davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I.Q. Data International - FAILURE TO ACT IN ACCORDANCE WITH FDCPA ( 809 1692g ). 

I.Q. Data International contacted me by phone on XX/XX/19, asserting its authority to collect debt payment of {$980.00} for residential move-out charges billed by an original creditor - XXXX XXXX XXXX, XXXX XXXX XXXX, CA ( part of XXXX real estate holdings ). I previously asserted to XXXX XXXX / XXXX that the move-out charges are unwarranted per our lease contract, that the apartment management did not fulfill its obligations under California Civil Code 1950.5, and that the security deposit amount in their calculation is inaccurate. 

We have received no written verification of this debt from I.Q Data International at the correct addresses we provided to both I.Q. Data International and the original creditor. 

Debt verification requests were made by phone on XX/XX/19 and also by USPS certified mail. The I.Q. Data International agent claims that no certified letter from me has been received by I.Q. Data, despite USPS confirmation of delivery. 

We believe that failure by I.Q. Data International to provide timely written debt verification and failure to acknowledge / act upon delivery of our certified letter are in violation of the FDCPA ( 809 1692g ). 

Attn. XXXX XXXX XXXX / XXXX - you are identified here because you have under-represented our security deposit amount, did not inspect the apartment as required under California Civil Code 1950.5 prior to making cleaning/painting charges, and charge unwarranted administrative fees.
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2017 I withdrew a certain amount of money from XXXX of my checking accounts at TD Bank, but when I withdrew the money they double the amount they give me and overdrew my account and now I am in the negative and have NO money to feed my family
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

have called carrington loan servicing numerous times represenatives keep transfering long hold times can not leave a message HOME WAS FORECLOSED ON BY CARRINGTON XX/XX/XXXX AND SOLD XXXX XXXX, BORROWER WAS ISSUED A 1099C BY CARRINGTON THIS YEAR /THE 1099 C SHOULD HAVE BEEN ISSUED FOR TAX YEAR XXXX BECAUSE I FILED A BANKRUPTCY AND MORTGAE DEBT WAS INCLUDED.A CORRECTED XXXX IS REQUESTED BASED ON BALANCES AND FIGURES ON XXXX XXXX DATE OF BANKRUPTCY DISCHARGED UNDER XXXX  XXXX, MORTGAGE DEBT INCLUDED,, CARRINGTON HAS MY WRITTEN PERMISSION TO SPEAK WITH XXXX XXXX XXXX ON THIS MATTER MY SPOUSE XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management Inc ( MCM ) XXXX I received a letter from Midland with an attempt to settle a debt in the end of XX/XX/XXXX in which I immediately sent a validation of this debt to on XX/XX/XXXX. Certified receipt of the item was XX/XX/XXXX which is attached. Clearly stated what I wanted the Collection agency to verify. There was no response so I sent another letter stating there was no response on XX/XX/XXXX and that they failed to validate within 30 days of my letter sent. Mid to late XXXX I got a letter from Midland to let them know what I am disputing which was clearly made in the 2 first letters sent and they have ignored my request. XX/XX/XXXX I have sent an estoppel for clearly ignoring my requested information which they still have not provided.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (GA)

This Debt went into collection without me having any knowledge of this debt, a bill was sent to address where I did not live, with my name attached to the address, I never received a bill so it went into collection and were put on my credit report. the bill were initiated by my daughter Mother, she put my name on the bill with her address, we have never lived together.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

I 've been trying to dispute wrong information on my credit report with Equifax and all they keep saying is for me to send them a copy of my driver license and my social security card, that was actually the only time i could get a live person on the line, the other times i tried to contact them the phone would automatically hang up and it wo n't connect me to them, today XXXX/XXXX/17 i tried contacting them and the phone call was redirected into a ads line where all they do is offer me products from their partners, i 'm tired of this process with them i do n't have any issues with any other CRA, i recorder todays call as proof of what i 'm saying is true. i got denied a vehicle loan because my credit came up as XXXX, all other agencies shows my credit number except Equifax, i 'm trying to buy a house and i 'm afraid that if they use Equifax it will also come back as a XXXX because of incorrect information on their side.
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC (TN)

This company never validated the debt and this needs to be removed from my credit report. I am now being harassed by another company XXXX XXXX XXXX. You can not owe the same alleged debt to XXXX different companies.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE (NC)

Every time I make a payment over {$240.00} on my XXXX XXXX Barclay 's business card it is credited to my account by not available for up to 2 week. It looks like Barclay 's is punishing customers who pay down their cards for doing so. 
They are able to release the payment every-time after a phone call that consists of having to type in my card number my zip code then listen to 2 minuets of recorded balance information util I can then push XXXX more codes and finally get to a representative to have to give them my date of birth and last XXXX of my SS #.
Consumer complaint received 2015-06-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

I bought a bed in XXXX 2015 and used Synchronicity Bank to finance it. 
In XXXX I had not received anything in the way of a statement from thebank, so I called the mattress store nd they gave me my accountnumber at Synchronicity. I called Synchronicity and gave them mynew address. They told me they would mail the statement to me. 
Weeks passed, and still nothing.I call the mattress store and the manthere said not to worry, that there is a grace period. 
As of yesterday, I still receive nothing. I made a not to callSychronicity. Today, coincidently, they call me and inform me I have alate payment. I told the man I have asked already fo the bill and wasgetting ready to call them again. I paid the open amount XXXX {$440.00} XXXX viadebt card. I also gave my address AGAIN and requested that theysend me statements so I can pay this in a normal fashion. I asked thatthey remov the late charge because I had made a request for bill thatthey never sent.
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: EQUIFAX, INC. (IL)

On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SD)

Please note letter to Wells Fargo employee in XXXX, SD on a XX/XX/19 request to curtail WF overnighting XXXX notifications that are meaningless. Letter to XXXX states the obvious that WF is  continuing to lie as there never was any phone call to my person by his boss not to employ their people for customer service or even enter their bank due to their fraudulent acts. This shows WF 's lack of interest in real customer service and is evidence of their deception and lies. Please note enclosed letter as evidence.
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

We received a letter dated XXXX XXXX, 2015 from the XXXX County Treasurer stating that our current taxes on parcel XXXX had not been paid. The letter stated that fees and penalties had been applied and if payment was not made by XXXX XXXX, 2015 our names would become public notice for delinquent tax payments and further sanctions would occur. We contacted Green Tree Servicing company which is handling is now servicing our mortgage on XXXX XXXX, 2015. We explained the letter and made mention that our XXXX statement reflected a notice that County Taxes were distributed XXXX XXXX, 2015. The customer service representative confirmed that distribution date and stated it would take TWO weeks for someone in the tax department to review and respond and that would be on XXXX XXXX. We followed up with XXXX subsequent phone calls on XXXX XXXX and XXXX XXXX, 2015. We were told today that there had been no resolution and it would now be escalated to a Supervisor and we can call back on Friday, XXXX XXXX for a status. This is not acceptable by any means!!!
Consumer complaint received 2016-04-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BlueChip Financial (FL)

I took out an online loan from Spotloan last year 2015 when I had a job. They were taking payments out every 2 weeks from my bank account. I lost my job and my bank closed my account. I am not seeing the default on my credit report. I received a threatening phone call yesterday from a guy named XXXX XXXX who stated he was with some liason company and that they were serving papers on the XXXX of XXXX and I needed to be home or at work between XXXX. I needed 2 forms of ID and that if I did n't comply, I would go to court and jail. Gave me a phone number to call with a reference number. Was very rude and hung up. I called the phone number he gave me. The man stated it was from a loan i took out last year from Spotloan. He said I owed them. First he said XXXX, then he said XXXX..ONLY to be paid by CC. I looked up the number and it said NO number found that it was probably from XXXX. XXXX. That was the XXXX guys # ... the other one is XXXX. I do n't appreciate them THREATENING me like that!!! How can they serve me papers? I thought the courts had to do it. And I looked on my court records. Does n't say anything about being served. What can I do? It 's not on my credit report.
Consumer complaint received 2016-10-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I had several accounts with the financial institution USAA, and recently they closed my checking account. I had no idea why as I was under the impression that I had a {$0.00} balance in that account as I had lost my job and had no income for a couple of months. Come to find out, they reversed a dispute that both they and the merchant agreed was invalid and recharged my account for the amount, overdrafting me and then closed the account as I did not make a deposit in the timeframe they required. At no point did my bank send me any correspondence about the actions they were taking on the account at all. In the meantime my savings account was kept open, so when my direct deposit for my first paycheck went into the account today, they blocked my funds from being used until I pay them the {$25.00} that I owe them. The entire process has been upsetting to say the least, especially due to the lack of clear standards and rules and most importantly ; communication.
Consumer complaint received 2017-01-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

For the past three months our mortgage company Penny Mac, has reported that we are behind in our payments. We made the payments " On Time '' through XXXX XXXX and have the doc 's to prove this. This is the second time around for this happening to us. When I reach out to them they inform me that they have been placing our payments into a " Suspense Account. '' Why? It is as if they keep XXXX sets of books. XXXX that has the " correct '' information and XXXX that does n't. PLEASE! Investigate this issue because they are messing with our credit score, sending people to our home, as well as sending us notices that we are three months behind in our payments. If they are doing this to us then we are not alone in this mess! Thank you.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Billing statement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC Bank enrolled me in paperless statements without my knowledge, approval or acceptance. As a result, I never received my paper statement in the mail, which I rely on to ensure I make timely payments, and missed 2 monthly payments. They have now reported my delinquency to the credit bureaus ruining my perfect payment history for over 20+ years. I 'm sure my credit score has been adversely impacted due to the reported delinquency. They did waive the Late Fee, but did not offer to correct my credit bureau report. My request is to correct my credit bureau report to reflect no delinquency as a result of this bank error.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NV)

I contacted Barclays on XX/XX/XXXX to report that my card was stolen and three transactions were identified as fraudulent, the three transaction amounts are : {$230.00} on XX/XX/XXXX, {$86.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX. My old account ending in XXXX was closed and a new card ending in XXXX was issued. The {$440.00} transaction was removed and did not post to my account statement that ended on XX/XX/XXXX but the remaining two transactions of {$230.00} and {$86.00} posted to my new account ending in XXXX even though these are identified as fraudulent transactions. I contacted the bank three times to have these two transactions removed or credited temporarily due to it being fraud. The bank unfortunately has not been able to investigate these transactions after almost 30 days has passed nor have they posted a temporarily credit while they investigate the transactions. I want to pay my statement balance in full but it is irregular to pay the amounts that includes the two fraud transactions that does not belong to me. The bank says they are experiencing heavy fraud claim volume as the result for the delay but I can not wait any longer since Interest charges will accrue if I pay the amount minus the fraudulent amounts. I hope the bank can fix this issue as quickly as possible. Thank you.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is reporting to the credit agencies that my account is charged off. I disputed the accuracy of my account status with the Credit agencies. I also contacted XXXX XXXX XXXX who had stated that due to my account being past due in XX/XX/2017, they will not update my account status even though Im current. How can a company report the account as charged off but still have current payments. I am not past due on my account.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account information is showing incorrect to the credit reporting agencies, it shows a duplicate past due payment that was already listed in XXXX for 30days past due for a XXXX payment. XXXX 30 day was listed on all 3 credit bureaus XXXX, XXXX, XXXX. since then it has showed back on my report like a recent 30 day past due and this is incorrect as i have made a payment in XXXX and now in XXXX, this has already reported and should be showing as currently behind and is not. I am very upset about this matter as is causing issues now to my credit and have also lossed additional points to my credit that since XX/XX/XXXX with the one 30day past payment i got back. Why am i getting hit again? This account was also closed by the grantors request and i am actively making payments to finish this account off in final.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

So I first opened my account with TD bank I believe it was back in XXXX of 2020 now I was new to this account and im used to banks like XXXX where you cant over draft well around this time I was making small purchases to avoid overdrafting also didnt know that purchases dont get posted on sunday. I also had an issure paying my car payment at the time so I used my account and routing number to pay it because my debit has never worked from some reason. well XXXX I was paying it agian techanlly the account and routing number way went through take XXXX dollars out of my account and I made small purchases not know it was already paid. they overdrafted me XXXX dollars back in XXXX and at the time I learned from one of there associates that the an option in the app where you can turn offsome thing meaning when you at XXXX ull have no money so I didnt know about this unjtill later being a new customer with TD So I proceeded to so so I wouldnt have any more issues. now for ssome reason that option is enable again and Im over drafting like crazy again and TD just doesnt want to work with me on giving it back. Understand I havent receive one payment from unemployment since XXXX wich has cause me to live out of my car for four month with my dog and I also have crdit cards to pay that I cant and I might lose. just the other day they finlly towed my car reposessed because I was behind on my payment three months. now I dont have a home and my dog and I are now living in the streets so I need whatever I can get when it comes to money. Td has helped me on ike one or two in XXXX  but the ones in XXXX are more rediculous then any of then and I dont understand why they wont help me with the impotant ones plz help
Consumer complaint received 2016-06-08
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We have learned that XXXX acquired the banks but it was not a " Merger '' so therefore this was not a XXXX XXXX XXXX. When XXXX collapsed, XXXX XXXX became the servicer. When we made queries about the new owner, XXXX XXXX claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to Pennymac XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. Pennymac then flipped it to another subsidiary of their company. When we called the FDIC and the OCC, they both referred us to CFPB because this is all debt collection. Additionally, we learned that XXXX XXXX Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for XXXX and XXXX and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report
Consumer complaint received 2015-03-22
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I would like to dispute the reporting on my credit report for account number XXXX with Capital One in XXXX XXXX XXXX, Utah. I received a statement showing a balance due for an annual fee. I had a zero balance on the prior period statement with all transactions paid in full. I contacted my creditor and informed them that I would rather close the account and requested that they waive the fee on the billing. The person that I was in contact with via the telephone said that the fee would be waived and the account would be closed in granting my requests. I later received statements in the following three months for the fee as well as additional, incurred interest on the outstanding balance. I continued to contact the creditor with the same request every month that I received a statement. They reluctantly granted my request after numerous contacts and issued an email to my address. I no longer have this email because it was sent over 24 months in the past and I also have not received any more statements since the creditor agreed to meet my request. 

I would also like to remove the reporting in regards to account number XXXX. I received a bill in the mail from the collection agency XXXX XXXX located in XXXX, IN. I am not really sure of the address that I gave the provider of the medical visitation. I was living with a significant other at the time of the treatment while transitioning residences. My driver 's license was not up to date at this time as well. I did receive a bill from the collection agency within a few years later. The bill was paid as indicated in the reporting, but because of the derogatory status, I would like for this account that was satisfied in full to be removed from my credit report.