davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I talk to XXXX over at Equifax XXXX/XXXX/2015 XXXXEst. I called to ask about permissible purpose allowing false data to being reported on my report and the protection of my identity. He stated that the data was factual. ( Factual : Concerned with what is actually the case rather than interpretations of or reaction to it ). I have sent over XXXX Letters out to these creditors asking them to show permissible purpose that I allowed permission to run my private information, I did n't receive a letter of return from not one of these companies. I have engaged a freeze on my private information because of the damages. It is your responsibility to ensure that the creditors demonstrate clean permissible purpose in accordance with the FAIR CREDIT ACT before releasing a consumer 's credit report Demonstrates that the hard inquiry for met the requirements, pursuant to the fact. 

XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere are multiple dates reported that it was permissible purpose. Please show that it was permissible purpose, each dates, each creditor full documentation. The data is very damaging
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (MA)

In XXXX I applied for the XXXX XXXX Premier Rewards Visa Signature Card and was approved for the lesser card ( XXXX XXXX Rewards Visa Platinum Card ). Most of the benefits were the same for both cards including the " Bonus Night Award Benefit '' which entitled you to the last night free on any award stay. Below all the benefits on the application page for the Platinum card it stated " Enjoy all of these benefits for {$50.00} Annual Fee ''. 

Less than XXXX weeks after being approved for the card, I received an email saying effective XXXX XXXX the " Bonus Night Award Benefit '' was going away permanently. I feel like this was a bait and switch scenario. They also did not change the language on the application page for at least a week after announcing this benefit loss. I signed up for the cards under certain terms and now they are changing. I would not have taken the inquiry hit had I known this benefit was going to be taken away. 

To make matters worse, I just read effective XXXX XXXX, there will be XXXX hotels changing award categories, with XXXX hotels moving up and only XXXX moving down. There are XXXX hotels going from either a category XXXX or XXXX to the top category XXXX requiring at least XXXX additional points for an award stay. 

I was not happy about these changes so I contacted U.S. Bank about having my annual fee refunded. They declined the refund and gave me XXXX points for my trouble. I do not feel this is sufficient for such a major benefit loss to their program. This credit card is significantly weaker than it was just 5 weeks ago and I absolutely would not have applied under these new terms.
Consumer complaint received 2015-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Viking Client Services (FL)

rented a truck from budget, had a blowout, blamed me and billed me {$510.00}. bill was accidently paid twice a month apart. can not get a refund. some excuse that technical issues prevent them from issuing a refund. sent me to collections in the meantime. have sent all documentation to collections, they have resolved, but still can not get refund from budget.
Consumer complaint received 2015-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IA)

I bank through US Bank in XXXX Iowa, Address : XXXX XXXX XXXX, XXXX, IA XXXX. I have opted out from receiving over draft fees. However I am still being charged for them by manipulation of wording. I have attached a screenshot of my bank account balance. This fee is from US Bank because the ATM could n't retrieve money due to NSF. The fees are listed as the following:XX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Debit Purchase -visa Dd/br XXXX XXXX Ia {$9.00} - $ XXXXXX/XX/2015Overdraft Paid Fee Waived {$36.00} $ XXXXXX/XX/2015Overdraft Paid Fee {$36.00} - {$27.00}
Consumer complaint received 2015-06-09
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company (TX)

On XXXX I received a phone call from XXXX. When I answered and said, " Hello '' they hung up on me. I called them back and the girl informed me they were Frost Arnett Collection Agency and wanted to collect a debt. I asked the girl if she would make a settlement, she said no, so I informed her I did not have the money to cover the complete amount. She tried to press me to give her my employment information. When I refused, she accused me of threatening her. ( Which I did not ) These calls were meant to harass, annoy, and upset me and violate my rights under the fair credit reporting act.
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P. (NH)

LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. 

It is XXXX XXXX that owns XXXX companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder for me to serve them. 

I have given them until XX/XX/XXXX to respond or I am filing in the state of New Hampshire in small claims and I WILL cost them more than the debt is worth. 

***Additional note to add. I forgot to include this I believe with my previous complaint against LVNV Funding/Resurgent Capital Services. It is my belief that the Sherman Financial group LLC owns all XXXX of these companies and operates them as shell companies. 

I wish I had known back in 2008 when I let these companies hook me into taking their cards out that they would NEVER let me escape them. That they would just wait until the seven years expired then just pile it back on using one of their shell companies. If you do n't believe me just google the company names and see how many lives they have ruined.
Consumer complaint received 2015-05-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: First Peachtree Finance, Inc. (GA)

The XXXX of the company XXXX XXXX Is A XXXX, And The Company Is Very Dirty, Not Only Charged me 3 Times as much as the car is worth, but also would n't work with me to help me keep my car, even Tho XXXX XXXX Lied and said he would, I had {$4700.00} left on a {$13000.00} Loan, not gon na lie I fell on hard times, and let them know that I 'd be missing some payments, but when I got back on track I 'd resume payments, also told XXXX XXXX that if I fell too far behind to call me and if I had n't made a payment I would, but instead of calling me, he just waited til I called and tried to make a payment, but instead of letting me resume payments, he threatened to put a warrant out for my arrest, even tho he knew I already was facing legal troubles, they claim that they try to help you avoid collections or repossessions activity, but that 's a lie, they 're just crooked money hungry bloodsuckers, also would n't even give me time to get important, valuable property out of my car, cause the car was at mechanic shop at time of repo, and actually if you also include all The repair work I had done on the car, even tho my loan was n't paid up I had still paid XXXX times more than the car was worth ... There really should be laws in place that protect consumers that have invested alot of money in something especially if it 's more than half, from XXXX like FIRST PEACHTREE FINANCE INC. And They Did n't Even Offer To Let Me Refinance.
Consumer complaint received 2015-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BQ & Associates, P.C., L.L.O. (NE)

I was paid an odd amount from my employer. Initially confused, i reported to work and check my paycheck stub online. There i discovered that there was a case filed and a wage garnishment had occurred. Checking my spam mailbox i see a message from payroll explaining the deduction. At this point, I knew something was amiss. I have recently discovered how to keep track of my credit online. to my dismay there are several instances on my credit report that are erroneous. The company in question has since removed the item from my credit report " XXXX '' after i filed a dispute on the credit item. They have since re-added this information. This is regards to a bank account closed in 2009. I also live in nebraksa where Nebraska Revised Statute XXXX stipulates a 5year SoL on written contracts. I do not understatnd why now of all times to pusue the debt or the errant disregard of the statutes of the state of Nebraska. I have not been contacted in any way by this company to date and have just acquired their phone number from our payroll department
Consumer complaint received 2015-09-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Excella Recovery Group (CO)

I was contacted by XXXX at XXXX XXXX. At the time I was on the phone, so was unable to take the call. The caller left a voicemail stating " This is XXXX XXXX calling in regards to documentation returned to my office as undeliverable, no signature obtained. To reschedule a delivery or to get details on this matter before any decisions are made without your knowledge, please contact me at XXXX. '' When I called the number back, I asked for the Company " Excella Recovery Group '' and said that I never received a letter stating what this debt is for. I never received the gentlemans name, but he stated he would send another letter and hung up. I tried to call again and ask for the address and another gentleman hung up on me. The XXXX time I called, a woman named XXXX answered stating ERG and when I asked for the address, transferred me to XXXX. XXXX gave me the address of XXXX XXXX XXXX, XXXX, NY XXXX. ( When I searched this address on the internet, it brings up a realty group, XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX stated that I had complained and they had removed my phone number from the system. This seems suspicious to me. I 've paid multiple times on payday loans and I continue to be scammed by companies. I do n't owe any more on these loans.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-03-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CO)

I opened XXXX accounts at US Bank on XXXX XXXX, 2014. I opened a savings account with over XXXX and a checking account with over XXXX. When I opened the checking account I asked for it to refuse atm and check card overdrafts, but the customer service representative had issues with his computer. It went down and he had to reenter all of my information. I believe he made a mistake. I had to enroll in a XXXX a month transfer to the savings account from the checking account to participate in the start program. At that time, it was electronically taken and I had forgotten that it was to come out on XXXX XXXX, 2014. On XXXX XXXX I received and overdraft, on XXXX XXXX I received XXXX overdrafts and on XXXX XXXX I received another overdraft. XXXX of the overdrafts was for a purchase under XXXX I have included their rules that say the purchase has to be over XXXX to warrant a fee. That 's when I realized that there was a mistake in setting up my account. I called online banking and they refused to help, the banker said I had to change it online or go to the bank. I went to the library ; I did not have online access at my home. I could not change it because I was not on the same computer it was set up on and I had not set up the account previously. I went back to the bank and he refunded XXXX of the charges. As you can see from the attached paperwork I paid XXXX in overdraft. All XXXX purchases did not even equal the fees. I would like the other XXXX overdraft fees refunded, based on their mistake, because I would not have kept purchasing if the debit card had declined in the first place. I had another debit card at XXXX XXXX XXXX XXXX, I would have used it instead. I also want the fee removed for XXXX for a XXXX maintenance fee and XXXX for forced closure. I checked my debit card in XXXX and the machine said it was not available. I could not add or take money out. I want any reports to the credit bureaus rescinded and I hope you fine them. I would like my XXXX back and they need to remove my name from their collections account for closing fees when they had already closed the accounts. 

Thank you for submitting your complaint to the Federal Trade Commission. 

Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : XXXX XXXX to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number:XXXXto help us quickly retrieve your information.
Consumer complaint received 2015-09-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I had a mortgage with XXXX XXXX XXXX which was a VA Loan. They transferred the loan to PennyMac Loan Services , LLC in XXXX. I never received a letter of this, in addition -- when payment was returned, I found out at the branch the account was no longer with XXXX XXXX. In addition, I immediately contacted PennyMac to provide payment for XXXX and also the XXXX payment which was due soon. There was a difference in monthly payment of over {$100.00} now that the mortgage went to PennyMac. None of this information was provided, or conveyed by either XXXX or PennyMac in any capacity. Agent discovered an overage of {$170.00} ( credit ), this apparently was late fees which XXXX never applied to my last payment for what ever reason. PennyMac was sent a large payment of {$2700.00} to cover XXXX and XXXX. As well -- agent stated the late fees they have on their system would be removed. I called a week later and was told this had not occurred and was told the agent would correct this. In the interim, I sold my home and was directed not to pay XXXX payment for the note would be paid off and this would effect payoff if paid. After payoff occurred, I contacted PennyMac and they stated that the late fees were {$230.00} and non reimbursable. There was never any late payments while in their hands. If anything -- I was told this would be corrected. Lastly -- They had inspections of the property for XXXX, XXXX, XXXX which charged a fee. According to Veterans Benefit Affairs, they state that no inspection fees are to be paid by the veteran in any capacity. When asking for proof of inspection, PennyMac was unable to provide this proof. Never the less, when questioning Escrow balance, it appears funds of overpayment are lower than expected. It appears that PennyMac charged a pre-payment penalty by double charging interest and less to principle which is a direct violation of our agreement and outside the business and rules for a VA Mortgage. Fees are not authorized according to the VBA/VA. PennyMac basically ignored any concerns I brought to their attention and these fees need to be recovered and also, I feel I have received undue hardship as a result, loss of time complaining on the phone several times and not impressed that a company can do this to a veteran who is a good customer and has also been in direct contact with the several times. These inspections should never have occurred, it 's a pons scheme, unwarranted, and the double interest payment is a total misrepresentation and I can not tolerate being mis-treated this way.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (IN)

I received a letter from a credit card co. that my account was closed because it was past due, but I was unaware of a balance because they stopped sending a statement, and they did n't send an e-mail notification either. I paid the outstanding balance, which included {$99.00} in fees plus interest, because I thought it may have been my error, but after researching the matter realized it was n't. now they say because the account is closed and the balance has been paid off they ca n't refundthose fees. I have always up to that point paid my bills on time. This has had an impact on my credit rating.
Consumer complaint received 2015-05-06
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NV)

On XXXX XXXX 2015 @ approx. XXXX pst, I went to the XXXX located on XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX for an ATM withdrawal. The ATM gave me an error message of " unable to process request '' and gave me XXXX options- try new transaction or give back card, knowing what my true balance was I knew this was a mistake so I opted to try new transaction and received the same message " unable to process request '', so I decided to press the " give back card '' option and go to the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX , NV ( Note : My Bluebird American Express Prepaid Credit Card is through XXXX ). I went to the ATM machine at the XXXX XXXX and it was out of service so I then asked a XXXX employee if the Bluebird card allows me to do cash withdrawals at the XXXX XXXX, the XXXX employee stated yes, so I swiped my bluebird card on the keypad at the register and the XXXX employee asked how much I would like, I stated " XXXX '', the XXXX associate received an error message of unable to process transaction error message, so she asked me to swipe my card again, so I swiped my card per the XXXX associate request and received the same error message " unable to process the request '' so I asked can we do a balance inquiry, she said yes and balance inquiry stated I had XXXX, prior to going to the ATM I had just checked my account and had a balance of XXXX, so I went back to work since I was on my lunch hour, logged into my account and it showed I had a ATM withdrawal of XXXX on XXXX XXXX 2015 Transaction ID # XXXX, I grew very concerned with this information since I cane to work at XXXX and work nights and sleep during the day and I am VERY detailed and diligent with my finances, I contacted American Express at their Customer Service # ( XXXX ) and spoke with " XXXX '' at approx. XXXX PST on Tuesday XXXX XXXX 2015 who confirmed that they had showed in their system that the ATM did NOT give me the funds and that " I '' the customer would need to to write a letter to an address that she was going to provide ( which is also can be found at bluebird.com ) and American Express would investigate further. I then requested to speak with a supervisor who left me on hold for an obnoxious period of time which at that point I disconnected the call because I was at work and decided to file a complaint.
Consumer complaint received 2015-11-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (MN)

On XXXX 2014, Chase Bank shut down my card with no warning, when I contacted them, they stated that they had reviewed account and closed it with the information they received from the credit report. I contacted them several times and they said, I need to contact the credit bureaus. Now Its been a year, since. I earned XXXX reward points with chase saphire card. I do not have to access to that, I believe it is unfair bussineess practice this happen. I never had a late payement, check returned or went over the limit. I earned those points, and for them to just take it away, is just wrong.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

This latest complaint is related to prior complaint no. : XXXX. The customer, XXXX XXXX, did not receive a satisfactory response from JPMorgan Chase in that earlier complaint. A paralegal in my attorney 's office tried to resolve this matter and we received various reasons why Chase did not refund my escrow. Chase actually sent us XXXX ( XXXX ) reasons why they kept the escrow funds in my mortgage account. The latest '' reason/excuse '' was dated XX/XX/XXXX ( copy of letter enclosed ). The paralegal in my attorney 's office sent a response dated XX/XX/XXXX ( copy of letter enclosed ). 
I settled the foreclosure action and my mortgage was satisfied on the court records. My attorney and I settled the litigation by my paying the sum of {$25000.00}. This was much less than Chase was claiming I owed. The settlement Agreement does NOT mention or address my escrow balance existing at the time of the settlement. A MORTGAGE SATISFACTION PIECE ( pursuant to 21 XXXX Statutes, section 681 ) was filed with the court on XX/XX/XXXX. We have been battling Chase since that date. Since that date, we have received SIXTEEN ( 16 ) letters from Chase stating : " We are writing to follow up on your recent request and inform you we need additional research time because we are still pending additional research to resolve your inquiry of request ''.. The letters always conclude with this statement : " We will have an answer or a status update for you by ( date inserted ) ''. Sixteen times.! I received XXXX ( XXXX ) different reasons why they would not refund my escrow. The latest is the one of XX/XX/XXXX.. I do n't know which of the refusals they intend to stand on now. All XXXX ( XXXX ) can not be accurate. Since I did not hear from Chase by the 30 day deadline, this complaint is therefore filed. I am marking the box " MAKING PAYMENTS '' below as it most closely relates to my problem of Chase refusing to remit my escrow funds. 

I am unable to attach the reference documents electronically, but will forward them directly to your office as soon as possible. 

We are dealing with Chase at this address : CHASE ( XXXX ), XXXX XXXX XXXX, XXXX, OHIO XXXX.