davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southern Management Systems Inc. (NY)

According to the management office of an apartment complex in XXXX, XXXX. Someone using my name ( and a false spouse ) rented an apartment sometime during the years of XXXX to XXXX. 

However, I 've been living in XXXX, XXXX since XXXX XXXX. I have not lived in XXXX, XXXX since XXXX XXXX. And I 'm not married either. 

They 're using XXXX separate debt collection agencies to contact me, and have been placing negative marks on my credit report.
Consumer complaint received 2017-02-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (NC)

I applied for a installment loan with BigPitcure loans. I qualified for {$800.00}. When agreeing to such a loan over the phone no mention of the interest rate. The only thing that was mentioned was the due date of XX/XX/XXXX in the amount of {$280.00}. Then nothing was mentioned that this was a biweekly loan. I get paid twice a month. I have logged in to see why this was and guess what my interest rate is XXXX % I will be paying {$280.00} biweekly until XX/XX/XXXX ( yes XX/XX/XXXX ) this is {$6800.00} once I have paid back. They had played me and I was not informed this was such a high interest rate as well as this was a biweekly loan. I borrowed {$800.00} and will eventually pay back {$6800.00} that is illegal it is a scam/shark loan. {$6000.00} in finance/interest no way. Payday loans are illegal in XXXX ( which is the state I live in ) this is a payday loan if they are asking when I get paid and taking out {$280.00} every time I am paid. I again was not told what the interest rate is only that the amount approved was {$800.00} and my first payment is {$280.00}.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've informed Transunion, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse this matter
Consumer complaint received 2016-11-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Capital Management Services, LP (NY)

Starting in XXXX 2016 my husband and I have been receiving phone calls from XXXX, Capital Management Services wanting our social security numbers and birth dates. I asked them what this for, they said unpaid debt, and I told them my husband had a XXXX XXXX and has XXXX and to explain to me. I would not give them a ss number but did give a birthdate which was not his and told them to cease and desist. A supervisor told me they had the wrong party and they would comply. Now we are both getting these unrelenting calls again, days, nights, weekends several times a day. Now they say unless I give them ss numbers they will not stop. I said you have our address and to put this in writing. I ask where they are located to send a cease and desist and they will not give it to me. I am not releasing any personal information over the phone to Capital Management Services. I am assuming this is a college loan but I am really not sure what type of loan it is because they will not divulge any information to me regarding this collection. I ca n't describe my issue because I do n't really know what it is. Also, they do not have permission or authorization to use our cell phones. This is not our debt! They have the wrong people.
Consumer complaint received 2016-12-30
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings (OH)

AD XXXX is a collection agency for a payday loan company known as Speedy Cash. A loan was taken out through Speedy Cash back in 2008. They attempted to collect on my then bank account and funds were not available. The loan went as unpaid for years. Now, after XXXX years later, I attempted an online application with this same payday company. they had me contact AD XXXX, whom are still trying to collect on this debt. I never received collection letters nor is this debt listed on any of my credit reports. They refuse to drop the debt from their records and insist on keeping the debt open until I pay. Legally, all unpaid debts are to be dropped after they are XXXX XXXX XXXX or older. The rep on the phone was very rude and insistent that I pay.
Consumer complaint received 2016-10-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

Have two issues with my wellsfargo accounts : 1 ). the bank continue to charge me overdraft fees on online transfers and when the balance is just under XXXX they have charged me over XXXX dollars in fees in the last 4 weeks. 
2 ). the bank in XXXX double paid my employees payroll after they did n't process the direct deposits and we than voided that payroll. Because they could not retrieve the funds back from some of the employees that they double paid inert, they debited my business account and over drew my account by over XXXX they have records of where I called and they directed me that I had to pay my employees manually and we therefore voided the payroll. The bank refuses to take accountability. 

3 ). because of the payroll issue the bank started taking the money from my rent account to cover the payroll overdraft that they created. They than removed money from my rent account, bounced my rent checks for my business than cause my rent account to be overdrawn by over XXXX. Again, the bank is not taking any accountability and feels like they can do whatever they want to me and my business accounts. The bank has put my business in financial jeopardy. They have charged my in all my business accounts close to XXXX in incorrect overdraft fees in just the last 8 weeks alone.
Consumer complaint received 2017-01-03
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

They keep calling me at work even though they have been told multiple times not to. They should know because of the type of business I ca n't receive calls. I also have no debts they could be collecting on. I 'm not going to verify my social security number or birthdate with some random person who calls me. 

First call : XX/XX/2016 XXXX Expressed my displeasure in them calling me at work. They asked me to confirm last 4 of SSN. I refused. They told me I could give them birthdate instead. I said no, I do n't know who you are. I 've never heard from your company. They would n't tell me anything about what they were collecting until I confirmed info. XXXX XXXX Unknown date. XX/XX/2016. " XXXX '' left VM on office phone. XXXX ( my boss ) called back and said " I do n't want my voice recorded. Do n't call here again. '' XX/XX/2016 XXXX Called about " personal business matter ''. Spoke to XXXX. He told them I am not allowed personal calls at work. 

XX/XX/2016 XXXX Called again. XXXX told them not to call here.
Consumer complaint received 2016-07-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MAS FINANCIAL SERVICES, INC. (CA)

Common issue with all auto loans, I was late on my payment, and I 'm always on time with making payments with auto loan companies. This auto finance company has been harassing me every single day! They 're constantly bugging for a payment. This is my ONLY late payment with this company. I recieved a call the 1st day of bill, and immediately the manager was really, extremely rude, and being very hostile! I 've hit a rough spot this month because my wife was on maternity leave. We do n't need this type of hostility from this company. I am very upset that they go out of their way to call 5 references over 1 late payment. I already notified them prior that I will be late this month, but will definitely make the payment. This company has had a lot of issues, rudeness, and hostility towards customers. XXXX and XXXX has them only 1 start on the website reviews. So, I 'd like to have them stop harassing me and stop this XXXX they 've been giving me and my family. I 'm not a happy customer with them at all! They 're supposed to treat their customers fairly and nicely if you 're doing business with them. I hope something can be done to put a stop to this.
Consumer complaint received 2017-01-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I entered a mortgage loan agreement with Roundpoint Mortgage for a short-term loan on an investment property located @ XXXX XXXX XXXX in XXXX, Ga. When the loan became due, the market did not support selling the property, so i sought a loan modification. Surprisingly, this process took well over eighteen ( 18 ) months, with the lender CONSTANTLY requesting updates on paperwork, e.g. my income, account balances, etc. When the modification was finally offered, it was not based on the amount i had owed at the time the loan expired, but included the months of payments during which the loan had been in abeyance. [ Please note that i had continued for the first 6 or 7 months of the process to send my former monthly payment amount ( in excess of {$1200.00} ), but Roundpoint always sent back my payments, saying they would only accept the full loan balance. The result was that at the time of the Modification Offer, a huge amount had been added to the principal, making my monthly payments HIGHER THAN THEY HAD BEEN BEFORE (! ), and i clearly was not able to make these payments. 
At this point i offered to sign the deed to the property to Roundpoint, but they refused. They said I had to try to short sell the property. Meanwhile, they started FORECLOSURE proceedings. I retained a realtor, and got an offer for the property, but Roundpoint turned in down, stating that the offer must be for {$170000.00} or more. I put the property back on the market, and my realtor obtained a signed contract for the requested amount. Meanwhile, the Buyer relocated to the area of the home, pending CLOSING. [ Please note that foreclosure proceedings ( i believe not in good faith ) had been re-instated ]. THREE DAYS before the scheduled closing WITH THE OFFERED AMOUNT THAT ROUNDPOINT HAD REQUESTED, Roundpoint proceeded with foreclosure!!! This is despite the fact that all along i had agreed to sign the deed to the property over to Roundpoint, & only went through the Short Sale at their request. 
Their foreclosure disrupted the Buyer, cost my Realtor her anticipated commission, and left me with a credit report reflecting a foreclosure which has worked to my severe detriment since the time the foreclosure was entered XX/XX/2016. 
I would like Roundpoint to be compelled to delete the foreclosure. I would like my credit report to show a " Deed-in-lieu '' or some other disposition of this transaction that does not have the significant & severe impact on my credit report & my credit score, I will greatly appreciate any help you can give.
Consumer complaint received 2017-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc. (FL)

I was a XXXX at XXXX, I signed up for a class, then dropped the class in favor of taking it at XXXX. They never processed my drop, it said drop pending ( hold ). It apparently would n't let the professor kick me out either. I never attended the class. A year later i get a bill from XXXX. I turned in forms at XXXX showing the fact it said drop pending and that i took thaf class that semester at XXXX college. They told me the situation would be handled, closes my account and wrote it off. 3 years later I find a collection on my credit report. Even though this was supposed to be settled I paid the XXXX. Then after I pay it they tack on XXXX in fees. This should of never been billed to me and should not be on my credit report.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Charles Schwab Bank unilaterally determined to close my account. When it did so, it also removed my ability to access my account and account statements through its website. I recently received a check from Schwab for an amount it represents constitutes the balance in my closed account. It misrepresented in the letter that accompanied the check that I asked it to close my account ( it made the determination unilaterally and contrary to my desire ). It provided to me no statement or accounting of the closed account or any other explanation of how it arrived at the amount of the enclosed check. When I called to complain that I have no means of verifying the amount of the check was the actual amount remaining in my closed account, it still refused to provide me with any online access to my account records or statements and has not given me anything as a means of accounting for the amount it sent to me. It just expects me to take its word for the amount.
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

So for several months I 've been disputing the inaccuracy within my credit report with Experian. XXXX being a bankruptcy that 's not mine, XXXX being an account that 's not mine, and XXXX. being addresses that do n't belong to me. I 've been staying in the same place since I was XXXX years old so since XX/XX/XXXX. The address that 's appearing on my credit report belongs to a family remember with a similar name as me. Her name is XXXX XXXX and her birthday is I believe XX/XX/XXXX. XXXX is my cousin who moved here from Iowa. After XXXX did their investigation they mentioned that I had a mixed file, however Experian is stating that they wo n't reinvestigate these items unless I provide them with supporting documents, in which I have. Hopefully you guys can take a look at the information on the report and determine that Experian is a horrible company that breaks the FCRA and they should be held accountable. XXXX from the CFPB gave the legal aid number to potentially start litigation against this bureau. I 've included all information that 's wrong. 
1. XXXX XXXX XXXX XXXX, IL XXXX ( Not Mine ) 2.XXXX XXXX XXXX XXXX, IL XXXX ( Cousin 's Address ) 3. Bankruptcy Chapter XXXX -XX/XX/XXXX Filed and XXXX XXXX/XXXX/XXXX ( Not Mine ) 4. XXXX XXXX XXXX XX/XX/XXXX ( Not Mine and should n't be included in the bankruptcy ) There 's no way that the loan could be included in that bankruptcy since it 's alledging acquired after the bankruptcy was discharged. 

Please find I 've included all necessary documents to state my claim. Also I 'm a victim of identity theft as well.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

This agency has numerous errors on my report. Names, addresses and personal information incorrect. I have contacted them and they can not correct via on line or email. A phone call to them gave no results. I waited 20 minutes on the phone and finally hung up. They sent a updated report and refused to take off the incorrect info on Social Security. They are saying the address I live at is a business address, this in not true. They are reporting my name incorrectly. And I can not seem to upload anything to the site, nor will then send me a hard copy of the free report. There are several requests from companies I have no idea who they are. And I see some companies contact them all the time for updates on my credit. I take offense to all this. I do n't believe that companies should have so much access to my or any ones personal information, this way. This allows all kinds of people to access personal information and use it any way they want.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IN)

On XXXX/XXXX/16 I arranged for a payment to be withdrawn from my bank account to Chase for the amount of {$100.00} to be posted on XXXX/XXXX/16. I was unable to get the money in my bank account so I cancelled payment online on XXXX/XXXX/16. I received email confirmation of the cancellation. However, on XXXX/XXXX/16, my bank showed NSF fee for {$28.00} due to Chase crediting my bank account {$100.00}. I contacted Chase and they said they had no record of my cancellation. After many " secure messages '', a few phone calls, and having screenshots of my bank statement, cancellation page from Chase.com, and the cancellation confirmation email, they were persuaded I had indeed cancelled that payment of {$100.00} ( which I made two days later ) and that I was due {$28.00} for the NSF fee. COMPLAINT # 1 : When speaking to Chase, they refused to send the {$28.00} back to my bank which I had to pay. Instead they insisted it had to be put on my CC balance. The lady stated " it still goes back to you ''. On the contrary, they closed my CC and I do not have access to it. They put it on my CC balance, but it did not go toward my next balance due date either. I WANT MY MONEY BACK IN MY POCKET OR BANK ACCOUNT! COMPLAINT # 2 : After looking through my bank records and seeing payments to Chase, my credit report, and the fact I had to prove I canceled a payment, I would like to call into question the security of Chase 's website : electronic payments, personal info., credit reporting, etc. I dispute ALL information Chase has reported to all XXXX credit bureaus and would like CFPB support. If Chase can lose one cancelled payment and claim it has NO RECORD AT ALL, it is reasonable to say that other information could be missing and/or could have been mishandled that is negatively effecting my credit report at this time. In addition, I am questioning my balance due and other charges that have been placed on my CC. Since Chase has closed my account, I would like CFPB support to clear my credit report of any record with Chase and push for a balance due of {$0.00}. My records indicate that the balance is not even half of what Chase states it is now. In conclusion, my complaints are directly from Chase 's incompetency in quality assurance, customer support, and customer/website security. I would appreciate your help in this matter, thank you.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

XXXX ran a hard inquiry on our Experian Credit Account without our authorization. We never heard of this company before. We called XXXX XXXX as recommended by Experian but they do no want to assist in getting this unauthorized Hard inquiry removed from our credit report. This is FRAUD.
Consumer complaint received 2016-11-29
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous Estate administrator to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate Administrator for my sister who passed away XX/XX/XXXX. Upon my sisters death the Vermont probate court appointed my Mother as the administrator of my sisters Estate and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the Estate administrator. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as administrator on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed administrator and XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets. 

Estate of XXXX XXXX XXXX
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Halsted Financial Services, LLC. (IN)

They call me multiple times per day and when I answer most times there is no one on the line to take talk to. After receiving five call in one day with in a few hours of each other, I answered and someone was there to speak to. I told him to put me on do not call, I would call them when I had the money to pay my debt. He told me " I will not take you off the call list and you will continue to get calls '' he then hung up on me. Since this phone conversation the collection company continues to auto dial me several times per day.