davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (NY)

I seem to have a bill in collections for an account not owed. A few years ago I ordered verizon highspeed and prepaid over XXXX and cancelled within days. and they sent me back a check for XXXX. After some time I noticed a bill for XXXX in collection with DEBT RECOVERY SOLUTIONSLLC. I do not beleive I owe this and company will not discuss matter with me. Verizon said they sold account and have no further info.Please remove from all my credit accounts.Again I do not owe this.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

The credit card company has been notified of unauthorized charges and they have ignored my many attempts of reaching out for assistance. I have been a victim of identity theft and let them know that and they left a Credit card in my name open aft e being notified of this. There are many charges and they are now reflecting negative on my credit file. Sears has not done anything to resolve this issue
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I opened a Macys account in 2014 when they promised a discount on all purchases that day. I later found out that they did not discount as they said so only kept this account for a few months. When I received a statement in XX/XX/2015, it said I owed {$66.00}. I paid this on XXXX/XXXX/2015 and asked that my account be closed since I felt I could not trust this company. Today, I received an email saying I owe them {$4.00}. I called Macys this evening and the woman told me they charged an additional {$2.00} after I paid off the account and now they are adding another {$2.00} on the original XXXX. She could not help me stating her manager would call me at some point but she could not say when.
Consumer complaint received 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (VA)

A XXXX sales agent contacted me in XX/XX/XXXX to inquire as to whether or not I was interested in switching from my phone provider to XXXX. The agent explained that the promotion entailed XXXX free minutes a month to any country of my choice. I inquired if the promotion included the XXXX XXXX. The agent replied in the affirmative. I expressed my surprise at this and ask for confirmation that the XXXX XXXX was included in the promotion. The XXXX agent again replied " yes - the XXXX XXXX is included ''. I selected the XXXX XXXX as my country for the free minutes and indicated to the XXXX agent that this was my sole and only reason for accepting the promotion and offer to switch to XXXX. She congratulated me on my selection. 
In fact, the promotion did not include the XXXX XXXX and the bill for the XXXX month was {$800.00}. I called XXXX and the agent explained that the promotion in fact was never intended to cover the XXXX XXXX. I explained that I relied on the XXXX agent who misinformed me and cancelled my XXXX phone service. XXXX apologized for its error and indicated that I would not have to pay the bill. I received a credit for {$800.00} on my final bill. When I contacted XXXX on XX/XX/XXXX, a representative confirmed that I owed {$0.00}. 
However, I recently discovered that XXXX has turned the bill over for collection, ( the name of the company is Debt Recovery Solutions ) which has negatively impacted my credit score and has prevented me from refinancing my mortgage. 
I have contacted the debt collection agency, which indicated to me that it has no information to support my assertion that the money is not owed, and that therefore, they will continue to try to collect the {$800.00}. 
I again contacted XXXX, which informed me that since they sold the debt, that there is nothing that they can do to assist me to resolve the matter. 
Thanks you for your assistance and keep up the good work that you do on behalf of the American people.
Consumer complaint received 2015-08-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IA)

Several months back, I was told by a banker at Wells Fargo that I could sign up for " overdraft protection '' by having my savings account tied to my checking. I was told that if I ever overdrew my checking account, that the funds would be automatically transferred from my savings. I have recently closed the savings account, due to loss of income, and reviewed my checking and savings history over the last few months. I noticed several {$12.00} charges for each automatic transfer from my savings to my checking. I was not informed of these charges when I agreed to the option. Had I been aware of the charges, I never would have agreed since I can transfer the funds myself online for free. I attempted to contact Wellls Fargo, explain the issue, and request a refund. I was told by the operator that they always tell people about the fees associated with these transfers, and that they will not refund the money. The most they could offer was a flat {$37.00} for the inconvenience. I explained to the operator that any fees associated with an account service have to be disclosed beforehand. I also requested that they review the call log to verify that I was not informed of the fee ; He refused. Wells Fargo should not call these types of programs " overdraft protection '' without disclosing the fees. It misleads consumers to think they are " protected '' from those fees when they sign up.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX 2015 I paid off my credit card balance of XXXX online. Then Iclosed my account with CapitalOne with that payment. Then all XXXX sudden in XXXX 2015 I began to get series of phone call fromCapitalOne that I should call them to discuss my account. For some time I ignoredI ignored the calls as I know I do not have any account with them tobe discussed. When the calls did not stop I decided to access my acct. 
with the company to find out what the calls were all about. To mygreatest surprised I was shocked to find out in my account that I am stillowing {$190.00} and that made me to call the company to dispute theamount. I spoke to XXXX who decided to wave the {$190.00}, butdemanded that I should pay the minimum payment of {$94.00}. Heasked me to vow that I will make the {$94.00} minimum payment. 
I called the next day that I was not going to make the {$94.00} payment. Icame to this decision because I was beginning to believe someone wastrying to SCAM me.
Consumer complaint received 2015-11-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

I had requested an expedited external transfer for an additional {$7.00} fee on XXXX/XXXX/2015. However, TD Bank failed to mention that the fee would be deducted from my account a few hours AFTER the transfer had been complete ( industry standard practice is to deduct the fee immediately ). This caused me to fall below my minimum daily balance of {$100.00} by {$7.00} ( to {$93.00} ). I immediately transferred an additional {$15.00} to the account just to be safe and avoid a fee for dropping below my minimum balance. However, I was charged {$15.00} on XXXX/XXXX/15 ( XXXX! What XXXX! ) for falling below my minimum balance for less than 72 hours. I feel that the bank intentionally delayed the deduction of the {$7.00} transfer fee in order to collect an additional {$15.00} fee. I had called them and they gave me a typical, pre-scripted response, and claimed that they were unable to help me.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION (NJ)

In the previous response to the complaint, the company, First Advantage Corporation said that it revised the report to correct the error. However, I received the report today, and it has the same incorrect information. Under driving history, under accidents it says there was a " conviction date '' of XXXX. However, the driving abstract from the state simply says the accident was posted on that date. There never was a " conviction. '' Attached is the driver record again.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I got in touch with XXXX yesterday to discuss getting a mortgage. I discovered today that my credit report was negatively affected by my inquiry with them. I do n't understand why I 'm being punished for trying to acquire necessary mortgage information. Checking credit is part of acquiring a mortgage, and I do n't see why people should not be allowed to make any necessary inquiries they want. It 's my credit. I should be able to check it as often as I 'd like and allow it to be checked as often as it needs to be. I do n't understand how something so important to making big decisions in a person 's life can be so easily negatively affected. I want this drop in my score to be expunged!! This is unfair treatment for doing something that is far from any sort of irresponsible behavior!
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (GA)

I am long time customer of rushcard and recently they updated and changed their technology and now im not able to access any of my money no deposits are showing up and im not able to contact anyone working for this company I think they are stealing everyones money and trying to get away with it
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I had XXXX of my accounts removed and inquiries removed at the beginning of XXXX 2015 without my consent. I see now that Equifax has did a mediocre investigation, while I do appreciate them adding my accounts back on, which are XXXX accounts on XXXX which were previously deleted because they were not mine, need be deleted and they also added about XXXX XXXX inquires which are not mine and must be deleted. If they took the time to look at my credit report as reported on XXXX XXXX, 2015 they would see my credit score was a XXXX and now has dropped to a XXXX, this is not acceptable and they must take the direct actions to remove accounts that were not on my record before as well as remove inquires which are not mine. I would also like them to open accounts which they have closed. My credit needs to be a XXXX or higher now and because of this it has dropped Equifax needs to fix this now. 

These accounts were XXXX : XXXX, Inquiries, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, I did not authorize these inquiries. 
My name is reporting wrong as well XXXX XXXX XXXX be XXXX XXXX XXXX of my accounts that were open are not stating they are closed. I would appreciate it if Equifax reported the open accounts. I have attached my credit report for their review from XXXX/XXXX/2015 before my accounts were removed. I would appreciate it if they could report the open accounts as they are in my report as it is from XXXX XXXX report in XXXX 2015. Also Remove the inquiries those are not my inquires and must be deleted. Thank you Equifax. These dysfunctional reporting cause my score to drop XXXX points and my credit score dropped because of whatever happened which was unauthorized. I need Equifax to fix my credit score and fix the accounts I attached my report on XXXX XXXX, 2015 and am reattaching it again XXXX XXXX, 2015 which is true and I will notarized and documents to prove my honesty. I need my credit report to report exactly as is or else Equifax is breaking the law to me as a consumer. I Demand them to fix this asap.
Consumer complaint received 2015-09-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

My wells fargo bank robed me they posted a transaction was posted to my account on XXXX/XXXX/2015 and the posting date was XXXX/XXXX/2015 and i was charged {$35.00} for overdraft on XXXX/XXXX/2015 I requested the bank to take a look at the transaction and i check my account till the last minute of XXXX/XXXX/15 i have a prof my account went negative today but before XXXX XXXX i have deposited the amount and i 'm still getting charge the overdraft fee.
Consumer complaint received 2015-10-24
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (KY)

On XXXX/XXXX/2015 I should have received my direct deposit from my job that was sent to Rushcard to deposit on my account. It was not posted that night the next morning I called to see what was going on but I could n't get through, I figured it would be on there the following morning when I went to work.XX/XX/2015 I went to work and checked my Rushcard app on my phone to see if my money was there because I had n't received my text message saying it was there, when I looked it said I had XXXX from a Process credit. On XXXX/XXXX/2015 I went to the bank to withdraw my money to pay my bills and my card was declined so I pulled my app up for the teller and showed him it was there so he ran it again. The second time he ran my Rushcard my account went to XXXX, I let him know that he got the money because my balance went to XXXX, He stated ma'am your card declined and it did n't give me your money, How embarrassing! So I went to work and that night I was able to get ahold of a representative for Rushcard after being on hold for an hour, they explained that my direct deposit was safe and they were working through some glitches and it would be posted soon but could n't give me a day or time. Long story short.. it is now XXXX/XXXX/2015 and I still have not received my direct deposit from XXXX/XXXX/2015 from my job that was sent to Rushcard. I have spoke with several different CSR and have been told a lie everytime I 've called.. It feels like I was stolen from because they will not give me what I have worked for. I had to go take out a loan just to pay my bills and to keep from loosing my car because Rushcard wo n't give me what is owed to me.. Every time I call Rushcard and put my information in it will ring three times then hang up. I have switched my direct deposit over to someone else now so that I wo n't have to worry about this anymore but Rushcard owes me {$580.00} and I want my money. I have my paycheck stub and all my Rushcard transaction history printed for proof of what they owe me.
Consumer complaint received 2015-06-17
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Currently I have a mortgage account with Chase Bank, and I have inbond account due to loan modification. While ago, I received the escrow account analysis indicates that I have shortage of escrow account. I made XXXX scheduled payments on XX/XX/XXXX and XX/XX/XXXX with amount of {$460.00} and {$460.00} to pay off the shortage of {$920.00} before XX/XX/XXXX since my new payment will start on date. The first installment payment cleared to my bank on XX/XX/XXXX, and second payment did not clear via my personal checking account as today ( XX/XX/XXXX ). I called to Mortgage Customer service hotline to speak with the representative, after talked to him about 28 minutes, he asked me to follow up with my own bank to find out why the payment did not post, I told him it did not make a sense at all since it was scheduled on chase.com and electronically fund withdraw, how did my bank know about this transaction? I asked for his supervisor, after 15 minutes wait, finally got XXXX, Senior Account Specialist to assist me, and she called online support specialist, XXXX to handle over my inquiry, 10 minutes passed, XXXX told me that she was unable to resolve the issue, and transferred my call to another online support staff while she introduced herself and me. The online support staff immediately handled my call to another online support and the last staff I started to discuss then she started to ask me XXXX security questions to be able to identify the who I am, I was transferred from one representative to other representative, and the last security question asking for " from initial opening Mortgage account with Chase XX/XX/XXXX, how much the payment you have made on XXXX mortgage payment with following XXXX options .... '' I told her that I can not remember 10 years ago mortgage payment since I have been changed so many times. If you would ask me how much monthly payment I made last two years, I can tell right away, but 10 years, who had that good memory, and I provided answer to None of above. After I answered that she said based on my answers, she was unable to provide any information regards to the outstanding payment, I asked for speaking to her manager, and I was placed on hold again, and I looked up my phone display it was XXXX minutes passed. I hanged up the phone, and the issue has not resolved by almost 1 hour phone with XXXX transferred.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CO)

I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been disputing a fraudulent reporting from XXXX XXXX to Transunion about a zombie debt that has fraudulent activity dates and the California status of limitations expired for the last 3 years but Transunion has not done a deep and effective investigation and keeps accepting reports on this invalid debt to this date. I am trying to dispute it, but I am being denied online access and they say the record has been disputed already and that I have to contact them through a P.O. BoxIs this never going to end? Is there a complacency from Transunion toward XXXX XXXX on this matter to let them post monthly updates on an invalid and fraudulent debt collection?
Consumer complaint received 2015-10-23
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (AL)

I opened an online savings account with Discover Bank with the promotion code XXXX, which was to award new savings account customers with {$100.00} if they open a new savings account by XXXX/XXXX/2015 and fund with at least {$15000.00} by XXXX/XXXX/2015. When I entered the promo code in the account application process, it immediately showed the terms of the promotion, so I felt confident it was being applied to my account. I opened the account on XXXX/XXXX/2015, and funded it over {$15000.00} by XXXX/XXXX/2015. However, now that the 30 days has passed since funding ( the specified time frame in which the promotion was to be awarded ), I contacted Discover and they informed me that they had no record of a promotional code being used to open my account. I would not have opened the account, or had the predictable transaction pattern, had I not signed up for this very specific offer which appeared to be successfully applied when I opened the account. They are now saying it will take them 8 weeks to investigate my case, for a promotion that was supposed to have paid out in 4 weeks already. This seems like an extreme amount of time.
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Scott and Goldman, Inc. (CA)

This debt is over 8 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

In 2011 I left my XXXX husband. We had three months left on our lease and I stayed at home with my parents and paid the remaining three months. I also turned in my 60 day notice in XXXX of 2011 and our lease was up in XXXX. ( I paid XXXX, XXXX and XXXX rent ). I talked to the lease lady and she said I was all clear. After our lease XXXX XXXX signed a new lease and they did not take my name off and put in lease in my name without my permission! I found this out years later when Rent Recovery Solutions had a {$2500.00} collect charge. I tried calling XXXX apartments and they could not help because they were under new management. I called the old management company and they could not provide me any information on the lease dates etc. I have gotten this removed from XXXX and XXXX but it is still on my XXXX report. This lease was started without my permission and the charges are not mine.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

Presently I have my mortgage loan with Ocwen Loan Servicing ( Loan No. XXXX ). For the past few years, I did have the same loan w/ XXXX under Obama 's mortgage program for low Income families, Ocwen purchased my loan from XXXX few years ago and they purchased it under same terms that I had with XXXX . 
Since XXXX of 2015, Ocwen has been harassing me regarding to buy Home Owner Insurance for my unit from them for the amount of {$740.00} per year. Ocwen is fully aware of our Townhomes Insurance policy for the past few years, suddenly they want me to buy insurance from them for interior walls and contents in my unit, and I believe Ocwen 's decision and attempt in this matter is illegal and unreasonable since they bought the loan from XXXX as it was. 
I have had to speak to Ocwen reps a few times and I did mail the Certificate of Liability Insurance to them but Ocwen is still harassing me, with Certified mail and they have not been reasonable.
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (PA)

So a few months ago I checked my credit report and noticed a account by the name of Seventh avenue I never heard them and know for a fact I do n't owe them any money.spoke to my mentor about it and a rep at my bank and they told me to dispute it maybe it was a accident. So I disputed with XXXX first and it keep saying verified! I do n't understand how they are veryfing this so I contacted the company seventh avenues by phone and mail and they told me it was nothing they can do. I 've been getting turned down for credit card for this reason and it unfair. This needs to be deleted because it is n't accurate.this is causing me a lot of stress because I do n't have any other negative items on my credit I am very responsible.