davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Diversified Consultants, Inc. (CA)

XXXX has sold a debt they believe to be valid to a collections agency. That agency has repeatedly called me at approximately XXXX, well outside of acceptable times. The collections agency claims they are calling based on the phone number on the account being a number located in the XXXX Zone, but the account with XXXX has always had, and continues to have, a mailing address in XXXX, CA, located in XXXX XXXX. There is no reason that the collections agency should be contacting me outside of XXXX to XXXX XXXX XXXX, given that they clearly have my correct address and location. 

As evidence, I have presented a screenshot of recent calls over a 2 day period from the number claiming to be the collections agency. If necessary, I can provide evidence through XXXX XXXX XXXX current provider of the phone number being called/harassed ) of dozens of calls, every weekday for several months.
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Wanted to close my bank account @ XXXX bank. I was told there is a fee for closing account of {$50.00} to close the account plus other service fee. After being on the phone for 2 hours trying to get this resolved, I get the vague answer that within banking guide lines that they have to charge a fee. Got a run around where they have transfered my call XXXX times and the XXXX agent said they could waive the fees. I originally open this account XX/XX/XXXX when it was XXXX bank and now XXXX
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

We just received a dismissal of bankruptcy in XXXX of this year. The next month we recived a call from Select Portfolio stating that our mortgage payment was late. I called to find out what the problem was and was told that every payment we had made with them fro the past year ( they took over the loan from XXXX XXXX XXXX, 2013 ) was late. I stated that we were current with our loan, and have subsequently spoken with them XXXX more times and told to get a payment history, and they just have the same answer every time. 
We did recive a letter from XXXX in XXXX of 2014 stating we has a late payment at some time in the previous 12 months. I called the number provided but they would not talk to me about it because we were in bankruptcy. We also were getting the " pay for performance '' incentive until XXXX XXXX.
Consumer complaint received 2015-10-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

on XXXX XXXX, 2015 there was an ACH transaction withdrawal from my account without my permission for {$750.00} to a company bamed XXXX. this ACH transaction caused my business account to go into a negative balance. when I noticed the transaction on XXXX XXXX, 2015 I immediately called my bank and spoke to the claims department. I explain the situation that this was a fraudulent activity that I have no knowledge or no relations to XXXX or the bank that was involved as well named fifth third Bank in Michigan. XXXX XXXX filed the claim XXXX XXXX filed the claims for me and told me I would receive a refund in 12 hours or up to 1 to 2 business days. When I followed up on XXXX XXXX, 2015 with XXXX who holds my business account at approximately XXXX XXXX I was told that my claim was denied because I needed to make a claim within 24 hours of the transaction. before finding out that my claim was denied I have been going back-and-forth with the XXXX the claim department and the claim department from fifth third Bank. From here I was able to claim the company ID and the trace number in regards to this transaction. after finding out that my claim was denied I had spoke to my branch manager at XXXX to have a representative called the claim department in regards to the situation. I was able to retrieve my contract that I had signed with the business account. On Monday, XXXX XXXX, 2015 I have to call the XXXX claim department and they will be contacting fifth third bank with me on the line in regards to this transaction. I have filed a claim two times more after the my claim was denied.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (PA)

I have a Paypal account and Paypal Credit. I have logged into Paypal several times to have it default payments to XXXX of my credit cards but when I use PayPal to purchase something it always defaults to Paypal credit and I have to go to the extra step of changing it to my credit card. Several times it did n't give me the option of changing it. Today I received a phone call saying my Paypal Credit was past due. I never received a statement either by mail or email from them saying I owed money. I do get an email from Paypal, but it always says I have a {$0.00} balance. I called Paypal today to find out what was going on and got no satisfaction. When I told them I wanted to close my Paypal Credit account I was told I would have to pay a {$35.00} late fee in addition to a {$64.00} account balance. I think that this company is dishonest and deceptive in their dealings with me. I believe that they do this to all of their customers.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XX/XX/XXXX I was approached in XXXX XXXX while waiting to board a XXXX Airlines flight and asked if I would like to earn free XXXX flights by signing up for a credit card. I asked if the credit card had an annual fee ant the sales person said there was no annual fee and there would be no annual fee. On that basis, I applied for a XXXX branded credit card issued by Bank of America by giving the salesperson which he entered into a tablet. Over the course of the next year, I accumulated over XXXX points ( miles ) which could be used to reduce the cost of airfare with XXXX Airlines. In XX/XX/XXXX, I received a letter from BoF thanking me for being a customer and informing me that a {$59.00} annual fee would appear on my XXXX credit card bill. I immediately called Bank of America and they informed me the charge was XXXX Airlines responsibility. Tey even gave me the phone number and phone tree sequence of number to reach XXXX. Upon calling XXXX, I was informed the charge was not theirs, but would be generated by BoF. Whin I called BoF again, they acknowledged the charge was an annual fee for that particular credit card. They refused to waive the fee and reminded me I would lose all benefits if I cancelled the card. Having been backed into a corner, it appears the correct economic decision is to bite the bullet, pay the annual fee, and use the miles as quickly as possible before cancelling the BoF credit card.
Consumer complaint received 2015-10-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Helm Associates (PA)

TO WHOM MAY CONCERN MY NAME IS XXXX XXXX, IM WRITING THIS DISPUTE WITH HELM ASSOCIATES # XXXX 'M REQUESTING TO HAVE THIS ACCOUNT REMOVE FROM ALL TREE CREDIT REPORTING AGENCY.I NO LONGER HAVE AN ACCOUNT WITH HELM ASSOCIATES.I HAVE RETURNED THE XXXX GRAND MARQUIS.I PAID XXXX FOR IT AND THE BLUE BOOK VAUE IS BETWEEN XXXX TO XXXX.THIS COMPANY IS A RIP OFF, I DONT OWE THEM ANY MONEY. HELM ASSOCIATES WORKS WITH XXXX, THEY ARE GIVE THE CAR BACK TO XXXX TO SELL AGAIN.MY DEBT I HAD WITH HELM ASSOC IS PAID IN FULL.PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AS SOON AS POSSIBLE.THESE CARS ARE OUT DATED AND BARELY RUN GOOD.PEOPL ARE BEING TOOKEN ADVANTAGE OF.THIS IS NOT THE FIRST COMPLAINT AND I DOUBT IT WILL BE THE LAST.I SPEND TO MUCH MONEY ON XXXX COMPANY HAS CAUSED ME TO BECOME HOMELESS.THEY ONLY OFFERED TO TRY TO GET ME TO KEEP THE CAR AFTER I WAS ALERTED ABOUT HOW THIS COMPANY IS RIPPING PEOPLE OFF.ITS A SHAME AND SOULD BE AGAINST THE LAW FOR THEM TO WORK WITH XXXX ANS SALE THESE OLD RUN DOWN CARS. I THINK THE XXXX SHOULD KNOW ABOUT THIS COMPANY AND SHUT IT DOWN.I DO NOT OWE HELMS ASSOC ONE CENT.I WAS TOLD THAT CAR WAS WORTH XXXX AND NOT EVEN WORTH A TRADE. PLEASE REMOVE THIS FROM MY CREDIT FILE. THANK YOU COMPANY HELM ASSOC XXXX XXXX XXXX XXXX PA,XXXX XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXDate Opened:XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXXXXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2017-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

ON  XXXX   XXXX ,  2017 I pulle d my CR from all  XXXX  major bureaus (  XXXX ,  XXXX ,  XXXX   ) and  noticed that a ERC  ( Enhanced Recovery Corp, LLC ) was listed on my CR as a debt collection and   that it was established in  XXXX   2017. I h ave never had any accounts with " ERC '' and have signed in to no binding documents or contracts with ERC or any of it 's affiliates.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (TX)

On XXXX XXXX, 2015 I sent Convergent Outsourcing, Inc. a validation letter for a debt they claim I owe. On XXXX XXXX, 2015 I received a verification letter and not a validation letter. I am requesting they send proof of the debt. The document they sent me does not provide enough information that I requested.
Consumer complaint received 2015-08-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Three years ago, I opened a 36 month CD with USAA and a 36 month loan secured by my CD. The maturity date of the CD and the loan payoff date was XXXX XXXX, XXXX Per agreement, funds from the CD would be eligible for withdrawal on XXXX XXXX, 2015, with any remaining balance on the secured loan to be paid from the CD with any remaining balance after deposited into my USAA checking account. 

On XXXX XXXX, 2015, I electronically signed into USAA to cash out the CD and pay the balance of the secured loan. Upon log-in, I discovered that USAA had already taken the loan payment from my USAA checking account, which resulted in an overdraft of appx. {$7700.00}. I then attempted to withdraw the funds from my CD to cover the overdraft, but the USAA system would not allow me to access my account. 

Naturally, I called USAA and informed representatives of the situation, and I made the following requests : 1. I asked that USAA please RETURN the {$9500.00} they had TAKEN from my checking account and applied to the loan. USAA representatives could not ( or would not ) reverse the charge. 
2. I then requested my CD funds be released and deposited into my checking account as to cover the overdrawn funds. USAA representatives could not ( or would not ) provide me access to my CD account or money in the account, although the CD had matured that day. 

Moreover, USAA representatives agreed that my account was overdrawn in error and that the loan balance should have been paid with monies from the CD against which the loan was secured, and they were BAFFLED as to why I could not access my CD or withdraw the funds, but they had no suggestions or apparent means of resolve. I was a told that the money withdrawn from my checking account was a " systems '' issue and irreversible. I was also told not to " worry '' as the " system '' would return the overdrawn funds to my checking account by XXXX XXXX XXXX, minimizing the possibility of more overdrafts. 

RESULTS:1. A negative checking account balance that could not be reversed by USAA nor covered by me, because USAA would not give back the {$10000.00} I had invested 36 months prior with the good faith understanding that I could withdraw the $ XXXX and accrued interest on the CDmaturity date of XXXX XXXX, 2015. 
2. A secure loan DUE but NOT PAID because USAA had overdrawn my checking account and blocked my attempts to withdraw the CD funds that would have covered the overdraft and paid the loan amount due. 
3. NON PAYMENT of four checks posted to my checking account that subsequently bounced, due to the overdraft CAUSED by USAA, and the REFUSAL on the part of USAA reps to reverse the overdraft that USAA made in error or give me access to the CD funds that were due to me that day. I will provide documentation with exact amounts and dates, if needed.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have recently reviewed my credit report and found inquiries that I did not authorize, which I believe are the result of identity theft. These inquiries are negatively affecting my credit score, and I am requesting their immediate removal from my report. 

The unauthorized inquiries in question are as follows : XXXX XXXX XXXX  ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX  ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX ( Finance ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX  XXXX. ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX  ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX ( XXXX ) XXXX XXXX  Date : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Date : XX/XX/XXXX ( XXXX ) XXXX XXXX  Date : XX/XX/XXXX ( XXXX ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

While reviewing my TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiry conducted by XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry and this gross negligence on the part of XXXX employees is a serious breach of my privacy Act and in violation of FCRA Section 1681 b ( c ). 
I did not sign any written consent authorizing employees of XXXX to view my credit report for any purpose, thus, the inquiry was an illegal conduct.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Hi. I have a student loan thru XXXX for {$7500.00}. Recently XXXX XXXX XXXX did a name change/update that now reports a student loan owing {$7500.00} to them in addition to the XXXX student loan. I contacted XXXX and they agreed that a single loan was being reported twice XXXX same balance, same acct #, different name ). They agreed to remove the XXXX loan. They did for one month and then it reappeared on my Transunion report. I contacted them again and they agreed. Same result, gone then back. Then I contacted Transunion and they did an investigation which resulted in Transunion deleting the duplicate loan. Then the following month is was back on. I just got off the phone with Transunion and they said they will start a dispute. I asked if I win what measures will Transunion take to make sure this stops. He said none. They are powerless to regulate what info appears on my report since it is only reporting the data, not generating the data. That is not acceptable. This has been going on since XXXX ...
Consumer complaint received 2015-09-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a loan modification from Bank of America loan on XXXX/XXXX/2010 currently owned XXXX. I never received XXXX HAMP Modification - Borrower Incentive XXXX as on the site XXXX XXXX ) '' If the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by 6 % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} XXXX {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 
I would like the {$83.00} per month borrower incentive applied to the principal of my loan for 5 years then on the XXXX anniversary I would like the {$5000.00} applied to the principal.
Consumer complaint received 2015-09-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

Foreclosure sale date of XXXX IS OF THE ESSENCEMy financial situation has changed, as of XXXX, that I can afford my mortgage. 
Request for a modification package on XXXX has NOT been mailed, emailed, XXXX, nothing.
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valentine and Kebartas, Inc. (OH)

I owe a bill XXXX from early cancellation of contract for {$1000.00}. A debt collection agency, Valentine & Kebartas, contacted me on XXXX XXXX, 2015 to arrange payments for this debt from phone number XXXX. The employee of theirs setup payment arrangements of {$25.00} a month which I paid on the XXXX of every month until suddenly I received a call XXXX XXXX stating that the payment arrangement did n't count because the employee was never authorized to setup such an arrangement and has been fired and that I needed to either pay the whole balance or split the remaining {$1000.00} into 6 monthly payments. I explained to them that I should n't be punished for XXXX their employees mistakes and that an arrangement had been made on a recorded line and that I refuse to agree to a new arrangement. I was transferred to the night shift supervisor around XXXX XXXX who said he would keep the payment arrangement the same and transfer it to his accounts and would just call me the XXXX of every month to collect the {$25.00}. I woke up this morning to a missed call again from this agency XXXX and then received another call XXXX stating that their is no payment arrangement and that I need to pay the balance in full or break the now {$980.00} balance into XXXX monthly payments. I again asked for a supervisor and spoke with XXXX, who stated that there is no payment arrangement and he is the one who approves all payment arrangements and that {$25.00} a month is not acceptable and that is why the payment arrangement had been cancelled. I asked him how he could cancel an arrangement that had been okay for past 3 months and he said that it did n't matter that I needed to setup a new arrangement. At this point in time I told them I would be contacting the government because they made an agreement on recorded lines and are breaking them and making false representations. He explained that collection efforts and calls would continue until I agreed to more than {$25.00} a month because that amount is not acceptable and then said okay in reply to me filing a complaint and hung up. I do not believe this should be allowed or else what is the point of having agreements if they can simply break them twice in one month and then act like I have no choice but to accept a new arrangement at 6 times the original payment amount!
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (AZ)

I tried to open a checking XXXX Classic checking XXXX account in santanderbank via online. Provided all the required information plus initial amount of {$250.00} to open the account. Also uploaded Driver 's license, other bank statement, utility Bills ( internet and electricity Bills ) scanned versions. But after few hours come to know that they have declined the application with some weird reason that " We regret we can not open your account and/or add your name as an owner/signer to an account with Santander Bank, N.A. 

We were unable to verify your identity or other personal information at this time. Please visit a Branch to complete your application. '' What??? 
I was suppose to get {$150.00} in 90 days as a new account opening bonus after satisfying few conditions. Why they could n't open the account - it 's a big surprise to me. 

Later I sent them inquiry regarding this which they were suppose to respond back within 24 hours which i have n't heard of till now.