davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Credit card — Store credit 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. (CA)

The cashier at self checkout was helping me and did not return my card and I didnt realize till weeks later when I received emails saying there were new charges on my card and I hadnt used it again since the initial charge. When I called the store they referred me to the credit card company who told me that they would take care of it but they havent and Im now receiving collection letters. I have asked the store to pull the cashiers information from the receipt because that has to be where the fraud was initiated. Ive asked them to pull video footage to confirm and prosecute this fraud and they are not calling me back. Please help. Thank you
Consumer complaint received 2024-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IN)

I rented a vehicle from XXXX and returned it with the exact amount of fuel it had at the start of the rental. Despite this, XXXX charged me {$140.00} for fuel. After speaking with a manager at their XXXX, XXXX location, I was informed that this charge was an error based on photographic evidence showing the correct fuel level. I was assured that a refund would be processed to my XXXX XXXX account, which could take up to two weeks. After three weeks of waiting, I called again, and the manager stated that the credit could take up to five to six weeks. 

After waiting for more than six weeks and not receiving any refund, I submitted a dispute with XXXX XXXX on XX/XX/year>. The dispute was resolved in my favor on XX/XX/year>, and the erroneous fuel charge was credited back to my account. 

Despite this resolution, XXXX has now sent this account to collections through TSI, claiming I owe {$140.00} for toll charges. This charge is entirely incorrect. I have all necessary receipts proving that I paid all tolls via XXXX during my rental period. I have never received a bill, phone call, or email indicating any outstanding toll charges, and I would have received a notice if there were any past due charges. 

Actions Taken : XX/XX/year> : Submitted a dispute with XXXX XXXX regarding the fuel charge, which was resolved in my favor on XX/XX/year>. 
XXXX sent my account to collections afterward, alleging an unpaid toll amount of {$140.00}, which is false. I have documentation proving all tolls were paid and that no such balance existed. 

This appears to be an attempt by XXXX to charge me erroneously after failing to bill me correctly for the fuel charge. I request that the collection account be canceled immediately, as these actions are unjust and damaging.
Consumer complaint received 2024-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I contacted Phoenix Financial Services as soon as I received a collection on my credit report. During this phone call, I requested the original medical bill to give to my insurance company and clear the debt owed. I've called them seven times since then, wondering where this information is. I have not received it, so I can not clear my credit. They keep telling me they shipped it. I keep getting a supervisor on the phone who is more concerned with giving me attitude and false information than resolving this issue.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have never applied for credit with this company for anything, they some how got a hold of my information, took information from my credit personal credit file, and lied to get this information, i have no idea who they are. They keep harassing me by phone, i want them locked out of my personal information. They are fraudlant and crooks. I never even heard of this company, i am very angry about this company, what gives them the right to authorize a person personal file, and place it on a credit report, like they were a creditor, they are ditry, and i want them locked out of this file. 

thereis another company Exeter financesXXXX same situtation with them, I've never applied for credit or heard of them either.
Consumer complaint received 2024-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

Chrysler Capital has tried charged the wrong account for my monthly car payment, charging an inactive savings account instead of my checking account resulting in returned 'online check ' fees ' from them and my bank as well as an excessive late fee. I still an unable to make a payment because of this error. Until XX/XX/year>, I have made over XXXX  years of timely payments with no issues, my bank account information was saved on their online portal. When I XXXX tried to make my XXXX payment on XX/XX/XXXX, they changed their portal resulting in my bank information being deleted and I did not have access to my bank information at the time to enter a payment. I tried to access the website on XX/XX/XXXX but it kept timing out. On XX/XX/XXXX I was able access their website and payment portal to submit my banking information, the same bank account number for my previous XXXX  years of payments and the end of the week days I got a message saying my payment did not go through. I contacted Chrysler Capital on XX/XX/XXXX and they told me I selected saving instead of checking, which was NOT true resulting in them trying to take a payment from an inactive savings account. I resubmitted the same information this time taking, a screen shot to prove I selected checking and verified with a customer service representative that checking was selected and again the payment went to the inactive savings account not my checking account resulting in more returned check fees from both Chrysler Capital and my bank as well as an excessive late fee from Chrysler Capital. 

I have no confidence in them actually using the proper bank account when I try to to make my payment again.
Consumer complaint received 2024-09-22
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (VA)

Freedom debt relief collected over XXXX dollars to help me with debt from XX/XX/XXXX through XX/XX/XXXX. They paid off XXXX debt of XXXX dollars and then negotiated with another personal loan of XXXX dollars said they settled it but took about XXXX dollars and then took out a loan to pay it without telling me. They also negotiated another credit card and paid XXXX dollars on it I called them to cancel with them. They said they didnt care what I did and let me talk to a representative that practically cuss me out and wanted more money they told me they would refund me over XXXX dollars that was in my account. They havent settled yet and didnt pay what was settled. They charged me over XXXX dollars for no work done. I feel this company lied about their policies and what they were going to do for me.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

I am writing to formally lodge a complaint against XXXX XXXX, a collection agency, for violations of consumer protection laws as outlined below. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for your review and appropriate action. 

1. Dispute of Debt Ownership : I dispute owing any and all debts to XXXX XXXX. I request that XXXX XXXX cease all communication with me through email, text messages, and phone calls as of the date of this letter. Please be informed that I am revoking any rights for XXXX, XXXX to contact me using these means. 

2. Debt Validation and Purchase Agreement : I request that XXXX XXXX provide validation of t the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), Additionally, I request a copy of the purchase agreement between XXXX XXXX and the original creditor to verify the legitimacy of their claim. Furthermore, I require proof that XXXX XXXX is duly licensed and bonded to operate as a collection agency. 

3. Violation of Consumer Rights : XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

4. Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 

5. Failure to Provide Required Disclosures : XXXX XXXX has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provided.
Consumer complaint received 2017-08-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

Fay Servicing stated verbally on a recorded line, that if I agreed to the trail modification and made 3 consecutive payments during the trail, I would be granted a permanent modification as well as debt forgiveness. I owned over 100k more than what my property was worth at the time and it made reasonable  sense to agree to the modification with the stipulation that I would be granted debt forgiveness, that would forgive XXXX from the loan. I fulfilled my end of the agreement, made XXXX consecutive payments but, Fay Servicing did not fulfill their end on the agreement and was told that, they could not honor the agreement and grant debt forgiveness that would forgive XXXX from my mortgage, thus bringing my mortgage amount to reflect current value because my property is not located in the state of Illinois.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

I am a XXXX XXXX XXXX who feels utterly frustrated and targeted as a vulnerable person. I called to close my XXXX account with Citibank in XX/XX/year>. I made it clear that no future charges were to be allowed through, and the website showed my account as closed. Since then every month I have received late fees of $ XXXX dollars and have received at least XXXX harassing calls, texts, and emails a day about the account being overdue. It always takes at the very least XXXX different conversations with XXXX different departments after going through IA menu after menu and repeating the information. I was finally told that any company could claim I had an autopay with them and those charges would go through even a closed account, which is exactly what happened. At the time I close the account I specifically asked about if there was any way at all a new charge would go through and was told there was not. The information about closing the account also did not address this hidden exception. I filed a formal dispute with Citi about the continued unwarranted charges in XXXX, XXXX  and nothing happened. Now my online account shows that there was no such dispute and I owe for a charge I did not authorize AFTER the account was closed, and late fees every month after that with all the harassment. I have literally spent hours on the phone with these people and can not get rid of this account once and for all no matter what I do. I called yet again for another hour today, and got so frustrated that I did what I am sure is exactly what Citi intended, paid off the account just to get rid of it. Once again, I was told I would have to call the dispute department Monday to file a dispute. I was again refused a confirmation that the closed account would no longer accept charges of any kind. I am at my wits end!
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I've been receiving many emails from Capital One about opening new checking/banking accounts to my email, but the emails are addressed to other individual names ( multiple accounts, multiple different names ) including their new bank accounts. Then within a week or so of these emails starting, I receive a Capital One debit card in the mail at my home address with my name on it. I reported an alert thru my XXXX identity theft insurance who connected me to Capital One to explain what I was experiencing. When given my personal information they could see my info was used to open a number of accounts. I asked if the accounts were opened using multiple individuals information, and any question I asked regarding the new accounts the said they could not give me ANY information, even though it was my information used to open the accounts without me knowing. They assured me that the account in my name ( the card I received in the mail, the one I never received an email about opening ) will be closed and I would not be liable, but when asked about the other accounts I'm getting emails about attached to my information, they said they will flag them and look into it.
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (PA)

When I reviewed when credit report accoubt, it shows on the student loans that MOHELA has opened two accounts, and it now doubled my student loan debt on my account. It should only be one account/account. Now it looks like that I have more debt than I do. I have reported it to XXXX.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

The company is Commenity. I had a Torrid charge card and have a small bill of maybe {XXXX. Since XX/XX/XXXX I have received XXXX phone calls from different numbers for the company regarding my bill. I have also received text messages and emails as well. Some days I will only receive 1 call and some days I will receive 7. They call multiple times almost daily. 
I informed them of the debt collection laws regarding harassment and they began calling me once a day for a few weeks then went right back to 5 or so times per day after I told them to stop.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report.2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA . 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2017-01-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (FL)

My VA Loan, my mortgage company are taking my escrow and increasing my morgate Payments 15-25 % saying they have sort and illegal XXXX insurance on me even thought I have paid up Insurance already for 12 months, now after money complaint The send me a letter saying that my morgate account Have ecsow surplus now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX XXXX
Consumer complaint received 2024-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Since August 30, 2024 I have been attempting to transfer my funds in my account to an external account and close my account. I've done all the necessary verifications and connected my accounts online. I am under the transfer limit. I have called and spoken to supervisors multiple times, who assure me that each time they have unblocked the transaction, confirmed my identity and in 1-3 days the transfer should be through. Each and every time, my transfer is being blocked for no reason that they can explain other than I need to identify myself for security reasons. In the meanwhile they are holding onto my money in limbo and not earning any interest. Money left my account on XX/XX/XXXX and has held by the bank until XX/XX/XXXX because my transfer was cancelled by the bank. The closest branch to me is XXXX miles away. They can not close my account because it requires a XXXX balance. I can not get to XXXX  balance because they are unable to transfer my funds. I should have easy access to my money if I meet all the criteria they are asking for - which I am. I should be given the interest that is due to me ( the rate at which the external bank was to give ) because they held my money for 10 days.
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (FL)

XX/XX/XXXX I contacted my loan servicer Edfinancial Services about an email I received from the Department of Education ( XX/XX/XXXX ) stating my school was a fraud it violated many laws and my loans were to be discharged and a refund would be given to me for every dime I paid towards these loans the representative I spoke with stated she didnt see anything if something changed she would let me know XX/XX/XXXX I call again same thing no update I check my account no update I call every week until XX/XX/XXXX I check my fasfa and my loan balance says {$0.00} ok I call the borrowers defense to confirm my refund they tell me to contact Edfinancial as they issue the refund checks I call Edfinancial and they point me back to the borrowers defense department Ive been doing the same exact thing every week now its XX/XX/XXXX I have paid {$3500.00} actually was taken out of my taxes ( wages garnished ) towards these fraudulent accounts Im asking where is my refund?? Ive waited the 3 months Edfinancial claims it takes Im really not receiving any help from either department when my hard earned working money was wrongfully taken from me I have proof of any documentation needed Im asking can anyone help me contact Edfinancial, the department of treasury about issuing me my check please???
Consumer complaint received 2016-05-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (NY)

I went to XXXX on XX/XX/XXXX for services i did not have insurance at the time and i was unable to pay the bill. I kept my billing information to eventually pay off the bill. i started to make payments toward the XX/XX/XXXX and i paid off the bill in XX/XX/XXXX. in XX/XX/XXXX i recieved a bill from a collection agency that says i owe XXXX dollars in which i do not owe. i continue to be mislead about my account and what is being done to fix this matter.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (NJ)

It is now XXXX XXXX XXXX XXXX!

I just received my XXXX XXXX Wells Fargo Bank statement and find the following egregiousness:

Five (5) overdraft fees totally XXXX less a XXXX credit less a XXXX credit for a 
GRAND TOTAL: XXXX DEBIT!

BUT THEN THESE:

My check for XXXX not honored: XXXXXXXX  overdraft fee
My check for XXXX not honored: XXXX overdraft fee!

THESE TWO (2) CHECKS without my knowledge COULD NOT BE HONORED because of the aforementioned XXXX in OVERDRAFT FEES!

Doesn't anyone at all at Wells Fargo Bank comprehend this SNOW-BALLING EFFECT of the aforementioned XXXX in overdraft fees? THAT WITHOUT THESE FEES, these two checks totally XXXX would clearly have been paid!!!!!!!!!!!!!!!!!!

Is this not gross incompetence on the part of Wells Fargo Bank?

And, to repeat yet again, many times, IN FACT, without a mobile phone to access my checking account, I HAD NO KNOWLEDGE AT ALL THAT THERE WOULD BE SUCH FEES AS TO CAUSE THE TWO AFOREMENTIONED CHECKS, IN EFFECT, 
TO BOUNCE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-09-13
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: NAVY FEDERAL CREDIT UNION (CA)

I have applied a couple of times for a credit limit increase to XXXX} at Navy Federal Credit Union and have been denied based on credit score, which per CFPB 12 CFR 1002.2 ( c ), Title 15 U.S.C 1681 and 1691 is discrimination and adverse reactions to grant credit, which has caused extreme hardship for me and my family.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (TX)

The presence of a negative rating on my account is a source of great XXXX for me. I'm extremely concerned about how it may affect my credit standing. This rating has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until the matter is resolved.
Consumer complaint received 2024-09-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MN)

NATIONAL CREDIT SYSTEM Collection Account ( Account # XXXX ) Balance : {$1900.00} As a victim of domestic violence, I was forced to leave my previous living situation, which led to this disputed debt. Under Minnesota Statutes 332.37, debt collectors must 1 validate their right to collect any debt. I have not been provided with the necessary proof that XXXX XXXX XXXX legally owns this debt and has the authority to collect it. 


Additionally, Minnesota law offers protections for victims of domestic violence that should be taken into account in this matter. Given these circumstances, I request that this collection account be deleted from my credit report immediately.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 4 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXXXXXX XXXX made on XXXX XXXXXXXX XXXX XXXX JPMCB CARD BANK,  made on XXXX XXXX XXXX  XXXXXXXX XXXX XXXX MADE ON XXXX. XXXX XXXX XXXX XXXX XXXX, MADE ON XXXXXXXX XXXX XXXX Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.