davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

not to long ago before i moved back home to Florida i closed my account with bank of america. When i decided to reopen an account with another bank such as XXXX XXXX i was told that there was a problem with my account and the problem was that there was fraud on it. A while before that i had lost my wallet while i was still in California and i recently called my old bank ( today XXXX/XXXX/XXXX ) to make a claim about the situation, they told me that i should call the police department and make a report about losing my belongings XX/XX/XXXX. My everything was inside my wallet including my social security card, High school information, my address, and a few I.D pictures of myself and also my online banking information which included my log in info to my account.
Consumer complaint received 2016-01-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I filed bankruptcy ( chapter XXXX ) in XXXX, Then I filed chapter XXXX in XXXX and all my debt was cleared. But this Company HSBC Bank, keeps showing as a collection on my credit Brueau. I really do n't even remember opening this acct. Because at the time they say this acct. was open I was in Bankruptcy at the time. When i called the Co. last yr. XXXX, and explained this to them, they could'nt even sent me any evindence that this acct. was mine. And they never tried to even contact me about this debt that they show I owe. Thank, for your help with this matter.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I had a secured credit card that I put a deposit down for in the amount of {$200.00}. I paid my balance in full almost every month. I started getting behind on my bills and did not want to get to far behind so I closed the account in XX/XX/year>. The company called wanting payment and I asked them to send me a final itemized bill. I never got that. It went to a collection agency and when they called I asked for the original signed contract and the final itemized bill. The only information they provided was copies of my monthly bills from when I was in good standing with them. I called them to tell them that isn't what I wanted and that my {$200.00} deposit has not been applied to the balance. The balance is {$260.00}. Once my deposit is applied the balance will only be {$65.00}. A couple weeks later I received a notice from a new collection agency. So, I went through all this again still not getting the information I requested and my deposit still has not been applied to the balance. Once again I now have a new collection agency holding this debt. I have disputed this on my credit report with all 3 agencies and I can not get any resolution. As soon as my deposit is applied I will pay it and that's that. I don't know what else to do to get them to apply the money I originally sent them in order to get the card. I don't know what else to do.
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MA)

On XX/XX/XXXX, I was contacted by XXXX XXXX an account manager at Midland Credit Management. According to XXXX XXXX, the Account XXXX at Midland Credit Management, this account was opened on XX/XX/XXXX. XXXX XXXX stated that {$920.00} was outstanding on this XXXX account. I spoke with XXXX 's Fraud Department and they have no record of this account or of selling this account to Midland Credit Management. XXXX XXXX XXXX an account manager at Midland Credit Management would not provide me with additional information on this account and informed me that I would need to file a police report in order to resolve this matter. I then went to my local police department and filed an identity theft report. I called Midland Credit on XX/XX/XXXX and spoke with XXXX XXXX again and he insisted that I owed {$920.00} to his company. I informed him that XXXX has no record of an account being set up in my name. I asked him who his company bought this debt from and he stated, " I can not provide you with that information. '' I asked him if his company was trying to defraud me and he said, " Would you ask a thief if he was trying to steal from you. '' XXXX XXXX then quickly hung up on me.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have spent long periods working overseas and my credit file is essentially empty. There is nothing negative in my credit file. Now that I have returned to the US I went to a bank to open an account, a credit card, and to inquire about a mortgage. When the bank accessed my TransUnion credit report, another person 's name and addresses came up. That person 's name is XXXX XXXX, of XXXX, Michigan. I have never used that name and have never been to XXXX Michigan. 

There is also credit information in the report that does not belong to me. I 'm assuming that just XXXX loan was mis-entered so that my ssn became associated with this other person 's name and address. So although the credit information is not negative, it has taken my identity and made it impossible to proceed in establishing and using credit. 

When I opened a retirement account through my new employer, security questions such as " With which of these addresses have you been associated '' were matched to addresses in towns where I have never lived. I moved on to other questions that actually pertained to me, but there were more questions that were relevant to this other individual than there were that were relevant to me. 

I reported this to TransUnion XXXX, once on the XXXX of XXXX, and once around the middle of the month. To my knowledge they have taken no steps to resolve this matter. My entire life is on hold until they resolve this matter. 

Given the enormous responsibility of credit reporting agencies, such as TransUnion, I expect communication and proactivity when they are presented with such a claim. If they can not quickly resolve mistakes of their making, they should not be allowed to play such an important role in the lives of consumers. Resolving this quickly is the most important item on my " master '' to-do list, and I ask for your help. Thank you, XXXX XXXX
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (NC)

I paid XXXX XXXX in full as they cancelled my account because we had a conversation and I found out someone fraudulent ly entered my account and tampered with my service. So the account was cancelled by them and I paid them only what I owed them {$21.00}. Professional Credit Service wanted another {$800.00} and I contacted them and disputed the entire account as I had paid XXXX XXXX in full. Then Professional Credit Service changed the amount to an additional {$80.00}. but I had already paid XXXX XXXX and the payment was accepted as the check was deposited. I disputed the collections on all XXXX credit bureau reports and they would not remove it. I do not owe them any monies!
Consumer complaint received 2015-09-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Siggi LLC (GA)

When I was in the military I took out a loan with omni Financial. I filled out all the paperwork and I also had XXXX insurance on the loan I payed the loan for years and refinanced several times and never been late. I got severely hurt in the military and became XXXX when I was XXXX I told omni they sent me a XXXX letter to fill out and send to the insurance company so they could dis charge my debt. When I called to get help with filling out the paperwork the representative told me I did not have insurance and she did not why the other rep gave me that info I explained to her that I get Inuance on all my debts because I 'm a XXXX and at any point any thing can happen to me. I was very upset because I paid all this mo ey every month and never late plus I p a I 'd extra for the insurance for them to tell me that I dI 'd not have it to make a long story short I pleaded with them I told them that I did not k ow when my va XXXX payments would kick in could they at least lower my payment of XXXX a month they told me no I paid as long as I could and then I had no more out of my savings to pay I am big on my credit and I always pay what I owe but the fact that I been payi g for XXXX insurance I feel that they did me an injustice I paid more than 150 percent Interest on a XXXX dollar loan they took my money and messed up my good name and credit I spent 14 years defending my country just to lose my ability to walk and my good credit history and good name I feel I been ripped off and robbed.
Consumer complaint received 2016-03-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (DC)

I signed up for the Barclay XXXX Card because it was advertised to me as having " no foreign transaction fees '' for purchases made abroad. This was represented to me in writing multiple times. However, I recently discovered that the card applies a " foreign currency fee '' for all transactions abroad, although this fee is hidden and is simply incorporated into the amount shown on my bill without any separate line item. I have documentation that I have been charged these fees by Barclay 's customer service and their absurd distinction between a " foreign transaction fee '' and " foreign currency fee ''. The whole reason I got this card was so I could use it abroad and now they 're charging me a fee for using it abroad despite multiple written assurances that XXXX of the benefits of this card was no foreign transaction fees. I have used this card for multiple years, on mutilple trips abroad, all the while paying these fees without knowing. Cumulatively, this 1 % fee has cost me over {$100.00}.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC. (CA)

I had an XXXX collection from XX/XX/XXXX for {$820.00}. I refused to pay the original amount to XXXX XXXX XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX NCO financial systems for the amount of {$820.00} and i was offered a XXXX discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from XXXX XXXX XXXX asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

I notified TD Bank in writing that I filed a Chapter XXXX Bankruptcy Petition in the XXXX XXXX Bankruptcy Court on XXXX XXXX, 2016 in case no XXXX and that they needed to stop plundering my bank accounts in overdraft charges, finance fees, and other plunders because my XXXX checking accounts ( ending in XXXX and XXXX ) were both in the negative and they needed to cease and desist. However, in direct violation of the federal automatic bankruptcy stay, these criminal bankers continued to plunder my bank accounts anyway, with {$35.00} here, and {$75.00} there, and {$100.00} there etc, over and over again, to the tune of almost {$1000.00} in fraudulent bank charges which have driven me even further into debt, thus not even allowing me to pay my child support, food bills, and other important things. Even though I called them repeatedly and spoke to someone named XXXX in the XXXX branch who said she was a supervisor on or about XXXX XXXX, 2016, she cruelly and meanly told me she did not care about my bankruptcy and that she would not be returning any of these ill-gotten plundered bank fees and charges to me, and that they would stay as the property of TD Bank. Because of this behavior, and if I do not get a response soon, I will be filing a contempt of court motion against TD Bank for criminal and civil sanctions.
Consumer complaint received 2016-02-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (AZ)

Allied Interstate ( a debt collector ) is calling 10-15 times per day to collect on a debt I owe for XXXX XXXX. I admit I owe the debt and have offered to pay $ XXXX/mo which they refused. They are calling my cell phone, my husbands cell phone, my work phone, and my home phone. I have asked them to stop calling and sent a cease and desist letter, but the calls continue. The rare times I answer, I get no response. These calls are 7 days/week and non-stop. I can not receive these types of calls especially at work and they are putting my job in jeopardy In the last four days I have received 48 phone calls. Again offered to make the $ XXXX/mo payments and they refused stating that was n't good enough. Please make them stop calling
Consumer complaint received 2015-07-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (IL)

The company XXXX XXXX XXXX which is a subsidiary of XXXX XXXX XXXX filed a default judgment against me for credit card debt accrued by defunct company XXXX XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with XXXX on XX/XX/XXXX before the company went out of business. The debt was accrued XX/XX/XXXX. XXXX XXXX XXXX acquired XXXX in XX/XX/XXXX and this arm became XXXX XXXX XXXX that same year. Since my debt was initiated and established during the existence of XXXX and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as XXXX is attempting to collect a debt of the defunct company XXXX XXXX.
Consumer complaint received 2016-02-19
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

XXXX is flagrantly violating federal and state consumer protection laws. I have been paying {$250.00} per month for more than a year to XXXX through their abusive debt collector that they hired to collect on their debt Financial Asset Management Systems. XXXX has illegally manipulated their reporting of the debt to XXXX by not identifying the repayment plan that I have participated in for the past year at {$250.00} per month, and a 0.01 % interest. XXXX has modified their reporting to XXXX for my account t to make it appear like I have n't been paying for the past year as they had stated in writing they would. In addition, XXXX is now reporting the accounts as in collections on my credit report which they had n't done before and was in retaliation to the complaints I have filed against them and their debt collector Financial Asset Management Systems. The only reason to report the accounts in collections now was to try to hurt my credit report even further. Even though I have been paying for over a year and even though they have broken federal and state consumer protection laws many times. In addition, they have added unconscionable fees and interest to my accounts to which they have never fully accounted for. XXXX is engaging in violations of state and federal consumer protection laws.
Consumer complaint received 2015-09-22
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (WI)

Quicken Loan placed a lien on a lot personally owed in full by us. We had applied and were approved for a VA refinance loan in 2012. prior to that in XXXX 2012, we had changed our property lines and that was approved by the XXXX XXXX county board and filed. When Quicken was working on the loan they received the new approved survey and the new Parcel numbers for each lot, they XXXX attached to the home address and the one owned by us. They chose to place a lien against both my lot and the one that was the home lot. I did not find out about this until they paid my taxes on the lot that was mine. They now state that thier Title search company ( owned by Quicken ) did everything correctly. However, the XXXX XXXX title people state that is not true. I have all info in a form that I can send, this has been reviewed by the WI state banking examiner who are not able to resolve this due to a lack of legal personal. The bottom line here is I was forced to take a second remortgage in order to gain my own property back from Quicken. While Quicken covered most of their cost, they refuse to repay me for the cost of the VA funding fees. We could use some help with this. 
thank you XXXX XXXX
Consumer complaint received 2015-07-23
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (MI)

I was in debt trouble at the beginning of 2014. I contacted XXXX XXXX XXXX for help. They sounded very promising. They had me stop paying the bills and let them go to collection. While doing this they had me paying Global Client Solutions XXXX to store the money which they would use to negotiate down the road once a certain amount of money was built up. During this whole time you were able to cancel at no time and get all your money back except for the opening account charge.On XXXX/XXXX/14 I decided to cancel as I had money to start paying and get back on track. When doing so this Global Client Solutions XXXX was to refund XXXX to me. They claimed to send the check and even sent a picture of a check they claimed to have sent, but never came. Once I tried investigating what to do or get the check re sent they would hang up on me every time I called after giving the account number. I just do n't know what to do.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (RI)

I received a letter from Commonwealth Financial Systems stating that I owed money to : XXXX XXXX XXXX Services in the amount of XXXX. The letter stated that they had purchased the account and if I considered the debt valid they requested payment. They further stated that if I failed to let them know in 30 days that I disputed the validity of the debt they would consider the debt valid. They also called to request payment and asked for last XXXX digits of my SSN. I told them I do not give out information on the phone. They have a spot on the letter for you to fill out your credit card information and offer XXXX automated payment. They push hard for payment and are hoping you just pay it right away without taking the time to research it. Obviously, XXXX XXXX XXXX is not a real company and the debt was not owed but they sure make you feel like it is.
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX, 2015 I received my monthly credit card statement for my Visa card issued from Capital One and found XXXX transactions that occurred in XXXX different states from XXXX XXXX, 2015 to XXXX XXXX, 2015 when I had charged my credit card within XXXX County, VA ( XXXX, VA ; XXXX, VA ; XXXX, VA ) where I live and was in school these dates. 

I reported the following charges as fraudulent to Capital One under my Visa card ending in XXXX today to start an investigation in the following transactions:XX/XX/XXXX XXXX XXXX # XXXX = {$180.00} XX/XX/XXXX XXXX = {$160.00}! XXXX XXXX XXXX # XXXX XXXX = $ XXXX have never been to any of these areas and have no idea where they are. I have contacted the Capital One Fraud and Legal departments to start the investigation of these XXXX transactions as of XXXX XXXX XXXX XXXX XXXX, 2015. I stated to Capital One that I want to press criminal charges against anyone involved in charging these fraudulent transactions. 

I have not paid the total charge of {$540.00} as of today on these fraudulent transactions and have been informed by Capital One that these transactions mentioned above will be refunded on my credit card statement.
Consumer complaint received 2016-02-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC (AL)

I began using a debt consolidator who I gave my limited power of attorney. The company also sent a cease and desist order for these lenders to speak directly to them to negotiate my settlements and prevent them from calling my place of employment. The calls to my job and references have not stopped. My debt consolidator company advised me to reach out to you as well.
Consumer complaint received 2015-04-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Using the Bank of America online banking system, I transfered money to my daughter into her Bank of America account for use the following morning. She confirmed the money was added into her account and I noted it had been subtracted from my account. The following morning, the funds are gone from her account and are found back in my account. She calls me to help and I transfer the funds again because they were show in my account. My daughter receives the funds and uses them. One day later, another transfer appears in her account for the same amount, but posted for the day prior ( although the money was not there the day prior ). My account is overdrawn with {$70.00}. Worth of overdraft fees. I spend XXXX hours contacting Bank of America explaining that the funds were n't actually in my daughters account and it seems odd that they show up a day later and are posted for the day prior. XXXX employees of Bank of America are unable to explain this to me and tell me it 's my mistake and they will not give me any relief on the overdraft fees.