davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (OR)

Received letter from Allied International Credit Corp. stating that I owed XXXX in unpaid debt to XXXX. I have never done business on or with XXXX and so can not owe them anything. Attempts to resolve the problem go unsatisfied and are met with stall tactics and threats.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

This company started reporting on my report as of XXXX XXXX, 2017. I have not received anything in the mail about this debt. In fact, I 'm not even sure its mine. This debt has not been validated. I want it removed from my report.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CO)

On XX/XX/XXXX I purchased a subscription for the product " XXXX '' via XXXX, XXXX ( Vendor ). When making this initial purchase, I used an employer email address to which I no longer have access. 

On XX/XX/XXXX, XXXX, XXXX charged my credit card for another year of service. As I no longer worked at my employer, I was unable to consent or redact my consent for this charge from XXXX XXXX. 

On XX/XX/XXXX Upon noticing the charge, I contacted XXXX XXXX via phone ; at ( XXXX ) XXXX who advised that though they could not find my account via email address, they could find it via the last four digits of the billed credit card. ( XXXX ). They advised at that time they would issue a refund. 

On XX/XX/XXXX no refund was assigned to the account and as such I began a dispute resolution process with my credit card provider, Discover Bank. The dispute was resolved in my favor on XX/XX/XXXX and a credit issued to my card. 

On XX/XX/XXXX Discover Bank reversed their decision, and abruptly charged my credit card for the initial amount without notice, and without any indication as to why Discover Bank changed its resolution decision even though Discover Bank previously rightly determined this charge clearly falls within their Dispute Resolution guidelines. Worse, the re-posted charge to my account had its post-date retroactively applied making the transaction difficult to track as clearly occuring on XX/XX/XXXX.
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

This Collection Company XXXX XXXX XXXX, Purchase this account from XXXX XXXX for a Fraudulent debt of {$380.00}. XXXX XXXX closed the account 5 yrs ago when we found out it was a Open Fraudulent account. I was living abroad on a mission in the bush XXXX XXXX in villages. It was deleted from my credit file 4 times. and comes and goes over the years. XXXX XXXX XXXX has refused my letters and calls, I do not owe this debt. It was found fraudulent over 5 yrs ago. I am very disappointed how I have been handled and the Legal morals of XXXX XXXX and XXXX XXXX. XXXX XXXX also changed the dates of the debt to XXXX 2017 that is Illegal. I want this Identity theft account removed from my report. I also have written the credit burials over 4 times and know help. I should never be punished for Identity theft it has been years of repairing my life.
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On XX/XX/XXXX I was contacted by a representative of Portfolio Recovery Associates. I explained to them I was NOT interested in being involved with a payment program and would only be interested in doing a one time payment and that it would be marked " paid in full ''. We agreed on the amount of {$280.00} and the account was suppose to me marked paid in full. They took the payment on XX/XX/XXXX but it was marked as only a payment on my credit report just as I was lead to believe would not happen. When I called and tried to talk to them on XX/XX/XXXX about the situatuion they told me that they only mark it as paid in full with them but not on my credit report unless I pay them the full amount. That part was not disclosed to me when I agreed to pay them the {$280.00}.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I sent my rent check to my landlord via USPS in XXXX of 2017 - one month later when my landlord told me my rent was late, we realized that the check was fraudulently cashed at a cashier - someone the check was intercepted. I am attaching a copy of the back of the fraud check that was cashed without being endorsed by the company it was written out to. 

My bank ( BANK OF AMERICA ) opened a claim and tried to get the money back from the depositing bank ( XXXX XXXX ) but did not receive a response so they did not give me my money back. 

I attached the fraud cashed check, a cashed check how it should look from my landlord and the letter from BofA saying that they are closing my claim and can not give me my money back even though they know this was a fraudulent check.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

The complaint is between XXXX XXXX XXXX & the XXXX Chase XXXX Rewards Card that I hold.

I purchased a vacation through this service on XX/XX/XXXX in the amount of {$5500.00}, charged in full to my XXXX Chase XXXX Rewards credit card.

That purchased included an itemized summary of Flight & hotel. Ground transportation. And a Package Protection Plan.

The Package Protection Plan cost {$340.00} in premium and policy stated on Page 1, the right to change or cancel for any reason prior to the scheduled date ( XX/XX/XXXX ) for a full refund.

I canceled the trip on XX/XX/XXXXover the phone with XXXX XXXX XXXX and was verbally today the amounts of the refunds that I was set to receive. In no particular order, Hotel was to be refunded in the amount of {$2200.00} Ground Transport was to be refunded in the amount of {$300.00} and Airfare was to be refunded in the amount of {$2700.00}. I would stand to lose the insurance premium as expected in the amount of {$340.00} The amounts {$2200.00} and {$300.00} were refunded promptly ; however the amount of {$2700.00} has yet to be refunded, now four full months later.

Calls to XXXX XXXX XXXX XXXX were made at least 10 times. Documented online requests through customer service are available for review on XX/XX/XXXX. Phone calls to offshore agents and elevated to supervisors on staff were made, notably a saved voice mail on my cell phone dated XX/XX/XXXX indicated that I should not worry ( supervisor ) that the refund and confirmed amount of {$2700.00} was being processed.

XX/XX/XXXX - I wrote a letter to the firm documenting my complaint.

Today,XX/XX/XXXX i logged another phone call to a " supervisor '' again being told that the amount of refund was above his authority, but that he was elevating it to the right level to assure me that it was being processed.

Four month 's later, at an interest rate of over 21 % - I am sure that I have paid well over {$2700.00} I am owed this money without question. The insurance policy that I purchased was purchased indeed to protect me from this very issue. Perhaps I also have an issue with the XXXX Casualty Insurance Company, pursuant to policy number XXXX
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

We are in a Hurricane Irma FEMA designated area ( XXXX  FloridaXXXX XXXX , FL vicinity ). 

Thank you Chase for your XXXX and XXXX deferment grace period. 

We paid our Chase XXXX minimum payment of {$390.00} as requested. 

We are going to need at minimum an additional 1-2 month deferred minimum payment grace period on our Chase credit card ending in XXXX due to the extensive Hurricane Irma damage we sustained. 

Thank you. 

XXXX XXXX
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX This not my address, I never live here. Can you please remove this from my credit report history.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pinnacle Credit Services, LLC (VA)

I had been a customer with XXXX XXXX and purchased a phone with my planXX/XX/XXXX. I opened other lines in addition to the first line. After a couple months my phone screen went black and I was unable to use the phone. When I arrived at the store they dismissed my insurance and complaint of the phone. They then proceeded to sell me a XXXX  additional purchase for a new phone. I canceled my policy and changed carriers. XX/XX/XXXXI received a credit report and a collection of XXXX was owed to Pinnacle Credit Services. I have not received any information on this collection or any communication by phone, mail or email. I called the Credit Services on the number listed and inquired about this debt. The information was inconsistent after calling 4 separate times, with four seperate agents. I am calling to have this removed from my credit report with XXXX charges owed.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (FL)

I worked with my mortgage existing lender Suntrust Mortgage to refinance my house. I spoke to XXXX XXXX to make a long story short. XXXX told me I did n't qualify for the new loan modification but that he can do regular conventional loan and give me good rate and payment would be at {$2100.00} with tax and insurance. I verified with him to make sure that it was correct amount since I was paying before $ 1800+ dollars a month. He said yes and I signed up to refinance. Now he had all my information taxes insurance because they were my same lender. A year later comes, and I get a bank statement under new account XXXX telling me I have a escrow shortage of {$4600.00} and I had to pay by XXXX2018 or my payment would be {$2800.00}. If I did pay it I would still be paying {$240000.00} every month. They were deceptive and to me they committed fraud to get me to signup on a new loan. If they told me upfront the payment would be this much, I would of never refinanced. I do n't have that kind of money saved to pay back outrageous shortage fee and higher payment a month. I trusted this bank to do the right thing. I called them and spoke to XXXX of client solutions at XXXX XXXX XXXX and she sent it to higher management to investigate what went wrong.

This is not a {$100.00} mistake. This is a $ 400.00+ a month mistake and a {$4600.00} bill. What she found out so far was she said that suntrust did n't make a mistake it was a 3rd party they hired. I didnt ' hire the 3rd party. I hired my same back to give me honest deal. I feel I was lied to and fraudulently given a wrong rate to get me to signup with them on refinancing. This shows them doing another loan and now I 'm struck with an outrageous loan. they have to do something. They lied to there consumer.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (LA)

I purchased a mobile home in XXXX for {$40000.00}. I put down {$10000.00} and financing {$30000.00}. This was financed with Green Tree and they have since changed their name to Ditech Financial but it is the same company. 
On XXXX XXXX, XXXX, I will have been paying this mortgage for 20 years. The company now says I still have a balance of over {$16000.00}. 
I requested an amortization and according to this document, most of my payments have gone to interest with zero going toward the principal. When I questioned Ditech, I was told it was because of simple interest which is crazy because I should still have principal payments and not zero. 
According to my calculations, I have paid over {$80000.00} on a {$30000.00} loan. Ditech has sent me a letter stating that I owe over {$22000.00} on this {$30000.00} loan that I have paid on for 20 years. 
So for the past 20 years, this company has only applied {$8000.00} to the principal which is just crazy. 
I need help. I have contacted them and offered a settlement offer of {$3000.00} along with a hardship letter as I am now living on a limited income of {$850.00} per month. They have turned down my offer and asked for {$7000.00} and I have counter offered {$5000.00} but I feel that I have paid them enough. 
They have called me asking when I am going to vacate my home and I told them I wo n't leave. 
Please help.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXXXXXX 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
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Since XX/XX/XXXX I have been attempting to clear up the effects of identity theft. There have been many names, social security numbers, addresses, phone numbers and accounts on my credit reports that are as a result of this identity theft. I also have been made aware that I have a split file that Equifax claims to be unable to fix.

Issue 1 - In XX/XX/XXXX I had a disputed tradeline ( XXXX  ) deleted due to inaccurate reporting. The creditor attempted to delete the tradeline several times, but Equifax did not process the deletions due to the split file problem. This tradeline is now on my 2nd split file only. Resolution requested - It should be completely deleted.

Issue 2 - At the beginning ofXX/XX/XXXXI received a notice from XXXX that my credit score had dropped 200 points. I pulled my credit report through Equifax directly and saw that all of my tradelines were gone, and only 3 new collection tradelines were listed. When I called to find out what had happened I was advised that I had a split file. I have submitted my ID and Social, as well as address information, etc. and Equifax keeps sending me letters saying they are unable to fix my split file. Resolution requested - Immediately fix my split file.

Issue 3 - On XX/XX/XXXX I faxed another fraud block request for these new accounts. Included were my police reports, FTC Affidavit, proofs of address over the last 8 years, driver license, social security cards and a cover letter. I have been advised that this process will take 30 days. I have advised Equifax, in the request and over the phone, that this is a 605B request and that they have 5 business days by law. Resolution requested - Immediately process my 605B fraud block request.
Consumer complaint received 2018-01-17
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. (GA)

Address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX This not my address, I never live here. Can you please remove this from my credit report history.
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

My issue is with you as a Protection agency who is suppose to protect people from bad business practices and 11 years later, it seems that you are probably no more than an F with the BBB. Come on, the student loan SCAM has been going on for years and it still persists and the big question is why. The answer ... $ $ $ $ . There is no other way to look at this. People are sited all over the web on different sites explaining their personal stories and how theyve been misled and stalled when trying to address their problems and the shame is that they have to lean on you ... a created government body to help. Imagine that. Another government body that we have to use to get this done. When I used you for another company issue, you sent my complaint to the company and took their response, closed the case and that was your job completed. What a shame. Do something about the student loan scam since that was why you were created in the first place ... to go after businesses that XXXX people.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (FL)

I have been out of the Country, in XXXX since XX/XX/XXXX ; ( where I am unable to communicate with any American banks, due to the Embargo laws here ), and returned on XX/XX/XXXX. 

While I was away, TD bank excessively charged my Primary DDA account with Overdraft Fees in one of ( at that time I had 2 checking accounts with them. My Primary DDA, was by myself, and the Secondary DDA, was a Joint Account with my Grandson ). The Overdraft Fees that TD Bank charged me for repeated EFTs, were in excess of the ( {$910.00} ) ; they took the remainder of my Social Security benefit, that remained on my account. I was not able to receive any notices, written, or otherwise, to remedy the situation, and even though I DID ADVISE TD BANK AT THEIR CUSTOMER SERVICE LINE ; THAT I WOULD BE OUT OF THE COUNTRY, IN CUBA FOR THE DURATION OF 2.5 MONTHS, ( due to the fact ; that I was getting married. I specifically called them in XX/XX/XXXX, prior to my trip to place a memo on the account. ) TD Bank, not only closed my Overdrawn Checking account ( without receipt of any notice ), but they took portions of my Social Security Deposit funds that were Direct Deposited into my Account at the time ; ( which are, to the best of my knowledge, considered 'exempt funds ', by US law ). 
Not only did they take my money, ruin my credit, and over-charged me excessive Overdraft Charges, they did a " DDA Offset '', against my Grandson 's Student account, and took his University Internship earnings ( without any written notice to him, or me!!! ) When my Grandson opened his Student Account with TD bank, ( for which I was present ), he was never given any notice or disclosures that they would '' offset any DDA accounts '' against his. As a matter of fact, when I opened my DDA & Savings account, no disclosures and terms of conditions were given to me either! They just had us sign what I thought was a " Signature Card ''. Unless, TD Bank placed this disclosure in such " fine print '', as to throw off customer from even being able to read it.
Consumer complaint received 2018-01-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

Hayt, Hayt & Landau, LLC called my husband 's employer without permission, humiliating my husband in front of his boss and peers. He has only been at this job for 3 months and this is phone call damaged his reputation and character. My husband is a XXXX XXXX XXXX ( outside ) and would never take a phone call in the office. 

Hayt, Hayt & Landau, LLC https : //www.haytlaw.com/ XXXX
Consumer complaint received 2018-01-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Union Home Mortgage Corp (CO)

For ten days I have been trying to get modification doucemnts from Union Home Mortgage. The first time they said would take about 48 hours to be email. Nothing happened within this time frame. I called back and it was stated the request was never put in. This has been going back forth for 10 days. It has to be requested and then I was told it could not be email. I gave them a fax number to fax it to and still they are saying it will take 48 hours for the request to go through. Today X/XX/2017 I called again trying to get the documents and was informed of the soame 48 hours request to be sent. I spoke with a supervisor and got the samething and never got to the right person. It was never the modification department. I was informed that the modification department does not take phone calls. They only do modification.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Hello-I typically check my checking account every other day. I just returned from vacation this Sunday XXXX/XXXX/2018 and noticed there were several unauthorized charges. I barely used my debit card while on vacation, and resorted primarily to using my credit card. I called Wells Fargo, and they opened an investigation, however also relayed that fraudulent charges affected my Dad 's account too ( who is a joint account holder ). My online account was  suspended, and I was told I was going to have another debit card reissued and that my account information would change. I called back customer service to follow up ( as it has been three business days ), and have been on hold for going on 1 hour and 37 minutes and told that there are no specialists available. In the meantime, more fraudulent charges have appeared in my account, and my dads. This is an urgent matter as my Mom was socially engineered on Friday from a " Wells Fargo Representative ''. I think this matter should be treated as soon as possible. I do n't have the time to be on the phone with customer service for approaching now 2 hours. Please advise as soon as possible.