davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (MI)

On XXXX XXXX, I received an alert from American Express that they will send a new credit card to me. I called that same day to say I did not order a new card and was told that someone requested that my current card be cancelled and a new card be sent to an address that is not on my card. Amex said they would not send the card, yet the next day I received an email that said they sent a new card to XXXX. For at least XXXX hours I spoke to many supervisors and managers all over the world who would not tell me how this happened. They said that whoever called knew enough about me to be identified as me - but not one of them could tell me exactly what information that included. After many phone calls, I resorted to getting an attorney and sending a letter ( including the FTC complaint and police report ) to the address their operator in XXXX HQ told me to, American Express XXXX XXXX, CEO XXXX, XXXX XXXX Since I sent the letter on XXXX XXXX, I still have no information, or even a response or acknowledgement that they even received my letter, though I have a post office alert that it was delivered on XXXX/XXXX/2016. 
Today I spent more time trying to get someone on the phone from that department, or their legal department, and each time I thought I was being transferred to the right person, again I was sent to a different customer service area. I asked for a supervisor in the customer service area, and was sent to NOT a supervisor. I have spent an inordinate amount of time with a simple request. 
Must I pay an attorney and rely on the legal system to get these details!? This is the poorest excuse for customer service I have ever seen in my life - and from a company I had been doing business with for many years, and I have had multiple Corporate Amex cards. 
Directly after this occurred, I spent a lot of time adding a 7-year freeze on my credit bureau records, and also froze all of my credit cards, investment and bank accounts, alerted the IRS - all of the things I was supposed to do. 
I spent another hour today trying to get information from American Express, and was again told someone would call me back... not hopeful. XXXX later, no return phone call. 
I just want the information requested so that I may take steps to protect myself from this issue happening again, and hopefully expose some security deficiency in their processes so this will not happen to someone else.
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (CA)

I obtained a gym membership with world gym XX/XX/2015. Shortly thereafter I decided to discontinue the membership. In addition to notifying the gym in person I mailed them correspondence regarding my cancelation on 2 separate occasions. The first time with my initial request, and the second after they 'd debited my checking account despite my request for cancelation. I also corresponded with an agent via email regarding my request for cancelation. Months later I received a debt collection notice from Seas and Associates regarding a past due balance. Prior to my request to cancel my membership I paid my balance in full. The gym continued to bill me despite me satisfying my contractual obligation to cancel this account.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (MA)

There were XXXX unauthorized transactions on my paypal Account, XXXX of which was refunded and the remaining XXXX paypal has refused to refund. They were not ebay purchases they were direct money sent on XXXX XXXX and XXXX XXXX. The sources seem to be XXXX and XXXX as XXXX of them is named XXXX XXXX and another is XXXX characters another is XXXX XXXX and the fourth which has already been refunded by the Scammer was XXXX XXXX. It appears to me that they sent out the first XXXX smaller withdrawls of {$100.00}, {$50.00}, and {$100.00} to see if they would go through. They did not, and the fourth charge of {$1400.00} the Scammers themselves withdrew after realizing I had no money in my back account.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In XXXX 2016, our home in Louisiana flooded. We have flood insurance but our mortgage company will not disperse the funds because we are self contracting our home. With this disaster there in limited qualified contractors available and my husband has been in the construction field for over 25 years. It would be senseless to pay someone to repair our home when we can do it and do a better job. The State of Louisiana law states a person can self contract their own home from the ground up or remodeling, one home in a years time. My mortgage company, Capital One, is telling us we can not do our own repairs. We have already started our repairs even before we received our insurance check. We were not going to let our home sit to grow mold. I have gotten so many different stories from Capital One that I do n't even know what the truth is? I was told that XXXX is the reason we can not self contract but what is funny to me is, we did a conventional loan, we did n't do a government funded loan. How can XXXX tells us what we can do? Just yesterday I get another call from Capital One telling me that XXXX wants letters of recommendation from people who have seen my husband 's construction skills. This call comes AFTER we were told we could not self contract!! On XXXX XXXX, we called for an inspection. The inspector came out and told us we were at 40 % with our repairs and we have yet to receive a check. I told the representative who called yesterday for my husband 's references to look at the XXXX pictures the inspector took of our home to see if he is qualified to do repairs she did n't have a response. My husband and I have been paying for the repairs out of our savings, just so we can get our family back in our home. We are running out of money!!! I have pleaded with Capital One and still no results. I can not understand how a company can have control over OUR INSURANCE MONEY? We pay our insurance premiums and we can not have OUR money?? 
By the way we did hire a painter contractor, paid them some money and have n't seen him since. This is why so many people in Louisiana have chosen to self contract. Contractors flew into Louisiana to prey on the flood victims, this is a disgrace and so is Capital One for not giving us our money to complete our repairs.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX, CA. continues to report an auto loan that is in delinquent status which I do not consider to be valid. The account has been paid approximately 3 years ago, and I still see no progress in the correction of this error. This is negatively effecting my credit score, which I need to increase within the month. I am a XXXX in the city of XXXX XXXX, CA. by means of opening my XXXX, a XXXX which will positively impact the labor workforce, and for this reason I am pursuing a loan with the City of XXXX XXXX, CA. Without the credit score increase I may not qualify for the program. Please do look into this and contact XXXX. I need an update of my credit report by XX/XX/XXXX, for I plan on closing on the loan prior to XXXX XXXX, projected grand opening date. 
*Additionally, XXXX XXXX XXXX is reporting a personal loan of {$3000.00} which needs to be researched for I have yet to see any valid documents stating that I owe this amount
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (RI)

On my credit card 's benefits page, it says I should receive " Up to 2 % purchase APR reduction when you make a purchase, pay on time and stay under the credit limit XXXX billing months in a row XXXX 0.25 % per quarter, up to XXXX max ). '' I 've had the card for several years now and I am not aware of when this feature was ever activated. I 've reached out to Citi Cards for information and was told my card was not currently eligible for any reduction, nor could they provide me with when the feature was activated.
Consumer complaint received 2016-07-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MS)

My mother and I were co-borrowers on a home loan that was opened XXXX XXXX through Litton Loan. The loan was later taken over by Ocwen Loan Servicing in XXXX XXXX. During the time that the loan was with Litton we had several issue of payments not being posted correctly or being put in a suspense account. The payments included principal, interest, and property taxes. My mother was contacted by a local business man in XXXX who essentially told her that he owned her house now and that she should start paying him or he would put her out. We found out that Litton had not been paying her property taxes and that he had purchased the home in a tax sale. He wrote a letter to Litton Loan explaining such and drew up a contract with my mother. Litton then sold the loan to Ocwen. My mother file CH XXXX bankruptcy and pursuit of the debt seem to stop. I found out that it was reporting on my credit file and disputed it based on the history and mishandling of the account all along. They started reporting the account as " association terminated '' in XXXX of XXXX and deleted all account history. As of XXXX XXXX I get an update that state that I am XXXX delinquent on the account owing over {$15000.00}. I just gained access to the website and have found that there is no up to date information, statements, nothing. How can I be 180 days late on an account that has no history. The credit reporting alone is a violation. The loan should have never been sold to anyone when the original servicer was mishandling payments and not paying property taxes resulting in a loss of ownership and equity. My mother is now making payments to a person she never borrowed money from.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (PA)

I am on a credit card with Wells Farcgo as an authorized user that I did not sign up for. This is effecting my credit in a negative manor. I have spent over 4 hours on the phone with Wells Fargo trying to fix this. Most of my time spend during this wasted time was verifying who I was and getting transferred and hung up on. They even sent me into a bank branch because they were sure that would resolve my issue. I drove all the way to bank only to be told that they do not deal with credit cards. On XX/XX/XXXX I called XXXX and spoke with XXXX employee # XXXX ref # for call - XXXX - He was supposed to send me proof that I should be on this account and teh proof was never received. Finally, after wasting over 6 hours of my time, I have decoded to file a report.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

My landscaper ( XXXX XXXX ) notified me that he had received a notice, dated XXXX/XXXX/16, from his bank ( Wells Fargo ) that a {$300.00} check that I have given him on my XXXX checking account had been returned for insufficient funds. Since he had deposited the check in his Wells Fargo account, Wells Fargo notified him that they were placing a hold on the funds and resubmitting the check for payment. 
Since I keep XXXX dollars in my XXXX account and have an overdraft protection feature, I went to my XXXX branch to investigate why the item was returned. On XXXX investigation, it appears the check was paid on XXXX/XXXX/16 and not returned for insufficient funds. I find the sequence of events and dates to be highly suspicious. The sequence is as follows : Check written on XXXX/XXXX/16, Deposit Date XXXX/XXXX/16, Check paid by XXXX on XXXX/XXXX/16, Hold notice sent for insufficient funds dated XXXX/XXXX/16. Plus, there is no indication in my XXXX account history of any returned items. I am suspicious that Wells Fargo is placing unjustified holds on customer accounts, as in this case and collecting hold fees as indicated in the notice or use of the funds while not credited their customers accounts.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (LA)

BB & T decided to close a bank account for which I was using their paperless program. Because I was given no warning of the account closure, I do not have copies of my records. I need the information from my account in order to do my taxes. They 're now trying to force me to go to my local branch and print physical copies, for which I would be charged {$5.00} per page and {$5.00} per check. As I had several checks daily, this is an overwhelming amount of money for my small businesses. Also, I do not see the point of printing these records, digital is preferred. The following account is affected. 
Name : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2016-07-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I RECEIVED A LETTER FROM THE XXXX COUNTY SHERIFF OFFICE DATED XXXX XXXX, 2016, ( XXXX NC ) PORTFOLIO RECOVERY ASSOCIATES LLC. FILE A JUDGMENT EXECUTION AGAINST ME XXXX. THE AMOUNT OF {$2000.00}, WITH ADDITIONAL FEES OF INTEREST AND SHERIFF FEES TO THIS AMOUNT, THEY ARE GIVING ME UNTIL XXXX XXXX 2016 TO BRING OR SEND FUNDS THE SHERIFF OFFICE. THEY ARE THREATEN TO WITHOUT DELAY TO SELL ANY PERSONAL OR REAL PROPERTY I MAY HAVE WHICH IS SUBJECT TO EXECUTION. THE DEPUTY NAME IN THIS LETTER IS DEPUTY XXXX
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Every month XXXX XXXX XXXX XXXX XXXX has been doing hard inquires on my credit. I never had any doings with this company or ever gave them permission to check me every month. Please help, have them REMOVE ALL their inquires from all XXXX of my reports or i will sue for XXXX for each. i also signed up to optout this XXXX. XXXX, XXXX XXXX, XXXX Ut XXXX ... XXXX
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I was a XXXX bundle customer and I have terminated my contract prior to XXXX XXXX, XXXX due to a transfer of residence. Months after, I got calls from a collection agency for XXXX saying hat I owe them {$100.00} and some change for services rendered on XXXX XXXX, XXXX to XXXX XXXX, XXXX. For an address that I am not living in anymore. They are charging me for services we did not use. When we called them about it, they said they will fix it and make sure it 's taken care of. Today, XXXX XXXX, XXXX, I am applying for a new lease for a new property and that amount shows up in my credit report, essentially increasing my deposit requirement!
Consumer complaint received 2016-07-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (GA)

I have been living in XXXX since XX/XX/XXXX and was never contacted by Midland Funding or XXXX XXXX XXXX, their New York legal representatives. In XX/XX/XXXX there was a judgement entered against me in County of XXXX court which, in turn, was added to my public records on my credit report. 

After requesting a copy of the procedural filings in XXXX County ( where I used to reside with my parents ) I noticed that the process server, hired by XXXX XXXX XXXX, falsified service to my mother. My parents moved from that house to XXXX prior to the alleged date of service on the court records. The description of my mother is XXXX inaccurate. 

In order to get this removed from my credit report I must pay an attorney {$1500.00} to take the case, which I can not afford to do at this time. After reading horror stories online I realized that I am not alone. XXXX XXXX XXXX, in addition to Midland/Encore, are deceitful in their business practices and should be forced to pay penalties for unjustly destroying the credit of XXXX Americans.
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a Capital One Credit Card account that was opened in XXXX and paid and closed in XXXX. Recently Capital One reported my account to the credit agencies as a charged off account. I contacted Capital One and the representative stated that the information was a mistake and the derogatory account with be removed the credit reports. I recently checked my reports again the information is still appearing on my reports. Once again I contacted Capital One and another representative stated I owe {$1800.00} I stated this account was paid in full at the bank. I send Capital One the receipt and about 2 1/2 weeks later they apologize ancestors once again the stated the the information will be removed from the reports.
Consumer complaint received 2016-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (VA)

I have been trying to get my loan that is currently consolidated with ACS-Education Services to be transferred over to XXXX which is the student loan forgiveness program through the government. They will not release my information to the company, I have made many attempts. I have even made a complaint to the XXXX Group who is still trying to retrieve information from them with no success. They keep raising my IBR payments when I submit my paperwork or they lose it and say that I have n't sent it in. I have really had a hard time with this company for some years now and it seems that I 'm not the only XXXX. I am in a waiting period to see if the Ombudsman group can find out whats going on. In the meantime my information is not being put in the system correctly when XXXX has tried to retrieve the loan or they keep changing my status. I have been billed for this month on the XXXX but for everything that I have been through I feel that I have to refuse to pay until they release my loan to XXXX. I 'm on here because I do n't want ACS to mess up my credit while going through this.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in abroad ( XXXX ) since XXXX XXXX until to date. As I 'm planning to visit US again, I tried to activate this card online, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to credit agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue. 

Regards
Consumer complaint received 2016-07-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (OH)

After 4+ years of perfect transactions and feedback, I get a " reserve '' of {$15000.00} placed on my account. They are holding $ XXXX+ currently I am asking that Paypal remove the {$15000.00} " reserve '' they want for me to continue to do business with, and to allow me access to the $ XXXX+ that is currently being held. I have never had a chargeback or any issues. I have NEVER had {$15000.00} in my account at one time, so to ask me to put that in to continue doing business is crazy. I have had a surge in sales and explained all this to the lady I spoke with at Paypal, I have sold these products for 3-4 years now WITH NO PROBLEMS! 

Currently, I can use my account to accept payments, but ca n't spend/use it until I have over {$15000.00} in it. Why would I continue to accept payments when my next {$9000.00} in sales ca n't be accessed? 

I sell on XXXX different sites and XXXX/XXXX different product lines, so this " hold/reserve '' is going to destroy my other lines of business as I ca n't pay my distributors for products that need to be shipped. 

I am asking that this reserve be removed and I can continue to conduct business as usual. If you choose to discontinue business with me is fine as well, however I need this release of the $ XXXX+ release and I will withdrawal it. This has been a detriment to my business.
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (PA)

A 5 year old account ( with XXXX, which was removed from my credit file a year ago ) is now being reported on my credit report by Debt Recovery Solutions. I 've never received any information from this CA relating to this debt. The information they are reporting is inaccurate ( dates ). They are reporting the account was opened in XXXX. The original XXXX account was closed in XXXX XXXX and a refund for final payment over-payment was received from the original creditor ( XXXX ), yet 6 months later, XXXX began reporting on my credit reports that I owed them {$260.00}. I refused to pay it, as initially stated, the account was closed with a slight over-payment and I was refunded. Sometime in XXXX the original reporting was removed from my credit file. XXXX XXXX, XXXX Debt Recovery Solutions appears on my credit file as a collection account on behalf of XXXX. DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Did not contact me regarding this debt, including offering me the right to dispute the debt before reporting to the credit agency ( ies ).