davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (AP)

After fighting this once already with another collection agency ( XXXX XXXX ) and the originator ( XXXX XXXX XXXX ). And threatening legal action against both for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped ... now over a year later, another debt collecting agency is reporting the same debt on my credit report ( Penn Credit Corp ). 

XXXX XXXX ... I departed XXXX, Colorado on MILITARY XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. 
XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in XXXX. As it is documented here, that did n't happen immediately, and is now continuing. 
EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX XXXX XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after 2 missed months ). While I was XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. 
Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.
Consumer complaint received 2016-03-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Avid Acceptance, LLC (AZ)

I requested the company correct their reporting on my credit report and they responded with a threat to garnish my wages and withdraw the signed payment agreement we currently have that has not been broken by myself in any way. They are now threatening to void the signed contract and force me into other options I can not do. The options they are trying to force me into are as follows 1. sign a new agreement for a higher payment amount that they know I cant afford. 2. Settle the amount in two lump sum payments again they know I cant afford. 3. Threatening me to garnish and they only way to avoid it ( in their own words is to file chapter XXXX bankruptcy which I cant do. They have contacted my employer to ask personal questions about my pay and advise my employer of my debt and their threats. They have also refused to respond to me in regard to the incorrect reporting on my credit.
Consumer complaint received 2016-03-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (MD)

In the last 3 weeks I have gotten 4 calls from the following number : XXXX with the following message : This message is for ( my name ). If you are not ( my name ) please hang up. By continuing to listen to this message you agree that you are XXXX XXXX. My name is ( insert name here ) and I am calling from Northstar Location Services please return my call at XXXX regarding a debt collection. 

I do not have any outstanding debts. I have looked up the number and it there have been several complaints that this is a scammer number.
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (SC)

During XXXX XXXX, Midland Funding c/o Encore Capital sued me in court and received a default judgment against me. At the time of suit, I failed to respond as I was going through a tough time in life and felt helpless. Now moving to present time, I recently read that as of XXXX XXXX, Midland 's collection tactics have received extreme scrutiny from the CFPB based on their use of robo affidavits and the failure to appropriately and thoroughly validate alleged debts. It seems as though with the CPFB recent ruling and consent order, my case does meet several criteria indicating that the judgment should be vacated. Back to the past, prior to the issuance of the judgment I did request that Midland validate the debt which failed to do so in full and even made it seem as I was the one that had to provide the documentation. I continue to dispute the balance from Midland for the following reasons, the balance is inaccurate, statements in Midland 's affidavit were auto produced and without merit, and a lack of paper trail concerning ownership of the alleged debt has and continues to not be provided. Additionally, on or around XXXX XXXX, XXXX, I received a letter from Midland Funding 's local representation regarding a notice of settlement for the judgment. Included with the notice was an erroneous statement that stated " This communication is an attempt to a debt collect by a debt collector ''. What does that even mean? To me it just seems further attempts to violate consumer rights and either toe or outright step over FDCPA laws
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CO)

I signed up for a Frontier Airlines XXXX XXXX through Barclay Card XX/XX/2015 for a promotional offer of XXXX frequent flyer miles. I paid the required annual fee and met the purchase requirements of the offer. Over several months I contacted Barclay Card regarding the miles. It was acknowledged that I had met the requirements of the offer. I was told several times to expect the miles to post to my account. On XXXX/XXXX/XXXX I was again told that the miles would post to my Frontier account within 30 days of a letter posted to me dated XXXX/XXXX/XXXX. They still have not posted and today I closed my Barclay Card. I requested that the annual fee be returned as I was not provided the XXXX miles. I was told by a supervisor that that was not possible.
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I closed out my CD with XXXX XXXX on XXXX/XXXX/2016 and received a Cashiers check for {$100000.00} on XXXX/XXXX/2016. 
I deposited this check on XXXX/XXXX/2016 in the ATM machine of m my local ( XXXX XXXX ) Wells Fargo Bank. Wells Fargo has placed a hold on this check until XXXX/XXXX/2016 with the excuse that the account was not found. The account no. 
is clearly printed on the check and XXXX XXXX assure me that the funds have been transferred to Wells Fargo. 
Wells Fargo refuses to lift the hold and states that it will attempt to locate the account again on XXXX/XXXX/2016 and will return the check to me if they fail. Is there any way to resolve this issue?
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (TN)

I ordered a product online from Ebay which I had done many times in the past. Using Express checkout Paypal changed default settings to Bill Me Later. I had an active Paypal balance of over {$600.00} in my account I had no need for a credit card I assumed they would remove the {$9.00} from my balance. I later find out they have opened a credit card, charged me late fees, and interest on {$9.00}. I finally called and asked they close the account. I mailed a check for the {$9.00} that I owed. I called again asking them to remove late fees and interest and they did however they would not remove the {$6.00} interest. This is XXXX % interest on an item in less than 6 months. I feel I was wronged in the situation by being misled into a credit card I did n't need. I now realize they have paid fines for these actions earlier in 2015 but it appears this did n't change PayPal 's misleading practices to consumers.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This complaint is being made for several reasons ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no XXXX to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. TransUnion has not investigated any of my accounts. I have contacted all of the companies on my credit file to inquiry whether the credit bureaus have contacted them and what documentation was used to substantiate the way they are reporting the item in question. I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. XXXX states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my XXXX and XXXX dispute letters which detail why they are inaccurate.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company have on file that were used to dispute the account I disputed. being that this is gone pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA, they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible Thank you
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SUNRISE CREDIT SERVICES, INC (PA)

My student loan, about a year ago, got switched to a new company. Ever since, it has been nothing but stress and problems. I prefer making payments online, a year later and their online payment system still does n't work. Every time I call no one seems to know how to resolve that issue, instead they talk you into auto payments, BUT you can only set that up for 12 months at a time. I asked if they would send a reminder when that auto payments will expire, the associate swore up and down they would notify me via email. Not only did I not receive notification at all, I have not received one email from this company, ever. I have called numerous times requesting confirmation emails for when my payment is made ( because I get them from my other XXXX student loans ), the associate resets my email and verifies it every single time, still no email. Every time I call I have to be transferred numerous times until I get the correct department. There is total lack of communication, problem solving, organization, efficiency, structure, and professionalism etc. My auto payment does not go through the same day every month, which it is supposed to. According to them if the person is n't there to run the payment, it does n't go through. I do n't know how a credit service can run a company like this. I also, did not receive any information from them for filing taxes, as I did from all my other loans. Lastly, to sign into the online payment they ask for a client account number and have a link " how do I find my client account number '' showing where it would be provided, and it is no where to be found. They do not provide you that account number anywhere.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo had my APR rate set at 12 %. I made XXXX late payment in XX/XX/2016, APR immediately jumped to 28 % & back charged based on 28 % rate as opposed to 12 %. 

Wells Fargo has a history of bilking clients ( fake accounts ). It looks like they are moving this practices of bilking clients by back charging APR. I have decided to close out my accounts with them as I no longer trust their employees and business practices.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (NC)

These XXXX collections have been on my credit report for some time now and I did not know that they were in collections which now is damaging my credit report and scores as i was trying to repair my credit and get it back on track and with advice from an attorney recently, ( bankruptcy attorney ) he advised me to contact the Federal trade commission to try and have these removed as it would help my credit score greatly which is very important to me.
Consumer complaint received 2016-03-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CL Holdings LLC (FL)

My name is XXXX XXXX XXXX date of birth XXXX/XXXX/XXXX and in XXXX/XXXX/XXXX I tried to contact JEFFCAPSYS because I 'm taking steps to fix my credit and unfortunately the phone num, ber on the credit report is disconnected that number is XXXX since I could n't get in touch with them I tried colling XXXX wich is the original creditor, but they were not able to help me they told me I have to contact JEFFCAPSYS when I told them their phone number is disconnected they gave me XXXX, but when I tried calling that number since XXXX/XXXX/XXXX it tells me to call back during regular business hours but I have called different times and dates since XXXX/XXXX/XXXX with no luck I always have the same answer ' to call during regular business hours "
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (NV)

I am filing a complaint against Harvard Collections, located at XXXX XXXX XXXX XXXX XXXX Il XXXX. The phone number listed is ( XXXX ) XXXX. Harvard Collections held a debt of mine originating from the IL Department of Human Services ( phone : XXXX ) in the amount of {$1000.00}. That debt was paid by me to Harvard Collections on XXXX XXXX, 2016. I received confirmation of payment by collection manager XXXX ( XXXX ) XXXX ( XXXX ext XXXX ) and was informed that Harvard Collections sends payment to the original debtor once a month at the end of each month. He informed me that the Illinois Department of Human Services will not receive payment until XX/XX/XXXX which should be reflected before XXXX XXXX. I filed my taxes in XX/XX/XXXX. {$1000.00} was taken out of my taxes on XXXX XXXX, 2016 due to a tax offset for this same debt which was paid on XXXX XXXX, 2016. I contacted the Illinois Department of Human Services directly on XXXX XXXX, 2016 and explained to XXXX that I paid this debt twice. He informed me that I would have to wait until XXXX XXXX, 2016 for both payments to post in their system ( XXXX from Harvard Collections and another from the XXXX XXXX XXXX XXXX ). I contacted XXXX on that date and was informed that nothing was posted yet. He told me to follow up. I followed up XXXX XXXX, 2016. A representative informed me that the department XXXX XXXX XXXX received payment from the XXXX XXXX XXXX XXXX but did not receive payment from Harvard Collections. I immediately called XXXX XXXX at Harvard Collections and asked why this debt has not been paid even though I paid. He then said that his company does not deal with the payment to the original debtor and he would have to contact 'client services '. He would not give me a number or contact information. He later told me that he does not have a number for client services only an email which he would not provide to me. I have followed up with XXXX XXXX several times and he either hangs up wilhen I call or tells me lies. He wo n't refund me my money. The account has been paid twice and I ca n't find any resolution with Harvard Collections.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (OH)

Received a Balance Transfer offer from Chase Bank which explained the terms of 0 % interest for several months and a XXXX % transaction fee. See uploaded documents. I used the on-line transfer mechanism to complete the transfer of an account balance from a XXXX 's credit card of {$15000.00}. The Offer documents contained no reference to any special repayment terms ( method of calculating ) that would be implemented if I took advantage of the offer. I have been a long term customer of Chase with an 18 year experience base with payments regarding my credit card account. At no time during those 18 years did I ever encounter any minimum repayment terms that were more than XXXX % to XXXX % of the account balance. When I checked my account several days after completing the transfer I saw that a payment was due of some amount ( was not in excess of {$150.00} ) which I promptly made a payment of {$150.00}. several days or maybe 10 days later I looked at the account on-line to make sure that my payment had been recorded wherein I discovered that the upcoming minimum payment due was {$750.00} ( by memory ). I was shocked but thought that since I had just recently completed the transfer and had made a payment that maybe there was some type of glitch that caused the unheard of minimum payment. I thought that I just needed to give it a few more days to sort out the obvious error. But the Minimum Payment has not changed. The situation prompted 2 or three phone inquiries to Chase where in I was first told that the minimum payment calculations had recently been changed to be XXXX % of the unpaid balance. I asked that to please tell me when and how such notification occurred. To which I was told that a letter would be mailed to my home address. I was not told that these new terms were made known to me or that they were included as part of my account or that these re-payment terms were a part of the Balance Transfer offer. On my last call ( today XX/XX/2016 ) the man who looked at my account began by telling me that minimum payments are calculated at 1 % of the unpaid balance plus interest and any late fees or penalties. He then stopped after looking at my minimum payment and said that the rate was XXXX %. This is a clear case of unfair and deceptive consumer practices. An offer was made, of which I accepted and then new terms are applied to the transaction which will put my account in default and result in additional fees, penalties and charges. 
I want the repayment terms to be established at no more than XXXX % of the unpaid balance and any extra fees, penalties or interest charges to be refunded.
Consumer complaint received 2016-03-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

In roughly XXXX I was having problems making the increased payment amount of my private student loan serviced by American Education Services. I contacted them on multiple occassions to request assistance to modify my loan so that I could manage the payment. I was repeatedly told I had exhausted all options. So even though I was making payments, I was not making the " increased payment '' and would get charged late fees. At this point I accrued about {$800.00} is late charges even though I was consistent on my payments. 
I contacted a debt counseling services in late XXXX. They have been making payments to American Education Services since XXXX/XXXX/XXXX. The payment is paid automatically at the same time each month. I have personally managed to pay off the late charges and bring my account current. I made that payment in XXXX of this year. So I was feeling confident, and getting things handled. 
American Education Services has STILL emailed/called me in XXXX of this year saying that my payment has not been received. I emailed them the check number and date it cleared thier account. Now again for my XXXX payment, they email me AGAIN to tell me this check has not been received. So AGAIN I contact the debt consolidation company and they provide me the the check number and the date it cleared the American Education Services bank. So American Education Services is infact recieveing my payments and not applying them correctly. Two months in a row. 
Today XXXX/XXXX/XXXX, after I have already emailed them with the check information AND a list showing ALL payments made since XXXX - they now want front and back copies of the check they say they do not have- but that cleared thier bank account. 
They have been getting these payments from the same source since XXXX and now all of the sudden, since I managed to pay off the late fees they say I accrued, I am yet late AGAIN?? 
How many months during the last almost 2 years have they been " misplacing '' my payments and charging me these late fees, and then telling me they can not help me or offer me any alternatives even when I have been consistent on my payments? I sense very unethical business practices. Nothing new with the payments has occured, but now I am late - yet again - at least until they " find '' my payment, that they already have. 
I would like an investigation into this matter and any assitance you can provide. Perhaps being able to change lenders? Are there any new reform acts for students loans that I qualify for? I am TRYING to pay my debts. I am not asking that they be wiped out, but I think I am the victim of very unfair business practices.