davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (CA)

AllianceOne Receivables Management , Inc. is attempting to collect a debt that is erroneous and not owed. I have filed numerous complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX ( XXXX ), XXXX, XXXX, and XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the XXXX is considerable. AllianceOne Receivables Management XXXX Inc. is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. AllianceOnce Receivables Management , Inc. is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, XXXX. Court of Appeal 2nd District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate AllianceOne Receivables Management , Inc 's debt collection practices.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I submitted a dispute XXXX to challenge information on my credit report ; XXXX XXXX, XXXX and XXXX  to investigate and update all inaccurate accounts promptly, But all I got was a generic stall letter with no real updates or progress. I am reaching out to you in the hopes you can help resolve the matter.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (CA)

I place a call to PNC Mortgage in regards to a Loan Assumption. I told the loan assumption clerk that I will be retiring pretty soon and my income will be drastically reduced. Can my wife of 20 yrs assume the loan due to the fact that she has been making the payment for the last 10 yrs. I was told by PNC Mortgage Loan Assumption Dept., the only way my wife can assume the loan is either thru death or divorce per XXXX XXXX Guidelines. I contacted XXXX XXXX and inform them what PNC Mortgage Loan Assumption Dept. stated. / A XXXX XXXX supervisor TOLD ME THAT IS ENTIRELY UNTRUE, NOTHING IN THEIR GUIDELINES STATES THE ABOVE. My rights as a consumer was violated and I ask you to investigate this matter.
Consumer complaint received 2017-01-10
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (NJ)

Hello, I would like to file a complaint against PNC Bank. My loan officer for the process was XXXX XXXX XXXX XXXX # XXXX. As a first time home buyer applying for a VA loan I was unsure of what fees if any would be appropriate. When asking to put in a formal application I was told that an Application Fee of {$520.00} would be charged. I agreed as I was told that the Department was having a Special which ended that day, and I would need to put the application in to lock the lower rate. The day after I requested the application be withdrawn but was told I would not receive the fee back. 

I would first like to note that VA loans do not allow the veteran to pay an application fee. Secondly I would like to argue that this is a XXXX violation qualifying as unfair deceptive and abusive for the following reasons : Unfair 1. I sustained substiantial injury ( {$520.00} ) 2. The injury is not avoidable as it is necessary for the application 3. There were no counter ceiling benefits as I withdrew the loan. 

Deceptive : 1. I believe the Special they held was an attempt to mislead me 2. My interpretation wa that there was no other was to be approved for a loan without being charged such fees. 
3. The act was material ( {$520.00} ) Abusive 1. The act took unreasonable advantage of my understanding of the loan/ application process. 

I do know that it is encouraged for consumers to shop for their loans. I would like to argue that unreasonable application fees restrict consumers to do this. I was also charged this fee before receiving my Closing Disclosure and Good Faith Estimate. I would like to request my application fee be refunded and note unreasonable application fees a XXXX issue. Please investigate, thanks!
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX  account # 's 1.XXXX XXXX Acct # XXXX 2.XXXX XXXX Acct # XXXX 3.XXXX XXXX XXXX  Acct # XXXX 4.XXXX  XXXX XXXX XXXX Acct # XXXX Has violated my rights .

15 U.S.C 1681 Section 602A States I have the rights to privacy.

! 5 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-01-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Regional Adjustment Bureau, Incorporated (AZ)

XXXX XXXX of the Regional Adjustment Bureau XXXX has left messages with every extension on the directory that she is attempting to contact me to collect a debt. I have no idea who this person or company is or what they are trying to collect. She has been told repeatedly to quit calling this number. She was very rude and kept telling me to give her my birthdate and social security number. That is not going to happen. Please have her cease and desist.
Consumer complaint received 2016-09-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (MN)

Because I filled a CFBP complaint Paypal customer service is stating that they are not allowed to speak to me because I filled a CFBP complaint Case number : XXXX. I filled a CFBP complaint and not a lawsuit so it 's not clear why Paypal is behaving this way. 

Paypal customer service suggested I instead write to Paypal 's Legal Department with any question.
Consumer complaint received 2017-01-25
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Evergreen Financial Services Inc. (WA)

A representative of Evergreen Financial Services, who called herself XXXX XXXX, called my place of employment during business hours. Until this date, I had no prior knowledge of any outstanding balance. She was very aggressive and demanding that this issue be resolved. I told her if this was a valid balance owed, I would look into it and resolve the issue as soon as possible. She asked me questions like how much is my income, where is my current street address, which I do not give out to any stranger over the phone. She became agitated and kept repeating the same thing over and over, as if I were to resolve the debt immediately, meanwhile I am trying to conduct business at work. I have no problem clearing this debt, but with such unprofessional business practices, the last thing I want to do is send Evergreen Financial Services money.
Consumer complaint received 2016-12-13
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (MN)

I purchased a used XXXX on ebay. I 've made hundreds of purchases and sales on ebay and most of them used PayPal. This time was no different. Except when I got my credit card statement, they had processed it as a cash advance. I incurred fees and interest. It was not a cash advance. I called PayPal to tell them of the error. The customer service person told me it was my credit card company 's fault. I called them and they said the code that PayPal used to process the transaction was why it was billed as a cash advance, something my credit card company ( XXXX ) did n't have control over. So I had to call PayPal back. After escalating through a customer service agent and his supervior in the XXXX, I finally got " XXXX '' ( employee ID XXXX ) at PayPal. He claimed PayPal had no responsibility or control over how they encoded the transaction, saying it was up to the the PayPal user to configure what type of account they had. I think this is unfair. It cost me over XXXX hours of my time to get my fees refunded by the credit card company who did it as a customer service, even though they had done nothing wrong. PayPal took no responsibility and offered no compensation to me for an error they could prevent if they controlled their user 's PayPal accounts better. They should n't allow credit cards that are used to purchase goods on Ebay to be billed or coded as cash advances. I used to trust PayPal. Not so much anymore.
Consumer complaint received 2016-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

A few years ago I stopped paying my XXXX XXXX XXXX phone bill because my significant other stopped paying his half and I could n't afford to pay both. Eventually, I called and talked with a representative to see if I could make payments to pay it off ( since I was young and knew good credit is essential ). She told me I could n't make payments to them it would have to be the full amount and I expressed that I could n't afford it. So she asked me did I want her to go ahead and send it to a debt collector so that I could start making payment with them since that 's why I was calling in the first place and I replied yes. Months later I was contacted by a debt collecting agency. They sent me a letter in the mail I was n't surprised because this is what the representative told me would happen. So I called the number listed and we came up with a amount I could pay back and a payment plan where I pay {$75.00} until it was paid off which I did last year. I paid {$110.00} on XXXX/XXXX/15 and every month after that {$75.00} would automatically be taken out of my account. That was the agreement until it was completely paid off. Once it was paid in full ... .they stopped taking the money out of my account and I received my last letter from them saying it was paid and never heard anything about this debt again. Until recently I received another letter for the same exact debt which later popped up on my credit report. I still have a few letters from the debt company that contacted me and bank statements.
Consumer complaint received 2015-09-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Troy Capital, LLC (FL)

I have previously sent notice requesting additional information on this debt, to date I have not received anything from Troy Capital, but it remains as verified with the credit bureaus. I am requesting this debt be removed from my credit file with all bureaus since I was not properly given notice of this debt or the opportunity to validate or dispute this debt.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

My bank locked my internet account access, presumably after I tried to complete a new operation on XX/XX/XXXX ( transfer of monies to a friend in the US via XXXX ) which my bank blocked before proceeding to lock electronic access to my account. 
I contacted my branch, requesting them to unlock access ; they told me they couldn't do anything, and sent me to the phone number indicated on their internet webpage. I can't physically go to my branch, since I am currently residing abroad ( till XXXX ). 
I have tried this number ( XXXX ), twice and several weeks apart, the most recent ( and last ) today XX/XX/XXXX. In both cases, the call starts by being told that the wait is at least 20 minutes, and then the wait proceeds to be much longer than that - I gave up on the first call after about half an hour wait. On today 's call, the wait was 39 minutes before someone picked up the phone, only for the call to drop a few seconds into it. That decided me to file this complaint, I am done with this. 
It is obvious that their phone 'service ' is designed to fail, and keep people away. 
The outcome is that I have some XXXX $ on an account I can not access nor do anything about it ; not very far from legalized theft in my book ...
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Auto Advantage Finance, LLC (OK)

I had bought a vehicle from Express Credit Auto in XXXX. When we signed the contract, the salesman put a stack of papers in front of me and had me sign one after another without letting me read them. He said it was n't necessary because it was all standard paper work. I asked him if the Vehicle had a cutoff device, he said that they no longer used those devises. In 2014 I went through several months where I was having problems paying. Express credit said that they would put the payments to the end of the contract. Later I was at my brothers house and when I tried to leave the van would not start. I was 3 days late on the payment. when I called them they said I would have to make the payment plus a cutoff fee or they would n't turn on the van. That 's when I found out that the van had a GPS Tracker with a cutoff switch and that they had lied about the cutoff switch. I also found out that they could track every place that I went. They agreed to turn on the van but it would immediately disable if I made another stop. I was forced to go directly to the dealership and make the payment. I consider this a form of soft repo. Later I went and got a ledger of payments from them and on reading the ledger, I found out that they had closed the original contract that I signed and refinanced the vehicle without my knowledge or consent. They also showed on the ledger that they had returned {$6700.00} dollars to me during the refinance. I never received this money or saw a check made to me. They also altered they contract by adding a personal protection insurance on the vehicle in the amount of {$2300.00} without my consent which made my payments go up. I am now in the process of fighting them because they committed fraud by closing out the contract, refinancing, and altering the contract to their benefit. Also by telling me that the vehicle did not have a cutoff device with GPS. I feel that by tracking my vehicle everywhere I went, constitutes an invasion of privacy.
Consumer complaint received 2015-04-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lustig, Glaser & Wilson, P.C. (MA)

On or about XXXX XXXX XXXX I was notified of a letter from Lustig-Wilson and Glaser regarding a proposed debt they may have purchased from XXXX XXXX attached to my name. I reviewed the letter and exercised my right under the provision of the FDCPA to request a validation of debt. I sent a certified letter to XXXX on XXXX XXXX and it was delivered and signed for on XX/XX/XXXX. The letter included my request for signature of my original contract from the original client, copies of all charges showing signature, and copies all of statements so I can review this information to determine it all is correct regarding the amount they state is owed. I placed a call 4 days after the certified letter was received by LGW and spoke to associate XXXX to confirm that the request had been updated on my file/records. He could not confirm verbally that my letter was received nor had my file/records been updated with my request. I called back a week later hoping to get an update and spoke to a female who I can not remember her name nor did I write it down, but she also confirmed that there was nothing noted on my file/records that my letter had been received. I called again to LGW and spoke to a supervisor named XXXX on XX/XX/XXXX, 16 days after the letter was signed for and once again I was told that there is nothing noted on my account about my letter requesting the VOD. XXXX then informed me that a request has been sent to the original creditor for information but they do that for all accounts in their office. I asked to speak to someone who could confirm that the office has in fact received my letter and he said he is the supervisor and there is no one else to can help me. I am extremely upset that I exercised my rights to request the VOD and that an office of law will not confirm basic information to a consumer that they are trying to collect from. I honestly think this is a stall tactic and find it unacceptable. I have done my diligence to respond within the appropriate time under the FDCPA validation provision and I have copy of the letter, tracking and proof of delivery.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (NY)

AMEX sent me an offer for a 6.99 % reduced rate on my credit card purchases from XXXX/XXXX/16 to XXXX 2016. I signed up and accepted this but to date, AMEX has not applied this lower rate. I even received an email confirmation but still not receiving this rate. I called and spoke to a rep who did not have a good command of XXXX and she told me I am getting the rate but could not provide and evidence of me receiving this rate. I told her that she was wrong and she told me to write to AMEX. Attached is a copy of my fax correspondence and delivery confirmation Sent : XXXX @ XXXX EST and still not even a response. At this stage, I am due a refund by my calculations of over {$300.00} to date and this will only increase.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I would like to file a complaint against American Express Credit Card. I used them to make a purchase with floorstoyourhome.com, in the amount of {$1800.00}. 
American Express does n't stand behind their customers. We installed the flooring, but it buckles up. The retailer sent out his inspector who said the reason, because the subfloor is not even. When their inspector was here he never removed the floor to check out the subfloor. Did n't remove any moldings and came back with a false report. I hired XXXX independent contractors to do inspection. Both said the problem is not the subfloor. It is the merchandise, because the locking mechanism is defected. Finally I could talk to a customer service representative at XXXX XXXX ( the manufacturer of the wood floor ) who said the reason we are having a problem, because the underlayment what the retailer sold us is not compatible with the floor. XXXX XXXX even e-mailed me out the installation requirements, what they provide to all retailers. I forwarded that document along with the purchase receipt to Amex, which shows that floorstoyourhome.com sold me the wrong underlayment. I sent all the documents to American Express and they denied the dispute. They told us they are not even going to look at the proofs, pictures and documentations from our side. They are only talking to the retailer. The retailer only provided his inspector 's report and American Express accepted it as is. They did n't honor the other XXXX professionals inspection reports, the pictures and the manufacturer 's letter with the installation requirement. This is not fair that I have to pay for defected merchandise with the wrong underlayment. Also this cost me more since the floor had to be installed, I had to pay for the inspectors, we need to pick up the floor and underlayment and reinstall everything with the right underlayment. I did n't even counted the precious time I had to spend to arrange everything, communicate with Amex, all the letters, pictures, phone calls. 
Please look into this very serious and delicate matter!
Consumer complaint received 2015-11-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

I am a XXXX year old woman suffering from XXXX XXXX. MCM has made repeated phone calls to me collect a debt of my daughter-in-law. these calls continued despite the fact that my daughter-in-law has never lived with me nor used my phone. I gave MCM that information each time they called. as a result of MCM 's cruel tactics I have suffered severe mental distress. every time the phone rang I was overwhelmed with anxiety.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MI)

Received blue cash preferred from American Express about XXXX and started purchases on XXXX. Today received first statement with a XXXX $ assessed annual membership fee. 
When applying on line for ABOVE card I do not recall seeing any such fee. Have concluded using this card for the assessed fee. My charges have concluded with my two week and three days XXXX.
Consumer complaint received 2016-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MOHELA (NJ)

Hello, I am filing a complaint against my federal student loan servicer, MOHELA. My student loans have been serviced by MOHELA for a number of years now and I have consistently made my payments which has recently increased to {$780.00}. When I enrolled with MOHELA for online payments, I provided my cell phone number as the means to contact me and I have not changed that number, nor have I given MOHELA any indication that my cell phone number was not the best number to reach me at. I have called MOHELA from that number, as well as received calls from MOHELA from that number. On Thursday, XXXX XXXX, 2016, when my loan was only 21 days past due, MOHELA call my in-laws and left a message about my student loans at their residence. Of course my in-laws immediately called my husband to inquire as to what was going on and whether my student loans were behind, which is clearly none of their business. I immediately called MOHELA and spoke with a representative. The representative indicated that while my cell phone number was still listed as the primary number, that my in-laws phone number had been added through skip tracing. I was horrified that MOHELA would have gone through skip tracing measures on a 21 day delinquent account and when there was already a good number on file. I have never lived at my in-laws address, nor have I ever been associated with their phone number. I am in-house counsel at a mortgage company and I understand fully how this process works. My situation did not warrant the measures MOHELA took. MOHELA has violated the FDCPA by communicating with a third party about the collection of a debt without my consent. I demand that MOHELA pay me a civil penalty in the amount of {$1000.00} that I would be entitled to if I brought a civil action against them, which I would not hesitate to do. At this time, my student loans are current. The {$1000.00} can be applied towards my XXXX payment and the remainder towards my XXXX payment. I also demand that my account be coded to avoid any further skip tracing. Skip tracing is not necessary, the number I have provided is the correct number, and the status of my student loans is nobody else 's business but my own. I am a full time working mother and would like to avoid the need to pursue a civil action, but if this matter is not resolved as requested, I will not hesitate to file XXXX.