davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

Another discrimination case proving Wells Fargo XXXX is Highly Opposed to People on Fixed Incomes who are also XXXX. I logged on to wells fargo.com whereby my husband wrote a secure email REQUESTING A REPLACEMENT Check/Debit CArd because his strip does not work and card is physically cracked. The wf c/s rep.did not read correctly the message so she ordered me a NEW card in ERROR. I tried writing to this rep to explain her error, but she still did not understand. How sad. Then a different rep contacted me telling me my husband had to request the card himself. I wrote back and told him, MY HUSBAND did request it himself ; he would understand that if he read it English. Then he tried to tell me my husband has to submit the request by logginin online himself. In our house we all use same email, and same login for wells fargo for allof our accounts. So Sorry if he does not like the way we handle things, but that 's how we choose to do business, and we have NEVER been told we could not do things this way. 
See documentation of back and forth communication via secure online email. The last emails I do not have a copy of but wells fargo XXXX does. Finally we got a change to stop by the local Wells Fargo bank at XXXX mall to have him in person request it. XXXX XXXX waited on us and she checked online notes in system, NO ONE EVER ORDEREDhis replacement check/debit card. So gave him a temp card, plus ordered replacement. When my new check card arrived XXXX ) which was ordered in ERROR, my ATM w/d limit is {$510.00} and my daily pos limit is only {$1500.00}. When XXXX check/debit card finally arrived XXXX the ATM w/d limit is {$310.00} and HIS daily XXXX limit is {$2500.00}. Wow our account together barely gets used for {$300.00} per month. Yet my checking account which ends in XXXX is seeing transactions per month in excess of {$2000.00}!! So why is my POS daily limit so low and ours together is so much higher???? More discrimination proof. See my other Auto Refinance Loan Case Currently OPEN with Consumer Protection Bureau. see attached documentation
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Niagara Capital Recovery LLC (CA)

My complaint is about Niagra Capital Recovery - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car you drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to NCR XXXX Niagra Capital Recovery XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. NCR has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Trying to work with banks that hold the lien to my clients property. My clients XXXX borrowers ) have to short sale this home because as a rental that tenants were not paying the rent and that put my clients behind also had maintenance issues that came up that the borrowers did not have funds to fix. We got approval from the first who is XXXX after 5 months. So now the XXXX lien holder who is Chase is denying the approval because they are saying that purchase price is too low. The first is giving Chase {$12000.00} to move forward but this does n't seem to phase them, XXXX Chase XXXX as they areare more concered about inccreasing purchase price?! Does n't make sense why second lien holder would not take what I believe is a generous offer from XXXX. My clients are besides themselves. They really thought that we were so close to closing. They have run out of chances! We need assistance please.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Best Service Co.,Inc (CA)

I was in default on a loan XXXX. XXXX Bank sold my loan XXXX, based in XXXX XXXX, CA in 2011. I have continually asked XXXX to provide me with statement indicating my balance and the interest rate that I 'm paying. They do not provide me with anything. I have tried to contact them via the link on their website so that I might have something in writing indicating that I have made this request many times. The link does n't work. I have called and asked for a statement and settlement amount and my " representative '' told me I was rude for asking, he would not give me a settlement amount, and hung up on me. I called again and asked for a direct email address to his supervisor as well as his supervisor 's name. He hung up on me. The balance on this loan does not appear to be decreasing. I have first tried to file a complaint with the XXXX in order to get the simple paper statement and settlement amount I have asked for. XXXX has a D- or F rating with the XXXX and they will not accredit the company. I am at a complete loss as to what I can do. I would like to settle this balance as soon as possible so I can start to work towards improving my credit rating which dropped so precariously several years ago when the economy turned. I can not settle this balance and be done with this collection agency if they wo n't respond to my requests and continue to hang up on me.
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: TD BANK US HOLDING COMPANY (CA)

My complaint is about XXXX XXXX XXXX - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car XXXX drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. XXXX has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.
Consumer complaint received 2015-08-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

I have filed for a loan modification and was just recently informed that it was denied because I took to long and did n't have the money to make the 31 % money in excess. Now I have been waiting for a period of over a month to be told that my paperwork was put in late but I went through a credit counseling agency that looked over all the paperwork, submitted for me. If it was n't for the mortgage company taking their grand old time telling me over and over I was missing documents, the paperwork would have been out arrived in time and they never mentioned that to the credit agency that submitted the paperwork. 
For the last month I called and was kept being told it was in review. However on XXXX XXXX I was told it was denied. The practices of this mortgage company to me are morally dishonest because they said if I came up with XXXX dollars then they would work with me. 
None of these do called programs have been able to help me and my wife and I are both XXXX and now will be evicted from our home. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXXXXXXXXXX could help us, I find that totally unbelievable.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit is trying to claim a debt was opened in XX/XX/XXXX when in fact the service with XXXX was discontinued in XX/XX/XXXX due to the fact that the area I lived in had no service at all. I switched to XXXX with only 2 months left on a 2 yr contract. They are claiming the debt was opened in XX/XX/XXXX but this is totally false, this to avoid the fact that they are well past the statute of limitations for the state of Florida and they know it. This debt was over 3 yrs old when they first filed it in XX/XX/XXXX and if anything the amount owed would have been 2 months not the price of the full 2 yr contract. In XX/XX/XXXX all debts were cleared while applying for a mortgage. I demand documentation from XXXX as proof that we had any open accounts with them after XX/XX/XXXX, I have not spoken to or verified any debts with them in order for them to start the clock running again. They buy old debts and then add hundreds of dollars to the original amount and keep updating it as a new debt on my credit report.
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a case of identity theft listed on my credit report from XXXX totaling {$350.00}. I disputed this information and it was once removed from my credit report and now the reporting agency has added the charge back onto my report causing my credit score to drop drastically. I did speak with someone at the company and they gave me the address to where the services were set up using my identity and I am familiar with the person that lives at the address. I explained this to the credit reporting agency and they advised that they may be able to help me. I think it is unfair for them to a resubmit the collections after it was removed once before by the credit bureau.. Especially since it is not my debt in the first place. 


Thank you, XXXX XXXX
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried to dispute information that is being reported by Kohl 's credit card as being inaccurate by calling Kohl 's credit department multiple times. Kohl 's marked my credit report as being XXXX months late. Even though I told them it was n't my fault and I believe the fault lies more with them ... the reason being because I am signed up for paperless statements and emails all went to my vast junk mail without me ever knowing, because Kohl 's sent me an excessive amount of spam email in a short amount of time, my email service considered Kohl 's junk mail by default. Kohl 's blamed me and said they would not dispute the marks against me, even though I was acting in good faith and trying to work with them. Kohls ' options for paying my bill make me very nervous because I had to give my routing and account number over the phone which I was hesitant to do for a long time. Also my Kohl 's account number is hidden on the statement and they refused to give it to me over the phone, so I could not pay the bill in a manner I felt to be safer such as online bill payment ( where my bank has an account designed specifically for paying bills in a protected manner ). I can not believe Kohl 's policies on this. They need to be more respectful of the amount of excessive emails they send and they need to supply their customer 's their account number so the customer can pay in a comfortable safer manner. They also need to take a customer 's dispute more seriously, because the laws now are very strict in when it comes to a consumer making a genuine dispute and I felt I was treated unfairly, abused and being denied information. What is worse is my life is being negatively impacted this because I tried to get pre-approve for a mortgage and got denied and the banker mentioned Kohl 's! This credit card balance was approx. a small amount of {$150.00} and is now paid including late fees. I 'm getting denied from being able to buy my first home and starting my life as an adult because of Kohl 's abuse of financial power after lack of concern for their customer 's credit report for an error that occurred because of their excessive email spamming. ( screenshot proof of excessive email attached ).
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TN)

I pulled my credit report and noticed that this company has reported that I owe them money and to best of my knowledge I have never received any service from them nor have I signed a contract stating I would. I was not afforded with challenging or disputing the debt in accordance with the law.
Consumer complaint received 2024-11-12
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. (MO)

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I have complained multiple times in reference to my federal consumer rights being violated by Transunion XXXX reporting. I will have attached below Transunion response to one of my complaints stating I need to verify my identification. I have already sent in all the information they needed to verify me and have the receipt with CFPB complaint # XXXX. Also, I have a recorded phone call with Transunion of them stating the received all the necessary documents to verify my identity. I still intend to pursue Arbitration for negligence and federal consumer rights violations Transunion is committing.
Consumer complaint received 2015-08-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My complaint to XXXX about Bank Of America/MBNAas advised by XXXX XXXX XXXX and because the complaint was not undertheir jurisdiction. The XXXX actually referred the Bank OfAmerica/MBNA to my complaint which they did attended to but along the linethere was no further response from them. 

The Vice President of the Bank of America/MBNA XXXX XXXX XXXX wrote inin reply and other Customer services staff requesting for proof of my accountdetails and online account setup and it was sent to them appropriately, afterwardsthere was no reply to my submissions despite several reminder emails. 

Please, help to make them respond to my emails and reminder notes
Consumer complaint received 2015-08-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (TN)

On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems LLC ( Original Creditor is : XXXX ). After several failed attempts to contact Jefferson Capital Systems LLC by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did Jefferson Capital Systems LLC never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that Jefferson Capital Systems LLC is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on XXXX statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time Jefferson Capital Systems LLC increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.
Consumer complaint received 2015-08-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I have XXXX minor dependents and I have desperately attempted to complete a HAFA short sale with Wells Fargo. My loan was originated by XXXX XXXX. It was a Pick-a-Pay interest only loan. The payments escalated higher than the market rate. I lost my job and experienced a series of hardships. I was denied a loan modification and have requested a HAFA short sale so that I can relocate with my children. I have been forced into bankruptcy because the legal track has not halted or slowed down while waiting for an answer. I was told the Texas office had to handle this matter because of XXXX and this could not be uploaded in the XXXX system. I have yet to receive the approval needed and the new school year is beginning. I have a viable cash buyer and I have performed every pre-requisite needed to fulfill the criteria of a HAFA short sale. This has been my only homestead for the last XXXX years and I would like to resolve this matter.
Consumer complaint received 2015-08-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Atlanticus Services Corporation (TN)

On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ( Original Creditor is : Tribute ). After several failed attempts to contact XXXX XXXX XXXX XXXX by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did XXXX XXXX XXXX XXXX never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that XXXX XXXX XXXX XXXX is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on Tribute statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time XXXX XXXX XXXX XXXX increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.
Consumer complaint received 2015-08-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Law Office of Rory W. Clark, APLC (CA)

Sunday night the XXXX of XXXX when the process server asked for me at my apt., upon my flatmate XXXX XXXX refusal of acceptance the process server said " XXXX is being sued by XXXX XXXX XXXX '' and the process server dropped the stapled summons ( no envelope ) face up flat on the doormat. 

AGAIN : Improper contact and sharing of info. My flatmate was advised of the content by the process server and had opportunity to read it. XXXX now is concerned I can not pay the rent and is planning to move out into a more stable living arrangement depriving me of needed income. This is a tort of economic interference.