davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MO)

This account was paid to the original debtor. Apparently this company purchased the debt and continues to try to collect on it. We have disputed through all three credit agencies and now the company refuses to remove the dispute comments. This was handled by our attorney and was dismissed by the judge. Please see court case information below. The company could not provided validation of the debt in court and it was agreed to be dismissed. 
XXXX - LVNV FUNDING LLC V XXXX XXXX ( E-CASE ) XXXX/XXXX/2013 Dismissed by Parties PLAINTIFF 'S ATTY FILES DISMISSAL WITHOUT PREJUDICE AT PLAINTIFF 'S COSTS. CASE DISMISSED -- -COURT DATE CANCELLED. /NB Filed By : XXXX XXXX XXXX XXXX Behalf Of : LVNV FUNDING LLC
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Patenaude & Felix A Professional Corporation (CA)

I owe XXXX in the amount of {$4800.00}, Id tried settling my account in 2021 because Im suffering from XXXX XXXX XXXX XXXX XXXX unfortunately XXXX refuses to Settle my account. Eventually I had forgotten about it.XXXX forwarded my account to a collection agency without sending a notice first of their intentions. The collections agency sent a letter to my neighbor address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX with my name on it, my correct address is XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX. The collections agency is in a violation of privacy act. This had cause me tremendous XXXX XXXX because
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Municipal Collections of America Inc. (IL)

I was contacted by MCOA and was notified that I have a debt for XXXXXXXX for XXXX XXXX XXXX XXXX ticket. I informed rep that I have not received written notice from XXXX XXXX PD or MCOA stating this debt and until I do, I will disregard any debt collection attempts by phone. I called XXXX XXXX PD and requested original citation be sent to my address. This was done and received on XXXX XXXX, 2015. I have yet to receive validation of collection for MCOA attempting to collect a debt. This information has been reported and is now on my credit report. I do not have an issue paying the original balance. However, I find it odd that a collection agency finds it appropriate that they can collect funds over the phone without validation of debt in writing to the consumer. I still occasionally receive calls, however, I will not be responding until I receive a written validation of debt.
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I checked my credit report and i see alot of inquiry on my report i have no knowlege of at all i am a victim of idenity theft and it is noted on my credit credit and they are suppose to call before running my credit to make sure it is me and that has not happened Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Was Contacted by  XXXX   XXXX   XXXX   XXXX  that Equifax has me listed as deceased and i must correct that before they would consider a Car Loan.     Submitted a dispute to Equifax on  XXXX / XXXX / 17  to correct the information. As of today information has not been corrected, and still unable to apply for  a Auto Loan.      Checked today  XXXX / XXXX / 17  list my dispute as expired. Dispute # is  XXXX .     Tried submission of anothe  r Claim today, was unable.
Paid {$7.00} for a credit score, than it stated it could n't provide me with a score. But am able to get a Credit Summary, not a score.
Consumer complaint received 2016-01-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I contacted my bank in order to stop the first time of a recurring month to month payment using my debit card, under FDIC Consumer regulations the bank is to allow me to do this if I contact them 3 business days before my payment is to go out. If I have contacted the other party, which I had I am able to according to this website https : XXXX stop my payment under the Stopping an automatic, recurring payment : section. Am allowed to stop the payment in such cases so that my account will not go negative, I may be liable for the payment at a later time, but I am certainly allowed to stop it at no charges to me. But my bank demanded they treat it as a stop check payment, incorrect banking regulations and then proceeded to demand I pay them {$30.00} to stop a {$7.00} payment I could not cover forcing me to accept improper banking regulations or to take a payment I could not handle that I was trying to stop using my RIGHTS. They do not know the proper regulations themselves, even the supervisor at the call center for bank of america treated me terribly and refused to help me and literally said yes to my quote of " bank of america is denying me a service they should give me, refused to acknowledge their mistakes now, and are forcing these fees upon me when I attempted to execute my rights to stop them, you guys are XXXX me over, literally handing me a XXXX then another one and saying go XXXX '' She literally agreed, said yes these are our policies and this is how we treat our customers. Now I realize profanity was not needed but I was angry and these people obviously had no intention of helping me even if this is the result of their incompetence and neglect. They hide behind a " computer system does not allow us to change what has already been set in motion '' tactic. I called the local branch for bank of america, and I asked if they would help me based on what had happened with customer service on their XXXX number. An apologetic but unable to help account associate got her manager who was the one i spoke to about coming in. She could see what happened in the account, she just refused to do anything about her company the one she works for ignoring banking regulations and she herself didnt even know that stopping a check and stopping a reccuring debit transaction are nowhere near the same thing. She agreed that their regulations were to ignore proper FDIC regulations, force me to take penalties so they could add penalties on to my account. I angrily took my debit bank card and Id from the desk they had them on and she threatened to call the police on me because I was angry that they were so blatantly and fradulently trying to cheapskate me out of pausing a $ XXXX month to month payment so that my account would not go red. Once again clearly outline in the FDIC consumer site under the Stopping an automatic, recurring payment : located HERE : https : XXXX
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I have a credit card with Bank of America. I could n't figure out how I always had a balance carried forward even though I always paid the " current balance '' in full before the due date. 
Then I realized : the bank has set my payment due date BEFORE the end of the finance period, so that unless I do n't use the card, some charges will be posted after I make my timely payment. 
Example : my B of A payment is due on XXXX XXXX. I pay the full balance on XXXX XXXX so as not to be late. In XXXX, I find a 'beginning balance '' amount, on which interest has been charged, for transactions on the XXXX, XXXX, and XXXX of XXXX. They are listed as having been retroactively due with the XXXX payment. 
Is this not dishonest? Sneaky? Possibly Fraudulent??? How many billions do these guys collect in interest from people who think they are paying in full every month?
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, and 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 Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX I have been disputing these charges/reports via XXXX XXXX since XXXX.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing requesting that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies. 
Instead of sending a separate letter for each, I am just listing the accounts below. Some of these, I saw are going on my credit report. I hereby request that you stop putting them on my reports. If you insist on doing so, please tell whoever uses my credit that I do not agree with the charges. 
For some of these, I have called to say that I couldnt owe as much as it says, but I dont know how to reach each one by phone. Some I have never gotten any letters for, so I dont even know how valid they are.

I know that it is illegal to put things on a credit report that shouldnt be there. So please, I request that you tell my credit reports that I do not agree. 
Please remove all items from my credit report which are not belong to me.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

I made a {$450.00} payment to Synchrony Bank on XXXX for the XXXX payment. The closing date for the previous month was XXXX. They credited my payment to the previous month and want an additional {$240.00}, as if I didn't make my XXXX payment. They will not cooperate with me via phone. I have had this trouble previously with the same company on a different account.
Consumer complaint received 2016-08-15
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: WESTERN UNION COMPANY, THE (GA)

The post office destroyed my money order, making it undeliverable to pay my bill, and sent me a letter of apology, but will not compensate me for something caused by their negligence. It also made my bill late. I obtained the initial money order at XXXX and was told I would have to add an additional fee to resend the money order. This is unacceptable! I am XXXX and on a very limited income. Please help!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CT)

All of my federal loans were through XXXX and they were all forgiven last summer via PSLF. However, they all still show up on my credit report with the balance from before the loan forgiveness was processed. Mohela and student aid.gov both show a {$0.00} balance, but this was not reported to the credit bureaus and so it is not reflected on my credit report. My credit reports think I have much higher debt as a result.
Consumer complaint received 2015-10-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I submitted payment plan and payments to my Mortgage company and also spoke to a representative stating what I was doing to bring the loan current and the payment were not put towards the loan and now my home is in foreclosure. The representative did not inform me that my home was in foreclosure. I am requesting the notes that were inputed on my account to prove that I spoke to and was assured that the payments were made.
Consumer complaint received 2015-07-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America had an event for Home owners in trouble with their Mortgage.I drove XXXX hrs to attend the event.My wife went from unemployment to part time to full time on her job.I am an Veteran on XXXX XXXX. The first agent we had was XXXX XXXX we explain to him we wanted to apply to the unemployment fund.We kept sending the paper work that she was receiving benefits.The Bank said we was not sending the right paper work, That was the only paper work we had.We went to my wife` retirement plan to with draw XXXX payments to catch up on the mortgage payments. Now instead of helping us we went back into the Bank` pool. case closed.We receive a {$5000.00} XXXX Bill from water and power.I went to the event where we receive XXXX XXXX for our agent we sent in all paper work that was asked for.The help we receive was visits from people from the Bank looking at our home.Our neighbor making sure we receive the letter from from Bank of America than calling someone.Someone in this neighbor works with Bank of America and is watching our Mortgage payments.We have reach out to home save California where they found a Tax Lien now payments are being made for XXXX a month. that we are making so we are waiting for them to help us.What I don`t understand is why the only help XXXX XXXX says we can receive is a Short Sale on our home.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On the afternoon of XX/XX/2021, I was informed that Coinbase support has temporarily disabled my account because I may have been a victim of a possible scam. This was quite odd that this happened on the day after I submitted a trade on XX/XX/2021, to buy {$3000.00} cryptocurrencies. I replied later in the day that I did all the necessary precautions like antivirus scan and reset my password. I replied and several times later to restore my access to my account. I even filed a complaint with Coinbase support on XX/XX/2021, that they have not replied and still no action from them. Support did ask me to tried login in few times but still said disabled. They reply that an account specialist will reply with 4 to 5 business days. It has been a month and not action from them
Consumer complaint received 2017-01-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Over the last year in XXXX & several times in XXXX I have contacted my bank about a paid loan that they keep billing me annual fees for account that was closed in XXXX soon as the account was paid off. Each time that I speak with a customer service agent, they either do n't see the form filed with the correct department or the correct form was not submitted by the previous agent. Since XXXX I have been receiving statements about this same account and I have called each time that I have received one. Now they are charging a late fee, plus threatening to send this to a collection agency for an amount that I do not owe Regions Bank.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (NE)

Discover XXXX pay Cash back PromotionThey changed the Terms and conditions of Cash back Promo1. The terms of the promotion2. How the gift card exclusion was added several days later3. Discover is now blanket rejecting purchases above a certain amount4. Discover is requiring customers to retain receipts5. Discover does not have the requirement to keep receipts in the XXXX. This is a blatant attack on consumer privacy7. The burden of proof is shifted to the consumer, instead of the credit card company8. If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover. 
if they want to exclude gift card purchases, they need to be able to do it automatically and accurately. The burden of proof does not fall on the consumer and we do not need to keep receipts. 
If they are unable to do this, then they should honor all XXXX Pay purchases with the bonus 10 %.
Consumer complaint received 2022-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

On XX/XX/XXXX, I called PNC regarding my mortgage account. I called to inquire about PNC attempting to pull a mortgage payment from my financial institution. I inquired with a PNC staff member how many times they would attempt to pull the payment from my account to determine if I needed to make a payment over the phone or just wait until PNC completed the transaction. The staff member indicated that they did not know how many times it would be pulled. He encouraged me to wait to see if they would attempt another time. I express concerns that fees would be charged on my account and that I would be reported late. The staff member indicated that I would not be reported late until 30 days and said that no fees would be assessed on the account because I am in California. I expressed concern that he was not able to answer my question and asked that he consult with a supervisor/manager to find out. After a period of being placed on hold, he returned to the call and indicted that he was not able to get the answer. Essentially, I was supposed to make a decision on misleading and incomplete information. Upon further research, I learned that if I had not made the payment on XX/XX/XXXX PNC would have charged me a late fee. This concerns me because the PNC agent was encouraging me to wait to see what happens and to wait another day. This would have allowed PNC to charge me a fee. I advised that I was concerned with the lack of information and training he was provided. I made a payment over the phone on XX/XX/XXXX and filed a complaint with the staff member case number XXXX. 
Since the incident mentioned above, I received a notice that a {$25.00} fee was assessed on my account due to a Non-Sufficient Funds on XX/XX/XXXX. This is the first time anyone from PNC has mentioned a fee was assessed on the account. I have concerns over the lack of training staff receive, adequate information PNC provides consumers and deceptive practices in mortgage servicing. PNC staff encouraged me to wait to see if the payment would go through which would cause a late fee. They were not able to provide pivotal information and failed to disclosed fees would still be assessed. PNC recently became my mortgage servicer ; I am concerns that they have predatory practices to collect fees from consumers to increase their profits. 
I am filling this complaint in the CFPB system because I have made several attempts to work this out with PNC. I have not received a response to the complaint filed directly with PNC on XX/XX/XXXX. In addition, I emailed XXXX XXXX from the Officer, Executive Client Relations as requested on XX/XX/XXXX and no response. I would like to receive an answer to my initial questions, understanding of the training gap, transaction history on my account, and fees waived.
Consumer complaint received 2016-04-27
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I was tricked into being hired by this work from home company. They called themselves XXXX. The contact I dealt with was named XXXX XXXX, which is probably a fake name. They he told me they would pay for the expenses for me to start. A couple days later i received a check. I deposited the check which was addressed from another company ( XXXX, and XXXX ), and under instructions by my contact with this fake company I withdrew about XXXX dollars and transferred it to this other person. This is a scheme and they took advantage of someone who needed a job. I want to know if i can retrieve this money back to pay back then bank when the check does not clear.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer