davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LDF Holdings, LLC (NC)

Good afternoon, I strongly believe I have been targeted by a loan XXXX  company that has been deducting money from account without providing me any documentation or anything that I signed. 

I had my bank block them from deducting any further money from my account since it has now been XXXX weeks of me requesting a callback or to pay off the balance via phone and I have not received a single phone call or email. Fact, I have forwarded this email chain of proof of how they are avoiding me. Whenever I call the number provided, they take my information just for them to tell me someone will call me later and again, never received a call. 

Any help in resolving this issue would be greatly appreciated. I have NEVER been in a position of collections as I am good with my finances and I have been trying to get more information/pay off this loan XXXX  and they are purposely postponing/not allowing me to do so. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Advantage Collection Professionals, Inc. (MN)

XXXX from Advantage Collection Professionals contacted me at my work. 
I asked her to not contact me at my work and leave a message on my personal number. 

She then contacted me again at my work and stated " I know you told me not to call you at work, but you did n't return my call. '' I told her again not to contact me at work and she said at this point I would be facing legal action. 

I told her I would contact my attorney in regards to her calling me at work when I asked her not to and said goodbye.
Consumer complaint received 2016-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

Select Portfolio Services has committed fraudulent acts against XXXX XXXX XXXX XXXX and her son, XXXX XXXX XXXX. Their house payment has never been late, now SPS has sent their payment back and rejected the payment. They say she has taken bankruptcy when she has not ever filed for bankruptcy. They have been threatening to forclose for the past 7 years. They also sent a letter asking them to take {$10000.00} and relocate or be forclosed upon. SPS says there is a lien on the house and property, but it is confidential and they refuse to let XXXX XXXX know who has a lien on her property. When XXXX XXXX went to refinance through her regular bank, the banker called SPS for a payoff amount. SPS refused to give a payoff amount. XXXX XXXX has also found out that she has XXXX acct numbers when she should only have XXXX. XXXX XXXX is a XXXX yr old lady and her son, XXXX is XXXX.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I received a notification that was definitely in error. It was for XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) and for over XXXX XXXX dollars. I can not remember whether I approved the purchase accidentally but received no other notifications regarding the transaction ( s. ) I discovered in the month of XXXX that there were several charges made through XXXX for a range of transactions and became overwhelmed. I contacted my bank ( Chase ) in XXXX and was not given any information or instruction on what to do. The charges continued. In XXXX I finally contacted the fraud department and was on a three hour phone call where I made a fraud complaint. It seemed like it was being taken very seriously but received no further action being taken on the part of the bank and the mysterious charges continued even when I discontinued use of the XXXX application completely removing it from all members of my households devices. I contacted the fraud department on XX/XX/2022 when they told me the fraud complaint was approved and they were going to be reimbursing me by XX/XX/2022. I waited until XX/XX/2022 to contact them and they said the fraud complaint had been denied due to " chip to chip '' transactions with no explanation of what that meant. I attempted to contact them again and spoke to the escalations department where another fraud complaint was made and seemingly taken seriously only foe me to contact them again and have a phone representative tell me that there was no such second fraud complaint made. I became so frustrated i closed both my checking and savings accounts and have been forced to keep an account open to be ablento receive a monthly income from a renter.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: McKenzie Management LLC (CA)

Today on my birthday XX/XX/year>, I was working doing XXXX deliveries and suddenly my XXXX XXXX card with a balance of {$140.00} was locked, never done any disputes or fraudulent charges, really need help
Consumer complaint received 2023-01-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I notified companies that reported to the credit reporting agencies that there was fraud committed about my credit that they reported.However these concerns went unresolved and more fraudulent actions were taken against me. I sent registered letters explaining that I had never used or made any transactions nor permitted any one else to make any transactions, and that I requested any and all information including a original contract signed by me also all receipts signed by me that was used against my credit any payments that I made concerning these fraudulent accounts. I explained that I would gladly payoff these accounts if they were mine if they can produce the things I requested to prove that I am responsible for these debts. All of these complaints and letters have fallen on deaf ears
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (VA)

A credit card was fraudulently opened in my name in XX/XX/XXXX with Synchrony Bank. I did not notice the account on my credit report until the account was in default with a balance of approximately {$5000.00} in charges and fees. In XXXX XXXX or XX/XX/XXXX, I contacted the bank and they quickly acknowledged that the account was fraudulent and stopped reporting the account to the credit bureaus under my name/ssn in XX/XX/XXXX. 

In XXXX of XXXX, XXXX XXXX XXXX ( XXXX ) acquired the debt. At some point in the fall of XXXX, I received correspondence from XXXX regarding this debt. I emailed the contact on the letter, informing them that the debt was not mine and was a case of identity theft. When I continued to receive correspondence from XXXX, in XX/XX/XXXX I sent them a letter via US mail stating clearly that the debt was not mine. 

On XX/XX/XXXX, in response to my letter, XXXX sent me a collection of statements for the account that show my name as the account holder, but which list an address in another state from the one in which I live and is for a property that I had previously owned but had not lived in for more that 8 years and had sold 7 years prior to the fraudulent account being opened. Included in that correspondence from XXXX was a blank affidavit of fraud that XXXX asked that I complete and return, should the account be fraudulent. I completed and signed the affidavit and emailed it back to them on XX/XX/XXXX. I received no response for the email I sent with the affidavit. 

Despite the fact that I have clearly communicated to XXXX both via mail and email that the debt was opened fraudulently in my name, to include providing them with a signed affidavit stating such, on XX/XX/XXXX I received another letter from XXXX in which they are now threatening legal action to collect he debt. 

Contact information that I have on the debt collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TMX Finance LLC (GA)

I currently have title loan for my vehicle. I have constantly gotten calls of harassment from the office threaten my vehicle would be repo. If I am week late or two weeks late. Recently had a company that was willing to buy out my car. With XXXX I had my car auction off. Contact the title max company advise the XXXX regarding a 10 day payoff. XXXX fail to provide the appropriate amount. Which then my deal fail through at the time of drop off. The general manager and the Store manager call titlemax that day on Saturday XXXX of XXXX and was told that she could not provide them what they needed at the time. I even called and could not get her to provide me the 10 day payoff. On Monday XX/XX/23 I get a phone call from title max I answered the call dead silence. I called back after the call and XXXX answered the phone I asked her why did Hangul on me she state she did not hear me. My property manager was here in the office when these calls were being made. Upon speaking to aylissa she proceeded to tell me that if I had not brought a payment in she was going have my car repo. I then proceeded to ask XXXX why had she not provided the 10 day payoff that I asked her for on Thursday XX/XX/23. She said she could but then would manual a 10 day payoff. I loss the deal with the company do to her negligence and on top of that she called me right on Monday threaten to take my car. I then proceeded to call corporate regarding the issue. Which they redirected me to XXXX advise them I did not want to speak to her I wanted to speak to her superior. I finally spoke to XXXX who is her boss no result only apologizing saying we hold off until next week of payment. Which at this point in time is not a solution. I am very distraught with the harassing phone calls which on several occasion XXXX has threaten to pickup my car and it hasnt been a 30 day window to do so. I have asked XXXX on several occasion to transfer me to another store where she has refused. I even attempt to sale my car with no avail was not able to because she purposely did not provide proper documentation. I pay over XXXX to XXXX dollars already on this vehicle with a pay of XXXX. Which at this time is too high. Not to mention ot does not hit the principle of the loan. I want something done this has mentally stress me out where I am not able to function with this constantly over my head. Then to be constantly threaten. Titlemax has no integrity whats so ever. I filed a complaint each month to corporate to nothing happening I can barley pay my other bills with economy prices going. All my money and time is going on this vehicle. I tried to have bought out still couldnt get that done. I am now keeping my car but want to get out of this loan. I borrowed XXXX dollars on this loan. And have paid over XXXX but still owe XXXX. I can not do this. I want file complaint agains this company literally stressed out because of all this. Please help.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

I ordered a product in XX/XX/2021 never received it, have been injured and unable to work or make the full payments. Have had the company I made purchase from refund the purchase however Wells Fargo has refused to refused the past 18 months of interest or readjust the minimum payments and balance. They have even gone as far as to label me a risk and freeze the card and try to add on tons of late fees to their behalf. Wouldnt let me do a promissory note for payment as they claimed I wasnt working but Im still employed just not currently working. This banking institution needs to be disbanded and removed, nothing but deceitful business practices and lies. Gave me XXXX cents refund for 18 months x XXXX a month interest plus the crazy late fees and have jacked up my minimum payment from XXXX a month to XXXX a month. 

They are completely aware of my situation and told me to borrow the money from my family all while refusing to work with me.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I AM A FEDERALLY PROTECTED CONSUMER I KNOW THE FAIR CREDIT REPORTING ACT WAS CREATED TO PROTECT ME. TRANSUNION IS NOT REPORTING A FAIR AND EQUITABLE TO ME CONSUMER REPORT BY NOT COMPLYING TO THE FCRA LAWS. MULTIPLE TIMES I HAVE BROUGHT THIS TO TRANSUNION 'S ATTENTION AND EVERY TIME CAME BACK VERIFIED. TRANSUNION REMOVE XXXX, XXXX FROM MY CONUMER REPORT. TRANUNION REMOVE THIS ADDRESS XXXX XXXX XXXX XXXX XXXX, AZ XXXX FROM MY CONSUMER REPORT. Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These charge off accounts I list below have billing errors. TRANSUNION can not lawfully report these inaccurate, inconsistent, negative information UNDER THE FCRA. The United States is bankrupt. I have asked the furnishers in writing multiple times in writing if this alleged debts were valid and what authority did they have to collect this debt in the United States they never answered these questions. These alleged debts could not be validated and turned out to be an extension of credit, that made the negative information provision in any agreement between us VOID and UNENFORCEABLE. These accounts included a finance charge and a finance charge that included a premium that protects the creditor in case of default. Insurance has been filed on these accounts.XXXX and insurance has been filed on these charged off accounts, they have no right to continue furnishing this inaccurate, information or to keep trying to coerce repayment of this extension of credit. The continued reporting of these inaccurate, inconsistent information 's constitute a breach of fiduciary duty. There is no law under the Fair Credit Reporting Act requiring these financial institutions and creditors to report negative information to MY consumer report. TRANSUNION and the companies listed are knowingly reporting and furnishing inaccurate, inconsistent, information on my consumer report. Reporting information with reasonable cause to believe is inaccurate VIOLATES the FAIR CREDIT REPORTING ACT. 
TRANSUNION REMOVE XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX. UNDER THE FCRA ALL THESE ITEMS LISTED SHOULD BE REMOVED PER MY FEDERAL RIGHTS.
Consumer complaint received 2015-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (FL)

I have repeatedly told this company I was not the originator of this contract. However, they have pulled my credit report without my approval telling me how much I can afford to pay them when I did not sign any contract with them for an alarm system. This have been going on for years battling I did not sign a contract for I was not living in the house I own but with my daughter in XXXX, Fl and my house is in XXXX, Fl. They have threaten me numerous times because I am a XXXX citizen I feel this company is trying to exploit me out of money by threats. They are calling up to XXXX times a day and I have asked them to not call my phone anymore but they continue to do so.
Consumer complaint received 2023-01-17
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX, my friend set up a living will so that I would receive his house upon his death : The XXXX XXXX XXXX XXXX. ( I had given him considerable financial help over the years, including paying mortgages arrearages of {$100000.00} in XX/XX/XXXX to XXXX, a debt collector ). Just before Barrys passing in XXXX of this year, I paid XXXX the remaining balance of the mortgage : {$130000.00}. I then put the house on the market and had a signed contract in XXXX. A month into the closing process, the title search comes back saying there is another mortgage on the house of {$190.00}, XXXX from XXXX!!! ( XXXX XXXX  XXXX XXXX, XXXX, CT. account no XXXX ). In the 15 years I had known XXXX, he never once mentioned the name Webster Bank. In addition, I removed at least XXXX bankers boxes of paper from his home, many going back decades : not a single document from XXXX. In addition, I picked up his mail for 8 months while he was sick and in hospice, and absolutely no communication from Webster. At the closing on XXXX XX/XX/XXXX, after the payment to Webster, I received proceeds of {$180000.00}. Yep, I paid out {$230000.00} and got back {$180000.00}. 

As you can see, had I known about the Webster Bank mortgage ahead of time, I could walked away from the house and saved my self {$51000.00}!! Does Webster have any responsibility at all for this? Are they required to keep in touch with a borrower at all? Monthly? Yearly? If you ask them, would they be required to tell you when they last sent correspondence to XXXX? Is there any kind of statue of limitations on anything?
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (TX)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The items are listed below : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I went to a bank ATM of XXXX in XXXX, XXXX, location XXXX XXXX XXXX, XXXX, XXXX, Terminal ID XXXX on Friday XXXX/XXXX/2016 and made an {$800.00} cash deposit. The ATM gave me a message that the deposit failed and the transaction was cancelled and did not give me back my cash deposit or a receipt that it took my money. My account was not credited either. I spoke to the bank teller XXXX who called her supervisor immediately. They advised me to contact the phone number on the back of my card which I did. I spoke to XXXX at Santander Bank who gave me a case # XXXX and advised me that I would have the money back in my account within 24 hours. It is past that 24 hour mark and the money has not been returned. I contacted the bank this morning again and was advised it can take up to ten days for the money to be returned to me. I can not have the bank stealing my money for the next 10 days. This is an emergency situation as that money was to pay my mortgage which will now be late and there will be charges put against me. It will also affect my credit with a negative report to the credit agencies. This is not fair practices and not acceptable by either the bank or any other institution who deals with people 's money and lives!!!!!!!!!!!!!!!!!!!!! I need an immediate response to my cell phone at XXXX or I will be reporting this to the XXXX news stations and any other federal agency as this is terrible service and if anyone did this to the bank it would be considered robbery punishable by jail!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this Complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX  XXXX XXXX Balance Owed : {$610.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$870.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$3400.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

XXXX  XXXX XXXX  Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.