davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX ( aka XXXX XXXX ) ( AKA XXXX ) contacted us on XX/XX/XXXX to supposedly update our account since it was quiet since 2015. We perform Broker Price Opinions ( BPO 's ) as a side service for real estate firms. XXXX XXXX asked for our " updated '' credit card info, and unfortunately, my wife did provide it on that incoming phone call. 
Turns out we did NOT do business with this company XX/XX/XXXX. My wife found no activity with them in the past, though we HAVE done BPO 's successfully with other agencies. 
My wife also looked up the SCAM reputation of this firm and decided to cancel any further involvement. When she called back THE SAME DAY, no one answered the telephones at XXXX XXXX. No one answers our email. They did charge our credit card {$440.00} that day. 
We have three times told our bank ( CITIBANK ) it is FRAUD, but when CITIBANK contacted XXXX, XXXX told the bank that we have a " current account in good standing '' with XXXX and LDG does not give refunds. 
1. XXXX still will not answer our calls. We have tried phoning and emailing many times since XX/XX/XXXX. We have attempted to cancel an account that never existed in our emails. How can we communicate? 
2. CITICARD/ CITIBANK has twice provided a " CONDITIONAL CREDIT '' but each time has taken back the credit. The bank says we are responsible because of what the merchant told the bank. As of XX/XX/XXXX, the bank is refusing to help us further. 
We have notified the XXXX XXXX, the Colorado State Atty. General, and also the Colorado Division of Real Estate.
Consumer complaint received 2016-06-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cohen McNeile & Pappas, PC (KS)

I am writing on behalf of my sister. She is a permanently XXXX veteran and has n't owed a credit card since XXXX, and the highest limit on her card at the time was {$500.00}. She received a letter from XXXX XXXX on XXXX XXXX. I recognized the number on the letterhead from our phone logs, all we knew until this letter was that it was an autodialer that would play classical music for 15 seconds or more on our voicemail 2 to 3 times a day. The letter claims that she has a XXXX XXXX balance of over {$5000.00} ( no information from which bank they are representing nor dates pertaining to when this card was opened/closed/etc., that they are willing to settle for an undisclosed amount via check, cash or money order by XXXX/XXXX/XXXX or else the full amount is going to be withdrawn from her bank account. 

First problem is her funds are exempt, her only income is social security and VA compensation. Second problem is that as far as we know we have not gotten a subpoena to go to court, so if there is a default judgment against her account, we were not given an opportunity to come to court to protest the debt, if this debt even exists. Third, 10 days to respond, pay up or else does n't sound like a legal statement for any law office to mail out to anyone. My sister does not have a lot of money and not physically or mentally able to deal with this. Any withdrawals by this firm without giving us any time to validate or dispute the debt, would be devastating.
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (NY)

I received a letter from P & B Capital Group , LLC regarding a debt in which they say is mine but can not prove. So I sent a certified letter declaring that they cease all communication. I inserted the letter below. And still they keep calling me asking me about this matter. They also reported it to the credit bureaus. They are in strict violation here and have to remove any information from my credit reports and stop harassing me over the phone. 

Letter sent to the Company in question ; XX/XX/2018 P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : [ File # ***** ] To Whom It May Concern : I am writing to request that you stop communications with me in accordance with my rights under the Federal Fair Debt Collection Practices Act, as well as other federal and District of Columbia laws and/or New York State laws.

Please be aware that, I am judgement proof, my income is free and exempt from distraint, attachment, levy, or seizure and sale on execution or decree of any court in the District of Columbia and/or New York State because it is from : Social  Security ( XXXX/SSI ) I request that you cease all written and verbal communication with me. I am aware that if you continue to contact me after receiving this letter, it is harassment in violation of the FDCPA. I may contact legal counsel if you violate my FDCPA rights. This letter is not meant in any way to be an acknowledgment that I owe this money. A certified letter will follow this letter. Thank you for your cooperation. 

Respectfully submitted,
Consumer complaint received 2016-07-20
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JAMES B. NUTTER & COMPANY (HI)

Debt collector falsely represent that they are attorneys and continues to harass and take illegal actions to force payment of an alleged debt. 
Debt collector is a replacement of a previous debt collector who withdrew from an illegal court action, after being demanded to validate the alleged debt in which they could not. 
Present debt collector has not validated or verified the debt. I have repeatedly demanded validation and verification to no avail.. 
Debt collector has been demanded to cease and desist but continues to use private information, nonjudicial action to dispossess consumer of personal property, communicate harassing letters threatening to evict and take property, and mail communication with envelopes printed with law firms return address. 
Debt collectors has been demanded and noticed of a lawsuit to compensate consumer for violation of FDCPA, till today I have not receive a response or any communication in regards to matter.
Consumer complaint received 2017-01-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

My mortgage company is trying to foreclose on my mortgage because they do not believe that I live in the property. I have faxed and emailed the documentation which the mortgage company asked me for ( initially ) so that I could be granted a loan modification. However, the mortgage company still does not believe that I live in the property. I appreciate your help.
Consumer complaint received 2016-07-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TN)

I opened an account of Suntrust XX/XX/XXXX because I see a promo while I visit the branch. The banker lied to me he put the code for me to get the bonus, but actually he did not at that time because he thought I was not eligible. He is XXXX, Financial Services Representative at XXXX XXXX In-Store. What a joke he wanted me to have direct deposit first and then he used the code for me to get the bonus whereas the printed term mentioned the opposite step ( enroll promo program with the code, made direct deposit requirement to get bonus ). ( the fact is even I do not make the requirement, there is nothing to do for the fact that he did not put the code as I mentioned. It is absolutely his fault, especially he told me he put it in.It turned out he did not forget but cheat to client ) Be careful of the this address, it is hidden in XXXX, Mail Code XXXX XXXX XXXX XXXX, XXXX, TN XXXX. There is not much banker, you are very highly possible to meet him and you will be crashed. 
After my several call and investigation with phone service, he finally admitted he lied to me and viewed my profile and did re-enter the code which he should do it 2 MONTHS AGO. I got confirmation message from the secure message system about the fixing problem, I have to wait 8 weeks to have the promo. ( so I have actually longer time, if we counted at the beginning moment I met the requirements ). Then I find out he made tricky to my saving account, too. He violated the FEDERAL LAW to withhold my tax in saving account. I am not US Citizen but US person, under my country - US treaty, I should not pay tax of interest at some beginning amount, in other word. I should not withhold tax, but have XXXX form for me to report tax, as any normal people did. I asked him to change the withhold setting and let me have the form, he refused to do it and mentioned I shall call IRS to do the SUNTRUST account TAX withhold setting. I asked to complaint for their saving account setting error, he made up stories for me and refused to put the words as I said. He wanted me to do that complaint form by his word ( who know what he said, he wont even let me look at his screen ) and refused to further help me. It is only because at that moment here are some white people waiting for him to help. I am XXXX, he is XXXX,, but can you not help the front people solve problem, and then try to help next one at the back? The clearly racial discrimination is the only reasonable explanation. Seriously, be XXXX % care to deal with the banker XXXX. I do not show his full name for his privacy, but you know who I am talking to if you get to that branch.
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The Company claims I did not complete my loan and it reposed even thoughI paid them money and got the car back. It is raising my fees on other credit. It's not right. I Us XXXX veteran and I just need them to fix their error costing me thousands of dollars.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

This Debt was paid in Full in XXXX of 2015. They are still reporting it as a {$0.00} balance but has not till this day changed that it was Paid in FULL and it 's closed. I have suffered and repeatedly disputed this from the XXXX credit buerus and still have not takin any action. I do n't understand why it takes a year and till this day keep reporting it as open and {$0.00} balance. I also asked for it to be removed because of the inaccuracy and they told me no
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I sent in several disputes to Transunion in XX/XX/XXXX and received a new copy of my credit report with each one having been " verified '' I requested further information/reinvestigation even after 2 additional requests for reinvestigation and method of verification and received nothing. Then today I received a XXXX page letter with a definition of investigation. Not a definition of an investigation into my specific request but a definition of the word investigation. I have attached a copy of the letter along with the copy of my " verified '' report from XX/XX/XXXX. Matching report numbers but again no verification. It has been well into 75+ days and they have shown no reinvestigation. 
Transunion needs to delete the disputed lines that they say they " verified ''
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America has close my account that I had open since XX/XX/XXXX saying thatMy report from XXXX reads as such : XXXX Il XXXX XXXX XX/XX/XXXX $ -no amount showing or what your report states Transacting or attempting to transact, with a check in a fraudulent Manner, including but not limited to the passing or depositing of Forged, altered, closed account, stolen, counterfeit check, or Non-negotiable item ; the kiting of checks, drawing against insufficient Or uncollected funds, empty envelope ATM deposits, or keying errors.
Consumer complaint received 2016-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: College Assist (MO)

They called on my cell phone, I told them I do not wish to have contact by cell phone. I asked for mailing address to communicate in writing and they refused to provide it. I asked them for my account number and they said it was my Ssn. I really want to get more information about this debt but they are making it difficult to figure out what 's going on here
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America misled us into believing we were paying off our credit-card balance, when we set up our recurring payments through direct-bank payments. Their recurring-payment screen that sets up these payments has XXXX options : " minimum amount due, '' " amount due as shown on the e-Bill, '' and " statement balance as shown on the e-Bill. '' We selected " amount due '' thinking this would pay the amount that we owe. Instead, they informed us that " amount due '' means " minimum amount due '' with the addition of past charges. This is not stated in their recurring payment screen nor in the e-Bill. The e-Bill merely states the accrued charges ( I tried to attach it and the recurring payment screen to this comment box, but they have too many special characters ). Bank of America arbitrarily chose a definition that would allow them to deceptively charge interest. After setting up recurring payments, they only deducted the minimum amount due. Through this deception, Bank of America charged us {$100.00} in interest ( {$38.00} for XXXX XXXX to XXXX XXXX, 2016 and {$61.00} for XXXX XXXX to XXXX XXXX, 2016 ).
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect (FL)

AMERICOLLECT INC ACCOUNT NUMBERs:XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-07-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

I have been paying on my student loan for over a year and continue to have billing issues. Every time I call the customer service line to ask for help or to see what options I have, they can never seem to help me. They are rude and do n't listen to anything I have to say. They state that I have XXXX loans and XXXX are due on 1 day and the last is due on a different date. They will not help in consolidating them, they will not offer a lower payment option, and just say my account is not able to do so. I ca n't ever seem to get ahead no matter how hard I try. I will submit the payment and rather than applying to the XXXX loans that are due, they disperse as they please which makes one of the other loans delinquent or behind. Their customer service is horrible and do not want to help at all with payment options through their customer support line. I spoke to employee XXXX and she stated they could consolidate and gave me instructions how to do so. I called back 20 minutes later for assistance and a different employee stated there was nothing that could be done and I could n't consolidate the loans or get a lower payment plan and to call back in 2-3 weeks. It ridiculous. I try to pay but yet they keep screwing me over.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

I am dissatisfied with American Express. My issue is that XXXX XXXX delivered to me a defective sectional sofa. Also, after countless attempts to resolve the issue with them, I tried working with American Express to be my advocate, as I am a long standing customer of theirs. I have had XXXX billing disputes with American Express and they have not resolved this issue for me. Please note that American Express does not seem to want to fight for me as their customer. They do not read all of the documents that I have submitted to them explaining my issue. Please see the full details in the attached " CFPB Letter XX/XX/2016 '' Word document that I uploaded in the " Step 4. Product Information '' step.
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

The fees associated with banking at SunTrust are exorbitant. The company is basically committing questionable legal robbery of their account holders. XXXX fee for each item from an overdrawn account and no reasonable amount of time to correct the mistake before being charged.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

Re case # XXXX/XXXX : I have been informed by CFPB that Wells Fargo Mortgage has requested another extension to address my complaint. This CFPB is totally unacceptable and inconsistent with your mandate to protect the consumer from mortgage related fraud. I have for the past three years asked Wells Fargo Mortgage to disclose, as required in any mortgage closing, the reason for attaching an amount of {$7800.00} to my modification. As you can see from my many complaints filed with CFPB this major mortgage lender -- who has been fined by the federal government for mortgage abuses -- continually stonewalls my and now your attempts to get the bare minimum disclosure on what an " unpaid principal balance '' is and what charges are contained in the amount. It was never explained, as I have noted several times to you and WFM, and now, again, they have requested an extension to " research '' the charge. If it is not readily available in their loan documents, and more important they ca n't explain what it is, then they should remove it from my statement and confirm with CFPB that this sort of activity is not a normal process in other modified mortgages nationwide. It is a serious issue when one of the largest lenders in the country ca n't disclose, explain or locate documents related to consumer mortgage modifications/refinancings. They likely utilized my mortgage under the omnibus federal settlement as an example of " keeping a qualified homeowner '' in their homes under HAMP. Enough is enough CFPB. Please require an immediate resolution to my complaint or fine Wells Fargo Mortgage for their continuing delay in responding to a very simple legal mortgage closing requirement. Thank you, XXXX XXXX.
Consumer complaint received 2016-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I took XXXX car on lease from Chase in XXXX 2015 ( hard check on credit ), opened checking and saving account with Chase in XXXX 2015 and all was going fine up till XXXX 2015. In XXXX 2015, they asked me to come and fill form XXXX to validate my identity ( name & SSN ) and I did so fully compliant at all times when ever they wanted any information whether my passport, driving license, XXXX copy and SSN card copy. They made me fill the same XXXX form in XXXX, XXXX & XXXX with same details again ( if you got it first time, why would you make me to do it again ) and also asked me to get a letter from Social Security XXXX certifying my name and SSN ( I got that too from XXXX XXXX SSN office with duly stamped and submitted in XXXX XXXX week ). Now even after doing all this, I was traveling and suddenly my debit card stopped working - I checked and they have mailed me a letter in XXXX first week stating that they have closed all my accounts because of invalid information and are going to report this to credit bureau on my car lease too. How rude and unprofessional is this? they never told me all this while that whom they are talking to and why they need this information on me when i have given them a letter from SSN office certifying my credentials. 

This is going to affect me so negatively and even though when there is no fault of mine. I have bank accounts in XXXX XXXX XXXX, XXXX and XXXX credit card too all with same name and SSN. 

Need your help desperately to stop chase in spoiling my credit history and file a case on them for causing XXXX and frustration.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CO)

I received notice from XXXX, Equifax, and XXXX that XXXX XXXX had pulled a hard inquiry on my credit report. I called XXXX XXXX and spoke with XXXX. She confirmed that an application for a XXXX XXXX was in their system. They marked the application as fraud. XXXX committed to alerting the XXXX credit report bureaus. I contacted all XXXX  credit reporting agencies and had my accounts frozen.