davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

On XX/XX/XXXX I received a summons to appear in court regarding a civil lawsuit that Midland Credit filed against me. I was given 30 days to produce supporting documentation to states reasons why I did not owe the alleged debt. I submitted the documentation to Magistrate within the 30 days. On the day of the trial, I showed up to sign into court and was told that the case had been dropped. I asked why and by whom, and was told that the case was no longer on their records and that Midland did not want to continue and dropped the suit. The Original amount of the alleged debt was {$1200.00}. The court cost of Midland filing the suit was XXXX. Not only have the continued to keep a debt that I do not owe on my credit profile, they have also added the court cost of the suit that they filed and dropped as well. This debt is showing as open and past due as of XXXX XXXX  XXXX account in the amount of {$1300.00}. In the documentation I submitted in XXXX of XXXX, It also stated the alleged debt from my credit reports if the debt was not mine. I have also attached the documentation from the suit as well as the most recent credit report from XXXX.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any othe
r adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TX)

When I started with Santander everything seemed fine until they started sending payments being sent back for random reasons. They would then wait to give me a courtesy call then charge me more for " interest ' and " late payment '' reasons. I then proceeded to let my parents know and we made the last payment with a different card and Santander tried it with them too. we have bank statements and receipts that show the payment was made but they continue with this. I called and warned them about it once before and they quickly dropped the price but have started their antics once again.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (TN)

I have a debt from 2008. Asset acceptance LLC bought it and I never knew this. I received a wage garnishment from my employer in the mail. I have never received anything, no phone call, no letter, nothing from them about this debt. I think I should have received something from them before I was hit with the wage garnishment.
Consumer complaint received 2017-04-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

I had a collection with ad astra which I paid in full, with them I asked if I pay in full will you remove the debt from all XXXX credit reports, the representative said she has approval from her supervisor to do so. One month later the collection is still showing on my credit report, so I called back and asked again to have the collection removed since I had been promised they will. The young lady on the phone they and give it thirty days. That last call was three months ago and the collection is still reporting on all XXXX of my credit reports.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I received a letter from Resurgent Capital Services on XX/XX/XXXX about a debt on a XXXX XXXX XXXX  issued by XXXX XXXX XXXX XXXX  stating that I owe a balance of {$2900.00}. The current owner of this debt is LVNV Funding LLC.and was placed in Resurgent company for collections. This card was supposedly issued in XXXX. I have never had a credit card from this so-called bank and company and have never been contacted by mail, email, or phone about this issue to dispute it till now. I called, upon receipt of this letter, the Resurgent company and they wanted a plethora of personal information which I refused to submit to. This is a definite fraud situation and I am requesting an inquiry into this matter so it doesn't happen to other unsuspecting people.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (FL)

XX/XX/XXXX I canceled my XXXX Account and First Digital Credit Card Account - XX/XX/XXXX First Digital card paid XXXX {$24.00} and send me a bill for the {$24.00} plus {$8.00}. XX/XX/XXXX Called XXXX and they stated my balance was paid in full back in XXXX XXXX. Recontact First Digital card and they promised to fix the error. I can canceled my card with First Digital in XX/XX/XXXX. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- First Digital paid XXXX {$24.00} and send me a bill for the {$24.00} plus {$8.00}. each month. I called First Digital each month and they promised to rectify but never did. I paid first digital each month so my credit would not tank. XX/XX/XXXX I finally spoke with a manager who fixed the issues but still doesn't know where the money to XXXX went as XXXX never requested funds. XX/XX/XXXX I got yet another bill as attached. Spoke to customer service and fraud. First Digital will not allow me to speak with a manager nor have they keep complete records. How is First digital paying on a account that has been closed since XX/XX/XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2016-06-03
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

I know I owe a debt but one company calls me 20 times in a day I have put a call blocker on my phone but they call from different numbers. I counted they called me 19 times yesterday XXXX/XXXX/16 from XXXX to XXXX. I do n't sleep well and it always vibrates once and wakes me up.
Consumer complaint received 2023-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

In XXXX XXXX I visited my local tax office to submit a request to have my primary residential tax rate reduced from 6 % to 4 %. My request was approved and I was told that a refund check would be issued. 

In XX/XX/2023, my mortgage company notified me that there was/is a shortage in my escrow account and that my new monthly mortgage payment would be increasing by roughly $ XXXX. That immediately caught my attention. 

I contacted the local tax office to confirm the approval of my property assessment request and asked for a copy of approval that I could share with my mortgage company. The tax office confirmed that a refund check had been sent to my mortgage company in XX/XX/2023. My mortgage company is claiming that they never received the refund check but opened a case to look into my account. Before the end of the " grace period '' for my payment, I sent them a message asking for help as I did not want to pay the incorrect amount or be hit with a late penalty fee while they were reviewing my account. 

I just received a message this morning stating that I still have to pay the incorrect amount, would have to pay the late fee and if my payment was not received, my account would be reported to a credit bureau and reflect negatively on my report.
Consumer complaint received 2016-06-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (SD)

I refinanced my home in XXXX 2016 with XXXX XXXX which paid off the old mtg. co. Round Point Servicing for XXXX XXXX XXXX. The old company in turn after closing has decided to continue paying random things and charging me, example homeowners ins and mtg ins, late fees and interest. When in fact they owe me as near as I can calculate {$890.00} escrow. They should not and are not authorized to do any of such as when they received the pay off all transactions on my behalf should have ceased. After 2 months of no answers & even hung up on me today. The mtg co is not returning my calls and the servicing corp hanging up. This is clearly going nowhere fast. I did receive an ins refund check & offered to pay premiums minus the escrow leaving me owing around XXXX not XXXX. They fail to provide proof of what is exactly happening and do n't seem to understand the severity of their wrongful actions. My understanding is that it is there problem to get a refund from the homeowners insurance as they never should have paid.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I operate several XXXX in Florida and obtained XXXX building mortgages through Bank of America. My issue is that XXXX of the XXXX loans were paid off after about 5 years into the loan. I recently tried to pay off the third mortgage that I had approximately 9 years, but was told that if I paid it off I would be subject to a prepayment fee of almost XXXX! I am shocked and stunned that after 9 years i would be subjected to a prepayment fee. When i spoke to my premier banking advisor he said he was as well surprised but could not help me because it would interfere with his cost benefits. He referenced my loan as a " mako '' loan and has a life prepayment provision. I have been banking with BOA for over 20 years and he said that my prior advisor with BOA mislead me. I am asking for resolution as a loyal BOA client but have no recourse. I feel mislead and deceived by BOA and wish to have your intervention to assist in a favorable resolution.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Please Im trying to dispute this because Ive already contacted the collection agency on XX/XX/2023 at XXXX and I called them again on XX/XX/2023 at XXXX and they told me theyre still working on it, so I called again on XX/XX/2023 so they put me on hold for two hours and what they told me was they telling me they cant do it because it being verify.
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (GA)

Hello. Please refer to previously submitted complaint ID XXXX. Affirm responded with the following : If you are in need of a modification in the future, you may follow this link and apply to see what options are available to you : XXXX XXXX XXXX However, this website does not work and has not worked when I came across it months ago and reattempted just moments ago ( please see attachment ). Their response is misleading as a veiled approach as if they have a financial hardship policy for their consumers.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (MD)

I have initiated a transaction in the XXXX XXXX money transfer service to transfer money from my bank account at Bank XXXX XXXX to my XXXX XXXX Bank account. I made an entry by mistake on the amount ; instead of XXXX, I typed XXXX, which is way above the daily limit in XXXX. The app did not warn me about sending above the daily limit ; rather, they said they needed additional documents to confirm the address. I uploaded the needed document. I thought XXXX might have some additional document requests because my address had changed. Anyway, XXXX processed the transaction after uploading the document. and they have completed the transaction immediately and sent the money to my XXXX account. 
I realized that I had entered the wrong date when I saw my Bank XXXX XXXX checking account go overdrawn. Now my XXXX account is negative. and I contacted XXXX to stop the transaction, but they said they couldn't. and I talked to XXXX to pull back the money they couldn't. 
Now I am in a position to come up with XXXX K out of thin air. I don't understand why there's no protection mechanism. 

1 ) XXXX did not warn me properly that I was sending a lot more than the usual daily limit. 
2 ) They didn't give any warning, even though they saw a very high amount compared to my previous treatment. 
3 ) Bank XXXX XXXX approved the transfer even though they knew it was way above my balance. 
4 ), and no company has a way to reverse these actions, putting the customer in deep trouble. 
5 ) If this was a fraud transaction, the customer would still have lost the money.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023, I deposited a check from my homeowner 's insurance company into my Truist checking account. The check was deposited via the Truist app and was from XXXX XXXX Bank. On XX/XX/XXXX I received a message from Truist stating that a " hold '' had been placed on the check until XX/XX/XXXX. The only explanation I was given was " questionable collectability. For nearly three weeks, I have been trying to obtain a reasonable explanation for what was " questionable. '' I have spoken with XXXX call center employees and supervisors, my local branch manager, area manager, and have now escalated the issue further. To date, Truist has offered only excuses, corporate rhetoric, stonewalling, and lies. The most recent example of the bank 's refusal to answer a simple question was a response allegedly from their fraud department stating, " It's confidential. '' That's just 'bank speak ' for we're not going to tell you because we have something to hide. Truist 's antics have cost me a considerable amount of time, delayed important work on my house, and been a true exercise in frustration. It's a simple question : What was wrong with the check, and why in XXXX  with all of the banking technology available did it take TEN DAYS to figure it out? And why is the best answer Truist can provide " it's confidential? ''
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

I noticed that I wasnt able to get into my mobile app of my bank Citi Bank, around the last week of XXXX, estimated around the XXXX of XX/XX/2023. I called and a representative informed me that the dispute team department for some reason blocked my account but it doesnt say why. The representative had me on hold for almost an hour and he would check on me to keep me informed whats going on. 

The representative informed me that someone from the fraud team will give me a call in a couple of days. I didnt noticed a call on my end for a couple of days so I called and was told that my account will be closed. I asked why was my account closing and was inform by a different representative that he couldnt give me the information. I request to speak to a supervisor and the supervisor told me the same thing and mentioned about receiving a letter explaining why and hung up on me while in the middle of conversation. 

I received the letter in XX/XX/2023 but it didnt explain to me why my account was closing. I called on XX/XX/2023 and was informed by a different representative that I will be receiving another letter why my account was closing and the funds that was in my account will be be in a form of a check, which didnt make sense to me. 

Since the closing my account I have been struggling financially with paying my bills and this situation has caused me to be in a financial crisis.
Consumer complaint received 2016-05-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (GA)

I never had an account with General Motors. I sent a direct dispute asking them to provide me with documentation that I had an account with them, but they failed to provide me with any paperwork. They just sent a one-page letter stating that my account is reporting correctly to the XXXX, XXXX, XXXX agencies. I know it 's not reporting correctly because I never had an account with them.
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

On XX/XX/2022 I signed a fraudulent contract with XXXX XXXX account number # XXXX at the amount financed of XXXX at 29.97 % with a finance charge of {$1900.00} which equals a sum of {$4900.00} according to exhibit A and payments where set at XXXX per monthly occurrence of 42 months according to this contract. I have found mistakes within the contract which has some consistency of some type of fraudulent acts and contrary to this XXXX XXXX is reporting negative remarks on my consumer report see exhibit B which dates on payments are inaccurate see exhibit C this is another mistake. XXXX XXXX is abusing interest rates deliberately on loan agreement just to have the consumer over pay which is fraud see this example of A true finance schedule see exhibit
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I deposited my refund check from the XXXX company. I had paid to transport XXXX vehicles to XXXX York XXXX york. About 30 minutes after depositing the check my account was restricted. 
I called the bank to Inquire why my account restricted. They told me it was because I had never deposited a check for XXXX well. The makes sense because I have barely opened the account less than a month ago. 
I told lady that I had the number for the transportation company she decided to go and look online for the number to which she found nothing I offered to give. It a number. 
She wanted nothing To Do with it. My check was put on hold for 6 days and it's now the 6 day and my money 's there in my account and still no access to it. I have lot of wealthy person I am able To make it because I'm XXXX And XXXX. My not being able to access my money is really putting a strain on me. 
I would just like to receive my money in a check or be able to transfer it out to another Account of mine and then close account. 
I want nothing To Do Capital One and the shady business Practices that they implement an impose on their customers.