davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I applied for a joint checking account with my fianc. Shortly after applying, USAA sent me a letter asking for identity verification, which I promptly submitted. I never received a response from USAA after that either confirming that my identity had been verified nor asking for follow up information ... .but now when I try to log into my account, it tells me I am blocked. I have called customer service several times but no one is able to tell me what has happened or what I need to do to gain access to the account. My payroll direct deposit will be taking effect soon with my paycheck going into the new account and no way to access my money unless I ask my fianc to access it since it 's a joint account. Please help ... I have attached a copy of my ID to this complaint again.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Capital Enterprises, Inc. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, M.I. XXXX Subject : Cease and Desist Demand Dear Midland Credit Management, I am writing to formally request that you cease and desist all communication regarding account number XXXX that you are currently pursuing against me. 

This request is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing the following sections : 15 U.S. Code 1692c : This section prohibits debt collectors from communicating with consumers at their place of employment if they are informed that such communications are prohibited. 

15 U.S. Code 1692g : This requires that debt collectors provide consumers with a written notice within five days of initial communication, detailing the amount of the debt and the name of the creditor. If you have not provided such notice, you are in violation of this statute. 

15 U.S. Code 1681e ( b ) : This mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. If any inaccuracies exist in your records regarding my account, I demand that they be corrected or deleted immediately. 

Please consider this letter a formal notice that I do not wish to be contacted further regarding this matter. Any future communication, unless initiated by me, may be considered harassment under the FDCPA. 

I expect written confirmation that you have received this letter and have complied with my request within 15 days. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

The reason for my complaint is because I recently received a Notice of Default from my mortgage servicer, Ditech, even though I began the process of a workout well before being late on my mortgage payments. I believe this to be the illegal practice of " dual tracking ''. I am requesting that Ditech rescind the Notice of Default and finalize a workout which I initiated nearly 6 months ago. 

I submitted a completed Request for Mortgage Assistance ( RMA ) package in XXXX 2016 seeking assistance due to being unemployed. I made over 15 repeated requests for an Unemployment Forbearance offered by XXXX who owns my loan, as well as the Making Home Affordable ( MHA ) program. To date no workout has been offered by Ditech. During this prolonged and frustrating experience with Ditech it seems that misinformation, missteps, and confusion are the norm. My assigned point of contact, who I am rarely able to reach, has changed 4 times in only 2 months. 

It is my understanding that the primary goal of a loan workout is for a borrower to avoid a default. Yet after having done everything right, I just received this Notice of Default. I have been very proactive with many repeated phone calls and submitting all documents in a timely manner. Over half of the various Ditech representatives with whom I spoke stated that they were unaware of an Unemployment Forbearance workout. On multiple occasions I had to guide Ditech representatives to the Fannie Mae and Making Home Affordable websites where the Unemployment Forbearance workouts are clearly explained. After months of call backs and escalations, I finally received a packet from Ditech in XXXX 2016 stating that an Unemployment Forbearance was an available option. However, months later no further progress was ever made. 

I would be more than grateful for any help in compelling Ditech to rescind their Notice of Default and to finally offer a workout solution, as my repeated efforts with them over the last 6 months have been unsuccessful and entirely frustrating.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report. The account listed as XXXX XXXX  has several inaccuracies which means this account could not have been properly verified. Furthermore any account that is terminated with a balance due the balance should be refunded to the consumer so how is the credit bureaus reporting this account as a collection and charge off. 

High Balance : {$350.00} {$0.00} {$350.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit : {$200.00} {$200.00} {$0.00} XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Consumer complaint received 2019-02-18
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Account Control Technology, Inc. (CA)

On XX/XX/19, Id found out I allegedly had an outstanding federal student loan owing an estimated $ XXXX so I requested paperwork and proof of the loan before I considered even setting up any type of payment plan with them. I asked for them to send me the paperwork and two people at ACT pushed  me to give my bank account information prior to reviewing paperwork. After Id confirmed my physical address with them and phone number, I asked to please wait until XX/XX/19 and that after reviewing everything if everything was accurate, Id call back and set up a payment then. I was given XXXX number : XXXX and said Id call him at around XXXX PT. On XX/XX/19, Id received a call at XXXX PT from XXXX with no message left. This has been recorded on my phone with a screenshot.
Consumer complaint received 2016-11-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (CT)

Over the last 3 weeks I have been receiving XXXX5 calls a day from Commonwealth Financial ( CFS ) A collection agency. They are asking for a XXXX XXXX XXXX whom I do not know. I have told them them 5 times now that I do not know this person and to stop calling me however the calls continue. 
Some of the numbers are : XXXX, XXXX, XXXX
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (SC)

I had a series of unauthorized transactions on my account when I called about them they restricted my account I told them I need access to my account and I didnt want to file a dispute if it meant losing access to my account they told me I had to file a dispute for the unauthorized transactions of which there were 27 2 days later they closed my account and denied me access to funds already in the account they told me I would get a check in the mail once my accounts were closed I received no time frame
Consumer complaint received 2015-11-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: California Business Bureau, Inc. (CA)

A portion of my medical bill was sent to the California Business Bureau and I reached out to the company to find around {$80.00} dollars in interest fees were charged to my account. I was seeking to have the policy and/or information containing the companies legal right to charge interest on a medical bill sent to me. The Vice President continued to tell me it was her legal right to charge interest. I again asked her to send the policy to me and she continued to talk over me and she appeared very angry that I was asking for what I believe to be my right. I do not feel I was adequately advised as to why I was being charged additional monies on my account.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

2022 my experience XXXX and reported it upon notice immediately I'm in there have been delinquent payment reportings due to the unaware of the XXXX. I sent the police report and any other supportive information to XXXX credit card company, and they did find the fraud in my favor but refuse to remove the delinquencies associated with those fraudulent charges. I had to approach a situation and more than one occasion to remove late fees etc. But still to this day I can't get them to remove the delinquencies
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (MO)

This is a follow up to a previous complaint, parties involved XXXX XXXX XXXX LVNV Funding LLC, and XXXX XXXX XXXX XXXX 

This account is in error and completely wrong, but here we go again. Attached please see the Satisfaction of Judgment. My ex-wife was served at XXXX XXXX XXXX XXXX XXXX, a home I have not lived in since XXXX, please see the attached Divorce filing from XXXX. 

LVNV hired a law firm from XXXX. The case was litigated in XXXX XXXX XXXX XXXX. I lost by default as I was unaware of the service, because I did not live at that location. The courts ordered my wages garnished and then provided a Satisfaction of Judgement to the law firm, please see the attached summary from XXXX. 

XXXX XXXX XXXX is not registered with the Secretary of State for the State of Nevada and not being registered as a XXXX XXXX XXXX, or otherwise it is illegal for them to transact any business in any state. 

It is not my debt, I have paid and they are continuing to harass me and cause me undo stress. I want this matter resolved and disposed of immediately.
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XXXX/XXXX/16 my checking account at First National Bank of Pennsylvania had a total of XXXX unauthorized debit card charges totaling {$360.00}. I repeatedly tried contacting the bank until finally getting a response and then cancelling my card with an investigation being launched. Consequently, on XXXX/XXXX/16 my account was charged an additional {$34.00} for an overdraft due to the unauthorized charges. I 've repeatedly left messages for the manager at the XXXX XXXX branch to contact me with no response. This all took place after a total of {$100.00} in unwarranted overdraft charges were levied on my account the week prior ... XXXX and XXXX/XXXX/16. Please request an investigation into these charges on my behalf and a proper resolution. 

Thank you
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I.C Systems Inc stole my nonpublic personal information, opened a fraudulent account in my name without my knowledge or consent, is attempting to extort me for payment and then reported this fraudulent account into my credit report which has caused so much damage. I am stressed and embarrassed. I never received any notices from IC systems, not that I should any way but, they are required to follow federal law in which they did not. I do not have any contracts with them. There is no Privity of contract between me and them. I.C Systems has failed to provide adequate validation of the debt. I.C Systems has failed to provide : Proof of the existence of the alleged debt and outstanding balance ; proof of a contract verifying I.C Systems can legally collect ; and proof that I.C. Systems Inc is the current holder of the instrument which created the debt.

I.C. Systems is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX yet I.C Systems Inc is the company listed on my consumer credit report. I.C. Systems claims to have purchased the alleged debt/transferred the debt from another company, XXXX. Aside from the unsubstantiated validity of the alleged debt, this is a violation of law. 

I REFUSE TO PAY THIS ALLEGED DEBT AND I DO NOT CONSENT FOR I.C. SYSTEMS TO HAVE ACCESS TO MY NONPUBLIC PERSONAL INFORMATION AS THEY ARE THIRD PARTIES THAT I NEVER DID BUSINESS WITH.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XX/XX/2019 XXXX XXXX XXXX  equifax highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 eqifax and XX/XX/2019 XXXX  will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

First Niagara Bank XXXX XXXX XXXX kept paying incoming bills even though my account had a negative balance. The account had dropped to {$3.00} but I am fighting XXXX XXXX and was too sick to get to the bank. They charged me XXXX {$37.00} NSF fees. I called to explain and a very nice customer service rep credited me the XXXX fees. This was on XX/XX/XXXX. On XX/XX/XXXX, when I looked at my account, XXXX of my bill payments were duplicated. The dates and NSF fees on these accounts were recorded on XX/XX/XXXX. However, they did n't show up when I checked my checking account on XX/XX/XXXX and neither I nor the customer service rep saw these charges on XX/XX/XXXX. I know for a fact that I did not duplicate XXXX bills although the XXXX male reps I 've had to deal with since the XXXX said they checked my XXXX address and that I authorized these XXXX bills on XXXX XXXX. I did n't. The XXXX male rep I talked to forgave XXXX {$37.00} charge and XXXX of the XXXX NSF charge ; however, my balance was still in the negative. I explained that I live on Social Security, that I am fighting XXXX XXXX, and that a look at my banking with First Niagara shows that I do n't duplicate payments and that I do n't bounce checks because I ca n't afford to do so. Now, First Niagara is charging me {$37.00} per day for having a negative balance, even though I explained that my SS check wo n't come in until XX/XX/XXXX and I do n't have the money to cover the charges they put on the account to maintain a negative balance. I asked them to not pay any incoming bill if my account did n't have the funds to cover the charge. The reps told me it was at the bank 's discretion to pay or not. These payments and fees are robbing me of money I can not spare, and have caused me terrible stress. I ca n't prove, but do believe, that a First Niagara employee used my IP address to duplicate XXXX bills so they could reap NSF fees.
Consumer complaint received 2016-09-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: RANLife, Inc. (UT)

I applied for a loan with Ranlife mortgage just over a month ago. After my discharged bankruptcy in 2013, I first wanted to make certain I would be eligible, as I had a previous mortgage loan I was no longer responsible for. That mortgage has a primary mortgagor who is still paying and plans to keep the property. After much discussion and their underwriting dept. verifying my approval, we moved forward and began my search for a new home. After a few weeks my realtor found me the perfect home. I paid for the inspection, appraisal and paid my earnest money after the seller agreed to my offer. Many weeks past as we awaited the appraisal to come back and for the loan to be underwritten. The appraisal came back at XXXX less than the asking price, so the seller agreed to lower the price contingent on us closing on time. This expectation was communicated with Ranlife who gave us the go ahead. On XXXX XXXX, just XXXX business says before the scheduled closing, ranlife called and told me they needed further documentation to prove I am not financially liable for my previous mortgage loan and they wanted proof to show new ownership. I explained I can not force the primary mortgagor to refinance and put in his name but that should not matter as I am not on title, nor my credit and I have provided all the bankruptcy papers to illustrate this point. I called my previous mortgage company and asked for a letter but they require 10 days to process and mail that letter. The seller does not want to wait and already made it clear that a closing date was required for the lower selling price. I am now looking to lose the earnest money, the money for the inspection and appraisal and the time and effort I have put forth, not to mention my emotional well being. This is something that should have been requested weeks and weeks ago, not 2 days before the scheduled closing date. The lack of due diligence on Ranlifes part has now cost me the home of my dreams and thousands of dollars and time.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Receive daily calls from a company named Portfolio recovery. The first time which was 2 months ago I was met with threats of legal action, but I do n't know what the debt is for and could not receive an answer over the phone. Furthermore, they have called relatives in other states, claiming they have to pay my debt if I do n't pay. Please stop this company from harassing people who are debt free.
Consumer complaint received 2017-01-05
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (IL)

To provide some background, we have owned or leased a Hyundai Tucson since XXXX. On XX/XX/XXXX we turned in a Hyundai we had leased since XXXX ( account # XXXX ) and decided not to re-lease or purchase a new car at that time. When we turned the car into Rogers Hyundai in XXXX, XXXX had looked the car over and stated he saw no major issues, and said we would be hearing from Hyundai. Over the next few months we heard nothing from Hyundai but in XXXX began to receive calls from XXXX Associates, a collection agency. They would not identify why they were calling until we provided them with information about us, something we will never do in this type of situation. We instructed them to send to us what information they had and on XX/XX/XXXX received a letter from XXXX Associates stating that he owed Hyundai {$1300.00} but with no breakdown of what this was attributed too. On XX/XX/XXXX I spoke with XXXX in Hyundai 's Recovery Department, explained the situation, and he said he would have a detailed bill sent to me. On XX/XX/XXXX we began to receive calls for XXXX again, in fact they also called my wife and my wife 's brother, demanding payment from them and being extremely rude. Since we still had not received anything from Hyundai this prompted me to again call Hyundai 's Recovery Department today where I spoke with XXXX who also said she would send a detailed bill as well. Based on our history with Hyundai over the past few months, I felt the need to bring this issue to your attention before it escalates further. Just so you know, we have an excellent credit history with no issues during the three year lease term we concluded in XXXX.
Consumer complaint received 2017-01-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2013, 2 insurance checks ( total of XXXX ) were cashed at the XXXX of Wells Fargo without my knowledge nor my authorization. Their Bank Manger cosigned for the checks to be cashed and the money dispensed.