davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
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: CREDIT ACCEPTANCE CORPORATION (NY)

this company Credit Acceptance account ( XXXX ) has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my XXXX  credit report.
Consumer complaint received 2018-03-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

I initiated a transfer of XXXX to XXXX ( XXXX with fees charged to my credit card ) with Western Union. Transfer number XXXX. The transaction was put on hold by the Compliance Department at Western Union and they sent an email asking for a copy of a valid government ID and other personally Identifier information. I refused to provide this information becase western Union did not provide a secure way to send them this information. I think it is irresponsible from Western Union to ask for sensitive information via email, without an encrypted channel to protect that information. For that reason, I requested the transaction to be cancelled, but they are saying that they will only cancel it if I send them the documentation they have requested. Bottom line, Western Union is negligent and irresponsible, and their procedures do not make sense. They are risking their clients data by asking for sensitive information and not providing a secure channel to send that information. It seems that the information security department at Western Union is non existent or completely incompetent. I need my money to be refunded to my account without having to expose my information
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (IL)

XXXX. Paid off car loan, # XXXX on XXXX/XXXX/XXXX, {$8800.00}. Requested title to be expedited and sent to home address. I was told I would receive a letter followed by an email notifying me of tracking number. Neither were received. 
XXXX. Called XXXX XXXX US Bank, lender ) beginning approximately XXXX/XXXX/XXXX. I had several phone calls. ( I did not track the number until below. ) XXXX. On XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Informed " must be some mix up ''. Will send again. I agreed to call back with my mother 's XXXX account number in order that the title could be XXXX express overnighted. 
XXXX. XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Provided XXXX account # XXXX. XXXX informed that could only send to a XXXX office since it required a signature and I would not be home. We agreed on the XXXX office : XXXX XXXX XXXX, XXXX, IL XXXX. She said the title would be issued and sent by the end of business on XXXX and I would have it XXXX/XXXX/XXXX. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call to XXXX to XXXX inquiring on account # XXXX - with destination to the XXXX XXXX. I was informed no activity on the account. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call, to XXXX XXXX US Bank XXXX. XXXX with XXXX. I informed her of all of the above. She said they did not have a record of me calling back at XXXX to give the XXXX  information. I replied, " You record all your conversations. You are able to check. I have it here on my phone. '' I informed her that I NEED the title to my car ; that I have a buyer ; that I have already lost XXXX buyer. '' She has informed me " she will speak with her supervisor. '' I paid off this loan over XXXX weeks ago. I deserve to have the title to my car. US Bank will not release it. I have tried every remedy I know. The local branch has no authority.
Consumer complaint received 2017-09-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Retention Consulting Services Inc. (IL)

Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America has called 50 times in the past 30 minutes on XXXX-17. I am at work and they did leave one message on my cell phone. I pay this bill every month I am not behind. It was charged off, but in agreement to pay 10 % of the balance each month and I do just that. There is no need to call me 50 plus times in a row. I blocked their call just so my phone would stop buzzing since they call every 20 seconds.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

I completed a refinanc e in  XX/XX/XXXX . This refin ance paid in full a loan I had wit h    XXXX   XXXX   XXXX   at  XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX . Instrument number  XXXX  dated   XX/XX/XXXX  for  the amount of {$15000.00}. ln #  XXXX  date no satisfaction of lien or re-conveyance has been recorded to remove this lien from my title.   I have confirmed that  XXXX  acquired     XXXX   XXXX   XXXX   on   XX/XX/XXXX . Ac quired     XXXX   XXXX   XXXX  ,  XXXX   (   XXXX   ) i n  XXXX , DE.
Consumer complaint received 2017-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Chase checking account. 
At XXXX, XXXX XXXX, XXXX, my account was showing a positive balance of {$15.00} with numerous items pending from over the weekend. 
At XXXX XXXX on XXXX XXXX, my balance is now showing $ XXXX due to two items that caused the account to go negative and the two overdraft charges. 
Chases policy is that if the account is brought to a positive balance the same business day, the overdraft fees will not be applied. As I mentioned above, at the end of the day, the balance was positive. They took the debits out the following day and backdated the transactions to cause the overdraft. As soon as I knew about the overdraft, I deposited enough to bring the account to a positive balance ( except for the overdraft fees ). 
Chase has done this several times and debits the items when we are not given a chance to make the account current.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (CO)

Diversified Consultants Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : XXXX This letter is sent in response to a negative entry on my credit report posted by your company. 

I have not ever received notification from you regarding this debt as required by the Fair Credit Reporting Act ( FCRA ), Notice of Negative Information Provision Which is Part of the FACT Act 623 ( A ) ( 7 ). 
I was only notified of the debt and the account number with your company from a lender that requested my credit report. 

I am requesting that you provide validation of this debt and that you immediately remove this negative mark from my credit report as I was not notified as required. 

If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Colorado Attorney Generals office. 

Civil and criminal claims will be pursued. 

Sincerely,
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NY)

I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

THIS IS REGARDING LOAN NUMBER XXXX WITH XXXX XXXX. 
OCWEN MORTGAGE IS A PREDATORY AND DISHONEST MORTGAGE LOAN SERVICING COMPANY THAT PURCHASED THIS LOAN FROM GMAC MORTGAGE. 
IN THE MONTH OF XXXX 2017 I MADE 4 PRINCIPLE PAYMENT TO THIS LOAN IN ADDITION TO THE REGULAR MONTHLY. THEY EQUALED {$10000.00}. 
IN XXXX I MADE 2 ADDITIONAL PAYMENTS TO PRINCIPLE OF {$1100.00} FOR A TOTAL OF {$2500.00}. THESE PAYMENTS WERE MADE ON OCWENS CONSUMER WEBSITE AND WERE ALL DESIGNATED AS PRINCIPLE ONLY. 
THEY HAVE NOT BEEN APPLIED PROPERLY AND OCWEN HAS NOT REDUCED MY MORTGAGE PRINCIPLE BALANCE TO THE CORRECT AMOUNT EFFECTIVE AS OF TODAY. XXXX IS A PREDATORY MORTGAGE SERVICE CO MAMGED BY THIEVES.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

I signed up for a trial of the XXXX XXXX service on XX/XX/XXXX. Their terms state that there would be no billing if canceled within 30 days. Because I did not see value in the service, I canceled on XX/XX/XXXX ( and have an email from them confirming this ), but I was billed {$24.00} on XX/XX/XXXX. At this time, I logged into the Experian website and removed my credit card information, but then they somehow billed me *AGAIN* for {$24.00} on XX/XX/XXXX Fortunately I am very proactive about monitoring my credit card transactions ... I would imagine that there are many people who they're billing without authorization who never even notice. Whether it's intentional or due to ineptitude, there is zero excuse for a company of this size to be doing these kinds of things. Even more troubling is that I removed my credit card information from their site after the first unauthorized billing, so it's clear that they are continuing to store my financial information against my wishes. Please look into this. Also, please note that I have already filed disputes with my credit card company ( XXXX XXXX ) and will get the money back from them, so I don't need a refund but am instead hoping that you look into potential widespread unauthorized/over billing practices on the part of Experian. Thank you.
Consumer complaint received 2017-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

This is not mine they will not remove! AWA COLLECTIONS Address : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$500.00} past due as of XX/XX/XXXX. Status Details : This account is scheduled to continue on record until XX/XX/XXXX.
This item was updated from our processing of your dispute in XX/XX/XXXX. I disputed with them they are saying it 's mine but it is not! Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (TX)

In the months of XX/XX/XXXX and XXXX 2017, I made contact with NCC Business Services. Upon receiving payment for my collections they agreed to remove the collections from my credit. Since then they have NOT removed the item from my credit. Please pull up phone records with the company. I recently made contact with the company and they are still giving me the run around.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Five months ago, I opened an Advantage card with Citi,  because it was advertising a XXXX + XXXX mile sign up offer. The conditions were : 1 ) spend {$3000.00} in the first 3 months to get XXXX and 2 ) spend total of {$5000.00} in the first 12 months to get XXXX miles. 

The card was approved but the credit line given was {$1500.00}. I make about {$75000.00} annually and already have a Citi card with {$20000.00} line on it ( 3-year history, never made a late payment, never carried a balance ), while the total credit line across all the card is ~ {$100000.00}. I called Citi to ask for the increase, because no way one could meet the requirements with that credit line. I asked for the increase twice. Both times was denied. 

So, I had decided to make payments of my balance throughout the cycle ( in the middle ) to allow me spend more. My first payment was put on hold for a week or two which prevented me from using the card ( there is a bounced charged on the record to prove XXXX. 

I was very concerned about this 'set to fail ' scheme, so I called Citi on 3 occasions to verify my spending total to make sure I meet the requirement. I was told that I had by the end of XXXX to spend {$3000.00}. On the last of the 3 calls, I was told that I spent ~ {$3200.00} ( I later verified as {$3200.00} ) and that the XXXX miles would be credited XXXX when the statement is generated. 

As my last payment was put on hold this month yet again, I chatted with Citi ( on XXXX around XXXX PST ) via online chat and was told that the hold would be taken off in a couple hours. I had asked the representative about the miles, and yet was assured that they would be credited in a couple hours. 

Few hours later the statement was generated but no miles were granted. I called Citi in the morning of XXXX and was told that the spending requirement WAS NOT MET. No one would check the past records. It appears to me, that Citi representatives lied to me on 4 occasions about my spending. On top of the fact that the card was set to fail from the start.
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (ME)

Received letter from ERC, dated XX/XX/2018, in regards to XXXX. I requested an investigation to be conducted by XXXX, into the manner which my final bill was incorrect. I received a letter from ERC, stating the dispute investigation by XXXX, was complete, and forwarded to their office for collection. I did not receive any information, in regards to the prior investigation being completed.
Consumer complaint received 2018-03-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is a second request to Bank of America, N.A. but this time to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to answered my requests ). I've sent 2 letters in regard to Tax Forms I need to file my taxes. 

Note to CFPB : This is not a duplicate request. This is another set of Tax Forms I need.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

Comenity Capital Bank has filed fraudulent information on my credit report which showed up on XXXX. XXXX has been notified and a dispute filed on XX/XX/XXXX. They reported on XX/XX/XXXX a " new bankruptcy-Comenity Bank/XXXX '' This account was paid on XX/XX/XXXX and included in a bankrupty filing back in XX/XX/XXXX. Upon reviewing my XXXX XXXX report, Comenity 's falsifying information and reporting actions to XXXX resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of XXXX and Comenity.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

A computer glitch that was Transunion 's problem, not mines, caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally readded, and spoke to several representatives whom I have names and dates. These inquiries add a hardship and that my rights have been violated by Transunion.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: United Student Aid (USA) Funds (FL)

I went to XXXX XXXX Institute From XX/XX/XXXX to XX/XX/XXXX, during that time I was injured in a XXXX XXXX XXXX accident at the facility where XXXX XXXX was located. I have been declared XXXX since XX/XX/XXXX, my first XXXX XXXX. My XXXX has been being garnished since XX/XX/XXXX at over $ XXXX/month. I have tried through XXXX XXXX, USA Funds and XXXX to get my school loan discharged, with no luck. I have gotten statements from XXXX, from The Dept of Education and have been trying to receive a statement from The Florida Department Of treasury, as to exactly how much money they have with held from me over the past 7 or so years. And XXXX states I still owe over {$15000.00} on a loan that was originally {$6400.00} to start with. I do n't know what else I can do to get this loan discharged. I am permanently XXXX and $ XXXX/mo is not enough to survive off of. PLEASE HELP!!!! I am my wits end.
Consumer complaint received 2018-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had made a purchase online for a XXXX XXXX. the seller said to transfer the money through XXXX, I then send {$65.00} on XX/XX/2018. after the seller had told me that she had not received the funds and to send it again to another number, I told her I couldn't because on my side the money had been taken out. I then called Bank of America about my bank account and they confirm the funds had been taken out. after I was going back on checking the sellers page it was gone ... the next day the seller message me again that she had not received the funds. I then did not feel right and called Bank of America to file a fraud claim. they gave me the run around and said " we'll try to see what we can do and it'll take 10-45 business days '' after I asked " what do you mean " try '' '' the customer service rep. said. " if you initiated the transfer there isn't anything we can do '' which just made me feel unsafe with my own bank which I have been banking with over 10 years.The representative sure did not seemed surprised or like she would do anything else to help me resolve my fraud claim, I can not wait 10-45 business days for a response which by the sound of the rep looked like I wasn't going to be getting anything back. I have also tried to look through XXXX website and there is NOTHING about fraud ... or scams.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This company began reporting the account in collections in 2012. Fortunately, this company is neither licensed or bonded in the state of Texas to collect debt. By law, they are required to remove this account from my credit report
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (IL)

XXXX the customer service rep and XXXX the supervisor spoke with me and both were very rude and they keep calling me for something that is not my account and they have threatened me and continue to harass me at work even though I've asked them to stop calling me on my cell phone while I'm working which has not stopped yet. I've asked them to verify the account and I was told if they have my birthday then its me. Wow, they do no verification to verify if this is actually my bill they just keep calling and harassing me. I am being called at least five times a day. The number they keep calling from is ( XXXX ) XXXX. Hep to end these threats and harassment. Thank you,
Consumer complaint received 2017-09-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc (LA)

I have requested debt validation from this company on several occasions and never received it. I have never heard of AD Astro Recovery nor did I sign an type of contract with this company. I have tried to contacted them several times to resolve this issue with no luck.