law Firm S.C. (IL)

XXXX XXXX XXXX , XXXX are attempting to sue me for a debt. The company has used unfair, and unconscionable means to collect or attempt to collect debts. The company did not present the original contract. Pursuant to 15 USC 1692 ( I ) ( b ) : Authorization of actions : nothing in this sub chapter shall be construed to authorize the bringing of legal actions by debt collectors.

This debt collector has placed derogatory items on my consumer credit report and participated in identity theft regarding my information. I have never given this company direct consent to obtain any of my information. 
The company had its attorneys reach out to me in which no remedy was given. Pursuant to 15 USC 1692 ( e ) ( 3 ), attorneys are of false representation. However, my instruction for remedy was not completed properly. Both companies have violated the TILA, FDCPA and FCRA. I would like remedy and this matter to be resolved immediately.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Please REMOVE Charged off accounts off my credit report according to 15 US Code 1601 .... Late Payments 15 US Code 1666B... Collections 15 US Code 1692C Hard Inquires 1028A. If these items arent deleted according to 15 US Code 1681 I am owed 1000.00 per item Civil Liability DO YOUR JOB REMOVE THESE ITEMS AND UPDATE MY CREDIT REPORT AND SCORE ACCURATELY and CORRECTLY. THESE THINGS THAT ARE REPORTED I DIDNT GIVE THEM PERMISSION OR GAVE THEM MY INFORMATION SO BY LAW IT IS ILLEGAL!!!! FIX IT OR IM SUING EVERYONE BECAUSE THE PAPER TRAIL IS THERE!
Consumer complaint received 2021-04-17
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: EQUIFAX, INC. (CA)

All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the XXXX XXXX XXXX I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.
Consumer complaint received 2021-04-17
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. (OH)

Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXXXXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the fair credit reporting act : 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 XXXXXXXX Has violated my rights :15 U.S.C. 1681 section 602 A. states I have a right to privacy.

:15 U.S.C . 1681 section 604 A. section 2. also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I need to have my credit report reviewed by someone that knows what they are doing! 
I have been in OHIO for over 10 years I have addresses on file that I never lived at. My name is XXXX XXXX XXXX not XXXX XXXX XXXX. Please correct. I live at XXXX XXXX XXXX XXXX, OH XXXX : please delete XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX. The following companies and account I do not recogize as doing business with these companies : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX There is plenty of case law and provision to protect my credit from inaccurate information XXXX vs. XXXX  , XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX , XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

2017 they stole {$6000.00} out of my account Chase bank took {$6000.00} out of my account when I was making cash deposits and I have all the emails to show you.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I applied for a Refi mortgage with Navy Federal Credit Union. The loan refi was denied. 
I wrote a XXXX page letter to NFCU describing the fiasco. I will attach the letter for your read. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (WA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I have disputed this debt with the credit bureau and they said I owe it which results in the 2017 XXXX  data breach the credit is name LVNV funding acct # XXXX
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I have called and spoke with their representatives over the phone countless times. All of the contact and personal information they have on file for me is inaccurate. I sent a letter on XX/XX/XXXX and XX/XX/XXXX  to all three credit bureaus requesting they ask for documentation to confirm the validity of the debt. As a response to all of my disputes I have not received any proof of ownership. The company is claiming I defaulted on a lease from XX/XX/XXXX. However, at that time I was a college freshman living in an on-campus dorm at XXXX XXXX University. There is no way I would have been able to be financially responsible for an apartment or even provide proof of income because I was a full-time student. This company has damaged my credit for years without my knowledge. I have only recently become aware of this issue because I am currently attempting to get my first place and checked my credit.