davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (OH)

Notice for Proof of Claim Account : NATIONAL ENTERPRISE SYSTEMS # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I was supposed to be included in XXXX settlements with my lender XXXX XXXX XXXX and XXXX the servicing company ( Bayview Loan Servicing llc ) will not included me in any of them. I have ask for a copy of the print out from the portal showing me any printout saying I do not qualify they just keep sending me letters saying they do n't have to see attached letter. I worked at XXXX XXXX XXXX and I know better my loan was supposed to be included all they way back to the first suit in XXXX so I need help getting all printout from them They are afraid I am going to sue them for fraud. Also I had a mod in XXXX and paid on it for eleven months and then XXXX decided they did not want to do it anymore and stopped taking my payments. 
Please see attached letters from Bayview Loan Servicing
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (IN)

American Express : First they refused to close my savings account, then they froze my card after transferring customer service to " XXXX '' Both accounts are still active, and I still get emails even though I have no control over the accounts... 

State of Utah American Express bank ( XXXX and XXXX )
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery is a third party company that brought the debt from XXXX XXXXXXXX. The XXXX XXXXXXXX credit card limit was XXXX. This information was reported to XXXX and XXXX and the information is online at XXXX XXXX. All 3 creditors on my credit report stated the credit balance was XXXX. I had made several attempts to try to resolved the issue. However, portfolio recovery is making it very hard. They are using information that was reported inaccurately. Information from XXXX XXXX and my free credit report will be attached to this report. The credit card was opened on XX/XX/XXXX in which the writer highest amount charged was XXXX this is why the writer offered to pay XXXX because late fees. The credit card was closed on XX/XX/XXXX. This credit card is XXXX years old.
Consumer complaint received 2022-01-20
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: NAVY FEDERAL CREDIT UNION (CA)

I called Navy FED at XXXX on XX/XX/XXXX to inform them of unauthorized inquiry on my consumer report., they didn't fulfill my demands to delete the inquiry. I sent to letters certified mail to XXXX ( Tracking ID : XXXX ), XXXX ( ( Tracking ID XXXX ), AND XXXX ( Tracking ID : XXXX ) to inform them of my privacy being infringed upon. The big 3 consumer reporting agencies would be held civilly liable as well. There are some inaccuracies being reported on my consumer file and all companies involved have been put on notice by me. 

By obtaining my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, NAVY FED is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with NAVY FCU ( Finance ). Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) NAVY FCU ( Finance ) for review or Collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

I'm am banking with Chime Bank in the general I get notification on any new deposits made to my account. On three occasions Chime falsely stated that a refund amounts from to my accounts and never actually gave issue the amount to my account. On those 3 occasions I did never gotten deposit alert or the money back. The first was on XX/XX/XXXX XXXX XXXX refund me {$150.00} i never got it. I called chime and complain after speaking Village Green I saw the post history saying it was there but it was not was actually there was my paycheck the additional {$150.00} that should have been there wasn't.The 2nd was on XX/XX/XXXX Chime post in my history after a month has passed that I received the {$10.00} deposit from XXXX Cash didn't got an deposit alert for or saw it.The only thing I saw an got a notification on was the {$110.00} I had deposited. The 3rd was the {$25.00} purchased on XXXX was issued back to me on the XX/XX/XXXX and sent me an email confirmation that they issued the {$25.00} I called Chime XX/XX/XXXX. The Chime Bank rep I spoke to said they had received funds they just had not yet been released it to my account. Today XXXX XXXX I called Chime again that gave me run a around now I am just fed up.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (DE)

I signed up for a XXXX  XXXX  XXXX   credit card back in XXXX  XXXX for and was adversities as 0 percent no interest credit card until balance is paid in full. Online they made you sign up for the card and setup auto pay and everything but never remember agreeing to a service where I am charged XXXX fro every XXXX dollars charged for a card security fee. for over a year they have been charging me plus interest. total sum of more then XXXX dollars on a XXXX purchase and we only used the card to make one purchase the bed at 0 percent. I checked my statement for the first time to see how much my balance was and we noticed this charge coming up every month plus interest. the customer service rep informs me when I sign up for the application I automatically enroll in this program and need to contact them to cancel. 

First I never even knew I was signing up for a service or agreed to something like that and the sales rep at the store never mentioned anything about a service fee if you sign up to have your bed financed If I knew it would cost that much extra I would of just paid in cash in full. 

The. company is.refusing to round my account for any of it because I agreed to the fees when I signed up for their 0 percent financing because something on the application was check marked saying I agreed to it.
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (AZ)

I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from XXXX through XXXX by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

I have a problem with my closed Chase account which I closed on XX/XX/2021. 
Prior to closing the account I put a deposit for an XXXX in the amount of {$2100.00}. 
On XX/XX/2021, the owner from XXXX issued a refund to my closed account. 
Chase claimed they purged my account and they can't find it. 
Now I'm unable to get my refund due to me I have all the information from XXXX that the refund was accepted by Chase for the closed account including the XXXX number. 

I've contacted Chase Correspondent Department via fax on XX/XX/2021 and via mail on XX/XX/2021. I've yet to received any information from Chase regarding a refund for my closed account.
Consumer complaint received 2019-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC (MD)

I have been harassed by phone and mail by a company titled Financial Management,  XXXX XXXX XXXX. When I spoke with them by telephone several months ago they claimed there was an account opened in my name in XXXX Virginia by telephone. 

I don't have any business in XXXX Virginia. I explained to the representative that I was a documented victim of identity theft and that they needed to send me all the information they possessed regarding this account. 

They never sent me anything and now they are reporting this to my credit bureau report and preventing me from obtaining any credit and I do not owe them any money.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (NM)

The loan was paid off in XXXX of 2023. For the amount of {$860.00}. Customer services then said OKAY we will send you your title. XXXX came around and they never send me my copy of the title. I called week 1 week 2 and week 3 and I had no positive responses as to why my title was not sent then. I spoke to management, and they told me I needed to sign off on a document stating that I paid off loan as agreed after that signature I would get my title. Since I received in the state of New Mexico title Max is no longer doing services so some on in the state of XXXX XXXX Texas has my title. They never gave me the location of this place to pick up my title. Then again XXXX came around and I asked what is going on with my title they said they have a lien on it.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Consumer complaint received 2017-10-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

This debt was for a XXXX card that my wife had. We fell behind due to XXXX bills so they sent us to a debt collector. XXXX XXXX XXXX. they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (PA)

Received notice that I may be eligible for a mortgage refund by OCWEN " MISDATED LETTER CREDIT '' I was inform to submitted request for possible refund and that I would be informed of egibiliblity within 180 days. I submitted my request XXXX XXXX, I was recently informed by OCWEN that it would b ANOTHER 180 days from XXXX
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The purchase was made online at XXXX XXXX XXXX in late XXXX. The amount was listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit card, in the amount of XXXX, This was in WI, I have never been there nor have done business with this company at all, ever.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (CO)

This catalog sales company has been harassing me for months despite my demand to provide anything stating I'm the responsible party. They have not nor can thwy prove as much. I have asked them repeatedly to stop harassing me for someone else 's debt. They will not cease.
Consumer complaint received 2022-01-20
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: Bread Financial Holdings, Inc. (CA)

An old out of statute of limitations debt is reporting inaccurately by this bank. The bank ( Comenity ) sold the debt for pennies on the dollar to another debt buyer ( XXXX  ) XXXX years ago. However, both XXXX and Commenity are reporting a different amount of the actual debt since than the last bill was sent XX/XX/2018 and then charged off in XX/XX/2018 ( see documentation ). 

Last amount before chargeoff on the bill - XX/XX/2018 : XXXX Charged off amount reporting by Comenity and XXXX : XXXX The documentation was provided to me by XXXX, however, even so still they are reporting inaccurate information in violation. Comenity, the original creditor, is also reporting different charge off dates last date of payment date on XXXX XXXX : XX/XX/2018 last payment on XXXX : XXXX last payment on XXXX  : no data the reason for this is possibly because Comenity never applied a payment I made of {$150.00} in XX/XX/2018 to bring the account current.
Consumer complaint received 2015-05-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX we purchased a single-family home in XXXX Texas with an FHA insured mortgage from XXXX Mortgage. In XX/XX/XXXX to XX/XX/XXXX we were apprised that XXXX had sold the mortgage to Wells Fargo Home Mortgage. Earlier this year we were able to qualify for a lower cost uninsured mortgage, again sourced through XXXX Mortgage. The XXXX mortgage in XX/XX/XXXX required that we escrow the XXXX year of property tax and insurance, and escrow XXXX of the XXXX year 's property tax and insurance obligation each month. In XX/XX/XXXX when we procured the new lower cost mortgage, we should have received all of our Escrow Monies back from Wells Fargo. Wells Fargo did not return all of the escrow monies. 

Wells Fargo in phone calls say " you escrowed {$5900.00} when you closed on the purchase, so we based our return on that number ; however, by the time Wells Fargo purchased the mortgage we had increased the escrow by another at least $ XXXXIn fact, the Wells Fargo escrow statement shows that when they took over the mortgage in XX/XX/XXXX, the escrow was {$7100.00}. 
Despite their acknowledgement of this discrepancy they have NOT return the monies that are not their property. 
On a recent flight to XXXX I sat beside a former Wells Fargo employee who said Wells Fargo will try to keep some of the escrow money and the only way to get it back is to file a complaint with your bureau. 

Please help. 

Kind regards, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-08
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)

fraudulent inquiries on my transunion credit report. 

remove and block these fraudulent inquiries NOW PLEASE the transunion fruadulent inquires are : XXXX. XXXX XXXX ON XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ATTACHED IS FTC REPORT ATTACHED IS MY CALIFORNIA ID ATTACHED IS A COPY OF MY UTILITY BILL FOR MY CURRENT RESIDENCE
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX is trying to collect XXXX on an account that was originally a Best Buy credit card. They are suing me for an account that is not mine!. Case number is XXXX filed XX/XX/XXXX. XXXX XXXX phone is XXXX XXXX. My credit took a huge drop. Best buy  credit card was opened on XX/XX/XXXX.