davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (NY)

I filed Bankruptcy XX/XX/XXXX and did not include in mybankruptcy filing my security interest in XXXX XXXX XXXX AL XXXX as I was not the debtor on this loan. Irecently received notices from Regions Bank that they wereseeking an automatic stay and co-debtor stay on XX/XX/XXXX. Motion was granted and I was ordered to pay attorney feefees in the amount of {$420.00}. I am asking the CFPB tointercede in this request for fees due to the following:1. I was never a co-debtor. I did not sign the promissory note. 
The note was signed by XXXX XXXX XXXX in her name alone. Iam not responsible for this debt and any fees arising fromactions on this debt, the debtor is responsible. 
2. I did sign the mortgage along with my brothers accordingto the requirements of Regulation Z acknowledging myinterest in the security and my right of rescission. 
3. Since I did not sign the promissory note, only XXXX is responsible for all debts arising from thelegal actions pertaining to this loan 's default and Regionsshould pursue her not me for any default/attorney feeson this loan. 
4. I have not assumed or refinanced this loan in my name
Consumer complaint received 2024-02-22
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. (AL)

in accordance with the fair credit reporting act this creditor ( XXXX, equifax and XXXX  ) has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AFNI INC. (FL)

AFNI is a collection agency attempting to collect a bill from XXXX XXXX. I submitted a letter under the fair debt collection practices act, Public Law 95-109, Section 805 ( c ), requesting to stop communications and to remove any derogatory information in my credit report. They have refused to remove derogatory information from my credit report.
Consumer complaint received 2015-08-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Consulting Services, Inc. (CA)

Credit Consulting Services has continued to attempt to collect amounts that are no longer on my credit report. They are showing that I owe a judgement from XXXX/XXXX/07. This no longer appears on my credit report either. How long can a debt collector continue to collect on old debt? I have been threaten, sued and harassed by them for over 10 years. What rights do I have to fight against them?
Consumer complaint received 2015-10-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: American Credit Resolution, Incorporated (SC)

American Credit Resolutions called my job several times today XXXX/XXXX/2015. I do n't know who they are representing and my Boss told them not to call this company again because it 's not work-related and its against company policy. They refuse to comply and they have n't contacted me by mail or personal phone. So I have no idea what this about but it is harassing and embarrassing.
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or about XX/XX/2022, while I was washing some video on XXXX. I receive a popup to sigh in to a free mentoring service on how to make thousand of dollars weekly through a XXXX and XXXX XXXX XXXX opportunity. After clicking to view the presentation the requested to give my personal information to see if I qualify. I did provided my information and the following day I receive numerous call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. His address XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. He was trying vary hard to get me to invest {$30000.00} but I told him that I want to begin with the {$10000.00} program. on XX/XX/2022 he insisted to go to the bank and send the money via wire transfer. On XX/XX/2022 I did wire the amount of {$7000.00}. But he was not happy because he need the rest of the money to complete my application. Therefore, on XX/XX/2022 i send to XXXX XXXX  XXXX XXXX the amount of {$3500.00}. Via ACH. Once they received the money they keep sending me email requesting more money XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ; made millions of dollars in commissions by enticing thousands of people to pay as much as {$30000.00} for mentoring services, using false claims and misleading testimonials about how much money they could make. They advertised on social media, XXXX, online news sites, and at live events, specifically targeting older consumers. These so-called affiliates helped XXXX  XXXX XXXX XXXX. swindle consumers out of millions of dollars by making outlandish and false earnings claims. 
I asked Bank of America for help and I was told that they can't help me. That I should be more careful who I send money to.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Reporting incorrect personal information : Reporting multiple incorrect addresses on my credit report : The only addresses that should appear on my credit report are the following, all other addresses are incorrect and create a compromise in my report security.. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I only have one name and the credit bureaus are reporting several. The following is my exact name as it should appear on my credit report, all others compromise the security of my credit report : XXXX XXXX XXXX My credit report is showing associated with someone name XXXX XXXX and this should not be the case. My Spouse 's name is XXXX XXXX.
Consumer complaint received 2023-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AR)

I am in the PSLF program with XXXX eligible payments and XXXX qualify. Most of my payments are associated with my time working at XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas ( XXXX payments ). I no longer work there and they are not easy to deal with as far as getting my employment certification signed by them. So its unsigned all this time. 

When I initially got into the PSLF program in XXXX 2022 I consolidated and was set up with XXXX. They told me tax transcripts I submitted for my time with XXXX XXXX XXXX would be proof of employment. When my loans were transferred to Mohela in XX/XX/2022, I spoke with service reps by phone and email messages more than once in XXXX and XXXX and they never said my tax transcripts wouldn't be usable. In XXXX, through chat, when I contacted they did not say so then either. In XXXX, by phone, they told me I needed w2 's AND check stubs for all the years I worked at XXXX. They said since the IRS masks the full tax ID and XXXX XXXX XXXX XXXX on the transcripts they couldn't trust that. I don't have the pay stubs or access to that many. I requested W2 'S from SSA in XXXX and told Mohela this. By this time my 90 business day processing was winding down. In XXXX they told me Department of Education was verifying my employment with XXXX and that wouldn't take long. In XXXX, they say through an email I initiated that they don't know what I'm talking about and can't tell me anything. They said I need W2 's OR pay stubs I need real answers because it seems like my PSLF is being held up and I'm getting the runaround. I am still waiting on w2 's from SSA. If my request sent from them doesn't produce all the W2 'S and I can't find anyone reasonable enough to sign a employment certification form at XXXX, I won't get my loans forgiven. I have all the tax transcripts.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (WI)

Hello, I am currently in bankruptcy a repayment plan, resurgent capital services has one of my debts which is a motorcycle loan. My attorney gave them permission to speak with me regarding the payoff on this loan to get the lien release for title. I made payment arrangements for the balance. So I sent them a check for half the amount and I called them 8 days 9 and 10 days later and they said they never received it. So I then made the payment in full with my debit card and told the lady handling my account to not cash the check as I was cancelling it. Not even a day after I paid the balance they cashed the check resulting in a overpayment and my account to be overdrawn. They are telling me they can not refund my money!? Please help
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (NC)

XXXX XXXX XXXX. Email them from there website to stop call me at XXXX for a collection that my husband owns them XXXX. I told them on Monday, XX/XX/, that I would pay it on Friday,XX/XX/XXXX. and of course, they contacted me again. the day was not over for them to call me again. I Personally feel that I was being harassed by the company because my husband owning them money.
Consumer complaint received 2016-11-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: A & E Futures LLC (MO)

The original bill was XXXX dollars which was paid at the office once I received my treatment ... .it 's their policy prior to being treated is to pay prior to Service ... .however the company sent me a XXXX dollar Service Bill ... knowing I paid at the office, I disputed the Bill ... .and the company continued senting bill and started adding finance charges, whereas over XXXX dollars in finance charges were added
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

i noticed i have XXXX hard inquires my report i did not apply for XXXX, XXXX.XXXX how doi get them off.i am trying to raise my score and i have read these are not good i am a new member and i thank you so much for all this information '' i would not even know about these inquires!!!!
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

After denying access to my account and credit report immediately following filing of the CFPB complaint on XX/XX/22, EQUIFAX is NOW REFUSING to permit upload of legal DOCUMENTATION pursuant to TILA VIOLATIONS on the account with specific XXXX XXXX XXXX XXXX. EQUIFAX IS DENYING ACCESS TO UPLOAD RELEVANT TILA and LEGAL DOCUMENTATION FOR ACCOUNT ( S ) UNDER TILA VIOLATIONS AND ADMINISTRATIVE REMEDY.
Consumer complaint received 2021-09-01
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. (CA)

I am XXXX XXXX and i am submitting this complaint myself and there is no 3rd party involved. I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report I will list the items below.
Consumer complaint received 2022-02-09
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. (GA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

send {$200.00} by money gram, from XX/XX/XXXX and they told me that it would be available in 10 minutes after doing it. It's been 3 days and when I call them they tell me that they have to talk to whoever revives the money, then he calls and they say no, it's me who has to call. Later they tell me that my transaction is already under investigation and that it will be solved in a maximum of 24 hours. Those hours have passed and they tell me that it can take as long as it takes. that I can only wait. They said that I can't talk to a boss because there is no other number where I can put my claim
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

I have sent the information for an escrow analysis to be done on my mortgage account since XXXX XXXX. 2016 and have yet to receive a reply. But every two months my escrow continues to go up. I asked to speak to a supervisor and still have yet to receive a return phone call or any answer. I have gotten approved for a homestead exemption for {$20000.00} less than last year from XXXX County Tax Appraiser office and my home owner 's insurance has not increased.
Consumer complaint received 2022-02-09
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. (LA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2017-02-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST (AR)

my car was financed with bank of the west and i totaled my car but i took out gap insurance with the purchase with XXXX., but they want a payment history and bank of the west stated that they would fax to them so that the balance of the loan could be paid off but instead they are sending me a payment history which i already have from the checks that i sent bank of the west they are just trying to delay the process of get the loan paid off.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2016-10-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc. (FL)

Medical Bill was already paid by XXXX to XXXX XXXX on XXXX 2016, but CIB still shows a balance of {$680.00} dollars, this account needs to be in a XXXX balance. 

CIB account # XXXX
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (FL)

I have blocked this number and continue to receive voice mail messages three times a week. This has been going of for a long time now. I tried to called the number back once but you go into a loop and no one answers. 
The message left is as follows : Hi this is XXXX XXXX calling from credit management company please contact me or any of our representatives at XXXX Then it repeats itself again and the message is 36 seconds long. 
I have no idea why they are calling me as I do not have any debt owed. 
This appears to be a scam or a phishing expedition. 
Please make them stop as I have to go in and manually erase the messages every couple of weeks as they are eating up the space on my message program on my phone. 

Thank you.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My mortgage loan was purchased as part of a package by Ditech Financial LLC. 
Every month since the purchase of my loan by Ditech I have made my payments online with extra money added to be applied directly to principle. I do not have any outstanding fees or charges on my loan and my loan is and has been UP TO DATE since it 's inception in 2004. Ditech continually pays my loan forward to ongoing months and DOES NOT APPLY the extra funds to principle as intended. I have called every month since I started to make payments to have these payment reapplied. 
I believe that my mortgage account is being grossly mishandled by Ditech and feel that I have not had the proper amount of principle applied. I just got off the phone with Ditech and once again have requested that my monthly mortgage payment plus extra be applied correctly. I have not been assured that the proper amounts I have been paying extra has been applied correctly and the interest billed is incorrect.
Consumer complaint received 2016-10-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Corporation of America (FL)

I wrote Financial Corporation of America company twice asking them to send specific verification of the alleged debt, In response they evaded and/or avoided my debt verification request in an attempt to collect money they allege I owe them. I have no contract with Financial Corporation of America. 
A final letter mailed from FCoA Corp., that they will not respond to my verification because 30-days had past. Please let the record show that they only mailed me an original creditors bill and a copy of the outpatient care consent form I never received or gave my initials next too. Also, while under heavy med, # XXXX was not read to me, first time seeing this.
Consumer complaint received 2023-03-20
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: Bread Financial Holdings, Inc. (GA)

In accordance with the fair credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX offered by Comenity Capital Bank ), has violated my rights. 

15 USC 1681 Section 602 - states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 - also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B - states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Retail Merchants Associates (TX)

I had auto withdrawal set up for my account when i moved i was not informed that my last month would not be automatically withdrawn. I received a called from the collection company saying i owed one month. I informed that had to be incorrect and called the apartment complex. I then called the collector back and informed i had no knowledge that i owed and would pay for delete the agent agreed and even faxed a statement over informing this. I paid and they will not delete off my credit report.
Consumer complaint received 2022-02-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (OR)

I was trying to find out what a Chase Auto Loan interest rate would be, in case i would decide o buy a car. The link stated that there was no credit check and it would give me a response within minutes. Once i filled everything out, it said it would take 24 hours and it checked my credit, now showing on my credit report. I twitted at them immediately to have it removed. They said it was noted and someone would contact me. I called them the following morning and they said they couldn't do anything about it. 
The advertisement was fake. Any " permission box '' was pre-checked so I didn't eve see it. 
I want that removed from my credit report.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE is in violation Fair Credit Reporting Act and Fair Debt Collection Practice Act. CAPITAL ONE continues post inaccurate information to my credit report after being notified by i the information is incorrect via notices and phone. 

CAPITAL ONE representative told i over the phone, CAPITAL ONE is unable to mail i any information about the account because the account has been noted with a cease and decease notice. But CAPITAL ONE is continuing to report my account delinquent ( XXXX, XXXX, & XXXX ), closed the account around XXXX, and reported the dispute resolved. Plus back dated/ posted old information to my credit report that was over ten years old. This is a major violation.