davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (DE)

TD Bank put a hold on my debit card because they said I was not in state where acct was opened. Had to call them then they said it can take up to XXXX for card to start working again. Lady at TD Bank said I needed to call them every time I would leave the state, like they were my travel agent or probation officer and not my bank. The bank dis n't call me to verify transactions or anything they just turn off my card which is illegal to do with out contacting me XXXX. I want bank fined to the maximum extent of the law for each violation
Consumer complaint received 2016-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (NY)

I had closed out my account with XXXX XXXX after paying in full and then moved. 6 months later I got a letter from credit management in XXXX, TX stating I owed {$260.00}. I called XXXX XXXX who stated that I did not in fact owe anything. Credit Management insisted I did and forced me to submit a dispute form which I now fear they wanted for identity information.
Consumer complaint received 2015-07-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NJ)

This is a complaint against PayPal. They made a payment from my account without my authorization, to eBay buyer. I got a damaged returned item, but did not have a chance to inspect it, PayPal instantly withdrew funds from my account leaving me completely without consumer protection.
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went into the Bank of America branch in XXXX, XXXX by XXXX and XXXX. My mother has major health issues, I wanted to add my name onto her accounts, both credit card and checking and savings, and brought in a copy of my Power of Attorney for my mother. I was already a co-signer for the checking account. They adamantly refused and said they need the original power of attorney paperwork. Since I was traveling to XXXX State where my mother is in assisted living, I took the same paperwork into a Bank of America branch in XXXX, XXXX and they happily and quickly did the above. Why did the local Bank of America branch make me jump through hoops, and then another branch in XXXX State approve my request with no problem?
Consumer complaint received 2015-04-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp. (TX)

I have advised this company several times no contact at my employer or references. They disregard my request. On XXXX, I advised a representative of me waiting for my XXXX. I was n't certain on date. My instructions was to follow up on XXXX. Prior to follow-up, they were contacting references. The notes in their system did not match our conversation on XXXX. They did not take proper steps to review the call per my request. I spoke with a XXXX and XXXX that works there as a supervisor and I was verbally abused by both. I spoke with a representatives today prior to XXXX and she accepted the arrangements. He refused to honor previous arrangements and threaten to repossessions my vehicle. I just paid {$700.00} on XXXX. I owe {$140.00} to complete XXXX. My due date is on XXXX of each month.I advised him I will have current by XXXX. I can make {$150.00} a week until current which will be {$600.00} and my payment is {$430.00}. This is ridiculous. I have several emails sent to this company pertaing to the issues discussed. 
XXXX called a 3rd party number after the company was advised not to call. 
XXXX called a number that he was not advised to call that belonged to a 3rd party. 
He was argumentative regarding who answered phone. He was not willing to accept or attempt arrangements on the account when I paid {$700.00} on XXXX. He advised me no auto companies allow their customers to make late payment.
Consumer complaint received 2015-06-03
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: J.S Resolution Group, Inc. (TX)

Debt collector called me and left a voice mail and immediately called my wife and left a voice mail. I later called the company back and spoke with them and am working on researching the monies allegedly owed and they sent me a settlement offer. I spacificly asked them not to call another number on my account only to speak with me regarding this issue. Less than XXXX min after I got off the phone the same person I just spoke to spoke with my wife. I was confused as my wife was questioning everything including where I lived when I took out the loan 10+ years ago 3 years before I married my wife, 1 year before we made contact again. She knew all of the references that were on the original loan and told my wife " your husband did these XXXX illegal acts behind your back and has been hiding them from you '' These statements are bad enough however when I was speaking with my wife last night she told me that not only did she say these things she coached her into having a conversation about it. My wife did not know my social security number and the agent asked her " isnt the last XXXX of his social XXXX, she said i am not sure and the agent said sure it is. That is when she started explaining all of the details of my debt, from 2005. 

Now, I am not the type that would withhold information from my wife, I relay believe/believed that this was settled when I worked with credit counseling but now my wife of nearly 7 years believes I am hiding things from her and gaining her trust back is going to be difficult.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

I filed a chapter-XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX ( see photo ). I have not acquired any new debt with XXXX since my filing in XX/XX/XXXX. They refuse to update my account as paid and/or discharged in bankruptcy and they continue to report XXXX open/active unpaid collections. I have been turned down several mortgages solely from their false claims.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XX/XX/year>, a Capital One Credit Card with a charge limit of {$600.00} was opened without my knowledge or consent. I contacted Capital One to remove this card from my credit file, and they advised me to dispute this account with the credit bureaus. However, I contacted them directly, and was given the run around about a matter they could of fixed on their end.
Consumer complaint received 2015-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Financial Credit Service, Inc. (TX)

XX/XX/2015I have found out through numerous calls an research that " ARA '' Asset Recovery Associates is a ripe-off company that usesscare tactics to recovery debt. 
I was contacted XXXX concerning debt that my sonmay or may not have. Was told that he was a party to an action suit because his name was given on paperwork concerning this so called debt by my son. He was told that a sheriff or constable would be coming to our home to serve him papers. 
I was put on the phone an told that there had been several attempts to contact me concerning this matter with her espousing the same type nonsense. We found out that none of this was true. There was no sheriff coming to our home to serve us papers. However, we are XXXX older individuals XXXX. I wish to sue this company with your help for fraudulent misrepresentation of facts. I pray that you will assist me in this matter, so that I do not have to attain an attorney and take them to court. 
However if no resolution takes place " District Court '' and possible " Federal Court '' will be my next step. 

Name was never given to them by my son and furthermore even if it had been no company has the right to harass anyone that is connected with the person they are trying to contact concerning that person 's debt and responsibility. I will not let this matter rest until I receive justice. This company will be stopped from such unwarranted tactics against any person that has nothing to do with another person 's debt. ARA is a scam who purchases information and debt from companies penny on the dollar and than attempts to collect the full amount of the money with high interest. In most cases these debt are already past there statute of limitations.There are too many agencies like these that exist only to destroy and individuals credit, finances, cause them to lose their jobs, and make their lives miserable. 

If Asset Recovery Associates do not want this suit to go forth I am requesting deletion of son 's name from their records, and all records associated with any outstanding debt with their agency or any other agencies connected to them. I am also requesting {$500000.00} in damages due to their actions of fraud, misrepresentation of creditable facts, XXXX against my fiancee and myself. XXXX 

I have all recorded phone messages concerning this matter. I gratefully await your response to this letter. 

Thank you,
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In attempting to verify my identity the XXXX credit agencies use information from my relatives then hold it against me that I do not know the answer. Transunion is the biggest culprit of this, where it is at the point that I am unable to get my own credit report due to their clerical incompetence.
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

There are XXXX inquiries on my report which I have never authorized and I have asked Experian to please review and remove them from the inquires off of my file. I never authorized XXXX XXXX XXXX, XXXX Bank, XXXX or XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since XXXX years ago. I have tried to contact Experian regarding these incorrect items and I have not received a response for my letter mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like Experian to do the right thing and remove them and investigate these companies that have accessed my account without my permission.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by TransitionIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " 0 '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but XXXX consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' Doubled '' accounts showing them twice, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data XXXX - XXXX XXXX received bill for carpet cleaning from apartment. When asked to do a walk through I was refused. And told I would not owe anything if I did they would send a final bill. They never mailed me a bill. She claimed she sent me an email, but could not produce a copy of the email. When I asked the collection agency what the collection was for they could not provide me a bill summary and the collection agency then knocked my credit score from above XXXX to XXXX. I would have paid any bill I owed, but did not deserve to have my credit destroyed. When they contacted me in XXXX I simply asked them for why i was being charged so much they never produced a bill.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am delinquent on my mortgage and am trying to get approved for a loan modification. I have provided all the documents requested by my mortgage company in order to consider me but I have a foreclosure sale date scheduled on XXXX/XXXX/16. They are telling me they are unsure if the sale date will be pushed back. I need some assistance with this, please help in any way possible.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment 9 times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (TX)

I receive collection calls throughout the day to my work cell phone number from an automated system representing themselves as " MAURY COBB ATTORNEY AT LAW LLC '' attempting to collect a debt. The automated message states my full name on the recording which is a HIPAA violation. A call back number of XXXX is given however when I attempt to call back it states the person at ext XXXX is not available and to leave a message. This is a business number and I need this to stop immediately.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MOHELA (NJ)

I have been enrolled back at XXXX XXXX University in the XX/XX/XXXX. Recently, i have been harassed by Mohela for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Mohela is now reporting to the credit bureaus that I am late. At this point, XXXX needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.
Consumer complaint received 2015-07-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (CA)

Exeter XXXX keeps calling my cell number and work trying to get me to payan outstanding balance of {$360.00} they say I owe for a late payment that theycant tell me what month exactly it is that was not paid. Their are also showingnegative info. on my credit report due to this problem.
Consumer complaint received 2015-04-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

Here are the details in summary : The original debt for a credit card opened XXXX/XXXX/XX/XX/XXXX was with XXXX XXXX XXXX for {$1300.00}, and was charged off due to my inability to pay. 
The debt was bought by Asset Acceptance who is asking me to pay {$2500.00} instead of the charged off amount. They have a account XXXX XXXX of XXXX/XXXX/XX/XX/XXXX instead of the original date. 
In the process of cleaning up my credit report, I disputed the amount remaining on my report with XXXX XXXX, and they changed the balance to {$0.00}. 
Asset Acceptance updated their entry from a XXXX XXXX, to an open account.
Consumer complaint received 2015-07-02
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: The CBE Group, Inc. (WI)

I 'm XXXX, you used The CBE group to take my XXXX away to pay whatever. I used to live on {$XXXX} a month, you are taking {$300.00} away from My XXXX. I ca n't live on so little. Please forgive what you think I owe. I 'm dying. I sent XXXX letters of hardship, no one even looked at them. Is it ok, to kill me? Why do you have outside company 's like CBE and now another to do harm to me.
Consumer complaint received 2015-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Creekside Recovery And Capital Management (CA)

I was called by a process server contracted by Creekside Recovery and Capital Management. The process server stated she was driving to the known residences of " XXXX XXXX '' to serve lawsuit-related documents. I told her I was not XXXX XXXX ; I am XXXX XXXX, his son. She gave me two addresses which she was going to ; these were prior addresses of mine. Neither of these addresses has ever been the address of my father and I told her that ; she said she did n't care. One of these addresses is the current address of my mother, who is divorced from my father. I was very concerned that this process server would show up at my mother 's house. I called the number given to me by the process server which is the number of Creekside Recovery and Capital Management. Creekside Recovery and Capital Management refused to identify themselves as Creekside Recovery and Capital Mangegment ; instead they used the term CRCM. They also refused to assure me they would double-check on whether the addresses they were sending a process server to were the appropriate address for XXXX XXXX. So they refused to assure me my mom would not be harassed at her home and they refused to assure me my former landlords would not be harassed at their homes. I have not lived with XXXX XXXX in over 10 years, have no connection to this matter, and believe I am entitled to assurance that no process server will be going to these addresses ( or at minimum that they would take some steps to double-check on where those addresses came from in their system XXXX. Furthermore, I believe it was inappropriate for them to identify themselves using an abbreviation when I asked them for the specific name of their company ; they used the same tactic when my mom spoke to them. In and of itself, this intentional misdirection concerning their identity is a form of harassment ; I had no way of knowing they were a real company and not a malicious group of scammers with private information about my family. Finally, they even threatened to sue me for calling them repeatedly to try to get their full name ; again I was only trying to get their full name to confirm they were a legitimate corporation so that I would not fear for our safety. I only found their name later using XXXX and it required multiple searches. Prior to finding their name I also submitted a complaint to the FTC with reference number XXXX do not talk with my father and do not want to be involved with him in any way ; that 's why this matter is disturbing to me. My mom also does not want any involvement with him or this matter but it has been imposed upon us by the aggressive tactics of CRCM and their contracted process server.