davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (KY)

I paid the original creditor, XXXX, in FULL, receipt # XXXX in the amount of {$670.00}. Enhanced Recovery Company, located in XXXX, FL has refused to remove this from my credit report. I am in the middle of a mortgage that is about to expire. After repeated attempts to have them remove this, I keep getting the same answer, " will not delete. '' This has to come off my credit report through all XXXX bureaus, XXXX, XXXX and XXXX because they are reporting this inaccurately. They sent me an email yesterday stating they would report it to the credit bureaus as " Paid in Full. '' Unacceptable. XXXX recalled the debt and I paid them directly, NOT ERC. If they fail to remove this IMMEDIATELY and provide documentation that it will be done as it takes the credit bureaus weeks to remove, I will lose my {$170000.00} home. If they will not remove, I will escalate this to Federal court, and sue for pain, suffering and loss of my home over a {$670.00} PAID IN FULL bill through the original creditor. They do not own the account, XXXX DOES. Contract on my house expires in a week, I have already spent weeks working on this, and Enhanced recovery refuses to remove for a debt they do not own!
Consumer complaint received 2017-01-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OK)

I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective XXXX no response for XXXX days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with XXXX XXXX Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. Please help me resolve this issue.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

I received a garnishment notice today at work from a lawfirm that is representing XXXX XXXX XXXX. I originally learned about a judgment from XXXX in XX/XX/XXXX, when I received a notice at my home. I immediately reached out to the firm to try and come up with a payment solution and they informed me that I would need to pay the entire debt. I also filed a complaint with the CFPB at that time but XXXX said the file had been handed off to the lawfirm. After I was served with the initial judgment paperwork, talked to the company, and filed the CFPB report, I did not receive any other communication about this debt at any point in time until today. I also have a credit alert to notify me of any changes to the credit bureaus. I do not understand how I can be served with garnishment paperwork if I was not even served with a default judgment. Further, the garnishment paperwork is stamped by the XXXX district court as received on XXXX XXXX, 2016 which is even more confusing.
Consumer complaint received 2016-04-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (KY)

Have received a collections letter from ERC collections with the creditor and original creditor listed as XXXX XXXX XXXX. I do not owe XXXX XXXX cable anything nor can their own support staff validate that this debt is legitimate or send any proof/documentation of its validity. This issue has already been reported to the credit bureau and my credit score has been negatively affected. This has caused me significant hardship in getting loans and now recently acquiring new car insurance.
Consumer complaint received 2015-05-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

My husband deposited checks for me at Key bank in XXXX NY using the drive thru teller. The checks never appeared on my statements and they just disappeared. I called Key bank at the location and they were not helpful and told me to call online. when i called online they told me to go to the branch. XXXX of the checks were from NY state and I had the stubs so I ordered copies of the front and back. They were drawn from a Key Bank account on XXXX/XXXX/2014. I cant seem to get anywhere with Key bank online or at the branch. I just tried to go online to check my accounts and I cant get on. I also noticed the security questions were none that I had chosen. Recently, I also got an email to fill out a survey for a XXXX NY branch which the survey said I recently visited. I never went near this branch. Where did my deposited checks go? Whose account has Key bank confused with mine?
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TCF NATIONAL BANK (CO)

Received phone call from XXXX XXXX XXXX ( XXXX ) and told that they were attempting to collect debt from bad check from 2002. Representative had the last XXXX of my SS # and my address. I was told that with fees and all, I owed {$350.00}. I asked if there was an office I could come to and pay and was told there was not. I asked where I could mail in a money order and was told I had to take care of it over the phone and if I did not legal papers would be filed and lawyers would get involved. I stated that I was not comfortable giving any account information over the phone and was told that I could call with a pre-paid credit card and pay that way, and I could settle the debt today for {$200.00}. I was also told that after I settled the debt, I would be mailed a letter stating that the issue had been resolved. When I asked for a case number I was told the system had just crashed and I could call back later for the number.
Consumer complaint received 2016-01-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK (UT)

I have paid my line of credit with TCF in XX/XX/XXXX. I called and asked for my account to be closed. I was told that I need to sent a fax, which I did. However, I had a servicing fee of {$50.00} assessed on XX/XX/XXXX for a balance of XXXX during XX/XX/XXXX. I called again and I was once again asked to send a fax. I did send a fax together with the following email ( to XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX ) : **** email copy***** Dear TCF representative, I, XXXX XXXX XXXX , would dlike to close my account XXXX. I have paid my loan and do not need the credit line anymore. I would like to ask ( per my conversation with XXXX customer service representatives ) that the assessment fee of {$50.00} be retroactively removed. 
Thank you very much and kind regards, XXXX XXXX PS The above was the text in the fax I sent on XX/XX/XXXX. I am not sure why things did not go through ( I do have the fax being successfully sent receipt ) **** end of email ***** Now I have a new charge in XX/XX/XXXX, once again of {$50.00} ( which they draw against my debit card with the threat that if I do not pay, I 'd have my credit score affected ). My balance continues to be XXXX as I have long repaid my mortgage.
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc. (HI)

XXXX accepted multiple accounts opened in my name by indetity theft. my name is XXXX and it was opened under " XXXX - a clear indicator this was not me. I have all the paperwork and police reports dating back to XX/XX/2012 when this started, however XXXX still has these accounts in collections which is effecting my credit. please help, how can i resolve? Can i send this paperwork for you to review? i can not reach anyone at collections agency to help me get this removed from my report
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (UT)

Synchrony bank failed to credit my payment of {$250.00} on XX/XX/2016. When I called them to discuss they were unwilling to accept my bank statement as proof that a payment had been sent to them electronically by my bank ( XXXX ). They were completely unwilling to work with me on getting this resolved. Currently the minimum payment due that I owe is {$110.00} yet I have now been charged 2 months of late fees and my credit score has completely tanked.
Consumer complaint received 2023-08-29
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. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (LA)

I received a bill for {$2100.00} from XXXX XXXX XXXX, XXXX a bill at XXXX : J.C.Penny Consumer. 
Original Creditor : XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
XXXX XXXX XXXX XXXX XXXX were threatening when I called their toll free number XXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (VA)

My Identity was stolen in 2020 and XXXX accounts were open via fraud. XXXX, XXXX and XXXX, all have been dismissed with prejudice in court and removed from my credit report. 

However, XXXXOPPSLOAN continues to report erroneous information on my credit reports. I've sent them the police report I filed and FTC affidavit certifying these accounts were opened due to identity theft. 

I'm attaching the information already sent to XXXX/OPPSLOAN and demand they remove this erroneous information from all credit bureaus immediately. 

I demand XXXX/OPPSLOAN provide the picture ID used to open this account. Signed contract, if Esigned, the IP addressed used per ESIGN regulations. 

Failure to provide this information is a violation on FCRA, FDCPA and UDAPP government regulations and may result in future court/arbitration actions.
Consumer complaint received 2023-08-29
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P. (SC)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such of debt, in fact therefore exists I do not recognize how this account is reporting on my credit report, I dont recognize the account, I dont recognize the account status, I dont recognize the high paid balance, nor do I recognize the late payments associated with it
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ONLINE Information Services, Inc. (FL)

In XX/XX/XXXX, I signed a XXXX year home residential rental agreement XXXX XXXX XXXX, XXXX, FL XXXX. I opened an account with XXXX XXXX at the same time. When my lease expired in XXXX XXXX paid the balance, to close the account, and moved out. Almost XXXX yearslater, XXXX XXXX XXXX sent my closed account to a collection firmwith a balance of {$280.00}. They never sent me a notice although I updatedmy address with XXXX shortly after moving.
Consumer complaint received 2015-09-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (CA)

I wrote letter to Wells Fargo Dealer Services dated XXXX/XXXX/2015 disputing my previous account with them regarding late payments. They are now playing games asking me with more information. I provided Wells Fargo with my account number. They should be able to find my account.
Consumer complaint received 2016-10-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (MA)

In 2008 I got behind on mortgage. After a long time Wells Fargo foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. Wells Fargo is coming after me for the difference.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (PA)

We started a home refinance and revolving credit consolidation with WFHM on XX/XX/XXXX and it did not close until XX/XX/XXXX, We were to have no out of pocket costs other than the home appraisal .Our interest rate was to be XXXX %. We were asked to submit account closure & remaining balance letters for all charge cards. We had originally not wanted to close the accounts because we did not want our credit score to drop. We were informed that if we did not close we could not refinance. Our XXXX day rate lock was set on XX/XX/XXXX and should have been plenty of time to close. Their was confusion with the loan tracker and was n't properly set up for both of us. Because of the confusion with the lone tracker we were unable to both get in to acknowledge our CD 's causing a delay. It took XXXX months to process our loan causing our Rate lock to expire and also our credit report expired. they charged us a rate lock extension fee along with other fee 's We had to resubmit all documents because they took so long in processing the loan. When the credit report was reviewed again our scores had dropped causing our interest rate to go up to XXXX % .The difference between the initial XXXX % that was offered and the XXXX % that we have now is approximately {$13000.00} over the 30 year life of our loan. We felt we were in very good hands dealing with the company that originally held our mortgage. Our confidence quickly faded .It felt as though we were not a priority .We had let those working on or loan know of our dissatisfaction.
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX, Wells Fargo put a hold on my account. No efforts were attempted to reach me. On XX/XX/XXXX, I visited a Wells Fargo branch and I was told that an executive business decision was made to close all my accounts. No explanation was given beyond suspicion of fraud. Interestingly, the same thing happened to my sister on Friday. Now Wells Fargo intends to hold my funds until the end of the month and I have no cash on hand to tide me till then. When I was told that my account was under investigation for fraud, I told them to bring in the cops and lay the evidence on the table and I will also provide evidence to clear my name but they did not respond to that. Wells Fargo has the right to decline to do business with me, just like I have the right to decline to do business with them but they have no right to hold on to my funds until the end of the month. In the judicial system, it is innocent until proven guilty and not the other way around. My rights are being violated and I believe I am being discriminated against because my last name indicates a different heritage other than U.S. 
If Wells Fargo believes that I am involved in fraudulent activities, I demand that they provide the evidence and If no evidence is found, I demand that I be compensated for emotional distress and violation of my rights. They can not benefit from doing business with my held funds and making money off it for the next 11 days. Also, they do not have the right to violate anybody 's rights just because they can. They are not the police, judge or jury. This is bad business practice and should be illegal. If any illegal activity is suspected, involve the law but do not damage an innocent person 's image in the process. 

Consequently, closing my account due to suspected but not proven illegal activities will have a negative effect on my credit report. This is America and this is a violation of my rights. We are not in a dictatorship. I invite Wells Fargo to submit their evidence and I look forward to clearing my name.
Consumer complaint received 2015-10-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo approved a loan modification for me in 2010. The untruths told to me about the process, the actual negative financial repercussions and a dire outcome on my home ownership are inexcusable. The entire modification process of homeowners who received this " relief '' needs to be investigated by federal regulators and remedies given to affected homeowners. I am in a worse position now 5 years later than I was before the modification.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (MI)

Upon graduating, I notified Wells Fargo to initiate repayment. {$55000.00} in private student loans became over {$75000.00} instantly as they added interest all the way back to day one. I did not know that this was going to happen. My payments between private and federal loans are {$1200.00} per month. I earned a XXXX degree in XXXX and bring home $ XXXX- {$800.00} per week. I can not afford to support myself in these circumstances.
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX MI XXXX Certified mail receipt # : XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Right of Rescission Dear Ally, I, XXXX : XXXX XXXX XXXX Original XXXX and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement I entered with Ally Financial on XXXX XXXX. 
I entered into this contract agreement with Ally Financial without 1 ). Full disclosure of my right to rescind ( 15 USC 1635 ( a ) ( f ) ) 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Ally Financial willingly and knowingly took advantage of me and my consumer credit. 
I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. 
In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$1000.00} } was needed to drive off of the lot. Pursuant to 15 USC 1605 a finance charge is sum of all charges. I was also charged incorrectly on the financed amount. If you use Retail Installment calculation you will see that an additional {$600.00} was included to the financed amount. The XXXX XXXX XXXX XXXX blatantly shows numerous items were included in the amount financed which is a violation. 

Reimbursement of all payments made {$22000.00} & Down Payment Reimbursement of {$1000.00} shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (MA)

I have had two scam/identity theft related issues to Barclay Card this calendar year. 

1st : My statement on my existing account with the company showed an address change to XXXX XXXX, XXXX XXXX ( I live in XXXX ) That was apparently changed back when I contacted the company. 

2nd : I received a letter trying to open credit card in my name. Reference number XXXX. 

I called it in a week or so ago but apparently someone is trying it again or whomever I called lost the information. 

I want the credit application quashed and better identity controls at Barclay Card Thank you.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.