davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Credit Management Services, Inc. (NE)

XXXX/XXXX/16 rcvd summons of a debt XXXX/XXXX/16 setup payment arrangements of 2 payments per month ( no set dates for payments as I am XXXX and my wife does not get paid on specific days of the month XXXX/XXXX/16 my wife called to submit payment - all operators were busy-left detailed instructions to call her back about giving them the payment and to see if I could do a short payoff for the remaining balance XXXX/XXXX/16 my wife received the call back - at her work ( she told them not to contact her work number ) they would not take the payment - would not do a short payoff they had already sent the debt to the court for judgement and was advised it would have to pay in full - my wife contacted them today XXXX/XXXX/16 paid the debt in full {$7100.00} These debts were mine, but my wife was still served and was named in the judgement Company name : Credit Management Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer Services have been contacting me at times that are not legal. I 've warned them 3 times that I will report them and to stop harassing me at these times. They said they would but have not complied. I 've also told them when i would be making my payments and they keep calling - I am not more then 60 days behind. 
XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX I think you can see a pattern here. Please make them stop. I 've made payment arrangements w them and I 've not faltered on any arrangements in the past. What they are doing is unacceptable. Thank you.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-08-19
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)

I currently pay XXXX monthly on XXXX separate accounts to Asset Acceptance. The XXXX accounts originally belonged to XXXX XXXX and were turned over for non-payment many years ago. I have been receiving statements monthly for many years stating that I owe many many thousands of dollars above the original amount and when I called they stated that I am on a " non-interest '' bearing account of {$20.00} payment on each account monthly probably for the rest of my life I guess I have diligently send XXXX monthly for years at supposedly no interest, according to our agreement. Why does my balance increase each month on my monthly statement for an original balance on XXXX accounts of $ XXXX to like $ XXXX now????? 
I would say enough is enough and an old debt is an old debt ... Why are they doing this to me? I have n't received correspondence except for my monthly bills, which state my incorrect balance, and the fact that XXXX checks for {$20.00} are being written by them from my checking account ... they refused to do business with a debit card and everything always seems to be " their way '' ... .Also they will not accept e-mails and it 's now 2016???? 

Please help me settle this unfair debt!
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

As a borrower my loan was first with XXXX XXXX XXXX and I was approved for a Forbearance XXXX/XXXX/XXXX and the loan was transferred to Carrington on XXXX/XXXX/XXXX. Borrower made 2 payments and Carrington would not accept any payments after, lender had requested full payment ofXXXXXXXX. A Quit Claim Deed was submitted on behalf of ex-spouse XXXX. Lender then stated that a new law in XXXX was drafted that the Quit Claim Deed would not be sufficient enough is that a law for all states or the state of CA As a housing counselor I felt that information was not represented to me as the Third Party on behalf of the borrower. A loan modification application was submitted and on a complete package was received. A second modification was submitted on XXXX/XXXX/XXXX, complete package received XXXX, and XXXX/XXXX/XXXX file was submitted to under writer for review. XXXX/XXXX/XXXX it was stated that the borrower was denied due to debt to income at 40.77 % including the partial FHA claim. The representative at Carrington stated that the income used on the XXXX modification was {$2800.00} but on XXXX/XXXX/XXXX {$2100.00} income was calculated. The borrower had an increase of pay that should have been calculated on the XXXX loan modification. I called Carrington and spoke with a representative on XXXX/XXXX/XXXX who stated that the borrower had excessive forbearance. I immediately did a return call to Carrington for additional update on the numbers that was used for the waterfall to determine the denial. The representative stated that he could not give ne the numbers used because I had already call and the decision had been made. I then proceeded to ask to speak with management and was told that I would need to submit a formal dispute if there was additional findings and that management would not talk with me. I called back to Carrington on XXXX and wanted some more information on the denial the representative stated that because the home retention was located in CA and they were not in and I need to call back at XXXX eastern standard time. He could not give me any information because he was not licensed.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
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. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

Equifax has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit file.
Consumer complaint received 2016-08-20
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC. (VA)

The lender Cashnet USA explained that the payments based on my credit line would be {$95.00} per week. The first 2 payments were {$95.00} then increased to over {$230.00} per month. I tried to contact them to discuss but was on hold for over 2 hours. Also request a call back. I received a call back in 10 minutes ans was put into an automatic voice recording and on hold for another hour
Consumer complaint received 2016-08-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Checking account with Bank of America was debited for XXXX transactions that came from an expired billing agreement with a fitness center. The billing agreement lapsed and the company has no right to bill me. Bank of America has tacked on numerous fees after I was unable to reach anyone at Bank of America to dispute the transactions. The transactions which caused these issues are not valid and as such, the penalty fees are not either. I dispute the validity of the negative balance and challenge the debt as invalid.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (AR)

I paid off our U. S. Bank Business Edge Cash Rewards Card on XXXX XXXX, XXXX, and we quit using that card. I often leave credit card accounts open even though I no longer intend to use them, as many people do. In XXXX XXXX, I realized that I had received XXXX statements ( from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) for this card showing that I have a balance and that my old automatic payment had paid the minimum payments. I then realized that U. S. Bank had charged me an annual fee of {$25.00} per cardholders on the account, totaling {$50.00} for my husband and myself. Since my auto payments only paid the minimum due, they then started charging me interest on the remaining balance. I called U. S. Bank on XXXX XXXX, XXXX, and told them that I had stopped using the cards a year ago. I asked them to remove the annual fees, credit back the interest and payments they took from my checking account, and to just close the account. They agreed to close the account but said they would not do the refunds. I was very surprised as I have had this same exact situation happen with other card companies in the past and they always credited back everything without any problems and closed the account upon my request. I just received another statement dated XXXX/XXXX/XXXX, and the account appears to still be open or, maybe they are just sending bills for it thought it is closed. In any case, they still show me owing the {$42.00} previous balance and they charged me {$21.00} in late fees and interest. Can they really require me to pay a fee on cards that I no longer use or want? I did pay the fees for a couple of years while using the card, but as I mentioned, I 've done that on various credit cards through the years and never had a problem just leaving the account open after it was paid off and letting them know if they did charge an annual fee later that I no longer wanted the card. Some of them never even charged a fee since I was n't using the card and the accounts have, to my knowledge, just stayed open. I have used U. S. Bank quite a few times through the years. Although I had enough problems in recent years that I did not want to ever use them again after paying this particular card off ( and I sent them a letter letting them know that, perhaps that is the problem! ), I know I have never paid annual fees to them before on cards I am not using. I would appreciate your help in resolving this matter. The amount of money is small, but I really do not want to pay this just because I do n't think it is ethical for them to do this to people.
Consumer complaint received 2016-08-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hi, We will file XXXX complaints, this one is to Paypal, and a XXXX one will go to XXXX XXXX. 

A friend of mine just lost her husband on XXXX/XXXX/2016, and then she and her young daughters ( XXXX ) was ready to sell the piano in the house for financial purpose. They put the ad on line and someone ( named XXXX XXXX ) called in and agreed on buying the piano per asked price. The next day, an email in the title of Paypal, with Paypal logo and email address, came to my friend saying a secured payment has been made but will be on hold until payment of {$600.00} to be paid to the transport company thru XXXX XXXX. My friend sent the money by going to the nearest XXXX counter, and then another email in Paypal title came in saying the transaction is moving forward, but will need to pay government tax in the mount of {$520.00}. My friend felt very odd and get in touch with both Paypal and XXXX XXXX by calling in, and was told this must be an online fraudulence, and the money has been taken leaving the customers of these XXXX companies unprotected. They can not do anything but just gave out a case number. In this case, both Paypal and XXXX XXXX have been used by the criminals, and their creditability and reputation are stained. Paypal and XXXX XXXX must do something to patch the holes in their business model to keep their customers from further losses.
Consumer complaint received 2016-08-19
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NY)

ON XX/XX/2016 AT AROUND XXXX, I CREATED A TRANSACTION TO SEND MONEY TO SOMEONE USING MY CREDIT/DEBIT CARD. AFTER I CONTACTED WESTERN UNION AROUND XXXX TO FIND OUT THE STATUS, I WAS TOLD THAT THE FUNDS WAS PUT ON HOLD BECAUSE THERE WAS A PERSON WITH A SIMILIAR NAME THAT WAS ON SOME SORT OF SANCTION LIST. THEREFORE THEY REQUESTED THAT I FORWARD A COPY OF MY PHOTO IDENTIFICATION TO WHICH I EMAILED IMMEDIATELY. HOWEVER, MY PHOTO ID EXPIRED AND I HAVE NOT YET RECEIVED MY NEW UPDATED ID FROM THE NY DMV. I EXPLAINED THIS TO WESTERN UNION AND AFTER NUMEROUS CONVERSATIONS WITH MULTIPLE REPRESENTATIVES, I JUST ELECTED TO CANCEL THE TRANSACTION IN ITS ENTIRETY. HOWEVER, I AM NOW TOLD THAT I HAVE TO SUBMIT A VALID PHOTO ID TO RECEIVE MY MONEY BACK. HOWEVER, WESTERN UNION WITHDREW MY FUNDS FROM MY ACCOUNT WIHTOUT A VALID PHOTO ID THEREFORE THEY SHOULD RETURN MY FUNDS WITHOUT IT. FURTHERMORE, ALL OF THE REPRESENTATIVES AND SUPERVISORS THAT I SPOKE TO WERE EXTREMELY RUDE AND COMMUNICATED INFORMATION WITH ME THAT WAS INCORRECT AND MISLEADING. PARTICULARY I SPOKE WITH A SUPERVISOR ( XXXX ) AT ( XXXX ) XXXX ID # XXXX WHO TOLD ME THAT WESTERN UNION DID NOT NEED AN UPDATED PHOTO ID TO REFUND ME MY MONEY AND THAT HE WOULD PUT IN THE REQUEST AT A HIGHER LEVEL AND GET BACK TO ME ( TO WHICH HE HAS NOT ). THEN I CALLED THEIR OFFICE BACK AROUND XXXX TO FIND OUT THE STATUS AND EACH RESPRESENTATIVE AND SUPERVISOR TOLD ME THAT I NEED TO SUBMIT A VALID PHOTO ID.
Consumer complaint received 2016-08-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Check Bureau, Inc. (CA)

Hello, I would like to file a complaint to dispute the claims of a XXXX credit card that was created in my name XX/XX/XXXX. This particular credit card was created in a fraudulent manner in which I had no knowledge of until XX/XX/XXXX. XXXX/NCB never brought this matter to my attention because they claimed while I was in military service, they did not want to burden me with this matter. I am still in military service with the XXXX XXXX. I was XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I am still in military service for the California XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have included several supporting documents to include my XXXX in which shows my service in XXXX XXXX time and the transference to the XXXX XXXX XXXX. I have also included the court papers in which NCB claimed they served me in XX/XX/XXXX. I was never served or given these court papers. Lastly, I wish to state that I must maintain proper standing for my XXXX clearance for the government. A suing and or debt of this matter would of prevented me from obtaining my clearance if this matter was brought to myself or my employers attention. This credit card account never appeared on my credit report in the past 10 years. Please let me know if you need any additional information from me in regards to this matter. Thank you.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX Is reporting to my credit report false information and Credit Agency XXXX | Experian have removed my real account. 
False Account Reported is # XXXX $ XXXX collection or deliquent, My real Account which was deleted is # XXXX $ XXXX paid off in good standing, they deleted my account and left the # XXXX on my file. Please have this report removed immediatly from XXXX and Experian, they are in violation and defamation of my credit rights.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

On the XXXX XXXX website, after I logged in as a Premier Platinum member, I got an offer on the screen asking me to apply for the Chase XXXX Explorers card, and offering me XXXX bonus miles AND a {$50.00} statement credit after my first purchase. I took a screenshot at that moment on XXXX/XXXX/16 of the offer ( which you can see in my image was to expire the next day ). I then filled out the application. I got an email confirming my application ( dated XX/XX/XXXX too ). I was later approved and got the card. After having it for some weeks and using it, I sent email to Chase asking when I would get the {$50.00} credit. They replied that they would not give me the credit because I did not apply " the right way '' on the XXXX site. I applied the only way offered, by clicking on the big button that is clearly visible in one of my screenshots. No error message followed, I got to the application and answered all their questions. I tried multiple times to get Chase to resolve this, and they refuse. They DO admit that I am owed the XXXX miles, which is stated on the screenshot offer too, and which was only offered to me once I logged into the XXXX site as Platinum member ( the standard offer on the general XXXX site was XXXX miles ). So they must admit that I applied through this offer, but refuse to give me the other marketed offer, the {$50.00}. They are simply refusing to honor their offer, fulfilled on my end exactly as directed on the website.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

I was a victim of identity fraud. The person name is XXXX XXXX. This individual open a U.S. Bank account with my social security number and used my Identification number, account ending in XXXX. 
Also she open an account with XXXX XXXX XXXX XXXX, using my info account ending XXXX. The address she used is XXXX XXXX XXXX in XXXX, IL XXXX. I did n't profit from any of these accounts nor did I give her permission to use my name or ssn.
Consumer complaint received 2016-08-19
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I had an account with XXXX XXXX XXXX, Midlund Funding purchased it as a past due account. They took me to the local magistrate for payment. They were awarded just over {$1100.00}, not the {$1500.00} that they state I owe. I have repeatedly asked them to correct this amount. They filed paperwork at XXXX County Pa stating that I owe {$1500.00}. The courthouse will not correct it without Midlund Funding correcting it. I need this corrected and removed from my credit report as incorrect.