davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc (FL)

There is are accounts on my XXXX, XXXX and XXXX credit reports that I have no knowledge of. It's clearly identity theft and fraud and I would like the accounts removed from my credit reports immediately. 
There is an account by the name of Financial Assistance Inc reporting derogatory in the amount of {$250.00} on my XXXX, XXXX and XXXX credit profiles I have no knowledge of.

There are 3 accounts from a company by the name of XXXX reporting derogatory in the amounts of {$210.00}, {$95.00} and {$77.00} on my XXXX profile that I have no knowledge of.
Consumer complaint received 2017-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

I was checking my credit through   XXXX   XXXX   and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is  XXXX    XXXX   XXXX  . I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where  2 accounts one  was for  XXXX  dollars and the other was for  XXXX  dollars. I 've sent direct disputes on  XXXX  and  XXXX . I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi. I did an external transfer from one account to another in the form of a check. The check was deposited to my Capital One account in the amount of {$510.00} on XX/XX/XXXX. Capital One, both signed and cleared the check then placed my funds on hold. I have a detailed image of the deposit date and stamp by Capital One. 

I called Capital One on XX/XX/XXXX at XXXX XXXX and the man on the phone, by the name of XXXX XXXX said the funds would be on hold until they verify that my account with XXXX is valid. Mind you, CAPITAL ONE ALREADY VERIFIED AND CLEARED THE CHECK ON XX/XX/XXXX. I have a detailed image of it. As of XX/XX/XXXX, my funds are still unavailable and I can confirm that these funds have also been deducted from my XXXX account. I HAVE BILLS TO PAY WITH THESE FUNDS!! 

I deposited a checked in XXXX and it didnt go through as the account it was coming from was short by {$10.00} which I was unaware of. Capital One placed a restriction on my account which I called and had removed on XX/XX/XXXX. It was SO EASY for them to question the validity of my account from this XXXX small occurrence. 

Ive been a Capital One customer going on 10 years and will say that their service is both terrible and outdated compared to most banks. I switched the direct deposit from my employer to a different bank for this reason. 

This is a fair warning, please RELEASE my funds as you have already signed and cleared the check from your end as of XX/XX/XXXX.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Account closed and I'm in SC needing my money ( available balance ) been victim of hurricane and in dire need of food and water. Was told numerous times money had been transferred and it had not. I'm on XXXX and it's my entire XXXX check {$1000.00}
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

My credit limit was unexpected lowered on my 2 personal accounts to {$1000.00} from {$5000.00} and {$2000.00} respectively in the middle of the night adversely affecting my credit report even though the accounts have a zero balance. In addition this company increased the interest rate charged to the account without proper notice.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everi Payments Inc. (FL)

I got a call from a number, the associate on the phone stated that the Company attempting to collect the debt was XXXX XXXX. While they put me on a brief hold, I looked up the company 's number as I have NEVER conducted business with this company. I checked to see if it was possibly an affiliate number for someone I had conducted business in the past but instead found a plethura of complaints against them citing their abusive language their robocalls. I stayed on the line to let them know that I am on the Do Not Call List. ( est. 2005 ) They begin trying to verify my identity. This is a tactic they use to " verify '' the debt. I let them know that the name they gave was a former name I used and that I do not give out my personal information over the phone for faud and identity theft reasons as there are lots of scammers. I requested them to send me documentation with my signature that proves that I am liable for this debt as well as the master purchaser agreement. I also asked to send me any documentation via mail for me to review if they believed that I owed this debt. They hung on me. This was all on a recorded line as they stated at the beginning of the conversation.
Consumer complaint received 2024-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TN)

XXXX Loan was sold to mr Cooper, I have previously made payment to prior mortgage company on XX/XX/year>, was calling to see where mortgage payment was, and if there was a problem, before it came a problem, because mr coopers website is stating I am already late. Tried using there automated system and it just looped me in to a continuing cycle. I asked for customer service, and it kept asking for what, I would say payments, then again what I needed and then again asked for customer service and got nothing, finally I asked about refinance, got a XXXX on the phone, asked to be transfer, she had no idea, she was from XXXX she stated. What is a consumer supposed to do. CFPB has been playing with this company for years, maybe it's time to finally hit them where It hurts finance wise.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (SC)

Below is our concise summary of the events that led up to the credit card debt : After purchasing a vacation package in XX/XX/2017, attending another sales pitch and upgrading our ownership we were moderately happy with the results at the time. 

The real turn of events happened this year in XX/XX/XXXX. We were informed by XXXX XXXX that owning a " Land Trust '' was the " future of the company. '' After much deliberation AND with the agreement that there would be no cash outlay/no payment out the door on our part, we agreed. She went on to say that we could simply use the equity from the 2 timeshares that we already owned to purchase the Land Trust. 

We were encouraged to apply for a credit card for RCI as part of the enrollment process. We were fine with doing so with the understanding that this would be an open line of credit directly tied to the ownership ( for points, perks, etc. ) and that since we were trading in the previous timeshares we would not be responsible for any associated balance. XXXX XXXX assisted us in the closing process and reiterated the very same information so we left feeling very " tucked in. '' NEVER was it explained that a down payment would be on the credit card. 

Turned out that not only had we traded in the previous timeshares in but a {$16000.00} down payment was put on the RCI credit card. The interest rates were awful and therefore, we were left with little to no choice in taking out a personal XXXX loan ( with lower interest rates ) to pay off the unexpected debt. 

We are intelligent, educated individuals of sound mind that can say with great certainty that they purposefully presented this as something that it was not. 

We are both retired military veterans and for this to go unregulated is unacceptable. We would appreciate all the assistance you can provide.
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I entered into a loan agreement with Wells Fargo Mortgage on Monday, XXXX XXXX, 2016. I had been preapproved for several months. I advised my loan officer that I was looking at many different types of homes to purchase. In XX/XX/XXXX, I asked if they lent on Manufactured homes. I was advised the did indeed lend on that type of home, if the land was included. A week or two later, I asked if they did leased land in communities. I was advised that if it was in an approved community, they would. I gave the name of my community. I checked back a couple of times, to verify a purchase was possible in my chosen community. I was advised it was approved. I closed on the sale of my home on XXXX XXXX, 2016. I signed a contract to purchase a home that afternoon and proceeded to start the formal loan processing process. I was advised I would need to pay {$610.00} for an appraisal. I gave the loan agent the number to my credit card. I forwarded all requested documents and signed all forms. I received a call from the loan processor the next day to go over my paperwork. He stated he needed the name of a title company, I advised him it was not necessary in Florida. I requested he speak to the agent at the community. I called to check on things on Wednesday, he said he was almost ready to submit my documents for approval. On Thursday, my agent called and stated that she had indeed spoken with the lender. I received a call from the original Loan officer that stated they would not be able to make the loan on the manufactured home because it was not being converted into real property and their bank did not do that type of loan. After the shock of having deposited money on a home, I now did not have a lender, I asked for my appraisal money back. I was told the refund had been processed. I checked my bank account from Friday to Monday, XXXX XXXX, no refund. I called on Monday and left a message for the processor with no call back. I called again later in the day and he told me he would check on it and call me back. I did not receive a call back. I called again Tuesday and given a tracking number for the transaction, that only is trackable through their system. I call my bank, they have not pending deposit. I call for a supervisor and got voice mail. I do n't understand why it takes this long to credit my account.
Consumer complaint received 2024-09-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JNR Adjustment Company, Inc (CA)

I received a letter stating that i have a contract with them alleging that I owed this debt to this company without receiving any proof of it of this alleged debt and enforcing to pay the amount and also they ar demanding payment or will pursue legal action and that is also illegal with having no proof of A copy of the original purchase agreement, Proof of the assignment contract, Explicit proof of my consent, Legal justification.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

my parents are both deceased. they left house behind and the house still has a mortgage. my XXXX sisters were living in the house and were not paying the mortgage. I called Ocwen after my XXXX sisters moved out the house. I was advised by Ocwen that if I paid the back notes the mortgage monthly note would still be {$480.00}. Ocwen advised me to file for a loan modification and while waiting for a decision from the loan modification I did n't have to pay the monthly note. They would add the months to the mortgage end date. I was denied three times. Each time Ocwen kept telling me to apply again. Well, XXXX months went by and me and my family are living in the house. So Ocwen offers me a re-payment plan two days before the Sheriff sale. Of course I adhered to the offer. Heres the offer : {$7000.00} down payment and 11 payments of {$1500.00} and then everything would be caught up and the note would go back to {$480.00} per month. Now Ocwen is claiming that I owe them {$2700.00} in fees and other cost .... and the new monthly note is {$1200.00} Ocwen are scam artist. Please advise me of what to do.
Consumer complaint received 2016-12-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Eaton Group Attorneys LLC (LA)

XXXX dba Eaton Group Attorneys, XXXX, XXXX harassed me and my family at work and home for XXXX years. They claimed they bought a XXXX year old XXXX that belong to me. In 2008, after hardship during XXXX, we file bankruptcy. So, this debt was discharge by XXXX. 

In XX/XX/XXXX, XXXX/LVNV XXXX sued me and corrupt civil court Judge XXXX ruled in their favor because I could not go to court because of work and my mental disorder. 

They ignored my complaints of statue of limitation, bankruptcy filing and illegal predatory debt collection practices. 

Now, they have forced my job to garnished {$1400.00} per month on a debt that was XXXX. After, the first garnishment, I have no means of paying for groceries, utilities, fuel, car notes, or emergencies. 

The initial debt was {$5000.00} and now it is {$8000.00} and counting.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

Ally Bank defrauded and short changed me by sending a refund for less than what it should have been for a vehicle extended warranty contract. Ally bank not only deducted money for the warranty contract that was never used but instead of charging me {$25.00} cancellation fees, it charged {$50.00} instead. This is fraud and I am sure that there are other unsuspecting consumers that are being defrauded by Ally Bank.
Consumer complaint received 2016-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/2016 I received an escrow letter from Caliber Home Loans stating that My mortgage payment was going to increase from {$620.00} to {$1500.00} on XX/XX/2016 due to an escrow shortage caused by an HOA assessment in the amount of {$340.00}. I immediately contacted Caliber and spoke to XXXX who advised me that a check was being sent every month in the amount of {$340.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Fl XXXX. I advised her that my association is XXXX XXXX at XXXX XXXX XXXX XXXX Fl XXXX and my association fees are paid by me every month they are not included in my mortgage and that there are no special assessments on my property. After numerous phone calls and XXXX XXXX, 2016 fast approaching and nothing being resolved on XXXX/XXXX/16 I was forced to seek legal counsel to have to resolved before my mortgage was in default due to not being able to make payments that were not correct through no fault of my own. I had to pay {$900.00} to attorney XXXX XXXX to ave this issue resolved on XXXX/XXXX/2016 XXXX XXXX sent a letter requesting this be resolved and fortunately at this point my mortgage payment has been corrected. I am still currently out {$900.00} in attorney fees that Caliber does not seem to want to reimburse me for. This was something that had they not erroneously mismanaged my escrow account or at minimum resolved the issued when they received my letter and documentation supporting my mortgage should not be going up because this was an error on their part I would not have had to pay {$900.00} to an attorney
Consumer complaint received 2024-09-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Credit, Inc. (CA)

They have repeatedly called family and family friends reporting my debt to them in an attempt to reach me AFTER they have already talked to me personally on the phone in which I told them I will be handling the debt directly and not through any third parties. After telling them that, I asked them to stop contacting me and my family/friends exposing my debt and they have now been calling still for months
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

RE : You Violated the United States Code Law ( TILA 15 U.S Code 1666 ( b ) billing error ) To Whom It May Concern, Recently I checked my credit report and noticed multiple billing errors under 12 U.S Code 1666 ( b ) billing error- ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligatory. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. If the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to paid as agreed on my consumer report. 

GM FINANCIAL XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (DC)

They never told my I had to wait 3 business days to receive my funds in my new account I was told I could get it the same day and when I asked them to return it to my employer they said I still have to wait 3 business days and that they will still take the money of my check
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

XX/XX/year> I authorized a charge of {$4500.00} to XXXX XXXX XXXX XXXX. 
XX/XX/year> I was informed that they lied about the services they could offer me. I immediately told them I would not be doing business with them, and that I wanted a refund. They said they would work on processing it. 
XX/XX/year> XXXX  XXXX XXXX processed refunded {$3600.00} of the original {$4500.00} to me. They stated that they were not going to refund {$850.00} because of the " work they had done ''. This is a lie, they provided me with nothing but wasted time and lies. I received absolutely no help or services from them. 
XX/XX/year> I opened a dispute with Citi for the remaining {$850.00} XXXX. I provided the all of the proof that the XXXX XXXX lied regarding their services, and that I received no services. 
XX/XX/year> I receive a very basic automated notice from Citi that states my dispute is resolved in favor of the merchant because " I received services ''. 
XX/XX/XXXX - XXXX, 2024 I contact Citi multiple times to have this dispute re-opened and resolved correctly. There is sufficient proof for this dispute to be resolved in my favor. The representatives I speak with transfer me to the " dispute XXXX ''. This person says they can't do anything and that we " need to wait on the investigator '' and that I " should receive a response in the next 7-10 business days ''. 
XX/XX/year> I receive another very basic automatic notice from Citi that states my dispute is resolved in favor of the merchant because " Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. ". 

This dispute has been ongoing for over a month. Citi doesn't seem to care about the customer. I have been a customer of theirs for many years, and have excellent credit. None of that seems to matter. They will lose a long time customer over what should have been a simple dispute to resolve.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( XXXX  Progress ) received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

In XX/XX/XXXX I sent email in writing to remove PMI and both times it was rejected. So I waited for a few months more. On XX/XX/XXXX I sent a copy of the recent a appraisal we did on the property to proof that the value has increased. PMI department is saying that we can not do just any appraisal. We need to wait till next year and regardless of the value increase. PMI dept also said that the only options are that we either wait till next year XX/XX/XXXX, pay lum sum or proof that we have done any improvements.
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NY)

I have used paypal credit for years. This year I made a bigger purchase. Upon sending my payments Synchrony bank would send them back. Then charge me late fees and interest. I personally called and was told that they credited a old account and would rectify it. This is still happening and I just recieved another check from them after they cashed the {$300.00} payment that i made. My records show that I owe about {$1000.00} less than what I'm being charged. This is a simple fix however since I was straight up lied to as it still continues. Knowbody taken the appropriate action to fix their mistakes. Instead I'm still getting overcharged and having to babysit every payment has taken alot of my time. My records show I've always paid on time and have continued too. They also show the great deal of diffrence in what I'm being charged. This has been brought to their attention every month but have gotten no help just continued fraud. I also recieve non stop calls even Sundays at XXXX as well as text messages asking for payments already made. They refuse to be of any help or show their moral, ethical and legal obligation to fix their mistake. Please help. Thank you