davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I contacted American Express to let them know my financial situation had changed and I wanted to close the account and set up a 5 year plan with possibly no interest with automatic deductions from my account. At that time, the CSR told me that they could n't help me with that plan but to call in XX/XX/XXXX. I did, by this time I was 30 days late. I was told they could n't help me then and to call back in 2 weeks. I called in XX/XX/XXXX. I was now 60 days late. I was speaking to someone in a call center in another country where the English was horrible. I thought we had agreed to the 5 year plan at a very low interest rate with them deducting {$200.00} from my account. It was supposed to start in XX/XX/XXXX. I get a letter today from a collection agency that American Express has turned it over to them. I spoke to them and they claimed they could n't help me with a 5 year plan. I called American Express and they wo n't speak to me now. This is total abuse by a large credit card.
Consumer complaint received 2015-07-01
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: GVA Holdings, LLC (NJ)

Took out a payday loan and the loan has been paid back since XXXX 2015 plus interest, Payday lender still debiting account. I would like the payday lender to cease and desist from debiting my account, and return any and all funds back to my bank account paid after XXXX XXXX 2015. I 've paid this lender back XXXX so far. This lender also did not follow NJ laws for payday lending and interest rates.
Consumer complaint received 2017-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (VA)

I have XXXX direct loans ( XXXX subsidized, XXXX unsubsidized ) currently serviced by Mohela. On XXXX XXXX, 2016 I paid a lump sum of {$1000.00} and directed Mohela to apply the full amount to Loan XXXX, using their online payment system. The payment was applied to the correct loan ; however, my next monthly payment ( auto-debited from my bank account on XXXX XXXX, 2016 ) was not applied correctly - a small amount was applied to Loan XXXX and a larger amount was applied to Loan XXXX. 

I contacted Mohela when I realized this error and was told the revised allocation was because my account was in " paid-ahead '' status. I asked them to edit my XXXX XXXX payment and reapply it as it was supposed to be applied per my repayment schedule and also remove the paid-ahead status - I wanted my payments to remain as they were scheduled, just with a smaller balance on Loan XXXX. I was assured that this would be taken care of and would not cause any further issues. 

My monthly payments for XXXX 2016 through XXXX 2016 ( inclusive ) were applied correctly, but my XXXX 2016 and XXXX 2016 payments were again incorrectly applied. This time, a much larger amount than scheduled was applied to XXXX XXXX and a much smaller amount than scheduled was applied to Loan XXXX. I contacted Mohela again, on XXXX XXXX, 2016. Their response indicated that they did not quite understand the problem. 

Again, Mohela said I was in " paid-ahead '' status and that the additional payment that I made was used to satisfy future bills ( which is exactly the opposite of what I had requested when making that payment and what I discussed with them when I contacted them in XXXX 2016 ). The email response I received said, in part, " The paid ahead status on your account is causing your Auto Debit payments to apply to your XXXX loans differently than what is displayed on your repayment summary. We are currently researching a way to ensure that your Auto Debit payments apply correctly, based on the repayment summary. Once we have completed research on how best to implement this process on your account, we will send you a subsequent secure email on mohela.com. '' I find it difficult to believe that I am the only customer in the history of Mohela and/or the XXXX to want to pay down my loans and continue to have the monthly payments allocated as indicated on my repayment schedule. I also find it incredibly convenient on Mohela 's end to use this excuse - the goal in my paying extra on the loan is to reduce interest over the course of the loan, something Mohela has a vested interest in preventing. They show no interest in resolving the issue and refuse to re-allocate previous payments which were incorrectly applied.
Consumer complaint received 2024-10-20
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. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: INTEGRA SERVICING, LLC (NM)

Dear XXXX : On XXXX/XXXX/XXXX, I purchased a timeshare with the associated account # : XXXX. 
Due to a variety of factors related to misrepresentation, fraud and breach of contract I have chose to file a complaint through the Consumer Financial Protection Bureau. 
Please be advised that this matter is under investigation at the federal level through the complaint I filed with the Federal Trade Commission dated XXXX/XXXX/XXXX in order to resolve the issues pertaining to my sales experience with your company. My next course of action is to file complaints through the XXXX subjective to the state where the contract was signed, the state in which I reside, and the state in which your company operates. 
To resolve the problem, I am requesting general release from my timeshare ownership. Enclosed are copies of my records concerning this purchase. 
I am fully aware of the rescission period related to my contract ; fortunately that issuance within my contract is not relative to the fact my rights were violated at the point of sale. 
The following statements were issued to the Federal Trade Commission and now to the Consumer Financial Protection Bureau. Please be aware of each aspect of concern related to my cancellation request. 

1. The timeshare presentation was supposed to be 90 minutes ; I ended up being there for more than 5 hours. 
2. I was told that if I left the presentation that I would not get the same deal. 
3. I expressed multiple times to the sales rep that I could not afford the timeshare. 
4. I was told that I could sell the timeshare and sell it for a profit. 
5. The cancellation process of the timeshare was not explained to me. 
6. There was not a notary during the document signing ; the documents were taken to another room to be notarized. 
7. I was not aware of my rights for cancellation on this timeshare/contract. I never was explained the process and my rights to cancellation. 
8. They did not explain the documents that I was signing ; I was led to believe that I did not have to read the documents. The sales rep said " Do n't worry, just sign. '' I look forward to your reply and a resolution to my problem. Please contact me via direct mail at the above address.
Consumer complaint received 2016-11-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NC)

They have called me back to back in the same day after me speaking with the rep named XXXX. I just talked to him at XXXX pm on XX/XX/2016 and he called me back on XX/XX/2016 at XXXX. He is harassing me and I advised him of that he still calls.
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

My father called office of an attorney and spoke to a female. He said he called XXXX and just gave them acct number and she disclosed that there was a debt they were collecting with the amount and name of the company the debt was owed. They did not verify any information and my father told them is was fraud. They continued to collect on a debt after he had motioned it was fraud. They also stated call was recorded. I am filling a complaint since my information was given with out my consent. Who knows what information was disclosed. This is abuse. They also disclosed information to my bank and the letter that was sent to my bank who they assumed was my employer. My bank does not need to be involved in this matter and if they are attorneys they served the wrong company, ATTACHED IS THE LETTER THEY SERVED MY BANK AFTER THEY REALISED THEY HAVE MADE A MISTAKE.
Consumer complaint received 2015-04-03
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY (IL)

My credit limit is {$11000.00}. I want balance transfer {$9700.00} from {$11000.00}. But my credit card company told me I can only {$5500.00} transfer from that. But why? This is not mentioned in cardmember agreement. Also I called XXXX times but they do not give me reasonable reason. I say what is meaning of agreement. They told me I can transfer only 50 % of credit line. But this never mention any where in cardmember agreement. Actually they offered 0 % balance transfer for 15 months. Please see attached cardholders aggreement.
Consumer complaint received 2015-06-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bankers Auto Acceptance (CA)

I Bought a my car from a dealer I have had my car for almost 3 yrs. now. I have paid all my monthly payments without missing any of them. I am almost done with just XXXX payments left. My car got impounded due to parking tickets and got turned over to the fianc company. I have contacted the fianc company to try to come to any agreement to gain my car back. They have increased the number of months I " owe '' wich is not what I have in my contract which will end on XXXX 2015. I have tryed to call them and asked them for more accurate numbers and all they say is XXXX payments plus additional fees. I have actually agreed to the impound fees and late fee that I have gotten for a few late payments. All iam asking for is a more detailed explanation on the charges and see if we can come to an agreement in regards to recovery the car. Thank you for your Att.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (ME)

I am writing to formally lodge a complaint regarding an unauthorized XXXX account that has been opened under my name without my knowledge or consent. This matter was brought to my attention during a necessary security clearance check, and it has caused me a considerable amount of distress and inconvenience. 

Complaint Details : Account Holder Name : XXXX XXXX Possible Account Number : XXXX Address Associated with Account : No available but the agent said XXXX XXXX Texas Date of Account Opening : No available Balance reported : XXXX For your reference, I have been residing and working exclusively in XXXX and XXXX from the year XXXX until the present year, XXXX, as can be verified by my employment records and residential documentation. During this period, I have not authorized any third party to open a XXXX account or any other account on my behalf, nor have I opened such an account myself. 

I kindly request you to investigate this issue with the utmost urgency and provide me with a detailed report of your findings. I believe this to be a case of identity theft, and I am prepared to take legal action if necessary to resolve this matter and clear my name. 

In addition, I insist on the immediate closure of this unauthorized account, the removal of any associated charges, and the rectification of any negative impact this has had on my credit report. 

Please find attached copies of my identification, proof of residence, and employment records, substantiating my claims in this complaint. I trust that XXXX will treat this matter with the seriousness it warrants and act expediently to rectify the situation. 

Thank you for your immediate attention to this matter. I anticipate a prompt response, outlining the actions taken to resolve this issue.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Consumer Name : ( XXXX XXXX XXXX, Consumer Social Security Number : ( ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : XXXX XXXX Date XXXX ( XXXX {$120.00} ) XXXXXXXX XXXX  Date Opened XXXX ( XXXX {$120.00} ) Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Zakheim Law Group, P.A. (FL)

Back in XX/XX/XXXX my wages was garnished for a credit card debt that I had no knowledge of. I did not know about the debt until my wages was garnished. At the time of garnishment my employer gave me the contact information for the debt collector. I disputed the debt XXXX XXXX, XXXX. The garnishment was dismissed. Now, on XXXX XXXX, XXXX a motion to continue writ was filed by another firm. I did not receive a letter from them, XXXX XXXX XXXX, XXXX. until XXXX XXXX. I again filed a motion to stop the garnishment and also filed an exemption due to me being the head of my household. The debt does not belong to me and in addition to that they failed to respond to my dispute as required by the FDCPA. The debt also seem to be time barred because the case is from XX/XX/XXXX and I can only imagine the date that the account was opened or the last time they receive a payment from the person who the account belong to. The is company is violation FDCPA for trying to collect on time barred debt and for not responding to my dispute within the required time frame.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC. (NC)

I went into Kay Jewelers to make a purchase and resize a ring and while there, I was asked if I wanted to open a line of credit/credit card. Multiple times I said no, but they gave me lots of information and confused me and at one point, they said I had to give them my social security number. When I questioned them as to why they needed it, they just repeated to me that they needed it. I did n't know why they needed it and I was confused. I went back the next day with my daughter to cancel the purchase and repair, get my jewelry and money back they said that they needed my social security number to open a credit card. I again told them that I said multiple times, NO I did n't want that, but the manager said that I must have agreed.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

I hope this message finds you well. I am writing to formally request the removal of an old account from my credit report that is over seven years old. According to the Fair Credit Reporting Act, accounts that are more than seven years old should no longer be included in credit reports. The account in question is is XXXX XXXX XXXX, which was opened on [ Date ] and has been inactive since XXXX. I kindly ask that you investigate this matter and remove the account from my credit file at your earliest convenience. Thank you for your attention to this issue.
Consumer complaint received 2016-12-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Consumer Portfolio Services, Inc. (FL)

I 've filed a dispute with Consumer Portfolio Services regarding an account on my credit reports. I sent XXXX separate letters certified, however they claim that they never received my certified copies. I requested to proof bearing my signature that I owe this debt. I did not hear from Consumer Portfolio Services regarding my concerns. Based on the FCRA they are required to respond to each dispute requesting documents within XXXX days. I did not receive a response from the creditor, until approximately XXXX days later. 

I contacted Consumer Portfolio services in XX/XX/XXXX requesting signed documents and wanted to know why have I not received a copy of the contract. They then followed up with an email providing documentation. Upon reviewing the documents I noticed that the signature that they have on file is not my signature. 

I have been previously subjected to identity theft. I had a car dealer forge my signature, I took them to court and won that case.I have attached the court documents but due to non-disclosure, I removed the amount awarded and name of the dealership, but will say that the Dealer 's name on the contract submitted by Consumer Portfolio is an affiliate. The documents that Consumer submitted to me, looks identical to the signature that was previously forged by a car dealership. I have attached attached a copy of what my signature looks like as well as what Consumer submitted to be my signature. 

This is my last and final attempt to resolve this issue with Consumer Portfolio services. 
This account is only showing on my Equifax and TransUnion file. I sent this dispute to XXXX and based on their findings they removed the account. 

I will be be suing Consumer Portfolio Services along with the Dealership listed on their contract for XXXX of Identity Fraud. 
I have also attached copies of my police report concerning identity theft and Identity theft affidavit.
Consumer complaint received 2017-03-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST (WA)

I previously submitted a complaint on the Bank Of The West for not sending me information on my account including acknowledgement of my loan being paid off on XX/XX/XXXX and my not receiving the title to my vehicle which was Case # XXXX. The bank did reply after you contacted them however they have n't given me everything yet. 
After their original response I received another letter from them dated XX/XX/XXXX in which they stated that I will receive my Certificate of Title or Lien Satisfaction documentation in approximately 10 working days. Well it is XX/XX/XXXX and the 10 days have passed and to date I have not received the title to my automobile. I personally feel that they are purposely holding onto my title and I feel that they need to be taken to task over this and fined heavily for their total lack of competency. 
Their contact information is Bank of The West, XXXX., XXXX, CA XXXX and my paid up auto loan was XXXX
Consumer complaint received 2015-04-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE SOLUTIONS OF COLORADO (CO)

I got XXXX and was off work for a couple of months and we got behind on the mortgage so I wanted to do a modification and went through the process we sent in all our information and waited on their response. Finally we got a letter in the mail informing us that our mortgage payment has went up over XXXX dollars a month for the rest of the loan. Our payment went from XXXX to XXXX for the remainder of the loan. We were told to pay the new monthly payment or they will take home. After talking to many different people asking why our mortgage has went up someone finally told me that after looking at our finances they determined that we could afford the make the higher payment and if we could n't we would have to do a short sale or get our home taken. This is the WORST mortgage company in America!!!!!
Consumer complaint received 2016-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (TN)

The original bill was for {$89.00}. The late charges, fees, and collector fees has escalated this bill to {$440.00}. I called XXXX to ask if I could pay my bill on Friday, it was due on the Wed before. The girl I talked to said that it would be ok and she would mark it on my account. The next day my phone was turned off. I called to have it turned back on they said it would cost me XXXX plus the next month 's bill, costing me {$230.00}. It was never posted on my account that I called. I want to pay this bill, but I refuse to pay what I 'm being charged. I will pay a fair amount.
Consumer complaint received 2015-04-26
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: EOS Holdings, Inc. (CT)

EOS CCA has made excessive and numerous harassing phone calls to my employer, in violation of the FDCPA. They have used intimidation and fear tactics to extract private personal information from my employer. They have also caused undue harm and tarnished my reputation by use of their illegal and immoral tactics.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

i see a account that never was closed out number one number two i have a saving account that i really did not open and number 3 a whole bunch of open claimes that are being filed by the bank please take a look at my account as i am a victem as well i beleive