davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am a XXXX XXXX of XXXX XXXX. My now X-Husband who 2 years ago XXXX  me very bad and I had to be reloacted by XXXX XXXX XXXX. Around XX/XX/2017 I contacted Capital One Auto to pay my car note thru the phone system and I was asked to identify what account I wanted to place a payment for. I have only and always had 1 account with Capital One and it was not a credit card it was auto. I contacted Capital one numerous times but I never get anywhere but transfered from one department to the next. I sent a IDenty Theift Letter 2 months ago and they never responded. I proved that this was not my account and that my X-Husband was the person pretending to be me and I had a email from my X-Jusband that he was going to have me so far in debt and ruin my credit my name that i would have no choice but to come back and take his XXXX. 
its hard enough to find the strenth to walk away from a XXXX   relationsip to leave your home with nothing but the clothes on your back and still be XXXX not listen to because he had access to my personal information. Capital One Credit Card Company even mislead me a the end of last year when I was behind on my car note I was contacted made a p [ ayment arrgangment for the amount I was behind on on my car note but this was not my car note this was the fraudlent Capital One Credit Card ... Well I paid XXXX to what I thought was my auto loan payment but it was the credit card company and I became even more behind on my car note becasue the money went to a credit card
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding (NC)

I have an adjustable rate mortgage that has been sold to or purchased by XXXX XXXX XXXX   XXXX took over my loan in late XXXX. Thus far there has been irregularities for 7 of the 8 months they have held the loan. Payments in XXXX XXXX we placed in a reserve account instead of being placed towards the loan because they claim that we were not paying enough each month. The loan has been set up on an automatic draft since XX/XX/XXXX. When I discovered the issue in XXXX, it took about 2 days to get the information corrected, the money placed in the appropriate place, and the draft corrected. We were told there would be not late payments. The issue occurred because we were not issued a rate change letter for our ARM, and to this date we still do not have that letter. I was told the new payment would be {$370.00}. and some change. In XXXX, 2 months late charges appeared the account. I again called customer service and was told it was an error and would be corrected. In XXXX, a larger payment than we were told was drafted from my checking account. When we called we were again told that there was a computer issue and it would be corrected. I again requested a copy of the rate increase notice. I also requested a payoff as I have decided to refinance. On the payoff, it notes that my current interest rate is 5.125 %. On my XXXX statement, my interest rate is now 5.250 %. The second change this year. This is in violation of my ARM which states one interest rate change per year beginning at the XXXX mortgage payment. I will be closing with a new finance company on XX/XX/XXXX.
Consumer complaint received 2019-07-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ERC (FL)

On XX/XX/2019 @ XXXX XXXX I received a call from ERC in XXXX Florida. They asked for my personal information without stating the name of their company or the fact that they were a collection agency. They asked for information without even stating the name of their company. Also they threatened me and harrassed me on the phone telling me they were going to file a lawsuit against me and their team of lawyers would take action against me before even telling me what the debt or call was even regarding. This company should be shut down due to their illegal collection practices.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (IL)

Enhanced Recovery Company collection for XXXX XXXX XXXX in the amount of {$100.00}. This account is years old. It was settled. It popped up on my credit report sometime after it was paid. I disputed it when I become aware of it and sent paperwork to confirm to XXXX. It was removed from my credit report for a period of time. I became aware that it was added back again when applying for credit and being denied. I again disputed and asked for dates, and payment history, which I never received. I have not received notice directly from Enhanced Recovery Company, it only keeps popping up on and off on my credit. It shows on my credit as if it was placed in collections on XX/XX/2018, even though I haven't had XXXX XXXX in more than 3 years, it was initially disputed prior to XX/XX/2018 and readded. The only other explanation is someone else fraudulently used my name because I have not had XXXX in years for any services. I have now been denied credit twice before of this false reporting. It is harassment. I have 24 credit accounts in excellent standing with credits of up to {$20000.00}. This one false negative reporting for {$100.00} has stopped me from getting credit. Enhanced Recovery Company placing this on my credit report without sending me notifications through mail, without providing an account history, it being removed more than once after being disputed to only show up again is harassment.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XXXX of 2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded I do ask that considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to continuing having the positive experience that I have had with you in the past. 


COMPANY INFORMATION XXXX/XXXX ACCOUNT NUMBER XXXXXXXX
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NY)

I received a letter from Receivable Performance Management LLC on  XXXX/XXXX/XXXX, indicating that I owed XXXX. The original creditor is XXXX XXXX. 

I cancelled my service with XXXX about a year or two ago and switched over to XXXX. I had 5 telephone lines with XXXX, and when I cancelled my service with this company, all 5 lines should have been cancelled. Instead, what XXXX did was keep 1 of the former telephone lines open, and claimed that this one 1 line had never been  cancelled. So it was open and inactive for a year or two, without my knowledge. 

It does not make any sense that XXXX would keep 1 line open, since I cancelled my entire service with them. This means that all 5 lines should have been cancelled as well. XXXX chose not to cancel 1 out of the 5 lines, and now wants me to pay for the duration that this line had been kept open by them.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (UT)

Citi can not provide me my bill balance or due date when I inquire. On XX/XX/2019 I tried logging in to Citi 's website at https : //online.citi.com to view my card balance and due date. The website would not allow me to login and did not indicate my username or password were incorrect, but simply displayed a message to call customer service. I called customer service and was told they were having system upgrades and asked me to call back in 24 hours. I asked if I should be able to access the website and was told the same answer. No help. How am I to know how much to pay if I can not see my bill? How am I to know when to pay if I can not access customer service or the website, and do not receive paper statements. One system should not prevent the other from being available.
Consumer complaint received 2019-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

Around XX/XX/XXXX, I made a purchase regarding a camera bag via XXXX. I realized, it was not a bag that I wanted, so I made a return request for a refund. I received an e-mail from XXXX and was directed to call XXXX. I was told that I called Pay Pal to get my money back of approximately {$35.00} on XX/XX/2019. When I called the number, a man named XXXX XXXX out of California, told me to go to XXXX and XXXX and purchase several XXXX cards for {$800.00}. He asked me to scratch the back off and read the number to him. Not knowing, I read the number to him. Additionally, he asked to remote into my computer in order to process the refund. My daughter happened to walk in and realized what was happening. The guy immediately hung up when she got on the phone. He continued to call me, demanding that I give him an additional {$2000.00}. My daughter helped me to call XXXX and reset all my passwords and take out the spyware he installed on my computer. Over the course of a week, he continued to call me until I filed a police report with XXXX PD.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

In the process of pulling up my credit report online, I became aware of a charge-off on my credit report " paid, charge-off ''. I was not aware of a balance owed on this account as I was not notified of any further information since XXXX. Upon contacting the company, I was told that they no longer hold the debt and it has been sold to another company, which they gave me the name and contact info. I contacted that company and was told that they have no record or account in my name and referred me to yet another company. Contacted that company and again same response. They also do not hold this debt. When I referred back to original creditor, I am being told that there is a notation on my account that there will be no further dealings with myself. They will not give me any further information on this account. I am unable to gather more information to rectify this matter and update my credit report. Again, I have not received any information on this account since XXXX and they will not supply any further information other than what is recorded on my credit report. They have listed this on my credit report in XXXX, four years later, and have no ability to offer any further information. I have hit a wall, at a standstill with no options at clearing up this matter. If this was in fact sold to another company, why are they not giving valid information. I do not believe the information as correct and can not pursue as company has noted in my account, " no further dealings with customer ''.
Consumer complaint received 2019-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX or cash app. I said I can do cash app because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted cash app for assistance, they told me to contact the bank I use. I filed a dispute with XXXX XXXX XXXX XXXX. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to help.
Consumer complaint received 2017-10-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seterus, Inc. (IL)

Response from Seterus to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number.
Summary judgment was not granted and there is a counter suit against Seterus for filing a fraudulent complaint.
I have no contract with Seterus.
They are lying through their teeth.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I purchased an item online and within 10 minutes canceled the order. In XXXX my account was charged for {$70.00}. I contacted USAA to inform them that this charge is not valid and that the item was canceled. I was told a dispute was entered and a refund would be placed on my account. On XX/XX/XXXX my account had a withdrawal of {$70.00}. Contacted USAA and was told the transaction was valid and payment was rendered. I again explained that I didnt receive the item nor did I authorize a payment. I was told the dispute department made the decision and that they will contact me. I have not heard anything and only want this transaction reversed and money put back into my account. I also want USAA to stop pushing payments thru without contacting the consumer that a decision was reached. This happens often with this company and I have fought with them numerous times regarding issues like this.
Consumer complaint received 2019-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (IL)

As a college student, I frequently use money sharing apps to send money to friends and buy things that I need. On two different occasions however money was sent to me that did not show up in my Cashapp account. This first time it happened my female friend XXXX   sent me {$10.00}. I noticed the money wasnt there but thought it was a momentary glitch and because their is no customer service number there was nothing I could do. On XX/XX/XXXX a friend XXXX  sent me {$30.00} through the app which did not show up in my account. Immediately I emailed support and they responded within a few minutes but after I tell them the problem and that my money is not there they ignore me. Then again I emailed them and they responded immediately telling me they can help me get access to my account and I explained that I had access to my account but that money was not showing up in it. I said to rather send me my money or refund my friends and I got no response. I need this money to last me the week until I get my paycheck. This company should not advertise a 24 support team that will not respond to claims. Im not the only person who has had this unjustly happen to them and I personally believe that this company needs to be held under greater scrutiny as a multimillion dollar corporation.
Consumer complaint received 2019-06-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST CENTENNIAL MORTGAGE CORP (CA)

Hello. My name is XXXX XXXX, i and my wife purchased a property in XXXX California on XX/XX/2018 and I have a issue with the initial mortgage servicer/company ( FIRST CENTENNIAL MORTGAGE CORP ) whom i closed the purchased with. Now after one year I recently got a notice that I have a ESCROW SHORTAGE from my current loan servicer ; XXXX XXXX, because they claim my property taxes were not computed properly for the first year after closing the purchase. They claim they were going off an estimate all this while. I dont understand this because all the FINAL SETTLEMENT STATEMENT shows from day one what the property taxes were. AT CLOSING, i paid PRO-RATIONS to the remaining property tax due at that time as the previous owners already paid the first half of the property tax which is split to two payments over a year. i was under the impression that the remaining half was part of my mortgage premium and that i was paying it all this while during this one year after closing. 
The county never increased my taxes it remains the same as when I bought the house XXXX of 2018. All of a sudden they have increased my mortgage significantly. I have attached the ( CLOSING DISCLOSURE AND FINAL SETTLEMENT ). i want to know how FIRST CENTENNIAL MORTGAGE determined the amount of the initial escrow payment, because XXXX XXXX says they dont have anything to do with it because all that was determined at the TIME OF ORIGINATION with FIRST CENTENNIAL MORTGAGE.
Consumer complaint received 2019-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MS)

I have no knowledge of this account, and am unsure of the debt. I have not received a notification to initiate a dispute for this information, 809 ( a ) of the Fair Debt Collection Practices Act. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute. However, I have not even received the information, regardless of when it was mailed out, and it is affecting my credit report. I want this information to dispute the debt, and receive validation of this supposed debt that I have no knowledge of.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

EXPERIAN REPORTING ( 3 ) BANKRUPTIES I NEVER FILE EXPERIAN REPORT # XXXX I requsting that investigation be done with Experian. Experian is report three bankruptcy that I did not file. See Bankrupties below are not mind. I only filed three bankrupties, the other three bureaus XXXX, and XXXX  have removed this three bankrupties. These bankrupties should not be reporting to Experian. 
( 1 ) Bankruptcy Chapter XXXX Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX ( 2 ) Bankruptcy Chapter XXXX Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX ( 3 )  Bankruptcy Chapter XXXXd Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX
Consumer complaint received 2019-07-06
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: EQUIFAX, INC. (MO)

Incorrect information reporting on my credit file due to my identity being stolen and sold on the dark web where someone has consumed my identity and the results are a bunch of fraudulent accounts inwhich I'm begging to be removed and/ or blocked from my credit data files. I'm also asking that the major credit bureaus provide me with any and all certified physical documentation for my viewing before reporting any thing via electronic Verification inwhich by consumer law can not be taken for proof of any sort, Therefore, I'm demanding that these fraudulent accounts be blocked immediately. 

1 ) XXXX XXXX 2 ) XXXX XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) The XXXX XXXX 6 ) XXXX 's XXXX 7 ) XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I am a freshman at XXXX College. I opened a student checking account with TD Bank because before I moved in, I spoke with a branch manager in the XXXX branch who told me his wife worked at the college and there was a TD ATM on campus. Not true. That means I pay {$3.00} every time I withdraw money. I try and get money when I buy items at the bookstore etc to avoid that fee but in my last statement, I noticed I got charged {$3.00} for a " Bal Inq Fee. '' I feel that this fee was not explained nor is it fair. I think they are taking advantage of me as a student and I want my money back for the fee ( and the {$1.00} paper statement fee too ), since I did not get told about that fee either. I am considering closing this account altogether since I feel that they misrepresented the ATM location too. I thought that banks were supposed to treat students fairly but that is not how it appears.