davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo ( Platinum Visa ) has recently instituted fees for connected to accounts with XXXX, and I presume other financial management tools. This is the first time I have seen this, and I believe that this is an intentional barrier to customers ' ability to access their own financial data in a relevant way for effective management of their finances. I believe that this is done in hopes that it will lead to errors on the customers ' side so that Wells Fargo can rack up higher interest rates and over limit fees.
Consumer complaint received 2023-01-16
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. (IN)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 2016-12-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: LendKey Technologies, Inc. (VA)

I am attempting to pay my private loan off as soon as possible, but my lender is making that extremely challenging. LendKey holds my current 10 year loan with an interest rate of 6.65 %. The auto-debit option gives me a 1 % discount on my interest. This auto-debit happens on the XXXX of the month. I asked to have my payments increased to pay off my loan sooner and I was told that it is impossible due to my current loan terms. I was told to pay the additional amount separately every month. For the last 2 months, whenever I tried to make a separate payment LedKey would only debit the different between my payment and the amount due ( {$2.00} in this case ). I spoke with them today and was told that they will only count the additional payment if I pay between the XXXX and the XXXX of the month. I was not informed of this the last time I spoke with them. When I asked if I could potentially refinance my loan to a shorter pay off time frame ( XXXX instead of 10 years ) and thus a higher debited payment, I was told that they will only refinance over {$75000.00} worth of debt, and I do not have that.
Consumer complaint received 2016-12-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC. (NY)

My name is XXXX XXXX. Over 30 years ago, i took out less than {$5000.00} from XXXX XXXX XXXX Bank. I have paid out close to {$15000.00} over the years and when i speak with XXXX XXXX XXXX ( XXXX ) in XXXX NY, the collection agency taking my social security paycheck, they tell me i still have close to a {$3000.00} balance. 
This is absolutely insane. I have paid this loan off more than 3 times and they still say i owe the majority of the balance. The holder of the loan is ECMC in XXXX MN XXXX Plz help me!
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2023 at XXXX XXXX  I started receiving emails from Bank of America stating I needed to verify my email, that my online application was in process, I was enrolled in mobile banking, and lastly that my application was approved. 

To be clear, I do not have a Bank of America account at all. 

Anyway, then I went to the login to see if I could do forget password to see WHO was trying to use this account. I did forgot password which asked for the last six of this new account. I had that in one of the emails and then it asked for your SS #. I used mine and it worked to get me to the request a auth code to your phone number. The number was not mine. I then called Bank of America and closed this account as I did not make it and someone is using my information.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am filing this complaint because I'm going through a really stressful time due to Portfolio Recovery Associates , LLC 's actions. I filed an arbitration case against Portfolio, which is reporting the account involved in this matter. Portfolio has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX ( the original creditor ). Portfolio has been overly aggressive and has harassed me in trying to collect this debt, for which I wanted to take legal action, and the contract only allows for arbitration. 

So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the proof of the filing.
Consumer complaint received 2023-01-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (PA)

On XX/XX/2022 I had noticed that my account with BSI Financial was being charged an fee of XXXX daily since XX/XX/2022. When I spoke with a representative, they told me that the fees where default interest. I then asked was my account missing payments or was I behind. The representative told me no my ACH is in automatic payment and they pull from the account on the XXXX and the XXXX of every month. I then asked how I am receiving default interest on the account if its not in default? The representative then said that is a good question and flagged my account for review no action was taken so I called again, and I was told the same thing by a supervisor who referred me to my promissory note and the default interest clause which had nothing to do with the relevance of our conversation. No one could seem to provide me an answer to why was I being charged for a fee with default interest daily. All calls where recorded and after seeking no help I reached out to the loan XXXX who helped orchestrate the loan and he also spoke with BSI Financial on this matter in where he discovered that they were using predatory lending practices against me. No resolution was found, and they refused to help me and told me to seek legal counsel for this matter. The month XXXX is XXXX. The account is at has XXXX in default interest fees since XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kovitz Shifrin Nesbit, A Professional Corporation (IL)

Kindly read SUMMARY + STATEMENT OF FACTS that is attached including all docs and exhibits which provides a detail explanation of the issue at hand. Below is just the summary of the resolution I am seeking, providing details and my reasoning including accounting of facts.. 

1. Requesting full accounting and ledger explanation of charges from XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX  to the present. 
2. Requesting XXXX XXXX XXXX and/or XXXX XXXX XXXX TO FULLY READ every one of my emails and additional items submitted on this complain, including every breakdown of my accounting when it was provided. Then, explain to me if they are in any disagreement and why. 
3. Based on my thorough explanation with valid proof, I am requesting for my ledger to reflect not only paid in full; but also requesting a refund check for {$480.00}
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: AMERICAN INTERNET MORTGAGE (CO)

When processing our new mortgage AimLoan.com, used an automated estimate from the county assessor 's website with erroneous data that produced a tax estimate more than three times the correct amount. This was not disclosed until they provided a loan commitment letter on XXXX/XXXX/2015, and we immediately brought the error to their attention. Since we were already well past the originally scheduled closing date, they advised we could close with the erroneous tax estimate, and it could be corrected immediately after closing. Based on the bad estimate, at closing, AimLoan collected a large escrow deposit that more than covered a whole year 's worth of taxes and insurance. After closing, we notified the servicing company of the problem verbally over the phone, and they instructed us to e-mail the correct estimate from the assessor ( which we had to obtain ourselves ), and they would fix the problem. After not hearing from them for a week, we received a statement listing a $ XXXX monthly escrow charge, so we sent them a RESPA notice about the error dated XXXX/XXXX/2015 ( now up to more than 4 separate contacts about the problem ). The only response we received was an acknowledgement dated XXXX/XXXX/2015 that they had received the RESPA notice. Then, on XXXX/XXXX/2015, we received another mortgage statement with the {$480.00} charge still listed. The lack of responsiveness and inability to correct an obvious mistake has prompted this complaint.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (NY)

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 A # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX A # XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX A # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX A # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX 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 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (CT)

Problems with XXXX Credit Card account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX XXXX XXXX Account ending in : XXXX XXXX ( ... XXXX ) I have attached documents with this and statements and transactions I have been trying since XX/XX/XXXX to get return of an overpayment ( {$2000.00} ) made by my misstate of sending a {$2000.00} amount to XXXX instead of the correct credit card company. I do not get true answers to resolve this issue. 
I closed the account thinking that would help to speed resolution, it did not. 

I have called at least 5 times over the last 2 months, since XX/XX/XXXX Their only responses, 1. next billing cycle 2. XXXX were verifying the balance before refunding my money ( I received XXXX letters from them stating that. The balance is obvious. ) 3. sent check on XX/XX/XXXX ( XXXX Statement was no change. 
All responses were lies. 

XX/XX/XXXX XXXX Called Said the check was sent on XX/XX/XXXX Seems like a long time to receive another delay tactic XX/XX/XXXX XXXX Called again Same answer asked to speak to a XXXX XXXX, said the same thing The balance did not change on the XX/XX/XXXX statement so the check was not issued on XX/XX/XXXX as stated, again another lie. 

XX/XX/XXXX Uploaded this document to XXXX, have not heard anything from them ( XX/XX/XXXX ). 
The responses I have received when calling the phone number are lies, I want my money back If I was this late in making a payment, I would be charged huge late fees and incredible interest, plus negative credit reporting. 


XX/XX/XXXX XXXX Now the XXXX statement show they refunded the money on XX/XX/XXXX which is the date it was posted. 
I believe this is another stall or fraud tactic. The transaction record shows the reversed XXXX on XX/XX/XXXX. 
I HAVE RECEIVED NOTHING, except lies. 

Below are copies of the monthly statements
Consumer complaint received 2023-01-16
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 — Was not notified of investigation status or results
Company: Professional Debt Mediation, Inc. (FL)

Theres a creditor, trying to collect a debt apartment complex that I do not owe. 
It was seven years ago and I asked for proof of original paperwork original signature and they did not provide me with valid copies of any of this, they sent my copies of stapled paperwork that couldve of come from anywhere that has a signature on it but is not my signature it is fraud.I went even further and actually called the apartment complex that the creditor stated they received this debt from they looked in their computer and I do not exist anywhere even did a back date and could not find me. At that point I went even further and I went to the apartment complex with the letter PDM sent me and my Drivers license and they still had no record of me .This is fraudulent and Id like this taken care of as soon as possible and removed from my record. XXXX XXXX and my assists are being threatened to being withheld from something I had no responsibility for.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (CA)

Equifax XXXX XXXX Settlement In XXXX, a settlement over the breach which revealed the private information of XXXX XXXX Americans required the credit bureau to compensate each victim starting at {$120.00} and up to {$20000.00}, Equifax XXXX XXXX my personal information was impacted as a result my personal information was compromised and as a result I became a victim a identity theft. I am requesting full compensation and reimbursement for money and time I've spent trying recover from fraud and or identity theft because of the Equifax XXXX XXXX.
Consumer complaint received 2023-01-16
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. (NJ)

i have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only XXXX has deleted the account... ..transunion and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amount reporting transunion is reporting {$1400.00} and XXXX  is reporting {$0.00} ... both cant be accurate and therefore they are violating my consumer rights
Consumer complaint received 2023-01-16
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. (NY)

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 A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-16
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. (DE)

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. XXXX Accounts with XXXX XXXX bank were open jointly and fraudulent one in the amount of XXXX dollars and the other in the amount of XXXX dollars. I want these accounts deleted and removed.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service Company (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eagle Recovery Associates, Inc. (WI)

Although I don't think the subcategory I clicked is correct they failed to disclose they are a debt collector. 

Phone call was received by the number ( XXXX ) XXXX, at XXXX XXXX  on XX/XX/year>. Phone call was declined and a XXXX second voicemail was received stating " This is XXXX XXXX calling from XXXX. Please call me or an associate at XXXX ( XXXX ) XXXX extension XXXX. Thanks. '' They did not state they are a debt collector, they listed an acronym for their company which is very deceptive. This is in direct contradiction with the Federal Debt Collection Practices Act ( FDCPA ), United States Code 15 U.S.C. 1692-1692. They must disclose who they are and the purpose of this phone call, i.e. this is an attempt to collect debt.
Consumer complaint received 2016-05-16
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (CA)

I am writing to dispute a billing error in the amount of {$25.00} on my account. I submitted a payment of {$19.00} online for the balance on the Target Red Card on XXXX XXXX, 2016, a month prior to the payment due date of XXXX XXXX, 2016. The payment was posted on XXXX XXXX, 2016. The payment was not accepted and I was charged {$26.00}. I resubmitted the payment after being emailed an alert on XXXX XXXX, 2016 stating the payment was not received. I contacted Target to discuss the matter and resubmitted another payment for {$19.00} that day. Target Card Services customer representative would not correct the {$25.00} charge or provide me with information regarding the process to dispute the charge. The representative informed me that I could not dispute the charge because Target was not at fault. I found the address for Target Card Services on my own and wrote a letter to Target Card Services requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. The next month I was sent a bill with a {$25.00} charge in addition to the {$26.00} balance for the original fee charged by Target Card Services totaling {$51.00}.
Consumer complaint received 2024-10-01
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Tally Technologies (NY)

I signed up with Tally services to help lower my credit card debt. Initially it was helping, but that was short as their interest rates went up and was not able to catch up with the payments. This led to me being apart of a financial program with them that worked for me. Last month, they informed me that they were closing down and transferred the debt to a company names XXXX ( XXXX and XXXX XXXX XXXX XXXX ). Since the notification, I have yet to receive any information on the company. This was unexpected and I signed up for the company to help me. Now, this company is charging me more than before and have me on a 5 year payment plan. This company passed on my balance to a debt collection company, which I fear will affect my credit, something Ive been working very hard to fix. This was not as advertised and would have never reached out for their help if i known they have this predatory behavior. They have violated the telemarking sales regulations