davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (SC)

I received a letter of threat that I had 15 days from the date of a letter to pay a debt or they would file suit against me in court. The company then I called and they said I had 15 days to pay or they would send me a confession of judement in order to keep this out of court. I then told them I wanted all paperwork of verification sent to me and I would make a payment of I believe {$140.00} till I could see what this was about. I never received anything but a confession of judgement. I then set up a payment plan over the phone with them and sent the papers back. I emailed them and requested through many calls to get copies of the paperwork and bills to prove the amount. Still nothing. When my payment date came up I called to make a payment they denied me that opportunity said they never reeived the signed copy of the confession of judgement and then said they had already filed the lawsuit with the court. I said you never sent me anything in the mail or called to tell me you did n't get the paperwork. They said the only thing to do is sign a consent judgement. I then had the FTC on the phone with a recorded conversation of them dening me the option to pay. And also me requesting to have the verification documents sent to me. They still did nothing. I have yet to get any verification and they went ahead and said that I denied the service papers to the court when I was never served with papers at all. I sent them a consent to judgement because they threatened me numerous times on taking my paycheck which is only {$350.00} every 2 weeks. I have never receivec any proof of the amount owed on this debt and have around 10 emails asking for the proof and them responding. With what proof to you need. I said bills transactions. They told me that it was around XXXX pages but will not send anything. I was tricked into signing papers for consents and confessions by them and this was all in a 2 month time frame. I even sent them a 20th email stating that I will pay a settlememt of {$500.00} with proof of the debt they denied a settlkement offer. This company needs to be stopped.
Consumer complaint received 2016-06-29
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (SC)

Paypal has in fact tried 3 times to debit my bank account..after i revoked my account information from them. ( because of illegal activity ) and ( fake tracking number from ebay ). also after i did a chargeback with my bank.and paypal refunded my money ... they retaliated against me..by revising my paypal account to show a negative balance and fowarded it to a collection agency to try to damage my credit for a debt i do not owe ... they did this after the fact,, a retalitory action against me for doing a charge back for money thats rightfully mine which they refunded to me ... for a failed ebay purchase in which i recieved a fake tracking number for the ebay item.
Consumer complaint received 2015-10-19
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Bay Equity LLC (TX)

On XXXX XXXX 2015, I filled out an application w/Bay Equity, LLC to refinance my home. On XXXX XXXX 2015, I paid {$490.00} to have my home appraised per Bay Equity, LLC instructions. The Lender notified me on XXXX XXXX 2015 that they had underwriter 's approval for my loan. Then, I was scheduled for 'closing ' on XXXX XXXX 2015. During the 'closing ' I talked to Bay Equity personnel 3 times at numbers : XXXX & XXXX ; while in the process of signing all relevant documents. At no time during this process did Bay Equity personnel cite any derogatory complaints concerning the funding of my loan. As of XXXX XXXX 2015, I have not received any official documentation from Bay Equity : As to why my loan did not fund? So I have made several attempts ( phone : XXXX ) ; ( email : XXXXXXXXXXXX & XXXXXXXXXXXX ) ; & ( certified mail : Bay Equity Home Loans, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ), to inquire without response. I initiated this action after recently ( via Internet ) becoming aware that under Federal Law, Bay Equity, LLC fail to notify me ( in writing ) in 60 days of my 'rights ' under the Equal Credit Opportunity Act after my loan # XXXX was disapproved without warning. End of Statement
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2017-01-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Resource Systems, Inc (CA)

Please see attached from the previous complaint I filed - # XXXX. I was not allowed a second response so I am filing another complaint. I was told my required payment was XXXX amount ( {$65.00} ) then, in another document that included intentionally reduced font, a second amount ( which was never communicated to me ). However, my insurance was billed ( they did not pay ) yet a XXXX amount - {$220.00} which i clearly did not agree to. By filing a medical claim in an amount in which I did not agree to, that 's fraud and a clear indication of the lack of ethics and desire of XXXX XXXX XXXX to fraudulently collect monies they are n't due and are n't owed to them. 

I am happy to pay what I legitimately owe - I will not pay what I do n't. I have a 30 year history of paying every legitimate bill with never XXXX late payment. My ethics are beyond reproach.
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (FL)

I recently requested a copy of my consumer credit report and I discovered that this creditor was reporting a debt that I do not owe. I researched this debt which was linked to residential address that I am in no way associated with.
Consumer complaint received 2015-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Columbia Recovery Group LLC (VA)

A XXXX/XXXX/2015 dated letter was received at my home in Virginia from XXXX XXXX XXXX regarding a lease from a California Military Base housing I stayed at during XX/XX/XXXX to XX/XX/XXXX. They said I owed {$4000.00} ( XXXX principle with 10 % interest ). This was the first time I seen/known of a charge and I have been in contact with the leasing office regarding other matters and they never mentioned I owed them money. My lawyer wrote a letter concerned this was fraud on Military Service Members. He requested an itemized list utilizing the right to dispute from the letter. No response was received and on XX/XX/XXXX the debt was reported with a lost of XXXX points on my credit report for the amount of {$4100.00} in collections. I still do not know what the debt is for. 
My husband was also on the collections letter, but was not on the lease.
Consumer complaint received 2015-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ORG GC GP BUYER, LLC (CA)

Debt inclulded in Chapter XXXX BK, collection agency will not accept and continue to collect debt. Some one use my name and information for a ticket and failed I was charge with a XXXX, something I was not aware of this happened in 2011 and I am just aware of this. So I am trying to clear my name.
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a XXXX year old woman suffering from XXXX XXXX XXXX called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told XXXX that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Saturday, XXXX XXXX I received an email from at Capital One Bank with the subject " Here 's the code you requested ". I called the number provided in the email. The woman said, " It was sent to all customers for security purposes. You 'll need a code the next time you log on ''. On Monday XXXX XXXX at XXXX I received an email with subject, " XXXX XXXX was added to your account ". Then at XXXX I received an email saying, " Your email was successfully changed ''. At XXXX another email saying, " XXXX XXXX was added to your account ". I called immediately only to be put on hold for a significant amount of time. The woman told me someone had changed the email to XXXXXXXXXXXX, which I did not authorize. She then said she would place a hold on my account. The next day, however, my mother received a call from XXXX in the " Security Dept. '' asking for permission to allow XXXX XXXX to take out a {$5000.00} loan. My mother was a signer on XXXX of the XXXX accounts. XXXX then called me, left me a voice mail asking to call her. I tried twice that day & left a voice mail with my name & phone #. I never received a call back. The next day, XXXX XXXX XXXX, I went to a Capital One branch, closed all accounts & opened XXXX Capital One 360 account. The manager XXXX, said I had to return the next day to transfer the funds. Thursday XXXX XXXX, I returned, he transferred money from all accounts, we called the security dept, spoke to XXXX who said I was all clear to create my online username/password only to find out later that day, I was unable to do so. Over the next 9 days I spent, trying to access my funds. Finally, last Fri XXXX XXXX a total of 9 hours 57 minutes on the phone, mostly on hold, I was able to access my new account. I logged in today & while on the Account Summary page I see XXXXXXXXXXXX with a link to update the email. XXXX, I 've never seen my personal info on the summary page. I 've just spent the last 43 minutes on the phone with " XXXX '' in the Security Dept who said when they opened up the Capital One 360 account they just transferred my personal info ( including XXXXXXXXXXXX ) from the " XXXX '' account. He claims he deleted the hacker 's email & nothing else was changed. Forgive me if I am not convinced.
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I decided to open a new checking account after receiving a promotional mailer from Capital One 360 Bank offering a free {$400.00} ( promo code = XXXX ) for customers that open a new checking account before XX/XX/XXXX and receive XXXX direct deposits of {$250.00} or more within the first 60 days. I called Capital One and spoke with a representative the same day because I pon completion, there was no direct mention of the promotion. The customer service rep told me the promotional mailer would be honored after I filled the requirements and instructed me to call them back. I went ahead and setup my salary payments for deposit into my new Capital One checking but when I called them back I was told that I only qualify for a free {$100.00}. I told them that I did n't want to open a new account and go through the hassle of changing my direct deposit information unless I was going to receive the free {$400.00} and I feel like I was intentionally deceived with only the bank 's best interest in mind. I think Capital One 360 Bank should honor the free {$400.00} promotion that was sent to me.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One/XXXX is reporting derogatory and inaccurate information on my XXXX and XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2013 and discharged. Please see attached filing.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today I received a prescreened offer from Capital One for a credit card. ( Reservation # XXXX Access Code XXXX ). This offer was very confusing to me as I am 1 ) XXXX ) 2 ) low income 3 ) have a low credit score and am not eligible for credit cards. I contacted the opt out phone number given by Capital and could not complete the process because the automated system inappropriately asked for my social security number and date of birth. This complaint is to have you stop Capital or any other bank from making offers to people who are clearly not eligible and to stop the credit card opt out company from asking for inappropriate information.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I submitted a previous request for information on my account. XXXX has failed to return my calls and did not address my concerns. She provided statements for only 1 of the accounts in collection but did not provide on the second account being collected on by : XXXX. I would have provided her this info but she never called me back. I need to see fees that were applied as well as how my deposit was applied to any past due balance.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: LEXISNEXIS (NJ)

This very small insignificant CRA typed the following verbatim response to the CFPB one month ago : LexisNexis Risk Solutions ( " LexisNexis '' ) responds as follows to XXXX second CFPB complaint against LexisNexis ( Case Number : XXXX, filed on XXXX/XXXX/2016 ) : In XXXX latest CFPB dispute, Case Number XXXX, he disputed that LexisNexis did not address his concerns in his initial CFPB dispute, Case Number XXXX. We apologize for any confusion we may have caused XXXX XXXX. The duplicate liens and addresses XXXX XXXX references are not being reported in consumer reports provided by LexisNexis. A copy of XXXX reports will be mailed to the address referenced in his complaint. 

If XXXX XXXX has additional concerns he may contact the LexisNexis Consumer Center at XXXX, during the hours of XXXX and XXXX EST Monday-Friday.
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

I fell behind on my mortgage in 2013 due to illness. I received help with the " Ohio Save the Dream '' program. Wells Fargo received the payment from the program and stated the amount received was incorrect. A check for {$15000.00} was sent to pay the mortgage through XXXX/XXXX/13, which is what was stated on my closing documents. Wells Fargo said they were only notified that the mortgage was to be paid through XXXX/XXXX/2013 and returned {$1700.00}, saying they are not permitted to apply more funds than what is allowed for a loan " saving '' through this program and that they were only told to apply through XXXX/XXXX/13.. I was n't able to get the mortgage caught up. Wells Fargo blames Save the DReam. Save the Dream says it was a problem with Wells Fargo. None the less, I lost my home and would like to rebuild my credit to be able to buy a home in the future. I have asked Wells Fargo to remove the negative reporting from my credit. They say they ca n't because the mortgage was behind ... but it was only " behind '' because they returned the funds. I do n't care about who is at fault. I just want the negative reporting off my credit.
Consumer complaint received 2017-02-13
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I got a phone call last week, the caller claim they are Wells Fargo Fraud department and I have a suspicious check that may be withdraw from my checking account. I ask the caller about the check number and withdraw amount because I written a check to the termite service recently. The caller reject me the detail information and keep claim this is privacy information. Then I ask them to send me an email to verify the information but also got rejected and claim they do n't have my email or other contact information. In addition, they ask me the date that I open my checking account which trace back to decades ago. Then I refuse to continue the conversation because the way they talk are very suspicious and can not verify my back account number and etc. I check the phone that leave on my cell phone, it is not a phone line on Wells Fargo bank. I also found out on internet that someone report the phone number is a scammer. Tel XXXX, The message on internet reflect they have been call many people who does not have WF account or business with WF and unable to prove their identity. I also go over WF website and found no similar number from them. Few days later, the termite company told me that my check is rejected even I have good balance on my checking account. I call the WF, they claim that the penmanship is unusual and check number is not consequent. I check my signature and there is nothing wrong and I had written XXXX dollar check to the car dealer without any problem. I am a former service member that is why I really aware identity theft. The way that WF fraud department did not mention any detail about the check on phone, they just threaten me the thing may ruin my credit rather than help me or the people who did my service. They claim it is not proper because it is a check pay to the business so the signature on the back of the check looks suspicious but there is nothing wrong for a person sign on the check back during the regular deposit. WF fraud department did not know what they are doing, they do n't even know how to clear a case rather than mess up the bank transaction. There are multiple messages on internet from 2015 claimed they are calling people randomly whether the person has a Wells Fargo account or not. They also leave a message in my phone with a case number but did not link with the Wells Fargo 's contact information that published on WF website related to fraud cases. Overall I did not receive notice like text or email before my check is being suspended and rejected, this is very rude and improper. WF fraud department just intend to interfere any transaction they want rather than verify the transaction is real identity theft or just general business. It does not give a credible source to verify they are not phone phishing or scamming and that refers to the general Wells Fargo customer service at all.
Consumer complaint received 2016-10-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

A merchant opened an account under wells fargo retail services when he mentioned that a bed was a trial basis and nothing would be charged unless i decided to keep the bed. He then ensured that the bed would be picked up and nothing would be charged. I monitered wells fargo and there was in fact an account opened and charged with XXXX. When disputing with wells fargo they took a long time just to tell me 2 days before the 90 day trial that i had to send the bed back if i wanted a refund. The issue is why did they open an account without my consent? Wells Fargo said I signed i said no they told me that was just to see if i qualified. i feel robbed. Now I have to pay for something that is not even woth XXXX dollars. I have never dealt with such type of business or bank.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (LA)

I have a credit on my Dillard 's credit card in the amount of {$93.00} that I was overpaid my on my credit card in cash. Dillard 's insisted that they have mail me a refund check for that amount in XXXX, 2016. Until XXXX XXXX, 2016, I initiated the contact about my refund, the employee stated that the check is already mailed out to me. I told them that I have never received the refund check. I called back on XXXX XXXX, 2016 on the same issue of my refund check, I was told that Dillard 's will mail me an affidavit form that I need to fill out in order for them to mail out the refund check again ( no one told me that the refund check that Dillard 's sent out was cashed ). I have waited until today, XXXX XXXX, 2016, to call Dillard 's back about the affidavit form that they said they will send out, this time the employee stated that the refund check has been cashed (? ). I told them that I never have received nor cashed that refund check. I have been told many different stories every time I contacted them about my refund check. This time, Dillard 's told me that since the check has been cashed, there is nothing they can do for me. Really? 
I want to know what is my right to demand that my refund be sent to me or at least get a copy of the check that has been cashed so I can find out who cashed that check. What can you do to help me? 
It 's not that refund going to help or break myself financially, but I want a better service from a credit card company than Dillard 's in this case. Thank you.