davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2016 I visited a restaurant where l signed a receipt for {$820.00}. A few days later I was charged {$1600.00}. I immediately contacted BOA and filled a dispute. on XXXX XXXX, 2016 I received a letter from Bank of America stating that their investigation for the dispute has been completed and that BOA is unable to pursue the charges. Included in their letter they provided with signed copies of receipts which shows only XXXX of the XXXX signatures are mine. I did sign " commitment letter at the establishment agreeing to a {$500.00} charge which later came out to be {$820.00}. However, I do not recognize the other XXXX signatures on the {$1600.00} receipts. 

Please re-open this investigation as requested by consumer.
Consumer complaint received 2017-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (CO)

I am a personal check account holder with T.C.F. National Bank. I was the victim of check fraud and forger y. Two checks, one for  {$2500.00} and another for {$5500.00}, were forged on my account. The bank doesnt dispute this. However in a letter of determination regarding the reimbursement of my {$8000.00} from their fraud and forgery department they determine that my " failiure to exercise ordinary care in safgeguarding your checks substantially contributed to the making of the forged signature. '' Dated   XX/XX/XXXX .  Signed by  XXXX   XXXX   XXXX  and Forgery Investigator, TCF National Bank. A little over a year ago, on   XX/XX/XXXX ,  I was arrersted on an outstanding traffic warrant in the parking lot of a hotel where I had planned on spending the evening. I was approache d by two officers who immediately put me into custody in the back of a police cruiser. I advised t hem I was in between residences and that my vehicles contents needed to be secured. I had just bought the used vehicle that day and I had temporary tags on it. After I was taken from the scene in police custody to jail someone stole my vehicle while I was in jail and took possession of my checks and other belongings and committed fraud against me and forged my signature on  two c hecks. A report was filed with the  XXXX  Police Department by my father after going to pick up said vehicle from hotel parking lot and determining it was gone. On or abo ut  XX/XX/XXXX  , still incarcerated, I ask my father via telephone to look at my checking account balance. He relays to me that a check for {$2500.00} had been cashed and that a check for {$5500.00} was pending! I have him put a stop payment on that immediately via telephone. I, through my father, advised the bank that the {$2500.00} and {$5500.00} checks were not authorized. I 'm charged {$35.00} stop payment fee and I was glad to pay it. But then inexplicably I 'm reimbursed the stop payment fee the next day,  XX/XX/XXXX  , because the bank went ahead and cashed the check anyway! A full day after I advised them that something nefarious was happening with my account. I worked with the bank as much as possible. Providing police reports on my arrest etc. Which, by the way, has nothing to do with me being the victim of a crime here. Now TCF National Bank is victimizing me.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I had started a loan Modification with XXXX XXXX XXXX XXXX to try to get a lower monthly payment for our Mortgage. They said that in order for them to help us we would have to come up with XXXX different money payments- XX/XX/XXXX of {$1200.00}, XX/XX/XXXX of {$800.00}, and another payment of {$800.00} on XX/XX/XXXX. And on top of these payments they also asked for another amount of {$650.00} for Attorneys fees, this was on XX/XX/XXXX. We sent all the money they asked for. XXXX XXXX XXXX told us not to send any mortgage payments to Wells Fargo Bank. XXXX XXXX XXXX said that they will take care of the modification process. But XXXX XXXX XXXX never processed it. They forced us into bankruptcy. We feel that we should n't be in this situation. This is the reason why, Wells Fargo was n't receiving our monthly mortgage payments.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates sued us for a debt they had purchased from XXXX XXXX and was written off by the bank. We did not dispute that we owed money, but the amount was in question. We finally reached a settlement at a mutually agreed upon figure and paid the debt in full. PRA subsequently sent us a XXXX form claiming that we had tax liability of nearly {$27000.00} in written-off ( or forgiven ) debt. It is illegal for PRA to claim a write-off for an account for which the original creditor has already taken a write-off for, especially since they are a third party who never laid out any funds and the amount in question was already written-off by the original creditor. This is double-dipping to the IRS, which is tantamount to tax fraud.
Consumer complaint received 2017-01-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

Back during XXXX XXXX, I received a refund check in the amount of {$170.00} from Chase Mortgage ( dated XXXX XXXX, XXXX ), for a Corporate Advance Fee. Since the letter offered no explanation as to how or why they imposed this fee, I went back over all my mortgage statements dating back to XXXX ( original loan ). I found that these charges were applied beginning in XXXX XXXX, and currently continues without further explanation. Chase has not responded to my initial inquiry ( XXXX XXXX, XXXX ) letter. It is now 90+ plus days and I have not gotten an explanation. If the XXXX XXXX XXXX should n't have been applied to begin with, then why is it still being reflected on my monthly statements? I also feel that the {$170.00} is an incorrect amount because this issue dates back over a 6 year period.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WI)

XX/XX/2015 I started a online dispute with Equifax , since then creditors have not been able to pull my credit file due to a Security freeze. I have spoke with the security freeze department at Equifax several times and they have assured me there is no freeze on my file. At the end of these calls they suggest purchasing their credit monitoring to help resolve problems like these. Most recently both XXXX and XXXX XXXX were unable to access my credit file due to this freeze. I feel as though Equifax is not going to resolve this unless I sign up for their monitoring service.
Consumer complaint received 2016-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

DiTech, appears to randomly placed reallocation of money on my mortgage. After two calls they are unable to tell me why my principle increased. The principle on XX/XX/XXXX statement was XXXX, we made at least two payments of XXXX against principle on XX/XX/XXXX and XX/XX/XXXX. My statement of XX/XX/XXXX reflects total of XXXX If Ditech, as done this to a significant number of clients, the additional interest they are getting could be astronomical
Consumer complaint received 2016-11-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (MN)

The loan was sold by XXXX to Discover, ever since Discover has canceled my autopay eight times, set autopay up to the incorrect checking account three times, input the incorrect addresses ten times, and now has increased my payment amount with no notification and will not change the amount that my autopay is for regardless of four attempts to have it changed. They instead are sending me late notices for {$5.00}, imposing late fees, and reporting late payment to the credit bureaus. 

In my opinion they are committing fraud by refusing to change my autopay amount to the correct amount and instead trying to collect fees. There is no way for me to change the amount myself, it is something they need to do.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

Was yelled at on XXXX XXXX by customer service, called a liar, and they told me my account had been delinquent 120 days over 100 times which is a complete LIE. I had XX/XX/XXXX payments that had cleared my bank and still not posted in their accounting system and they were telling me I was giving them inaccurate payment info and that I had not paid on my account when the payments cleared ... I even sent a letter where the payments cleared my bank. They call MULTIPLE times during work hours to a cell phone at work after explicitly telling them not to call that number. They still call. My account has only been 30 days late on a 17 year old account and they treat me like I am a criminal. This company is so much worse then Greentree ever was. I hate these rude XXXX people. Worst company on the planet.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CA)

American express tricked me to keeping my account open. 

I called American express on XX/XX/2016 regarding my American express XXXX business account. I inquired if there is any retention offer that can help me decide if I should keep my account. An agent told me that she is able to add a retention offer, 'spending XXXX on the account and get XXXX XXXX points in 3 months. ' Then I asked if she can send me a confirmation email, but she told me that she ca n't. However, she left her name XXXX with agent id XXXX. Then I finished the spending requirement on XXXX XXXX, but I have n't received my spending bonus on XX/XX/2016. Hence I called American express on XX/XX/2016 and inquired if my spending is eligible for spending bonus and how long it will take to get my bonus points. The agent responded with 'sorry there is no retention offer on your account, and you are not eligible for any bonus points. ' Then I asked if she can locate the agent XXXX with agent id XXXX, but she answered 'no XXXX is not here. ' Then I ended the call but found I was tricked by American express because American express agents tried to keep my accounts with fake offer and names/ids. Now I can not get my annual fee refund because it has been passed 30 days since annual fee posted.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NC)

Last year around XXXX we received notice ( a postcard ) that we were included in this settlement, did not have to fill anything out. We then received a confirmation of this in XXXX that it would be completely settled in XXXX - never heard of it again. 
We would like to know the status of this please. 
Thank you.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

I received a call from southwest credit system asking me to pay a debt owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. What I owed XXXX XXXX XXXX was paid in full on or about XXXX 2015. I have my bank statements to prove this. I have been getting calls from southwest credit systems in the morning, afternoon, evenings, midnights, and early mornings. After I told them not to call me because I do not owe XXXX XXXX XXXX, they still harass, threating me, insult me and keep calling from different numbers. They call from XXXX and XXXX. They even call me and ask for my name and when I respond and say this is he, they hang up. This has been causing me emotional pain and traumatizing me to the point that I want to hurt myself. The fact that I took the right step to pay my bill and stay current on my finances to include monitoring my credit on credit karma, this even is taunting me to the point that I can not handle it anymore. Please have the company stop calling and if they can prove, in conjunction with XXXX XXXX XXXX, they need to show proof that I owe them and I am also willing to show my proof that I paid in full from my bank statements.
Consumer complaint received 2016-12-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (NC)

The company I work for purchased several radio stations from a company selling off all it 's inventory. Included with that sale was a XXXX pickup truck. During closing, the main focus was on all the regulatory paperwork with the FCC, XXXX and other companies regarding the radio stations and transmitters, and the XXXX was over looked until it was time to re-register and re-title the truck in the new companies name. At that time, it was noticed that we only had a copy of the title, and not the original. We worked with a previous XXXX of the company to get the required title paperwork willed out and notarized. However, the truck was originally financed through World Omni Finical Corp., and was paid off XX/XX/2008. I have tried over a dozen times to contact World Omni Finical to get a letter stating that the truck is paid for and they have no further interest in it. All I get for the several hours on hold is the run-around, with out anything ever happening. We currently have a bill of sale, a copy of the title showing it was paid off in XX/XX/2008, current insurance in our name, and a partially filled out and notarized replacement title request. The only thing holding us up in getting the title transferred is a letter from the previous lien holder ( World Omni Finical Corp ), releasing all claim to the truck. 

I am asking for help in getting World Omni Finicial Corp to produce this letter, so they are not longer preventing us from using our own truck!
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. I am a XXXX and under Public Records Law no agency may divulge my personal information for commercial use. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Corporation (GA)

Hello I am making a complaint about the Receivable Management Corporation located in XXXX, SC. My case worker 's name is XXXX XXXX XXXX ( XXXX name maybe spelled incorrect ). My XXXX XXXX XXXX daughter went to the hospital a few years ago and I never received the bill or a phone call about a bill after it was processed by my insurance company ( BCBS ). I later found out that the bills where going to my ex-wife 's address which I have never lived. After processing the remaining balance was {$1100.00}. My contact number has been the same since I joined in the armed services back in 2005 and I have never received one call from " XXXX XXXX XXXX. '' The only way I figured out this existed and was already in collections was by checking my credit report after being advised by an apartment leasing agent. The debt is now paid and could have been paid very long time ago if I had only been notified of it 's existence. I asked XXXX XXXX since I was never notified if she would remove this from my report ( given that I was never notified of the situation in the first place ) and she said no because it could n't be. Later, I found out that was a lie. My phone also records all conversations. 
In conclusion, it is not fair that I have to live with this being on my credit history since I knew nothing about it. They already have the money. I only want this harmful statment removed.
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ENCORE CAPITAL GROUP INC. (MD)

After making arrangements with Midland Funding LLC to pay a monthly payment of {$65.00} in 2013 three years later the company went im my bank account and withdrew three payments of {$75.00}, {$120.00} & {$2000.00} without my consent, there was no notification from anyone one concerning this matter.There was no contact from them as it regards to cautioning, additional arrangements or any other resolution.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Paramount GR Holdings, LLC (CA)

My mortgage was transferred to a new 3rd party company through Paramount Mortgage. It was not made clear what needed to be done on my end with the loan transfer. Received a call from Paramount stating that we were behind on payments and realized that the automatic payment from the first loan was no longer going through. After calling it was learned that since it was a whole new loan number we needed to re-do all paperwork for payments once again. 
After attempting to set up automatic payments on their website, there was a glitch in the system that would not allow the set up with the new account. Daughter attempted to call and was also advised that her status of being an approved contact on the loan was also not transferred which has started a 6 week process of multiple people handling the loan and not one same answer. 
Daughter was advised she needed to email in the power of attorney. She specifically asked if she needed to provide this for both people ( me and my wife ) on the loan or just one. Only for one. This information was then sent in. 
Daughter attempted to call again to make a payment. She was advised that there was missing information and she was not an authorized person on the account. Person would not provide any other information and said to wait 7-14 business days to get a letter of what we were missing. 
Another call into the company.They needed an hand written note and signature from me that I accepted the power of attorney ( even though that is what the power of attorney is ). Daughter drove two hours to get this signature. This information was sent in. 
Daughter called and was advised that she was now an authorized user and discussed details with her on the account so we can attempt to set up bill pay to get us current on the loan. The bill pay did not go through. 
Daughter attempted to call again to make a payment. She was advised that there was in fact missing information and is now no longer an authorized user. Now advised that the power of attorney was for the wife, but had my signature ( wife XXXX can not sign ). Requested power of attorney for me. This information was sent and we are now waiting. Payment was also sent by certified mail since other options have not worked. 
Each time Paramount is contacted, we have received different information. We can never reach the same person. And there is absolutely no consistency with the training of the employees. I even had someone give me a fake name " XXXX '' to use them as a contact and they would personally follow up with me and the case and it never happened.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. 

EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which in turn is a stockholder of XXXX XXXX XXXX , the XXXX XXXX subsidiary that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.