davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (PA)

A copy of a letter written to " Citibank '' ... 
______________Sears Credit CardsXXXX SD XXXXTo Whom It May Concern : Enclose you will Find a check made out to Sears Credit Card in the amount of {$1800.00}. 
Please note that this amount should be greater than the amount owed on my account, # XXXX. 
I instruct that you close my Sears Credit Card account immediately upon receipt and refund the credit balance that should result. 
For the record, I will be greatly relieved to know that I will NEVER have to have any dealings or association with CITIBANK ever again. 
Though I have never in my many decades of life EVER failed to pay an amount owed to a creditor, YOU chose to close this account to new purchases ( which I had no intention of making anyway. ) Your action precipitated the premature termination of my Home Depot account, which cascaded into the closing of my XXXX XXXX XXXX account. Because I was then left with greater DEBT than I had CREDIT, my credit standing, was destroyed, I was denied of the opportunity to refinance my home and my inability to obtain a low interest Home Equity account to pay off the remaining, high interest debt I hold, denying me any alternative to paying your unreasonable interest rates. 
What Sears Credit Card Service ( i.e. CitiBank XXXX has done to me should qualify as a felony. Moreover, the person XXXX XXXX ) responsible for putting this usurious policy in place should be jailed, along with that ( those ) person 's superior ( XXXX ). 

I know from talking with your employees that you are doing this to others, as well, so I dare hope we may be able to mount a class action of some sort? 
Rhetorical question ... could my being a single woman over the age of retirement who will continue XXXX indefinitely have influenced your initial actions? Could you have believed me to be without means or resources to fight your discrimination? NOTE - that was a rhetorical question. I do n't want to hear or see anything more from your company. I offer the question for YOUR benefit. 
I do wish you business losses and ultimate business failure, but expect that you will take care of that without my assistance. 
Very sincerely! 


XXXX XXXX XXXX : Pennsylvania Department of Consumer Affairs Federal Government Consumer Protection Agency XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

Our couple has had a checking account with JP Morgan Chase and several credit cards for over 40 years. Our home address was a XXXX XXXX ( JP M Chase has held the mortgage for the last twelve years of its 30 year life ). We were ask for a physical address which we did not have until recently. Being abroad very, very often we called the branch to give the address early XXXX. The account manager being busy we gave it to another person. A few weeks later we got the same request. We called again and this time asked for an email address of the bank officer. We got it and had an exchange of email where we sent the physical address. We received another letter in XXXX which got to us in XXXX as we were abroad and called the call center again to give the address for the fourth tim. 
In XXXX the bank closed our account alleging that we had not sent the address. Which we did and can prove with the copy of the email. The said officer has supposedly left the bank ... 
Our XXXX accounts were closed ( savings and checking ). checks were sent. But all history has been eliminated from our internet connection to the bank. payments made through the accounts before we knew of its closure were rejected creating poor credit and expenses ( bounced payments and late payments ). We were in XXXX at the time and it took many hours of work to be able to get back to a situation where we could honour our due payments. ALL THIS BECAUSE THE BANK FAILED TO DO ITS JOB
Consumer complaint received 2015-04-05
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Resurgent Capital Services L.P. (OK)

Judgement line was filed then LVNV funding started collecting. They hired an attorneys office they called said they were from a locators services and there was a civil criminal case against me and I was to call this attorney in XXXX. I never did. A few days later with no notice my checking account was garnished. How is this fair? Is any one going to do anything this time?
Consumer complaint received 2015-06-19
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Secure Capital Management, Inc. (TX)

I have been receiving harassing phone calls from Secure Capital Management , Inc. They are calling on behalf of a pay day loan I am not able to pay back. I spoke with the loan company a couple of months ago and told them of my financial hardship. XXXX called me repeatedly back to back yesterday at XXXX, XXXX, XXXX, XXXX, called my friend and my job. He verified my contact info and address. Shortly after he threatened me saying an officer is coming to my home to serve me and I will have to appear in court. I told him ok and he asked for my address again saying he did n't have it and needed it to give to the officer. He connected me to XXXX to make payment arrangements on yesterday to begin payment on XXXX XXXX, however, XXXX XXXX, an employee of SCM, called me today at XXXX and XXXX asking for my payment info. I understand I have a debt to be paid, and if I had the money I would surely do so. I am working on reduced hours due to cut back and I simply just do n't have the money
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I repeatedly sent this to XXXX and it still has not been corrected.I have called them, faxed them and gone online to no avail. See copy of fax below. The response was my request was illegible and unclear. 
-- -- -- -- -- -- -- -- -- -- -CONFIDENTIALExperian DFA TeamFAX XXXX Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment, it is a home. 
2. Correct employment to : XXXX XXXX XXXX. Add a free security freeze to my account since my identity was stolen. 
4. I am not XXXX Military. I am a XXXX XXXX XXXX XXXX. 
5. Delete the address XXXX XXXX XXXX, XXXX, MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 
6. Put a free security freeze on my account since my identity was stolen. 

Enclosures:1. MI driver 's license2. Homeowners policy3. Utility Bill4. Police Report5. XXXX letter stating the account opened in my name is not my account and I am not responsible for the charges.
Consumer complaint received 2015-10-15
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I owe this company a debt and they have my correct contact information on file, including my direct work extension. Today they contacted a work number that is not listed on my account and disclosed the reason for calling. This put the person answering the phone in a position to be harassed about a debt they do not owe. Calling my job in this manner also constitute personal harassment. I asked the person how they got the number they called and they stated that it was an automatic dial and that they did not dial the number. This should not be possible without some deliberate tactics. My main concern is calling another person who has nothing to do with the debt I owe and harassing them to speak with me.
Consumer complaint received 2015-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

XXXX, and its law firm XXXX ( now known as XXXX ) in 2007, filed a foreclosure complaint, verification and attachments based on false, misleading, deceptive, forged signatures of attorneys, signed by non-staff employees in the authorized practice of law ( which is a crime in Pennsylvania ) to proceed in foreclosures, including foreclosures of my properties. The bank and its law firm at the time, knowingly and intentionally authorized non-attorney staff to prepare, verify and sign the attorneys ' names without any review by a legal competent attorney at the firm. These non-attorneys signed writs of execution, false notary witness and verification of assignment of mortgage and other pertinent legal documents used to litigate the foreclosure in the courts. This deception was recently discovered and upon review of the complaint, verification, assignment and other documents, I became aware of the scheme to defraud me of my property, through an illegal and improper foreclosure. In a deposition of all the partners of the law firm, they admitted that they never prepared, reviewed, verified or signed the complaint at any time, neither at the commencement or throughout the proceeding. The law firm and XXXX XXXX are debt collector in violation of the FDCPA, various Federal and Pennsylvania statues when the illegal foreclosure was filed into the court, thereby perpetrating fraud on the court. XXXX claimed legal interest by assignment, but did not have an assignment until after a default judgment was entered. Still no proof of evidence as to the legal standing of XXXX XXXX ( debt collector ) as the debt was in default at the time of its alleged assignment of mortgage, which is questionable. Documents including the assignment has forged signature of attorneys as well. Due to this deceptive and unconscionable act, any judgment obtained illegally is void. I have attached a full complaint and other documents providing the sworn deposition and testimony of the attorneys, their admissions, documented evidence of their admissions with exhibits of forged signatures in my foreclosures, as well others filed and recorded into the Pennsylvania courts.
Consumer complaint received 2024-08-01
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. (TN)

There are multiple unauthorized hard inquires in my consumer reports that I did not authorize, multiple names that are inaccurate and not me, and multiple address that are inaccurate and that is not the correct address. Please block and remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My correct name is XXXX XXXX and my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-20
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ZARVAD III S.A. (TX)

XXXX calls my mobile phone daily asking me to " bring my account current '' with them. I have never had any loans with this company or prior contact with them. The messages are automated voice recordings made outside of hours where I can speak to someone and get them to stop. I have found that this company is based in XXXX XXXX and thus acting outside the laws of the United States and the state of Texas.
Consumer complaint received 2015-04-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Last week I applied for a used car loan at my financial institution, USAA. I asked for a loan up to {$15000.00} but also told the loan processer at USAA that I hoped I would need a loan for less than $ 15K after we finished negotiations on the car. I was quoted a rate of 2.75 % for this loan. 
After concluding negotiations with the owner of the vehicle for the sale at {$13000.00}, I gave the owner my personal check for {$1000.00}, so the remainder needed for a loan was {$12000.00}. I called USAA to execute the loan, but was told that for any amount less than $ 15K, the interest rate would be higher than 2.75 %. Because of the higher rate, I complained and spoke to several different people in USAA 's loan department, resulting in rates quoted from 4.75 % down to 3.2439 %. They still refused to give me the rate originally quoted of 2.75 %, even though I have a screen printed from their website showing the 2.75 % rate for my loan. They claimed that if I would take the $ 15K ( or higher amount ) loan, I could still get the 2.75 % rate, but for any lesser amount, the rate would be higher. This makes no sense at all, since their risk for a smaller loan amount is less than with the larger loan amount. 

This is nothing more than a classic " bait-and-switch '' tactic. If this was a disreputable loan shark, I might understand their tactic, but for USAA, I did n't expect such dishonorable and dishonest behavior. They should be prosecuted for their " bait-and-switch '' tactic to the fullest extent of the law.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2015-05-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

1. On XXXX/XXXX/15 I made a deposit by Check to the line of credit account at Wells Fargo in the amount of {$49000.00} using XXXX Bank. 

2. The check was cleared from the XXXX XXXX on XXXX/XXXX/2015 ; However till date the credit is not applied to my line of credit account at Wells Fargo. Now, the money is not available at the XXXX XXXX as well ; since it 's been collected/claimed by Wells Fargo3. Called WellsFargo and they said the {$49000.00} will be available on XXXX/XXXX/2015 which is after a month, I have made a deposit. 

4. WellsFargo will dearly charge me an interest for entire month until the funds are available to my account ; now this is a day light robbery. 

Please help and if possible ; investigate the unfair practice at the wells fargo.
Consumer complaint received 2024-08-01
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. (NC)

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Consumer complaint received 2024-07-31
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. (NJ)

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within XXXX business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MA)

I am a XXXX father struggling to correct my credit profile. I recently paid XXXX accounts in collections, and opened XXXX new credit card accounts for the XXXX time in years. My credit was that bad. Experian and XXXX worked with me and helped out huge, from deleting items that were not supposed to be on my reports, to getting back to me in a more than timely manner on other matters. EQUIFAX on the other hand, is doing the opposite. I 'm trying to remove a credit inquiry that XXXX XXXX inquired XXXX on me ( XXXX in XXXX days ), and since they are the same type and close in date, they should be deleted. Only EQUIFAX REFUSED TO DO SO. The other XXXX agencies did it on the phone, right then and there with a single additional question. They knew it should n't of been there. EQUIFAX, who I have called XXXX times in 2 weeks, speaking with XXXX people, say they are not removing it. This is absurd. How are these people in charge of our credit scores and reports??? I really need help with this, and little as it may sound to some, it is important to me and my family.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc. (MI)

Monarch Recovery sent me a letter stating I owed over {$320.00} for a debt through XXXX XXXX XXXX, a credit line through XXXX that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from XXXX XXXX XXXX stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and XXXX XXXX XXXX because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (PA)

Continued robot calls. Will not give me address of collector or admit it is collections agency. Hangs up on me when I ask for address. Calls several times per day for the past month. Requests information of me without providing any identification of their company. Have received no written correspondence from this company. 
Name of company is RPM : Receivables Performance Management. The number showing up on my phone is XXXX, a Virginia number.
Consumer complaint received 2015-10-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Union Adjustment Company, Inc. (CA)

Union Adjustment was informed in 2013 that they where reporting a collection account on my credit report and asked to provide a validation of debt. Till this date they have failed to do so. They have continue to report the collection on my credit report with out merit and attempted to collect the debt and contacted 3rd parties.
Consumer complaint received 2015-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AK)

On XXXX/XXXX/15 I paid Transworld Systems Inc. for an old military debt on my XXXX XXXX Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted Transworld Systems Inc for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the XXXX XXXX XXXX card and the balances between the collection agency and the debtor do not match. Transworld has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

In XX/XX/XXXX my mortgage co-OCWEN LOAN SERVICING did an escrow analysis of my mortgage then sent me a check for {$700.00} saying we had too much in escrow-Then in XXXX they paid my town taxes which put me in a negative escrow. Every month since then I have been and still am in a negative escrow balance. Numerous phone calls to them have not fixed the problem it has just gotten worse. Every time I call they tell me my mortgage payment will be a different amount The XXXX time they told me the problem would be fixed if I sent them a check for {$700.00} which I did on XX/XX/XXXX. Then they called and told me my mortgage payment would be raised from {$840.00} to {$920.00}. in XXXX. Then they called me again and said mortgage payment would drop to {$830.00} with {$190.00} of that going to escrow. I called them and said that was way wrong and was told they would do another analysis but am still waiting to hear back. ALL these people need to do is simple math -- -My town taxes are {$850.00} XXXX times a year which equals {$3400.00} so they need to escrow {$280.00} a month so that times XXXX equals {$850.00}. {$850.00} to pay the town taxes XXXX times a year will equal $ XXXX.I ca n't make then understand this. I need help getting them to fix this problem before it gets any worse. I think they are doing it on purpose to try and take my house away from me.
Consumer complaint received 2015-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (SC)

Navient continues to call at least XXXX times a day. I have explained to them that when I co-signed the notes for my sons private loans I was working and making good money. Since then I was taken out of work by my doctor ( 4 years ago ). I applied for my XXXX and after 2.5 years was deined. I draw a little over a {$1000.00} per month with my XXXX retirement check, which I started drawing 2 years ago this XXXX. With my XXXX and XXXX, there is now way I can pay this loan back for my son who is still seeking gainful employment.