davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-18
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance One, Inc. (CA)

XXXX violated my XXXX rights by providing my actual medical information ( Person Health Information ) to a collection agency, AllianceOne ( in an attempt to collect a debt ) in which there was no previous SIGNED authorization to do so. This serious violation occurred on or around XX/XX/2017. 

In doing so, XXXX provided this information to a collection agency ( AllianceOne ) which included information not required to to collect a debt : -- " Detailed Summary '' of Patient Accounting -- Patient Number -- Medical Record Number -- Department ( i.e., Trauma, General Surgery ) -- ICD 9-CM Procedure Codes -- Pathology of Condition The information collected by the collection agency clearly was a GROSS and TORTIOUS effort to disregard my privacy and clearly violates my XXXX rights as well as FCRA and FDCPA laws
Consumer complaint received 2015-05-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I was in chapter XXXX, XX/XX/XXXX through XX/XX/XXXX. Trustee paid {$14000.00} to heloc loan with Countrywide/Bank of America loan # XXXX, {$2000.00} was for interest. This entire amount has not posted to the account. They reported no payments for to the XXXX credit report " no payments '' for XX/XX/XXXX during chapter XXXX and for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The balance does not show the entire amount applied from the trustee.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I sent Equifax over a notarized fraud affidavit along with a police report stating I am the Victim of identity theft and requesting them to block information. They have stated that they must complete a XXXX day investigation. However ; this is IDENTITY THEFT it is clearly stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) that once a credit reporting agency is made aware of the identity theft they have XXXX days to block the information. I have made several calls to them and spoken to managers and they are stating they must do a XXXX day investigation. This is not a dispute it is IDENTITY THEFT. Please help me!!
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

There are currently 6 hard inquiries on my account from XX/XX/22, and only one of these was explicitly authorized. I am requesting that the following inquiries are disputed ad removed from my report. Details for these inquiries are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America continues to pursue Collections for a balance that was long ago reported as dispute : reason fraud. They are sending no reply emails to collect on account ending in XXXX, after first trying to Collect on account ending in XXXX ( not sure if that 's the exact lastXXXX because I shredded the card then was cut off from electronic statements. 

The reason for card re-issuance was the fraud on that number. After reporting that there should not be ANY balance on the card I was not using or receiving paper statements for, and receiving acknowledgement that this is clearly fraud, I suggested CLOSING the card for reason : Lost/Stolen and replacing it to prevent further fraud. 

The balance was verbally agreed to be in dispute, and I had to go to the Fidelity Service center to request they act on my behalf after nearly a week of not being able to get through to the department to be transferred to for fraud & disputes. XXXX made the call for me and was privy to the conversation. 

The vendor was changed because of their gross negligence, and the account was purchased as part of a collections portfolio, when it should have been a XXXX balance and off my credit report. In fact, the account was only reported delinquent AFTER I reported fraud, placed the balance in dispute and was reissued a new card. A week or more later I received a credit alert that I was delinquent. 

I am willing to email BoA and have in writing what is being communicated but they are only sending no-reply emails with demands to contact Collections, noting the time frame within which they require an item to be placed in dispute. I am not willing to place the item in dispute AGAIN and miss their imposed time frame. The balance continues to grow, along with my desire to expose their devious practices to every person on the face of the earth. 

This was supposed to be resolved a very long time ago, and was the result of not doing the most basic fraud detection and prevention that is the expected standard for a financial institution. I am not willing to get into their technicality trap of fine legal print because they are ignoring the original dispute. They should not be in the banking business to be perfectly honest. 

This is an addendum to complaint # XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (PA)

I have had issues with Spring Oaks in the past about reporting wrong information on my credit report in the past. The claim to have bought a debt from XXXX Bank that belongs to me but have re aged this debt to continue to ruin my credit for financial gain. XXXX is reporting that this account was closed by XXXX in XX/XX/XXXX. But Spring Oaks is saying this account was opened as new in XX/XX/XXXX. This is a flat out lie! 

Please have this account removed from my report for inaccurate reporting from both of them. 
Please see attached.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AMERICAN EXPRESS COMPANY (OK)

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. XXXX letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
AMERICAN EXPRESS XXXX/XXXX/2016
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (AZ)

Received Agreement for Modification, Re-Amortization, or Extension of a Mortgage on XXXX XXXX as we were previously approved. Details include : Returned signed/notarized documents XXXX XXXX Reduction payment made XXXX XXXX New XXXX payment to be effective XXXX XXXX XXXX XXXX I think RMS called but no message was left ; at the time I did not have RMS phone number in my contacts. The call was not answered as it wasnt recognized. 

XXXX XXXX Generic email from RMS received indicating to call re : my correspondence ( no addl info on what it was in reference to ). Called XXXX the same day but the RMS rep could not find any notes of why I was being contacted. Since RMS bought our mortgage from XXXX recently, we concluded it must have been an issue with payment not being received from our property insurer. I had no reason to believe there was any other issue. 

XXXX XX/XX/XXXX Called RMC as no change was seen with our payment amount. Spoke with XXXX in RMS customer service and she was able to tell me there was a mismatch on the dates of one of the forms & our recast request was closed because RMS couldnt reach us to resolve an issue. She said the package would likely need to be redone so I requested a new one be resent. 

XXXX XXXX No package/further correspondence was received so again called same number above & spoke with XXXX in CS. He said the Errors & Omissions document had different dates on the signing between my husband & me and that they needed to match. I again asked the package be redrawn & sent so we could move forward. He stated he would make the request & see if it could be expedited. 

XXXX XXXX Nothing received. I tried to call again but after over an hour wait for a call back, my call was disconnected. I utilized the online request and received an email back that someone would be in touch with me. 

XXXX XXXX No response was received so follow up was sent to XXXX XXXX who XXXX the original recast agreement last year asking for an updated agreement. No response as of XXXX XXXX. 

The recast/reamorizitation was approved in XX/XX/XXXX ; the delay in receiving a revised agreement is costing us $ XXXX ; to date were at almost {$1000.00} overpayment. If there was an incorrect date on our part it was our error. However, there has been no response to assist in correcting in 5 months. 

A cut/paste saying you will contact us is NOT resolution. Sending an updated agreement for recast/reamorizitation is what is needed so we can reexecute the agreement.
Consumer complaint received 2019-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

1. Voluntarily increased monthly payment by $ XXXXmonth. Requested to go back to original amount and Navient denied it. 

2. De-authorized bank that payments were being drafted from and Navient drafted the {$320.00} payment anyway. 

3. The Navient website states that you can stop automatic payments, but you can not. 

4. The amount of interest paid on the original principal is more than sufficient to cover the loan and therefor the loan should be forgiven.
Consumer complaint received 2016-08-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (GA)

CMRE is using a tacit to collect on a debt and states in my consumer report that I dispute the account, I do not dispute the account and have sent many letters stating. This is a tacit that requires the consumer to call and ask from them to remove and when I did, they said I would need to settle before they can remove it. I applied for a XXXX refi and was told due to the dispute the credit union could not move forward until it was removed.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

This is the second filing of complaint against USAA Federal Savings Bank. We received a response back from USAA today via CFPB and the response is riddled with lies and deceit. Wrong dates- absolute lies- writing in the response that I contacted USAA on the phone with my daughter on XX/XX/XXXX. Absolute lie. I have my phone documentation to prove in court this is a lie. The reason why this is important because it allows for USAA to change its narrative in how they mishandled my daughters account from that point on and before that. No, I did not call USAA with my daughter on XX/XX/XXXX like their response states. And no a FRAUD report was not generated until XX/XX/XXXX when I FIRST CALLED USAA about the suspicious activity. According to the representative ( well USAA calls it advisor XXXX XXXX she told me their were no notations on the account regarding the fraudulent activity and she then generated a crime report ( fraud report ) for the fraud transactions totaling more than {$1000.00}. And USAA writes that my husband confirmed with USAA that yes our daughter deposited the checks. Absolute LIE by USAA. My husband confirmed to me tonight he did not do any such thing. USAA in their response to us regarding the fraud transactions on my daughters account is full of contradiction and back pedaling. No way does it address the negligence that occurred in the disregard that USAA took in allowing for these transactions to go forward resulting in her negative balance in her youth spending account. Never in her whole conception within USAA and her youth spending account did her account ever go in the negatives nor did that much money even over {$200.00} ever move in her account EVER. Obviously USAA needs to look up the definition again what happens when someone is scammed. They should know since USAA itself is targeted by scammers and people posing as USAA reps. My daughter was scammed by an impersonator and someone who had access to her personal information which resulted in her youth spending account to be severely compromised- and USAA allowed for it to happen. We are still seeking our refund of {$990.00} to put our daughters bank account to the rightful place where it should be. USAA wants my XXXX XXXX XXXX XXXX  to file for bankruptcy and ruin her life all because she was a victim of a ruthless scam. They dont care. USAA needs to be held accountable for their blatant lies. OUR STORY HAS NEVER WAIVERED. We seek our refund in the form of {$990.00}. If we do not obtain this refund from USAA we are terminating are almost XXXX  year banking relationship with them and we are seeking legal counsel.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Specialized Loan Servicing Holdings LLC (CA)

Before my mortgage was acquired by Specialized, my mortgage was with XXXX Mortgage. While with XXXX, all payments were made on time through an electronic XXXX  funds transfer. 

During the beginning of 2023, I was advised that Specialized would assume servicing of my loan from XXXX. Unfortunately, the transition was not seamless. During the first month, both XXXX and Specialized attempted to draw funds from my bank account via XXXX. In fact, XXXX XXXX them first however, Specialized assumed I had missed a payment. As a result, I ceased XXXX payments and ordered monthly bill pay through a reputable national bank. Each month, sending my monthly payment with an email confirmation to Specialized team. Unfortunately, they have not recorded my payments and have imposed fees and penalties thus impacting my credit score. I have spent extended periods on hold, sent written correspondence without remedy. I am concerned the combination of fees, penalties and impact to my otherwise strong credit score is not only unethical, it is adversely impacting my financial health and ability to secure employment. Please assist by holding Specialized accountable!
Consumer complaint received 2016-05-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CO)

I have XXXX student loans through Navient, XXXX with co-signers and XXXX without. Due to medical /financial issues, I have fallen behind on making payments on the XXXX loans without co-signers. Navient has resorted to contacting my co-signers, in an attempt to get into contact with me, about the XXXX past due loans. This is an abuse of the information they have at their disposal and I want it to stop. Navient should only be contacting me directly and, if available, I will take their call or respond to their emails.
Consumer complaint received 2019-02-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Security National Automotive Acceptance (TX)

On XX/XX/XXXX I received a call from a debt collector at Security National Automotive Association Corporation to settle a debt. I came to a payment arrangement to pay a certain amount on the XX/XX/XXXX and to set up automatic payments using the same card for the XXXX and XXXX of ever month. I received email confirmation of such. No automatic payments were taken out since then and on XX/XX/XXXX they repossessed my car without notice. I have called and tried to express this error to them and I was referred to my account manager who either wasnt there or wouldnt pick up the phone. I was told that no one could help me with this issue besides my account manager who still has not called me back. I would like to settle this debt as Ive already missed a day of work. This is a stressful situation and Im very tired of waiting on them while my account accrues more and more fees by the day. I dont even know where my car is because I could not talk to anyone about this issue.
Consumer complaint received 2016-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

We have been contacted over and over for the past year by Navient student loans and they say our loan number is XXXX. These are loans we believe we paid under several other companies like XXXX. We have begged over and over for them to PROVE the loans and show us paperwork. They have not provided us that information but harrassed us enough that we are now paying the loan to Navient XXXX XXXX XXXX pa XXXX. We are asking for proof we owe this money as it is XXXX dollars and we just want proof. Can you help us? XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX. If they can not prove, can we get our money back??? The schools that might be involved are XXXX XXXX, XXXX University, XXXX XXXX University, XXXX XXXX University, California. I can not say which school these loans are associated with as they will not provide proof.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (KS)

There are too many violations to pinpoint one specific reason for this " complaint. '' This is not a complaint- This is a NOTICE. I mailed the attached documents to them XXXX  ( XX/XX/2023 ) Certified, Priority Mail, Return Receipt. As of right now, tracking shows it has arrived in XXXX, Washington and should be delivered either today or by XXXX tomorrow at the latest. CFPB- you know the laws. You enforce the laws. You have the power to impose fines. I believe that my request is quite minute- given the number of violations and amount of damages I've endured from this company. In the event that Convergent fails to comply ( hard to envision any accountability at this point ) I plead that you exercise the powers granted to you by congress. The cost and time it would require to go through the courts is not ideal for myself, I doubt that it would be for convergent. Convergent Outsourcing- this is a copy of the notice that you should be getting very very soonl
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX
Consumer complaint received 2020-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TX)

I have my Texas workforce unemployment funds deposited Usbank reliacard account. For over a month now they have blocked my account. They never informed this block was going to take place. I have called just about every day 3 times a day tryingvto get this resolved. They said i need to fax in my driver license. Tax return from 20190. And social security card. I have faxed and uploaded the ids. They have noted each time. They have received it and said its still inactive w no reason why they denied the access still. They said there was fraud on my account which in that case why didnt they reissue another debit card or replacement card or give me a chance to withdraw the funds or transfer into another bank account. They have refused to help me resolve this issue and at one point told me it doesnt matter
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (MN)

I had the " Equifax Credit Watch Silver with Credit Report Control ''. Product from Equifax. Now there was a feature in that product called " credit control lock '' which allows the customer to lock and unlock the credit report. I have never turned that feature on, but my credit report had the lock on it. it 's been couple months that I tried to get the lock removed and hours of phone calls with several department within equifax. No luck in getting it resolved. Still today my credit report is locked and when I apply for credit I get declined because its locked. 
I need them to please fix it.
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
Consumer complaint received 2020-06-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2017-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: AFNI INC. (WA)

This is a debt that doesnt belong to me I dispute this account on my credit back in 2015 and it was removed. Now its pops back up maybe a month ago so I dispute it again asking for proof of verification. I get an alert that the account has been removed again ok great. But no today I get an alert that this account is back on my credit but now the bill is more then double. This is not my account and they are lying to the credit company ' s which now is affecting my life. They are calling me from different phone numbers.
Consumer complaint received 2015-04-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (OH)

HMC, XXXX XXXX Attorney with HMC and XXXX XXXX XXXX from HMC XXXX treated me very unfailry, XXXX XXXX recorded our converstaion incorrectly with false statements leading up to them issuing a garnishment for my wages.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

Enhanced Recovery Corporation has reported a collection on my credit report for a bill for service that was never rendered by XXXX XXXX XXXX in the amount of {$590.00}. I was never contacted by this company to have the opportunity to dispute the validity of this debt prior to it being placed on my credit report, which is a clear violation of the FCRA. Also, this bill has been disputed and removed twice each time by the credit reporting agency.