davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: C & M Associates Group, Inc. (VA)

XXXX XXXX, XXXX, around XXXX XXXX, a representative by the name of XXXX XXXX of XXXX called my home. XXXX stated, " I am with XXXX. XXXX is in the process of filing suit against you for {$6000.00}. We are trying to collect at least the XXXX grand that you owe. " I did have an account XXXX in XX/XX/XXXX ( {$900.00} and made XXXX payment of {$99.00} ), however, I filed bankruptcy, during that time and my home was sold ( XX/XX/XXXX ). 

The representative referred to me by my present name, and former name ( last name of marriage ). " XXXX XXXX '' ended the call when I told him that I was going to contact an attorney.
Consumer complaint received 2015-09-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Real Time Group, Inc. (WY)

My home foreclosed in XXXX of 2010 with XXXX. XXXX had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with XXXX to be sure. Last year, after four years of the debt not being pursued, XXXX sold the debt to Real Time Solutions, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.
Consumer complaint received 2022-08-15
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXXXXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2016-05-03
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: 1ST PREFERENCE MORTGAGE CORP (TX)

On XXXX XXXX, 2016 represented by a Realtor, XXXX XXXX who submitted a purchase contract for home XXXX XXXX XXXX, XXXX XXXX, Texas XXXX which was signed by an individual representing himself as the Executor of the Estate for XXXX XXXX XXXX. I spent {$3100.00}. in services fees ; earnest money, home inspection, HUD Consultant fee, termite inspection fee, hydrostatic testing fee, Home Appraisal, and comprehensive general contractor repair and rehabilitation proposal. Multiple amendments requested by 1st Preference Mortgage Corp Branch Manager to extend closing dates up to XXXX XXXX, with many questions asked by Buyers and was met with hostility and lack of information that will on estate was not probated until XXXX XXXX, 2016, and on XXXX XXXX, 2016 title on home contained curative actions required to achieve a " good deed '' to property. Meeting with seller on XXXX XXXX resulted in an Oral Agreement to extend closing date till XXXX/XXXX/2016 to resolve issues to achieve property sale and closing. On XXXX XXXX, 2016 seller decided not to sign contract extension and requested buyer to release earnest moneys to him. 
Buyer has incurred three months investment of time, and moneys to purchase property. Realtor representing seller knew that property was not eligible for sale on XXXX XXXX 2016 when listed for sale and on XXXX XXXX, 2016 when individual to become executor signed contract but was not legally authorized until XXXX XXXX, 2016 to sign purchase on home contract. As a first time homebuyer I feel deceived, and manipulated to believe I would purchasing this home for three months and was financially exploited by the 1st Preference Mortgage Corporation.
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied for a refinance of my mortgage on XX/XX/XXXX. I was approved for the refinance and worked with the new lender to obtain the required documents. During their review, they found that Bank of America had a lien on the property from a home equity line of credit dating back to XX/XX/XXXX when I first purchased the property. This lien should have been released in XX/XX/XXXX/XX/XX/XXXX when we arranged a line of credit, also from Bank of America. I initially tried to contact BOA by email on XX/XX/XXXX. BOA replied that I would need to go in person to a branch to resolve this issue. I went into the branch at XXXX in XXXX on or about XX/XX/XXXX. XXXX, the branch manager was very helpful in attempting to resolve this issue. However, the mortgage department which needed to complete the removal of the lien was not as responsive. I was told that the mortgage department required 7 - 10 business days to resolve an issue. The first document which they sent, a discharge of mortgage, was for the wrong lien. They did not provide this immediately but rather required that I wait for it to come in the mail. Eventually, XXXX received a copy and provided this to me and I realized that it was the for the wrong lien. We had to start the process over again. Again, I was told that this would require a 7 - 10 day wait. I was given the name XXXX as the individual in the mortgage department who was working on this. I attempted to contact him directly but he was on vacation. I finally reached him and he told me that I needed the BOA work order number for him to be able to help me resolve this problem. I eventually received the release of lien on XX/XX/XXXX. I am writing to complain because my pending mortgage was subject to a rate lock. This lock expired on XX/XX/XXXX. Because the lock expired, I was required to pay {$2100.00} in order to obtain the originally agreed upon rate on the new mortgage. This delay was due to Bank of America 's inefficiency. I would like for BOA to reimburse me for the increase I had to pay to obtain the lower rate.
Consumer complaint received 2015-04-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to XXXX three months later. After researching both XXXX XXXX and Portfolio Recovery Associates and learning of their less than ethical practices, I felt it necessary to report their activity.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MA)

To whom it may concern, I have opted out of prescreened credit card offers permanently through the information provided by the FTC around XX/XX/XXXX. All offers have stopped except from American Express who continue to send me prescreened offers almost weekly. 

Additionally, around XX/XX/2016 I was a victim of identity fraud and as a result I put a freeze on my information through the credit bureaus. I was supposed to stop receiving prescreened offers but again continue to get them from American Express almost weekly. I have contacted the company multiple times, through writing and through phone to no avail. 

I just want these offers to stop as they could potentially put me at risk for more fraud. 

Thanks, XXXX XXXX
Consumer complaint received 2015-10-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (TX)

I am co signer on daughters loan and daughter is unable to pay and at this time I am also out of work and unable to pay. Wells Fargo Bank has been for the last six months day and night. I have now become ill and just out of hospital and can not take the strain of the constant calling. I have informed them of the ladder and that I am trying to pay but they just keep calling.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (MD)

Paypal sent me an email stating someone charged XXXX on my account and to call to get help. He wanted to refund my money and the next thing that happened was instead of putting XXXX back, he put XXXX and he said I could not transfer the money back and that I had to buy gift cards to make up the XXXX. I went to XXXX and got XXXX XXXX gift cards with my bank card and XXXX XXXX XXXX gift cards, XXXX. Then went to XXXX and bought XXXX XXXX gift cards and paid cash for them. Before I realized what was happening, I scratched off the # on back of the cards, took a picture of the cards and emailed them to him. After I realized what was happening, he got the XXXX XXXX cards and XXXX in XXXX XXXX  cards. I called my credit union and asked them to freeze my accounts.
Consumer complaint received 2017-02-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I have been paying back a {$70000.00} loan from Beneficial for over 20 years, and have repaid it more than twice over. 
Now that the loan is almost paid off they keep adding new charges to my loan without my permission every month. Last month it was an insurance policy, over {$500.00}, this month they paid my taxes, which I had already paid, over {$600.00} in new charges, plus they raised the payment with monthly insurance and tax charges. 
I have always paid my own taxes, it seems illegal to suddenly start paying the tax, then adding it to the loan without permission, adding interest, late charges, insurance and whatever else they can think of, especially when it is almost paid off, and could be paid off this year if they did n't add enormous charges every month, and they know I 'm old on a fixed income. 
XXXX, an accounting clerk with the Department of Assessment & Taxation with XXXX County, OR responding on behalf of the Assessor. 
" After further review of both accounts, it does appear that there are, in fact, two duplicate payments from both you and your lender. '' ( my XXXX is divided into XXXX sections, XXXX ) I had applied for the Senior citizen ' tax deferral program, but they turned me down after the first year because I did n't have insurance. 
The XXXX I had before, filed for bankruptcy ( The fellow who ran the business said there were too many claims due to GLOBAL WARMING ) - and according to the insurance lady that took over the office - because I live in a XXXX there is no insurance available. 
Several women have told me that their insurance was cancelled out in this area because they live too close to the " XXXX ''? 
I know you do n't control the insurance industry, but I wonder how it is that no insurance company will insure my property for me, but they will issue a policy for my property for Beneficial 's interest only? 
And if it is insured now can I get the senior citizen 's deferral? 
Is that why they paid the tax? 
Do they actually pay somebody to figure out how they can squeeze the last dime out of old people who are almost debt free? 
Or am I just a conspiracy theorist? 
They do n't have contact info on their bills, no phone, no website and they do n't respond to letters. 
Anyway, thanks for your help.
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (AL)

I Need Westlake To Trade My Car In I Need A New Vehicle Asap I Have A Two Year Warranty I Have Been Trying To Get My Car Fixed For The Longest While XXXX XXXX XXXX Was Still in Business And when Westlake took over. I Have Been Having trouble With This Car Since I Bought It. i Tried To Trade My Vehicle In At A Dealership I Couldnt Do That Because Westlake / XXXX XXXX XXXX Have Not Report Any Of My Payments To The Credit Bureau so when I went in to dealership they said they could not do it because it will be like a ghost trade. the Car is not worth XXXXXXXX XXXX  which is the rest I owe on the vehicle. This Vehicle Is About To Go Out Very Soon And If Westlake Doesnt Provide A New Vehicle To Me Payments Will Be Stopped And They Will Not Receive Anymore Money From Me
Consumer complaint received 2024-02-25
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Mortgage account XXXX and XXXX XXXX XXXX, 2015, Wells Fargo paid my property taxes, XXXX borough XXXX, block XXXX and lot XXXX and established an escrow account. This was done in error since I was not delinquent on my taxes. The payment by Wells Fargo created a credit on my property tax account and there ensued months of attempting to reconcile this error. I contacted the XXXX XXXX Department, XXXX XXXX, and confirmed there was now a credit on my account for {$970.00} since I paid and Wells Fargo paid the same bill. I contacted Wells Fargo and was told I had to pay back Wells Fargo the amount they sent to the Tax Dept. in order to get the escrow account deleted ; I sent Wells Fargo a check, as directed by XXXX XXXX, Mortgage Specialist at Wells Fargo, in the amount of {$1300.00} plus was told Wells Fargo filed a refund request with XXXX in the amount of {$970.00}. I was told once the city refunded Wells Fargo, the escrow would be deleted and I could resume property tax payments on my own. My last contact with XXXX XXXX was XXXX and he confirmed that the refund to Wells Fargo was processed by the XXXX XXXX and there was no longer a credit on my account. Here it is XXXX, and we are starting all over again : Wells Fargo paid my XXXX to XXXX 2015 tax bill and now are telling me that I am delinquent in my mortgage payments for XXXX and XXXX since the payments I sent could not be credited since there was an outstanding escrow balance. I have never been late with my mortgage payments but because there exists an outstanding escrow account, Wells Fargo will not properly credited my payments to my mortgage account, and are now considering me delinquent. I am now getting harassing calls for payment and XXXX XXXX has not answered my emails or my calls for over a month. I am sick over this since I fear my credit will be affected and quite honestly, I do n't know what to do. Every time I get correspondence from XXXX XXXX, the amount I have to pay them to satisfy the escrow changes. I am completely confused and feel I am in a nightmare of error that can not be resolved. 

I am in desperate need of assistance.
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-02-25
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: EQUIFAX, INC. (CA)

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report 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 2022-08-15
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: CITIBANK, N.A. (FL)

The company macys failed to provide the disputed account payments history for XXXX XXXX XXXX. If the company can't provide such information this account is considered over 7 years old and should be deleted/removed
Consumer complaint received 2016-05-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

To Whom It May Concern, I 'm writing to you because my house is being foreclosed on. the sale date to my house is XXXX XXXX is my XXXX modification that ive been on. the XXXX modification was back in XXXX XXXX '. I submitted everything they asked me for. then somewhere along the line my application for the modification got lost thru their cracks. if they can pull recordings and time stamped on documents that I submitted in a timely manner if you may please help me. my contact info. I may be reached any time anytime. thank you