davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Direct Recovery Services, LLC (OH)

On XX/XX/2019 I received a call from a distant relative stating that they had received a call asking if they knew me and if so to have me call a provided phone number. I was provided the number and I did call. 'XXXX ' answered " Hello '' with virtually no introduction or phone system making it sound legit. He stated " I'm happy you called back so quickly '' with a clearly smug tone. I asked what company he is with and was informed " Direct Recovery Services ''. A company I have NEVER heard of or had any communication ( written or verbal ) with. He then asked me to verify the last four of my SS # which I refused given current Identify Theft statistics. After I refused and asked what this is about he said " If you won't verify then I'll just continue my investigation '' then stated " Good luck ''. I took this as a very threatening conversation and I am very nervous about what he may do next. I don't know anything about this alleged company and the debt ( whatever it is ) may very well be valid however the threatening tone of the conversation and the fact that they contact my distant relative who I have and would NEVER list as a reference or guarantor has me greatly concerned and now I have a " Looking over my shoulder '' feeling. I submitted a complaint to XXXX but I also wanted to try here, too. I am strongly considering a Police Report however with me being XXXX  XXXX and dealing with all my Dr . Appointments I am not wanting to have to do that.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CO)

I opened my account at about XXXX MST on XX/XX/2019. There was a welcome bonus offer on their website for new customers offering {$200.00}. The bonus is being offered through XX/XX/2019. 

On the website there are 2 options presented. Open now and the coupon code is automatically applied or email me a coupon to take to a branch before XX/XX/2019. I clicked the open now button, completed my application and opened my Chase Total Checking account. 

I deposited {$30.00} into my account the same day and signed up for direct deposit. My first paycheck was deposited on XX/XX/2019. 

I never received a bonus. I called Chase Customer Service on XX/XX/2019 at XXXX. The representative didn't see a coupon applied to my account. He escalated my request to the research department. On XX/XX/2019 I received a call from XXXX XXXX. He left me a message and asked me to call him back at XXXX ext XXXX. 

I returned his call at XXXX MST on XX/XX/2019. He told me that the coupon team reviewed my online session and did not see a coupon applied to that session so he couldn't do anything. I asked what would cause it to not be automatically applied as stated on the website and he said " I don't know what you did during your online session but there was no coupon applied. '' I asked if I was ineligible for some reason or declined for the coupon. And he just kept repeating that there wasn't a coupon applied to my online session so he couldn't honor the bonus. I was never provided a coupon code when I applied online. The website says coupon code automatically applied and it wasn't for some random reason that no one can seem to tell me.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (VA)

Mr. Cooper has continually failed to report the correct information to the credit reporting agencies. They acquired my loan last XX/XX/2018. I have dutifully ( despite their errors ) paid all payments on time and in excess. They have failed to report a correct balance, the monthly payments and are now claiming on the attached XXXX report that the loan has been sold. I have not been notified of this as per RESPA. 
They also claim it was opened in XX/XX/2018, also a lie. 

So to be clear the following items are falsely reported to the credit agencies : Date Loan was opened with them.

Current Balance Date of last payments Date of last activity Monthly payment amount Loan transfer/sale
Consumer complaint received 2019-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

I closed on a Home Equity Loan with PNC in XXXX of 2018. I have made extra payment towards the principal using the process I was advised to use when speaking to a PNC representative. I was advised to use the online transfer method and schedule it as reoccurring. Instead of applying the payments to principal, they've been applying them to interest. I've spoken to PNC on 4 occasions in an attempt to have the payments reapplied. Each time I'm told that they will correct the error but it will take a few days. Each time I call back and the issue has not been resolved. Because they are incorrectly applying the payments, they are showing my account as past due. I've asked twice for a print out of my account transactions. Both times I've been told that they'll send it but I haven't not received it. I'd like my payments applied correctly and to confirm that they have not been reporting my account as past due to the credit bureaus.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX received a call from a process server representing XXXX XXXX out of XXXX, TX. She ( XXXX ) stated that she would be serving me a summons the following day because I was being sued by XXXX for possible wage garnishment over a debt collection. 

When I contacted XXXX they stated that if I didn't settle I would be served and sued. When I requested validation of debt, the rep stated that she didn't have that information and that they were not a debt collection agency and suggested I contact the original creditor. 

I was able to obtain a date and business name from the rep and she stated that the statute of limitations in Ohio was 15 years. This debt was supposedly from XX/XX/XXXX, 14 years ago. She also stated that the previous debt collector has tried reaching me since XX/XX/XXXX and that XXXX had only obtained the debt 3 weeks ago. Approximately 5 months ago someone called me regarding this issue and I requested validation of debt and was told " that information isn't available, as we are not debt collectors, but a 3rd party ''. 

Can XXXX attempt to collect a debt while stating that they are 3rd party litigation and not a debt collector? While also requesting and offering settlement options? 

Can XXXX have someone call you, stating that are a process server, and threaten summons, suit, and wage garnishment if not handled? 

Can XXXX state the amount of debt and then state another price incurred if the summons is served, at nearly 3 times the original debt? 

My ignorant self paid {$700.00} on a debt I'm not entirely confident was mine ( I know I know ).
Consumer complaint received 2020-08-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

I returned a leased vehicle back in XXXX ( it was actually the same day XXXX XXXX died thats why its so vivid for me ) Recently I attempted to lease a new vehicle only to find my perfect XXXX credit score had dropped into the 600s due to some phantom {$11.00} balance on the closed account that has killed my credit score. GM financial was of little help since they never notified me, emailed, sent a statement or anything of the sort. I would have never found out otherwise. When I called them eventually they said they would submit a letter on my behalf and reverse it. I see nothing done!!
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ID)

I got a Credit card with XXXX XXXX on XX/XX/XXXX. Only to get {$15.00} off of my purchase and I gave them the cash for the item so I wouldnt have to pay anything off on the credit card. I was confused the first time to have a payment which is why I paid it late, but when I did pay it I had the customer service with XXXX XXXX tell me the full amount I owed, then I paid it off in full and had her close my account on XX/XX/XXXX. There is absolutely no reason why I should owe them {$210.00} when I paid off the amount I owed and closed the account because I used he card only that one time when I first got it. I dont have money to pay for something I shouldnt owe.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On three different dates, I submitted disputes to Experian requesting an investigation pertaining to a Bankruptcy that is reporting inaccurately on my credit file. The first letter I submitted requested an investigation, the 2nd and 3rd letter requested documentation stating their means of verifying information ; the name, phone number, position, and address to the company or person who they used to verify the accuracy of this bankruptcy with. On all three occasions Experian sent back letters stating that unless I send them relevant information to support my claim, they will NOT reinvestigate the information again. I am not the one who needs to furnish proof, Experian has a legal obligation to complete a thorough investigation and supply the consumer with all information obtained during the investigation. Experian failed to do that. In their letters, they stated ; " we contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office ''. However, I verified with The bankruptcy clerk at XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, that they DO NOT directly supply bankruptcy or any personal information with any credit bureaus or agencies. 
They failed to disclose the source and according to the Fair Credit Reporting Act statues, the inaccuracy must be deleted.
Consumer complaint received 2019-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Yesterday I got a phone call stating I was going to be approved for XXXX in a loan. Cash central USA and Mr XXXX XXXX XXXX, the number he called from gathered my personal information, including my bank login and password and verification code, and promised to have done a test deposit of XXXX-XXXX before depositing my XXXX loan. They then told me my bank account was not eligible for it and I need a new account. I'm retty sure I was scammed and my identity is compromised. As well as my personal account ...
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

The below complaint was not addressed, despite request by the bank for additional time which was over a month ... 
As I've stated before in numerous past complaints and again here, a closeout check in the amount of XXXX was sent out on XX/XX/XXXX via XXXX next day air, intercepted by another party the following day on XX/XX/XXXX. I left for vacation on the morning of the XXXX, a XXXX XXXX with XXXX XXXX XXXX picked me up around XXXX XXXX, drove me to XXXX XXXX in XXXX, MA, my flight left around XXXX XXXX. I have attached a statement from Mr XXXX stating he picked me up at my address on said date and time. I believe XXXX dropped off the package in the late afternoon, I was not at home as I had left at XXXX XXXX. The check was intercepted by a XXXX XXXX, my signature forged on it, deposited to a XXXX XXXX XXXX  which is not my account. I was able to reach a cousin whom lived here prior from XX/XX/XXXX to XXXX of XXXX, I moved in XXXX of XXXX. His now ex-wife 's name is XXXX XXXX and she was here on XX/XX/XXXX visiting a neighbor in XXXX XXXX next door, it appears she intercepted the check, signed and cashed it into her account. Prior this, a check for same amount was sent on XX/XX/XXXX, received on XX/XX/XXXX, which had a stop payment placed on it. The check was deposited to my XXXX account, returned back and numerous overdraft and returned check fees assessed which Capital One reimbursed me for. However, the issue of the fraud check is still ongoing since XXXX. A XXXX XXXX with Capital One has provided info showing the XXXX XXXX XXXX account was at a brief time linked to my Capital One account, in which case my account was compromised and hacked into. A rep with security intake team removed the account on his end manually after speaking with me on the phone, realizing it is fraud. Further, XXXX refers to a check deposited to my account from the XXXX XXXX account which I believe my account was used again, possibly to move funds, this is another reason account was since closed by Capital One. The information she has shown is all circumstantial ... .. I was not at home to receive check, sign and cash it. It was deposited to a XXXX XXXX XXXX account which is not mine. Capital One refuses to check signatures on checks, one received on XX/XX/XXXX and second intercepted check, signatures are different from another as I did not sign check sent on XX/XX/XXXX and taken by XXXX XXXX. In closing, please advise Capital One they need to provide a mailing address to send notice of small claim suit as well as copies of all checks, two in the amount of XXXX and additional check which covers fees charged by XXXX due to stop payment. I require all this info in order to file small claim suit. Another option would be to reissue check for funds owed to me.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AL)

Back in XXXX of 2018 my credit card was stolen and someone used it to run up an enormous balance. I don't know why all of those charge got through. I called once I realized it and informed them. I told them I did not have the card, did not use it, did not give to anyone and no one used it on my behalf. I also signed the affidavit that they sent me. I asked was a police report necessary and rep said you can do it but it's not a must. They adjusted my account for the charges and then 3 months later put the charges on my account. I immediately called to see why and what was going on and they stated it was suspicious. What does that even mean? How was it suspicious. They didn't state clearly and informed me a police report needs to be filed so they can adjust. I informed I asked about that when first happened and was told no. I filed the police report and provided them with the officer name, precinct and case number. Time goes by and they say the credit will not be put back. This makes no sense. I called in when noticed and that was within time frames that I have to, I have been totally compliant and returning information that ask for promptly and there is not one single piece of evidence or anything that can show I did this. Not one because I did not and didn't authorize. My spending habits on the card wouldn't even suggest me spending like that or that much. I just don't understand what's going on and why this is happening to me. I need help.
Consumer complaint received 2019-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I've been avidly paying {$420.00} for a car since XX/XX/2015, I believe to have already paid it off but somehow it says the car is still worth almost over XXXX. No one will trade my car in because I owe to much and it's not worth even XXXX anymore. I went to another auto dealer to see if I could get some help refinancing, and they advised I was paying 21 % in the beginning which is what i was not signed up for. Please help!
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I have some voluntary dismissed chapter XXXX bankruptcy 7 years ago. Equifax continues to report it after seven years. They have publicly stated thru a printed article by a spokesman that they changed the report of these types of bankruptcies from 10 years to 7 years. I file a dispute and never heard back from them. I called to follow up and was told its 10 years regardless what their spokesman 's public comments. I asked for a floor supervisor and he just parrotted the same thing. I then ask to be transferred to his supervisor which he did and it told me I had to leave a message and a supervisor would call me back within twenty-four hours. After waiting more than twenty-four hours I haven't heard from them and no longer expected them to as I think its just a stall tactic. The two other Credit Bureaus no longer report them and I have more than a 100 point increase in my score with both of them. They also only show half of my positive credit whereby the other two report my credit lines/loans history completely. I've been denied credit because of their inaccurate reporting. I seek relief thru your organization first, but hopefully, I won't have to file a legal action. In an email, Equifax spokeswoman XXXX XXXX wrote that the company had recently modified the length of time for how long a dismissed Chapter XXXX bankruptcy remains on file. Under the new policy, she wrote, Equifax removes the flag for a Chapter XXXX bankruptcy after seven years, regardless of the outcome. 
https : //wwwXXXX
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

wrongful foreclosure in XX/XX/XXXX and wells fargo admits they had computer errors. my file according to the other claim was sent to OCC which has no knowledge. I was told to resubmit to the OCC and I did and when I called them on XX/XX/XXXX I was told it was sent to your office. I have been gotten a RUN around since day one. I want to know what is going on and I also called wells fargo onXX/XX/XXXX and asked them I have not received a letter and they gave me a claim number # XXXX and a number to call them back @ XXXX they told me someone would call me back within 48 hours and I have heard nothing. Just like I have been saying from day ONE I have all the proof of what they have done and No regulators will do anything. I want my house back or a comparable house. I have been fighting this since XX/XX/XXXX. i also want every document pertaining to my loan modification with XXXX
Consumer complaint received 2017-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC (IN)

On XX/XX/2019 I went to XXXX XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX, XXXX IN XXXX their phone number is XXXX XXXX, I was shopping for bedroom furniture, I saw a headboard, night stand and dresser I liked it was listed for {$690.00} cash, the sales man who I believe owns the store advised me there was an option for financing option, I just had to fill out an online application if i had a checking account, I filled out the application I was approved for {$750.00} financing. 

I tried paying {$50.00} down payment with a XXXX card it was rejected my girlfriend was with me, the man then said if u can pay {$63.00} to him he will use his card we did that, deal was closed I picked up my furniture, he said since I took financing option my total was going to be {$820.00}, he gave me a receipt for that same amount I still have it, to my surprise a week later I received an email from the Acima finance company stating my total was {$1800.00} with bi-weekly payments of $ XXXX tax it says, this is predatory lending these terms where never discussed, there was never a loan estimate provided, Ican provide copies of receipts and the email I received at your request
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I was a XXXX customer who moved my mobile number over to XXXX. Immediately after moving my number over, I attempted to log on to my XXXX account to cancel it and pay my final bill only to find I had been immediately locked out of the account and got an error message that stated that there was no mobile number on file. I called XXXX in an attempt to ensure the account had been closed and to pay my final bill. I was told by the XXXX representative that I would need to wait until the billing cycle closed and to call back on a particular date, and would then be able to pay the pro-rated bill over the phone. My wife called in after that date and paid the remaining balance in full and was told she'd receive an email confirmation. We never received one. Eight ( 8 ) days later, we received a notice in the mail from a 3rd party collection agency, Convergent Outsourcing , inc . I called XXXX about the notice and they confirmed the account was paid in full and there was no record of having turned it over to Convergent. XXXX stated that even though the account was closed, they weren't able to provide me with a receipt for the phone payment I made, or, any documentation to confirm closure of the account and suggested that I contact Convergent. The next day I called Convergent, and after being given four ( 4 ) different phone numbers to call within that agency with nobody finding a record of the notice they sent me, I finally was able to speak to someone who confirmed that the account was inactive, and there was no dept or balance due. However, they refused to send me judgement or verification of the dept, even though on the notice it states that if I contacted them within 30 days of receipt of the notice, a copy would be mailed to me. I spent 53 minutes on the phone and spoke with 5 different people including a supervisor to get to that point. As a consumer, I find it extremely troubling to be put in a vulnerable position of no written proof of closure, and having to rely on the same people who erroneously generated the dept collection notice to have competently resolved the issue.