davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malcolm S. Gerald and Associates, Inc. (FL)

I assume M S GERALD is calling me to collect my phone debt from the number XXXX. The problem is not that they call because of my debt, the problem is they call and when I answer they hang up. When I don't answer they leave voicemails with no one talking, and now my dad calls to tell me that someone from their agency called him trying to find me for a debt collection. I don't understand how they never leave messages or talk to the person who owes the debt, but they do talk to someone else not authorized in that account. I still have to talk to a real person. I even called the number now and all I hear is like if it was a fax line. No one never answers.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had an earlier complaint XXXX and at first got helpful calls from the person assigned to my complaint. 

The explanation from Bank of America is rather misleading. The reality is that their website makes it very difficult to manage payments properly. They have it set up that way in order to increase their late fees and interest payments. 

Moreover, their customer service people are horrible to work with. It is impossible to get anything in writing, nor to get a person who has any discretion to make a reasonable decision. 

As part of that agreement I made with Bank of America, they agreed to waive fees until the card was canceled. When I paid off the balance, they canceled the card, but charged another {$60.00} in fees and interest. 

I tried calling the assigned service representative, XXXX XXXX, many times, I got no reply.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

acct # XXXX XXXX XXXX XXXX XXXX  - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.
Consumer complaint received 2020-09-22
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: Nelnet, Inc. (MA)

Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

THIS LOAN DOES NOT BELONG TO ME SOMONE USED MY INFORMATION MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THIS CARLOAN I HAVE TRIED TO FIX THIS FOR YEARS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA XX/XX/20, I mailed XXXX, XXXX   and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

BEING A VICTIM OF AN IDENTITY THEFT, I HAVE COMPLETED MY IDENTITY THEFT REPORT AND I HAVE ALSO CONTACTED WELLS FARGO FRAUD TEAM AT XXXX XXXX AND SPOKE WITH XXXX   AND I HAVE OPENED A FRAUD CLIAM WITH THEM AS WELL. THIS SECURED CREDIT CARD WAS OPENED FRAUDULENTLY, THIS ACCOUNT WAS NEVER MAINTAINED BY ME ITS A CLOSED CREDIT CARD WITH XXXX BALANCE. SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT SECURED CREDIT CARD. I HAVE ALSO MAILED MY IDENTITY HTEFT REPORT TO XXXX AND TO WELLS FARGO TO HAVE THIS ACCOUNT REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2021-04-08
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. (FL)

I sent a letter to EquiFax, disputing the validity of XXXX XXXX XXXX Account # XXXX ( attached ) on XX/XX/XXXX which they received on XX/XX/XXXX XXXX ( attached ). They stated they verified the account, so I sent XXXX XXXX XXXX  a letter myself and they in return sent me a letter saying they have no account under my name ( attached below ). EquiFax needs to remove this account immediately.
Consumer complaint received 2022-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NJ)

Midland Mortgage was sent a payment by wire transfer of XXXX on XX/XX/2022 for XX/XX/2022 payment to cover check that was returned due to having fraud on bank account. I contacted Midland to confirm receipt on XX/XX/2022 and was told it was received and applied. After the XXXX of XXXX I received notice payment was not received which prompted immediate contact to XXXX to find payment. Every department I was connected to couldnt give correct information, this continued from XX/XX/2022 to date XX/XX/2022 contacting their, customer service department, XXXX XXXX department, XXXX department, XXXX department, XXXX times weekly I made multiple attempts to rectify the issue with no resolve and being told XXXX receive a call the end of the week or to call back. I continued to make on time payments which are being posted as late payments leaving the account delinquent. I provided Midland Mortgage with copies of successful and received payments to Midland Mortgage from my bank. Ive wrote the Vice President of Midland Mortgage a complaint, I put in an additional request once uncovering that the payment was in error being split between unapplied funds and escrow notifying them they made an error and it needed to be reversed, I called back for XXXX weeks the request hadnt been processed, I called back the XXXX week only to be told the request was completed however that was false information and the account wasnt bought current, with no justification as to why and wanted to resubmit another request after asking numerous times to speak to a supervisor I was placed on hold for over an hour by XXXX, then spoke to XXXX ( XXXX ) who identified herself as a supervisor who stated I have no idea why this wasnt complete properly, I would need to do some research, and have someone contact you by Friday XX/XX/2022, I replied XXXX contacting the CFPB this has gone on long enough.
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation (CA)

I received a phone call that said a debtor was on the way to the courthouse to file a judgement against me. I needed to call them back immediately at XXXX to prevent them from garnishing my wages and seizing my bank bank accounts. They would not give me any other information on the debt, company trying to sue me, or anything else except a case number I called the XXXX number and someone immediately picked up and asked for the case number. 
They stated they were XXXX XXXX and they had been assigned this case by the attorneys. 
I told them the case number and they said that the same information. 
That they would be filing a lawsuit in a couple hours if I didn't immediately settle the debt with them. 
I asked what the debt was. They stated that it was a account from over 15 years ago. I questioned the legitimacy of the account. They than said that they notified me by mail recently ( which i did not receive ). They than said they would send another letter to me. 

This was suspicious because of the previous call ( and this one ) saying they were on the way to file a lawsuit. 

They provided Two addresses in the letter I received from them today. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is a XXXX XXXX at a Mail and More store. and where they want payments or dispute forms sent. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is the US Post Office branch XXXX XXXX . 

The state corporation website does not have a listing for XXXX XXXX in XXXX CA. 
The city of XXXX also does not list XXXX XXXX as a business at either of those two locations. 

There is a company listed by the state called XXXX XXXX XXXX, XXXX. 
Entity number XXXX listed as XXXX XXXX. 

This company has XXXX XXXX XXXX XXXX XXXX XXXX listed as the Mailing address. 
( same as XXXX XXXX. ) XXXX XXXX XXXX, XXXX was involved in a lawsuit in NY XXXX District Court. 
case number XXXX. 

I have not contacted them again due o the fact that they gave me XXXX XXXX 's as a business address, The actual business name is in question, and might not even be currently licensed in the state of California, and primarily because the first contact from them was saying that they were on the way to the courthouse to file a lawsuit unless I settled with them over the phone for a old questionable debt.
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

I am the employer of the Employee who the XXXX XXXX XXXX XXXX XXXX is attempting to garnish wages. On XX/XX/XXXX they Served my employee paper work for the amount that he owes. In the paper there were documents for me as the employer to fill out and send back. I reached out to my payroll company for guidance and they told me to fill out the paper work and I would be receiving a correspondence confirm the amount to withhold, etc. About 3 months past and I didn't hear anything back. XXXX XXXX an employee at the XXXX XXXX XXXX XXXX called me at my work. She was threatening to take legal action against me as the employer if they didn't receive a payment, she threatened to sue me and put a lien on my property. I told her I sent in the paper work and was waiting for correspondence back from them. That's what my payroll company directed me to do. She said that's not right and I need to submit a payment immediately or they would take action against me. She said that they ( the lawfirm ) didn't need to give me an amount and that I was required to send 25 % of his next paycheck in. This last payroll I processed 25 % of my employees paycheck to send into them. But then i started reading some information because to me that didn't seem right to be taking that much of a paycheck for a small medical bill. As I read I see that there is the Fair Debt Collection Practices Act in place that limits how they can speak and use the threatening language. XXXX XXXX, was speaking to me about as abusive as anyone can speak to another human being. Then began to threaten me and my business, even though I took the necessary steps to contact them by sending in the documents they asked for.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX has attempted to collect a non-viable debt from a fraudulent transaction. They have sold the alleged debt to XXXX XXXX as they could not sustain it under XXXX XXXX. No debt exists. They simply move it from one company to another and then re-attach it to my credit report.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (AZ)

On XX/XX/2022 received alert from experian on ibstallment loan or bank account inquiry from : Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Contacted experian fraud department and placed fraud alert. 

Also contacted XXXX XXXX and spoke with customer service associate XXXX XXXX who flagged the credit application and suggested I contact FTC and credit reporting bureaus, per company policy.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One was my mortgage company. After I filed a previous complaint with the CFPB, I sent a letter to Capital One to close my escrow account. They sent me a letter back, saying that they had closed it. I pay my own mortgage insurance separate from my payment. About 5 months later, they reopened my escrow account without my permission to force-place flood insurance on my property. I had already gone on the website to upload this document so that they would get it. So now for 8 months, they have been charging me for flood insurance that I already have. Then they told me on the phone that XXXX would now be handling my loan and that a lot of accounts are being transferred to XXXX because Capital One is no longer in the mortgage business. I called Capital One to make a payment and I was told this. I inquired as to whether XXXX was a collection agency and Capital One told me emphatically that they were not. 
Now, I have contacted XXXX to pay on my loan and they advised me that there is a cease and desist order placed on my account. I did not place this on my account. Capital One placed this on my account before it was transferred. So, hence, XXXX could not even contact me for payment. The girl on the phone with XXXX accidentally told me about the cease and desist order, AFTER she even told me that an account manager would call me. Which he can't even call me because of that. Now I have to write a letter to remove the cease and desist order - which I did not even put there in the first place. Capital One needs to get out of the banking business, period. No one who works there can do their job competently.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXXthrough XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

Please help!
Consumer complaint received 2020-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (IN)

This university has been reporting that I owe them {$160.00} since XXXX of 2014. I never received written notification about this debt, I have only been contacted by phone. I have tried to dispute this item several times and ECSI/ XXXX University has only sent me a bill statement. They have failed to validate this information and provide me with copies of any documentation associated with this account bearing my signature. They have also failed to provide the name, address and the telephone number of each person contacted regarding this alleged account during their investigation. I have repeatedly asked for evidence to support their reportings on my credit but they have failed to provide me with any copy of any viable evidence supporting their claim. After being sent a statement and them updating my credit report as verified and meets FCRA requirements, I requested their method of verification and they have yet to comply which is an additional violation of the fair credit reporting act 611 ( a ) ( 7 )
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-05-03
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX, stated that I recently opened an account with them in fact this was in XX/XX/XXXX-XX/XX/XXXX and was filed bankruptcy on I shows I have a open account of {$430.00} it was add to my list of bankruptcy. See supporting documentation.
Consumer complaint received 2022-05-03
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: T.S. Holdings (FL)

In Accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction.

I did not give anyone written instruction to report the account listed below to my credit report. 

I.Q. Data International - XXXX
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I requested Chase to set my cash advance limit to zero on account ending in XXXX. 
I was informed this is not possible as the minimum is {$100.00}. 
I replied asking for a second confirmation, as the other account ending in XXXX shows cash advance limit as XXXX. 
I was informed that the minimum they can change currently is to {$100.00}, and asked for a confirmation to set the cash advance limit on account XXXX to {$100.00}. 
I confirmed, and clearly advised that this should apply only to account XXXX and leave account XXXX untouched ( as it was already XXXX ). 
I received a confirmation stating the following : ************ We'll be happy to assist you with decreasing the cash line on your account ending in XXXX. 

XXXX, the cash line on the account ending in XXXX is XXXX. 
However, at present we can reduce it to a minimum of {$100.00} on the account ending in XXXX. Your new cash line is {$100.00} and you can use it immediately. 
************ Upon checking, I noticed it was not processed as stated. Instead, the {$100.00} cash limit was put on account XXXX ( that was previously XXXX  ), leaving account XXXX with the original cash limit ( over {$5000.00} ). 

I replied notifying Chase of the mistake and requesting to be fixed. 

While they fixed the cash limit on account XXXX, the account XXXX remains with {$100.00}, and I did not request any change in that account. 

Chase made a mistake, and is not handling it professionally.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MASON MCDUFFIE MORTGAGE CORPORATION (CA)

On XX/XX/22 XXXX XXXX XXXX reached out to me on behalf of my father to see if he could qualify me for a loan to purchase the condo that I have lived and rented from my father for a little over XXXX years now. XXXX XXXX also stated that he was friends with my step mother and step sister. He stated he was here to assist me. So I proceeded to provide XXXX XXXX with my information and XXXX XXXX emailed me what he would qualify me for using the equity as a gift for the down payment. About a week went by and my father called me to let me know that the amount that XXXX XXXX emailed was not what he would qualify me for as well what was on my credit report. At the same time XXXX XXXX presented an opportunity to purchase a home in XXXX XXXX that was owned by a friend of his for {$230000.00}, well he told my father the most he would qualify me for was {$120000.00} and the email says {$200000.00}? It is my understanding that XXXX XXXX was only to present the amount of what he would qualify me for and nothing else. I am attaching the email between myself and XXXX XXXX.