davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (OH)

In XXXX of 2014, I moved to a new residence where I paid my last bill owed, but tried to transfer my service with XXXX. XXXX came out and could not find a line-of-sight to connect my service, and I was not allowed to have it per my landlord/tenant rules I was unaware of which deemed my contract null and void. My chapter XXXX bankruptcy was not discharged until XXXX of 2014 so even if this all had not happened I would still owe XXXX nothing. They continue to send a bill to collection agencies, and tamper with my credit illegally. The new agency they sent false info to is at XXXX.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I requested a retirement check from XXXX XXXX in the amount of {$2400.00}. On XX/XX/XXXX, after I still had not received the check, I called XXXX XXXX who said that according to their records the check was cashed via mobile deposit on XX/XX/XXXX. The provided me with an image of the check that was deposited which shows XXXX XXXX of XXXX XXXX, CA and his signature ( image is attached ). I also obtained an image of the check that was sent from XXXX XXXX ( also attached ) which shows my name and address. XXXX XXXX forged the check to show his information and deposited into a Bank of America account. I did not authorize this, nor do I have any relation with anyone named XXXX XXXX. 

Now, as of XX/XX/XXXX, XXXX XXXX is working with their bank, XXXX XXXX Bank, to recover my funds. But I think Bank of America should be responsible for recovering my funds because they allowed a doctored check to be deposited illegally. 

I'm also attaching a copy of the police report that I filed, if that's helpful.
Consumer complaint received 2022-04-04
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: CCS Financial Services, Inc. (GA)

On XX/XX/2021 I received a letter from XXXX  collections in regards to a XXXX XXXX XXXX XXXX policy. I contacted the collection agency and informed them that I was already covered with another Insurance company. Upon me speaking to and agent I was told to submit documents on file. I uploaded those documents and never heard back from the company. I even signed up for emails so I can get notified once they processed the paperwork I submitted online. There have been no letters sent to my home or email address once I made initial contact with XXXX. It was not until the account showed up in collections on my credit report that I knew the information submitted was not sufficient for what they had in collections. I spoke with a super visor name XXXX who said letter were sent to my home, but speaking to XXXX their systems said the letters went out via email. Currently on the phone for XXXX time, still today and she in informing me that it could have been sent to my junk folder and they don't make collection calls about accounts. I said that doesn't make sense when the previous agent stated they couldn't remove the collections account completely, but only update it to " paid in full '' because they made attempts to call me. There is no consistency with anything anyone tells me. I am requesting the remove the collections completely because their system is not sending out the emails or letters. They have no records of contact with me that are not only c correct but that they can validate or confirm. I was not given the fair opportunity the paid this before it hit my credit file, because I never heard back from them as the agent stated. I paid it in full only XXXX of the agents could tell from the notes that the communication noted on my account was inaccurate and that I was completely in the dark about it being owed still.
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bureau of Accounts Control (NJ)

I hired XXXX XXXX, XXXX to handle both my personal and business tax returns for the XXXX tax year. We agreed upon a total fee of {$1400.00} for both returns, which I paid in full. Several months after the services were completed and my business with the firm was concluded, I unexpectedly received an invoice for an additional {$670.00} related to my personal tax return. 

I was never notified of this charge in advance or provided with any documentation outlining the additional fee. I reached out to XXXX XXXX to request proof that I had been notified of or agreed to this fee, but the firm has failed to provide any such documentation. In email correspondence dated XX/XX/XXXX, a representative of XXXX XXXX acknowledged that I had not been given prior notice of this charge. 

Despite this, XXXX XXXX escalated the matter to Bureau of Accounts Control ( BAC ), a debt collection agency, without resolving the dispute or providing the requested proof. I believe this escalation to collections without proper documentation or agreement constitutes improper debt collection practices, as I do not owe the {$670.00} in question.
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I have a Federal Perkins Loan. Each year, I submit a cancellation application to XXXX University because I am a teacher in a low-income district. I have been doing this for six years. In XX/XX/XXXX, I was notified that a payment was due to ECSI Heartland and that my loan was now being serviced by them. I contacted them by phone, email, and mail and never received a response. I was given a ticket number by them, and they admitted to me that they did not respond to my claim that my loan is in cancellation. Last month, I was notified by my credit monitoring company that a missed payment was reported by ECSI Heartland. I immediately got in touch with a supervisor and she told me she would handle the negative credit reporting. It has now been three weeks, and nothing has been resolved. My account is still delinquent, the negative credit reporting is still on my account, and no one has been able to answer any of my questions regarding cancellation, including the supervisor XXXX XXXX.
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Back in 2019 I was a victim of fraud identity theft. The victim XXXX XXXX XXXX went to prison due to this identify theft. XXXX XXXX had the account first. My credit debt with XXXX has been cleared but somehow Jefferson Capital has the debt now which is not my debt. I want this removed ASAP. I have always had excellent credit all my life. I own 2 homes 3 vehicles. Why would I not pay these charges if they were mine. I keep getting debt collection notices from Jefferson Capital and I need your assistance to get my name cleared. One charge {$530.00} and other charge {$450.00} Thank you in advance
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

I had autopay set up on my XXXX XXXX offered through Wells Fargo from when I opened the account in XX/XX/year> and paid my full balance on the due date every month. Somehow autopay was turned off without my knowledge or consent. I noticed this 6 days after the due date, manually paid in full, and was charged {$190.00} of interest on an {$11000.00} balance. I asked Wells Fargo to waive this interest charge given that it seems a technical error caused this issue and the most they were willing to waive was {$50.00}.
Consumer complaint received 2024-10-14
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: Park Hill Holdings (MD)

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681EBXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OH)

JEFFERSON CAPITAL HAS XXXX  ACCOUNTS THEY ARE ATTEMPTING TO COLLECT ON AND HAVE NOT BEEN VERIFIED OR VALIDATED UNDER THE FCRA AND FDCPA. THESE ACCOUNTS ARE REPORTING ON MY CONSUMER REPORT AND MUST BE DELETED IMMEDIATELY. NONE OF THE REQUIRED INFORMATION HAS BEEN GIVEN TO ME. I WILL BE TAKING LEAGAL ACTION AND IMMEDIATELY IF THESE ACCOUNTS ARE NOT DELETED AND REMOVED FROM MY CONSUMER REPORT. I WILL BE SEEKING REMEDY FOR UP TO {$1000.00} PER VIOLATION FROM EACH ACCOUNT.
Consumer complaint received 2024-10-16
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (GA)

I am submitting this complaint regarding TD Banks management of my XXXX XXXX account, which has resulted in unauthorized interest charges and a lack of transparency. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX using Samsungs financing option, managed by TD Bank. This purchase was made online, and I received no clear financial agreement or termsthere was no signed contract or agreement disclosed at the time of purchase. 

For over 18 months, I did not receive any statements, notifications, or documentation from TD Bank or XXXX describing the terms of my financing. In XX/XX/XXXX, I received my first statement, followed by another in XXXX, showing an unexpected balance of {$820.00} with a 29.99 % APR. I was never informed of this interest rate or that my financing agreement was allegedly for 18 months, as TD Bank claimed. I have no records of signing or agreeing to this XXXX term, either digitally or physically. 

Despite my numerous attempts to resolve this matter with TD Bank and escalating the issue to the XXXX XXXX XXXX, I have been met with no resolution. TD Bank has continued to apply unjustified and unethical interest charges to my balance, completely disregarding my efforts to correct their errors. Due to this ongoing unethical behavior and the failure of XXXX XXXX XXXX to protect their customers from these practices, I had no choice but to log into my TD Bank account and pay off the wrongful balance in full to stop the continuous financial harm. 

I am continuing to submit this complaint to request a reasonable and just refund of the unauthorized extra charges I paid, as well as compensation for the significant stress and hardship I have endured throughout this process. 

Furthermore, I have recently learned of TD Banks involvement in unethical practices, including violations of the Bank Secrecy Act and money laundering, which resulted in a {$1.00} XXXX penalty from the U.S. Department of the Treasurys XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ). This further supports my concerns about TD Banks unethical behavior in my case. 

XXXX, Please review and compare the attached " Screenshot of My Monthly Statements ( Taken on XXXX ) '', which shows that only XXXX and XX/XX/XXXX statements were available at that time, with the modified version where TD Bank has since added XXXX, XXXX, and XXXX statements after I raised a complaint and provided them with the original screenshot. You can see this in the most recent attachment, " Screenshot of My Current Statements ( Taken on XXXX ) '', which clearly shows the addition of the XXXX, XXXX, and XXXX statements. This appears to be a deliberate attempt to retroactively justify the interest action taken in XXXX.
Consumer complaint received 2016-04-10
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: The Law Offices of Daniel C. Consuegra (FL)

The Law Office of Daniel Consuegra XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX XXXX XXXX XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the XXXX have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is XXXX XXXX. Please investigate XXXX of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.
Consumer complaint received 2020-05-20
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)

I was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AL)

I am not liable for this debt of {$1900.00} with JEFFERSON CAPITAL SYSTEM This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to formally dispute an unauthorized transaction involving my credit card account, after the Banks Fraud Operations refused to resolve the issue.

I requested an advanced payment from my Capital One credit card company in mid-XXXX of XXXX. However, I noticed that my advanced payment was cashed without my authorization by an unauthorized company called XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I Contacted the credit company fraud department, I received two notices issued within the same day, one states the issue was resolved and the other one states they believe that me or another beneficiary benefited from the transaction which is not true. I Confirm that I never received or cash the advanced payment check Please find enclosed copies of any relevant documents, including a copy of the cashed check and correspondences from the credit card company. 

I expect a prompt resolution to this matter and appreciate your attention to this issue. Should you need any further information from my side, please do not hesitate to contact me at XXXX XXXX XXXX XXXX 

Thank you for your assistance.
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

I'm unsure whether my problem matches this category, but Chase still withholds my money. I am writing to express my concern and dissatisfaction regarding my banking experience with Chase Bank, specifically concerning repeated issues related to my tax documentation. I opened both checking account ( ending in XXXX ) and savings account XXXX XXXX XXXX XXXX XXXX  at Chase on XX/XX/year>XXXX XXXX XXXX XXXX XXXX branch with the assistance of a banker named XXXX XXXX. 

Since opening my accounts, I have repeatedly received mailed requests from Chase asking for XXXX and " Reason for U.S. Address '' XXXX XXXX  ) forms. I completed and mailed these forms together with the copies of my IDs back to Chase in XX/XX/year>. Additionally, I have personally visited the local branch three separate times during this summer to update and verify my tax documentation, including completing the Affidavit of Unchanged Status. Each time, I thoroughly checked the documents, had them reviewed by a friend who is a tax advisor, and ensured that the banker, XXXX XXXX, also confirmed their accuracy. From our understanding, there was nothing wrong with the documentation. 

However, I continue to receive vague notices from Chase claiming that my forms are incorrect, without any clear indication of which sections or fields or blanks or lines are in error. Despite requesting that XXXX send an inquiry for clarification, I have not received any specific feedback or resolution. The notices I receive only provide general statements, leaving me without any actionable information to correct the alleged issue. 

This situation has been ongoing for over six months, and during this time, my tax withhold status has not been corrected. This has resulted in withholding from my accounts, which I believe should be refunded according to the regulations governing such issues. I am seeking your assistance in resolving this matter. Specifically, I request that Chase be directed to : 1 ) Provide clear and specific feedback regarding any alleged errors in my tax documentation. Tell me which sections or fields or blanks or lines are in error.

2 ) If my mailed documents are correct, please remove the incorrect tax withhold status from my accounts and refund any money that has been withheld during the 2024 calendar year.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/year>, I received an email from Wells Fargo about a {$520.00} bonus for new savings customers ( Bonus offer : XXXX ). Being retirees, and on a fixed income, my wife and I wanted to take advantage of this promotion. We completed the application at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the banker, XXXX XXXX XXXX noted on the application that the Bonus Offer was available. So, on XX/XX/XXXX, we deposited {$25000.00} into a savings account with the expectation that the {$520.00} would be added to our new account after the XXXX designated promotion period. So, on or about XX/XX/year>, I checked the account and found the funds were not added. When we visited the bank, they told us that because we had previously taken advantage of a similar offer less than a year earlier, we were not eligible. I had no recollection of that transaction, but I don't doubt that is accurate because we do try to take advantage of most all offers. However, we deposited all that money in good faith and could have been told at the time of application that we were not eligible. I find it very " convenient '' on the bank 's part, that they used our money for 3 months, yet couldn't find the time to let us know that we would not be earning our expected {$520.00} bonus. Had we known, at any time beforehand, we certainly would have found somewhere else to invest our nest egg. In this modern day of computers, the bank could have let us know immediately of our ineligibility... most likely with just a keystroke. Due to their negligence, we believe Wells Fargo should demonstrate their good faith by providing us the promised {$520.00} that we had been expecting. By not granting this request, the bank 's denial could be construed as either gross incompetence or ... even worse - downright fraud against unsuspecting XXXX citizens!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (MI)

Dear XXXX I pulled a copy of my credit report and noticed some inquiries that are fraudulent I have attached a copy of my FTC report and my Drivers license and social security card. Please remove the following inquiries : XXXX XXXX XXXXXXXX XXXX Sincerely XXXX XXXX