davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (VA)

I received a notification that I owed a balance for XXXX from a collection agency, Enhanced Recovery Company , LLC. I called and paid the amount requested and asked the representative if this would be reported to my credit report. She stated NO because I paid it within 30 days. A few days later, the collection appeared on my credit report for all XXXX major reporting agencies. I called the agency again and spoke with a supervisor that told me the collection would be removed from my credit report. After another month, it was still reporting and I called the agency again. This time the supervisor I spoke with said they would need to listen to the previous calls and if I was told that it would not appear and be removed, they would take it off. He also promised to call back within XXXX hours which did not occur. This collection is still reporting on my credit file after being told XXXX times that it would not be added and would be removed. This collection needs to be removed from all XXXX major credit bureaus as promised by this company.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

This is a   XXXX   complaint regarding  Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX .  XXXX  complaint was regarding the doubling of taxes/insurance in escrow. In that complaint I determined they owed me {$1400.00}. They sent a check to me for {$1200.00} which was {$240.00} short of what they owed back. This was for over payment on mortgage due to the duplication of taxes/insurance they were escrowing for the year. I then received a letter from them dated  XXXX   XXXX  that stated the monthly payment stated on the  XXXX  statement  XXXX  {$1400.00}  XXXX  is the correct monthly payment amount. They then closed the complaint without confirming with me this was resolved. I place phone calls back to them but never was able to speak to the correct person or someone that could address the complaint that has not been resolved. At this point, I was going to live with the fact they shorted me the {$240.00} in what they owed me just to be done with dealing with their ineptness and my busy work schedule prohibits the time to spend an hours on the phone trying to get the right person who could fix. This took  XXXX   XXXX  months to what I thought resolved the issue even though it was not completely resolved. I then get a new statement for  XXXX  monthly payment that says amount due is {$2900.00} and regular monthly payment that again states it is {$1400.00}. This is right back where we started with the first complaint!!! I paid the normal {$1100.00} for  XXXX  that I have been paying all along. My  XXXX  statement comes and it says my regular monthly is {$1200.00} and that I am passed due and owe a total of {$1500.00}! I called and spoke on the phone to a representative on  XXXX   XXXX  around  XXXX  pm after calls the past  XXXX  days during my work hours. Again after many minutes of waiting and voice prompts I speak to a representative who tells me that there needs to be some " buffer '' hold to pay for taxes/insurance of around {$500.00}. I told them you guys just sent me a check back ( {$1200.00}  XXXX  so why did you do this if you needed to " hold '' money? They representative just repeated her claim of the amount owed and I told her I would be sending the regular monthly of {$1100.00} and that I will be filing a   XXXX   complaint regarding their inept loan processing/payment procedures and the harassing phone calls. It is nearly impossible to figure out what is owed each month because of the changing statements. I will make the {$1100.00} a month payments until this issue is resolved to my satisfaction.
Consumer complaint received 2015-07-08
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (GA)

I purchased XXXX XXXX gift cards of $ XXXX/each, totaling {$16000.00} for various business purposes earlier this year. Unfortunately through either a data breach or a card sequencing scam many of these card numbers were stolen and there was fraudulent activity on the cards. I am still out {$2000.00} in card value ( at XXXX point was {$4000.00} XXXX from the related fraud and the U.S. bank group, nor the group service the fraud complaints are resolving these issues in a timely fashion. I have provided them with all the requested data, and I think it is clear that this was all caused by an issue on their end and is not my responsiblity to resolve.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2020 I filed a complaint with the CRA XXXX  XXXX   and Equifax. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law
Consumer complaint received 2024-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

When I opened both my bank account and savings account I immediately opted out of a overdraft protections Services listed and acknowledged, fully aware and assuming that any debit card or otherwise transactions that the funds were not available in the checking account would be automatically declined accordingly. When I chose to open a savings account it was under the assumption I was opening a separate account in which I could place funds I needed set aside for specific purposes to be used at specific times in which I would use them and not worry about the set aside funds disappearing at random to cover anything else but what they were set aside to be used for right. Isn't that the soul function of a savings account to save funds not use it just a filler 2nd account to be drawn on drafted at will automatically without your consent or knowledge, because if not why not just leave the funds all together in your bank account. That said I had XXXX XXXX  set in my savings account to which was specifically set aside for specific purposes and only for that purpose, I moved it to my savings so it would be used for any other reason or before I was ready to use it. When I logged into my account I noticed my savings account was over half gone, and I definitely hadn't personally made transfers from it nor authorized it was notified transfers had been completed further more. I contacted customer service who stated it was NSF feature service available to all accounts which I stated no I opted out period and followed up with In person and phone agents previously to confirm such was the case on my accounts, never once was I told them that there was an automated service I had to personal separately opt if using a form to request it to stop automatically transfers from savings to cover checking debit transactions funds aren't available to cover. Which I believe defeats the entire purpose altogether and was never told this and never would have agreed to it. I also made Claims complaints requesting Unauthorized transfers from my savings account as I had absolutely not authorized nor had I been given notice of the transfers or consented to the transfers either and wanted all transactions I had not personally completed myself reversed accordingly. My request was not processed agent disconnected the call without finishing the claims processing as requested.
Consumer complaint received 2016-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (KS)

erc of florida has been trying to collect a debt that is not mine for over two years now, it has been put on my credit report three times, proven wrong, couple months pass, then put it back up, without once sending me mail about it or calling me, i have tried to get them to verify this account they can not, i told them this sounds illegal and downright wrong they sell it, buy it back fraud on there part
Consumer complaint received 2015-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

XXXX has hired SW credit systems after a debit that was already contested by myself last XX/XX/XXXX. XXXX nor the previous debit collector ever sent proof of debit or notification that any amount was standing. 

I have included the previous complaint number for this very same debit. XXXX

XXXX and SW credit systems are in violation of the fdcpa.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I received a copy of my credit report and noticed that Equifax was reporting  XXXX  tax liens. I then sent dispute letters to Equifax to get verification of these tax liens that are showing on my credit report. I received letters back from Equifax stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA,  sec 611 ( a ) ( 6 ) and ( 7 ) I have the  right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information
Consumer complaint received 2016-02-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (NJ)

First, I want to state the the choices you have for description of issue does not really give my exact issue. The issue that I have is that the collection agency never tried to contact me about a bill and instead just marked my credit report as up for collection and delinquent. I found out about this collection by reviewing my credit report. 

Syndicated Office Systems never contacted me about this bill and instead just put it in my credit records that I am up for collection and delinquent, in my credit report I found out about this debt through my FICO score going down and my contacting XXXX. Upon further investigation on my part, I have found that this is a fraudulent bill. Syndicated Office Systems ( the collection agency ) should have contacted me before putting this up for collection and marking my credit as negative. No effort was made on their part what so ever. Through my own investigation, I have found that this bill is for someone else, different name, in another state. I now need to file police reports, contact via certified mail all the credit agencies and take the time off from work to complete all these tasks. Not to mention the money lost from work, but also lost from certified mail postage costs, etc. I feel it is unethical that this collection agency never even attempted to contact me. Now I need to clear up my credit because of Syndicated Office Systems not even putting a ounce of effort into notify me of any bill and giving me the opportunity to get this cleared up before it has gone this far.
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

CFPB Complaint Number : XXXX Bank of America failed to remove the incorrect info from XXXX. 
They did delete the info from XXXX 
BOA inaction has halted a transaction with XXXX XXXX XXXX, XXXX, WI. 
BOA rep promised a letter from XXXX by XXXX XXXX, 2016, to clear account. 
No letter has arrived. 
Desired resolution : BOA will promptly clear incorrect Equifax report.
Consumer complaint received 2015-10-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Avadyne Health Holdings, Inc (IL)

I have some outstanding past due medical bills that have gone to a collections agency. I have an answering machine on my land line phone. I have a generic outgoing message on the machine that states no one is able to answer the call and does not mention any names. Today, I found a message on the machine that claimed to be from the collections agency. The incoming message stated that it was for me, by name, and that anyone else should immediately hang up. The message then went on to explain the nature of the call was to collect a debt and gave the name of the agent and that of the agency and their telephone number. I have a girlfriend that spends several days at my house at a time and the answering machine is in the living room, where she can hear both the outgoing message and the incoming messages. 

The message is saved on the answering machine, with no direct way to save it as a computer audio file. I may be able to play it back and capture the speaker output to a voice recorder that generates XXXX files that can then be copied to my computer.
Consumer complaint received 2015-06-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I requested the Bank of America to close my account as I am living these days in XXXX for the past 4 years. I used to get my XXXX benefits directly from XXXX, but due to this bank charging a fee and several ATM charges abroad in XXXX by the XXXX banks which will only dispense XXXX or nearly {$150.00} per transaction, I decided to close the account but the Bank though initially agreed to waive the fee for XXXX XXXX their bank statement dated XXXX, continued to start again charge me the very next day {$12.00} and refused to refund the money. In the meantime another small pension from XXXX in the sum of {$37.00} was credited to my above bank account, but the Bank of America will neither wire transfer the balance which is less than $ XXXX or send a cheque to my address abroad in XXXX. The customer care reps. have a nasty attitude and was adopting a dog in the manger policy. I want my money back and close the account. My discussions with them was quite unsatisfactory.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (MS)

These people called several times and when I finally returned the call they called themselves Receivable Performance Management ... when I asked about why they called they asked if I was XXXX XXXX ... they then asked to verify my personal info like address and social security number ... I refused to provide them with it ... they then put me on hold for an extended time ... I owe no one and am up to date on all my legitimate credit accounts and have done no business with anyone in years and years outside the current accounts I have ... I want these people to identify what they want and contact me via mail only ... then leave me XXXX alone ...
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited all the money I have in the world into a Wells Fargo ATM on Wednesday XX/XX/XXXX, around XXXX XXXX, with whom I have a checking account. The machine jammed, took all my money ( {$1700.00} ), and, once I submitted a claim, told me it would take 1-10 business days to resolve the " dispute. '' I explained that I am away from home, on vacation, renting hotel rooms, and driving a rental car. I am at risk of ending up on the streets, XXXX, if they don't resolve this by the end of today ( XXXX  XX/XX/XXXX ). 

I have a doctor 's appointment today I can not now make. I am out of all my prescriptions, which I can not refill. I am suffering an emergency health crisis, having recently been released from a XXXX, where I stayed for a month due to XXXX XXXXXXXX XXXX. 

Wells Fargo has taken everything from me, and does not seem to care that I am going through XXXX because of them. 

If something bad were to happen to me while I wait for them to give me my money, Wells Fargo would be liable. 

I hope it doesn't come to that.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America processed a predatory loan modification on my arm loan in XXXX ( which was originated in XXXX ). 
In the modification they tack on {$27000.00} for late fees and back payment, and also 18 more years to the back end of the loan. 
No one ever spoke to me about the ramifications of what this modification was doing to the length of the original loan. Everything was done by fax. 
I was under does because my husband had died and I was on XXXX and I did n't want to be homeless. 

Then they SOLD my loan off to BURY what they had done. For future audit purposes. 

In XXXX, they SOLD my loan off to XXXX ( now XXXX ) who now informs me that it is over a 50 years on the loan. 

This was supposed to be a loan to help me not lose my home and not go homeless. What they did and processed is unethical and predatory business practice. 

I 'm writing to you for help and direction in correcting the wrong that has been done. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

The Accounts and Amounts have been dismissed in XXXX County Superior Court ( Ga. ) on XXXX/XXXX/2015. I have documentation stating that fact, and it is available at XXXX Superior XXXXXXXX XXXX XXXX, Ga.XXXX
Consumer complaint received 2022-09-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). 

ACCOUNTS XXXX XXXX XXXX XXXX inaccurate XXXX XXXX XXXX  XXXX inaccurate XXXX XXXX XXXXXXXX XXXX inaccurate XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF EDU XXXX inaccurate XXXX XXXX XXXX never late XXXX XXXX XXXXXXXX XXXX {$420.00} not mine XXXX XXXXXXXX XXXX {$420.00} not mine XXXX XXXXXXXX {$870.00} not mine
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (KY)

The Complaint is against LVNV for account XXXX I have been demanding sufficient proof from this company claiming I owe this debt. I have constantly been ignored and have requested the CRAs to delete this item. 
1. LVNV did not respond in the appropriate time frame of ( 30 ) days as required by law 2. LVNV did not supply sufficient proof that I owe this debt 3. LVNV updated and verified this account with XXXX  after I disputed and demanded proof. 
4. I have reached out to XXXX to delete and have no luck I have sent LVNV multiple letters demanding them to delete this account. 
This has caused severe harm to my consumer profile, my personal life and business life. I have not been able to advance because I am being held XXXX from this company 's reporting false account on my consumer profile. I ask that the CFPB help me litigate this company for violating my rights. Please help me Delete this account.
Consumer complaint received 2016-12-10
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NY)

I obtain a car rental in XXXX XXXX from XXXX. I pay for the rental via my Chase credit card. The transaction was processed in US dollars instead of XXXX using XXXX XXXX XXXX. This was done without my approval or knowledge. I did not sign anything authorizing the merchant 's made up inflated exchange rate. I wanted the transaction converted via the XXXX network, as specified in my cardmember agreement with Chase, and I was n't given the change to express my choice. I disputed the charge with Chase, and I 'm being told that because the transaction occured by chip, and not swipe, my signature is not required to uphold the charge. The merchant violated XXXX International rules and Chase refuses to process a chargeback to the merchant.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

A letter was sent XX/XX/2022 to GM Financial informing them they are furnishing inaccurate an incorrect information to the consumer reporting agencies and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information have damaged my livelihood. 

The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting this account as a debt is inaccurate.
Consumer complaint received 2022-09-06
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. (NJ)

On XX/XX/XXXX I received a letter from Transunion stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. 

I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. 

I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. 

I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.