davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received an email on XXXX/XXXX/16 that my Kohls credit card was past due. I thought I had scheduled a payment. I accessed their website on that day, the website did n't show a payment or a pending payment so I scheduled a payment as I must have forgot to schedule a payment for my XXXX bill. Now I have a payment out of my checking account on XXXX for approx. {$400.00} and a XXXX payment on XXXX for the same amount. So the second payment overdrew my checking account and kohls has a XXXX payment showing on their system which has n't been deducted from my checking account. They ca n't explain the XXXX payment. They think it wo n't go through but ca n't guarantee it. I asked for the refund of the XXXX payment and they indicated that it would take weeks for me receive by check. They indicated that had I done it through a representative that they could have electronically refunded me the money. I think holding on to my money for weeks is wrong since I have now incurred fees on my checking account.
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (VT)

I returned the XXXX and everything was in working condition. I starting getting letters in the mail that I owed money for the XXXX. They did n't give a receipt so I had no proof of returning. I had heard from other customers that they were doing the same to them. I think personnel were stealing equipment and the company is unaware and is going after the customer. I refused to pay the amount because I returned the equipment and whatever happened to it after I left is not my responsibilty. I would like this removed from my credit report.
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwest Recovery Systems (CA)

The collection agency added to collections to my credit report on XX/XX/XXXX. I file bankruptcy XX/XX/XXXX and everything was cleared. All items were removed from my credit reports and I have been one monitoring them and this company has never appeared and is now adding as new items
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

Per case # XXXX, Ocwen sent old false paper work to justify their reason for raising the final pay-out of my loan after they were contacted by XXXX XXXX XXXX. Payment went from XXXX to XXXX. Ocwen was the 2nd Mortg. but they wanted the Insurance to be in their name. each year Ocwen would charge a higher insurance rate in-order to increase the penalty to my account, # XXXX
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NM)

A tax lien was placed on my credit reports, but has since been paid in full and released over a year ago. It has been removed from my report by XXXX, but XXXX and Equifax wo n't remove it and tell me to contact the County Clerk. I did and they said it 's the credit bureaus that are keeping it on there, not them and if it were up to them, they 'd remove it because it was paid in full. I contacted the credit bureaus multiple times and they keep saying I need to contact the county clerk. It 's a big run around and I 'm sure they hope I 'll just give up. I wo n't. I want them removed from my report. I paid it off in full and it should be gone. I will take them to court for false reporting if it does n't happen. I 'm giving them a chance to fix it by filing this complaint first.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-11-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

An unauthorized line of credit was opened up without my consent. Someone has been using the line of credit, and also set up a monthly automatic payment from my Wells Fargo Checking account into the Wells Fargo line of credit. I have filed a fraud claim with Wells Fargo, but they have denied my claim. There were XXXX large deposits made into my checking account, and then transferred to the line of credit. The deposit slip was signed, but it is not my signature. Wells Fargo has copies of my signature, which doe snot match the XXXX signatures on the deposit slip. Wells Fargo insists that I made these XXXX deposits and are using this as a reason to deny my claim. I have asked for the Wells Fargo to review video tapes since they claim the deposits where made in a branch, and they have refused.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

I was charged with fradulent charges by a company that has a history of fraudulent charges, known as XXXX XXXX XXXX XXXX. There are REPEATED cases of fraudulent charges made in their financial gain of the same financial amounts ( charges made in {$50.00} or {$75.00} increments ) - it is clear that there is company involvement in these fraud cases. 
See more : XXXX5
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (CO)

I while trying to log on to my Pre-Paid Visa account with Ace Elite/Net Spend, with my card ending in XXXX, I forgot the password and as usual went to the lost password link, I then entered the information and was sent via my e-mail a temporary password, but when I would go back and enter it in, I would receive a " account locked '' message and for me to call the toll free number, I do and then am told it is unlocked, I even received an e-mail that my account is unlocked, but then when I attempt to do the same function, the same message shows, this went on many times over the course of 2+ days. I sent Ace Elite a e-mail about the troubles and it was signed by a " XXXX '' that passwords and user names are case sensitive and that for me to try it again, this time I tired to guess the password and the same message appeared that my account is locked. I receive my Social Security benefits : SSI and XXXX with this card and did get fed up and I went into the Social Security Office to change my direct deposit canceling Ace Elite/Net Spend and picking up the official debit card for Social Security ; XXXX XXXX but I still need to get into account to print statements, can you help me as I feel this is no longer a professional and business experience with this company and I need outside intervention. 
My Social Security Number is : XXXX My Date of Birth is : XX/XX/XXXX My E-mail Address under the card is : XXXXXXXXXXXX Account Number : UNKNOWN Dear Cardholder, Thank you for contacting NetSpend Customer Care! 

I am sorry to hear that you are having problem accessing your online account. 

Please note that your username and password are case sensitive. If you have forgotten your username or password, please click the " Forgot Password '' link located below the password box. You will be asked to answer a few security questions and then, you may create a new username or password. Once you do that, you will be able to login to your account. 

Furthermore, I am unable to locate your account with the information provided. If the troubleshooting steps above do not work, I suggest that you call our Customer Care line so they may assist you further with this matter as I am unable to do so via this email conversation. I apologize for any inconvenience this has caused you. 

Thank you for choosing NetSpend. Have a great day! 

XXXX Customer Care Specialist
Consumer complaint received 2016-11-09
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (UT)

On XXXX XXXX, 2016 i went to XXXX to load XXXX dollars cash on my american express serve prepaid card. The money never posted to my account. I have spent countless hours since that day on the phone with amex serve customer service. To no avail. They keep giving me the same runaround. They say they ate investigating the problem. As a result i wasnt able to pay my car insurance resulting in a cancelled policy. Also resulting in my vehicle registration being suspended due to no insurance. Ive gotten no definitive answer as to wen my money will be available.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE (UT)

I requested an escrow waiver agreement from my mortgage provider and learned there would be a {$510.00} fee attached if I no longer wanted them to collect the monthly escrow fee. When I questioned XXXX XXXX at Aimloan ( XXXX ) I was told this is standard procedure. Is this truly the case?
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint against XXXX XXXX XXXX for violating U.S. Code 1692g - Validation of Debts, which is part of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the violation pertains to the requirement for debt collectors to provide consumers with certain information within five days after the initial communication regarding a debt.

According to U.S. Code 1692g ( a ), a debt collector must send a written notice to the consumer containing the following information within five days of the initial communication, unless this information is included in the initial communication or the consumer has paid the debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed. 

XXXX XXXX XXXX failed to provide me with this required information within the specified timeframe. Additionally, the company " XXXX XXXX, '' which XXXX XXXX XXXX claims is the creditor, does not exist. This indicates that the debt is invalid and that federal regulations have not been followed. 

This oversight by XXXX XXXX XXXX has caused undue stress, confusion, and damage to my creditworthiness. Therefore, I request the following actions be taken immediately : 1. **Immediate Removal of the Invalid Debt** : Remove the invalid debt reported by XXXX XXXX XXXX from my credit report. 
2. **Remedy for Damages** : Provide a remedy for the adverse impact on my creditworthiness due to the invalid reporting allowed by both XXXX XXXX XXXX and your consumer reporting agency.

3. **Investigation into Compliance** : Investigate the practices of XXXX XXXX XXXX to ensure compliance with federal regulations and prevent further violations of consumer rights. 

This violation of my rights under the Fair Debt Collection Practices Act is unacceptable, and I urge you to address this matter promptly and thoroughly. Please acknowledge receipt of this complaint and inform me of the steps that will be taken to resolve this issue. 

Thank you for your immediate attention to this serious concern. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (HI)

In XXXX my mortgage under XXXX and suddenly change to XXXX till XXXX, due to resessions and difficulty of business income, i got hard time to pay my mortgage, I applied modification and approved with the amount of {$2800.00}. I was in 3 months trial payments, on the 3rd months XXXX refused my payments coz my mortgage is no longer with them and was endoresed to Ocwen, I called Ocwen for my 3rd payments and was n't able to accept payment due to non documents in their system. I kept calling and waited for several months and I finally received statement back to my original payment. I could n't make the payment till I got Foreclosure via XXXX Bank. 
XXXX XXXX XXXX promised to save my house which I paid {$2500.00} as their service fee by XXXX XXXX XXXX which is later find out Scam. 
I continuedly saving my house to apply Modification directly to Ocwen. While modification is on going XXXX Bank keep fighting to foreclose my house.XXXX Bank filled a motion to sell my house without open house and the court granted while my modification is on going. I called Ocwen what is going on then ask me to submit some documents and scheduled me to a phone call which they failed to call me. I received a motion for selling my property without open house. XXXX scheduled to sell my property without open house in XXXX XXXX, XXXX. I received a denied letter from Ocwen after the selling date. I filed bankruptcy chapter XXXX to save my house and paid {$1800.00} XXXX = {$3600.00}. A week after my relation officer called me if I want to save house and I said of course. Again ask me re-do some documents which I did. Ocwen approved my modification too high as much as my original loan payments after I filed Bunkruptcy chapter XXXX. I did not accept their offer because too high and ca n't afford due to difficulties and changes of income. 
I want to know also why XXXX Bank is foreclosing or selling my property while modification was on going? 
Please I need help what is going on and need help to lower my mortgage.
Consumer complaint received 2016-11-08
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Onity Group Inc. (NV)

I XXXX XXXX spoke to Ocwen Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX I also talk to XXXX they toll me they can not give me the full amount, XXXX went I talk to them on this day they say Yes that they were going to give me the full amount never toll me about any interest charge XXXX XXXX ID XXXX, also talk to XXXX ID XXXX well went I talk to them they told me to make the payment on the loan, and I did for the amount XXXX Do n't worry you are going to get all your money back went we get the pay off amount. But I told them that I was in the proses off paying the loan off amount {$170000.00} and my loan officer sent the pay off amount XXXX they got the pay off amount XXXX they are charging interest went I pay off the loan on time and made and extra payment for XXXX XXXX I pay {$1100.00} They only want to sent me {$1000.00} went I suppose to get the full amount. They say as long we get the payment before the XXXX XXXX it should be ok. I will get the full amount I still have not got my Money.Pleace help me call me at XXXX
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (GA)

I hired this company because they contacted me making promises that they could help me by filing info with federal agencies by filing complaints on my behalf but never did file anything for me and never did anything to assist me after receiving my money. They advertise they can save my house, get government to go after the lender and get me a modification. They did not do anything as advertised. I paid them upfront {$1500.00} + {$120.00} to use their notary service and after that I never got anything. I had to file for a short sale to stop the sale date on my property. Shortly after I contacted them after no responce to inform them that i had not received anything from them to verify what they have done and I was then sent some bogus information from them. At that point I was then informed that they would not be sending the information out but i would have to send the information and that they only would provide documents for me to send. I then requested that they cancel the contract and refund my money. I was then informed that they sent me a link to do so and they needed something in writing, so i drafted a letter and sent it to them and requested a refund but i have not received a response. This company is a scam and I would not recommend that anyone hires them to assist them with help to retain their mortgage. Please assist me with getting a refund from these XXXX and help me to put the lying scam XXXX in jail!!!!
Consumer complaint received 2016-11-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OH)

Dear XXXX, It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received {$250.00}. have paid {$360.00}. The principal balance has been paid in full At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked
Consumer complaint received 2017-09-04
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA XXXX lowered my credit limit from XXXX to XXXX for inactivity! This has negatively impacted my credit rating and my ability to get a mortgage all because I keep this card for emergency 's and do n't charge stuff all the time. My wife also has a credit card with them but they have n't bothered her limit. This is inconsistent at best and discriminatory at most. Is it because of my race or gender that I 'm being treated different then her. My credit rating was excellent before they arbitrarily lowered my credit rating.
Consumer complaint received 2016-11-08
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC (NY)

I received a letter from Cedar Financial in California requesting that I pay XXXX. In the return address of the letter was a number in the body of the letter was a contact number with a different area code. When I attempted to call both numbers the numbers were disconnected. The alledged Cedar Financial also included a bill with no date and a recent address, but they listed the debt as XXXX using an address where I lived in XXXX. They also did not include any names instead they signed it as the collection department. 
They included an alledged agreement to pay that did not include my signature, a date, a phone number etc. 
Over the past four months I had been disputing this debt with XXXX and they keep extending the dispute for 45 days. Each time they are redating the debt. 
I forwarded this information to XXXX along with documentation of my identity, passport pages verifying that I was not in the alledged city used as the billing address, I sent them copies of my drivers license and I received a letter stating " We have reviewed the documentation you provided with your dispute, but have determined that we are not able to use it to make changes or deletions you requested, We are contacting the furnisher of the information or the vendor who collected the information froma public record source. When we complete our processing of your dispute, which may take up to to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ) we will send you the results. 
This letter is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX stated in a previous communication of XXXX XXXX that the furnisher of the information Cedar Financial had verified the debt by matching addresses. The address could not have been a match the debt is listed as XXXX and I did not move to the address listed until XXXX. 
I also forwarded to them proof that since XXXX several persons have been scammed by Cedar Financial. 
XXXX has been very stuborn in removing the erroneous debt when I have verified that they have continued to report fraudulent information. They have never furnished me with, any proof of how they obtained this debt .I began disputing this item in XXXX XXXX and they continue to carry the debt and reage it. 
Please help protect consumers like myself from XXXX bad and ilegal consumer debt reporting practice. 

Kind regards, XXXX XXXX
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

A Collection Debt has been on my Experian Credit Report for over 13 years. I have asked it be removed in the past and Experian has responded by changing the " Open Date '' to make the debt seem current. This has happened several times. As of today, the debt still remains as a collection debt on my report with an open date of XXXX even though Experian has been reporting this collection debt since XXXX.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

To Whom This May Concern, I received a call from Kohl 's on XXXX/XXXX/XXXX that I was late in making a credit card payment. I was surprised because I never received a payment statement in the mail. I was told I signed up for email statements ( which I do not recall ) and doubt I would have intentionally agreed upon. However, I receive numerous emails from Kohl 's daily and do n't even read them because they are advertisements and I could have easily deleted an email statement as I was not expecting one. I intentionally do not accept email statements because I like to have my statements delivered in the mail so I can keep records of all bills/transactions in a file. Furthermore, I also generally only use XXXX credit card so I apparently I inadvertently forgot that I had actually used the Kohl 's card for a purchase. I paid it immediately when I got off the phone after the call. I was only contacted on that one occasion about the late payment. Looking back, I believe that I made a purchase in late XXXX or XXXX. However, I do not know for sure. I have requested that information and I was told that due to my closing of the account they can not see that information but will have it sent to me. I later found out that my credit report had been damaged from this one and only incident with Kohl 's. I had a credit score of XXXX before this and due to XXXX misunderstanding my credit score is now only XXXX. I tried to rectify the situation with Kohl 's but they will not work with me. I have had a relationship with Kohl 's since XXXX. I am sure you can see this is not typical behavior of me and I am asking to have this incident removed from my credit report. I appreciate you looking into this situation for me. 
Thank you for your time!