davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (TX)

I took out a small title loan on my paid off XXXX XXXX vehicle for {$2100.00} on XX/XX/XXXX. I was making the monthly payments on the loan and the balance never went down it keep increasing on a monthly basis. I was diagnosis with XXXX XXXX and I still kept in contact with them with updates on my health status. i also advised them I had lost m job due to the amount of time I needed to take off from treatment which they were also advised up. I continue to try and make payments and the balance still continued to increase with unreasonable interest and fees. Then there were issues with car that required very expensive repairs, Which I notified them of that as well, they made no attempts ts to work with me or justify the amount of fees and interest they had been charging me.The issues of my complaint as follows : 1 ) The car then had been repossessed with out any contact being made to me that that it was in that status or that that was the intent. 2 ) The cars value was {$9900.00} without after market accessories included prior to repairs. 3 ) I was never sent information or documentation stating they still was a balance added off {$770.00} 4 ) Reporting inaccurate information to the credit bureaus stating that this was a automobile loan, the last  payment being made XX/XX/XXXX, Account Closed XX/XX/XXXX. That there is a balance of {$770.00} still is owed. This information is severely hurting my chance of recovering financially after my heath issues. 5 ) A high balance of XXXX for a {$2100.00} loan
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

I have wrote Equifax on XX/XX/2019, XX/XX/2019, and again today on XX/XX/2019 in regards to hard inquiries that were not authorized and a negative account that all should be removed. It has been now going on 60 days. My disputes for the same issues however, with the other two bureaus have been updated and removed. Equifax is violating FCRA.
Consumer complaint received 2017-06-08
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: DISCOVER BANK (CA)

The account was opened without my consent. I want it removed immediately form my credit report. They are showing XXXX different reports to the credit bureaus. DISCOVER FIN SVCS XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days XXXX times Status Updated XX/XX/XXXX Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

This letter is regarding account #  XXXX , which you claim I owe {$280.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( o r ever had  )  some contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX    ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; the refore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/>  XXXX   XXXX
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

On or about  XXXX   2017- I wa s purchasing  XXXX  airticket at  XXXX   XXXX  While I was doing that - there is screen while booking the ticket that is very confusing and deceptive ( violating UDAAP ). That verbiage suggested that If I will apply for this delta skymiles card from american express today - I will be getting {$100.00} statement credit. Later when I checked my statements and also reached out to amex Customer service - it came out to be totally different situation. I come to know that one has to use this new delta skymiles card from amex to make delta eligible purchases to get {$100.00} statement credit - it 's very very misleading and confusing. How come somebody can use the card when they do n't have it in front of them??? Moreover  XXXX   XXXX  venture card - reveals the physical card details after applying for that via the capital  XXXX  mobile wallet app. I had  XXXX  Credit Card from  XXXX   XXXX  - that gives you the details of the credit card immediately after approval.   Amex or  XXXX  - did nothing like that. If they ca n't have the mobile wallet kind of app - at least they can use the usersession to record that transaction as if it is made using the newly approved card. Or they can provide a https page with all the details and have extended securing mechanism ( like secret question or multi factor authentication to validate the customer ).   It 's clear violation of UDAAP. Why one will apply for the credit card ( and  XXXX   XXXX  the  credit score )  when they cant ' avail the benefits at that moment or get the reward? This is deceptive, misleading and false advertising by amex. Why Amex think that somebody will pay {$95.00} annual fees for a card which has so much misleading, deceptive and false wordings and that 's how it seems Amex is making money. It seems Amex somehow wants to open the credit card accout via false advertizing and with annual fees. This way they can capture bigger market share with providing any value to the user. Amex is tricking people to open the credit card which has annual fees also to make money out of them. This should be stopped. No other credit card issuers are involved in this kind of UDAAP violation.
Consumer complaint received 2017-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (GA)

This letter is regarding account #  XXXX , which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  XXXX  or ever had  ) so me contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; ther efore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et seq., t his Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> Sincerely,
Consumer complaint received 2017-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

In  XX/XX/XXXX I took out a loan on my home with  XXXX    XXXX   for {$310000.00} and made all the payments on time until  XX/XX/XXXX that they convinced me to request a free no charge loan modification with the Federal Government, the HAMP Program. I sent in the required loan modification documents signed and notorized and they have never returned the signed copy by them. They have mis-applied all my payments made to Principal and the present balance of my loan should be down to about {$200000.00} with the obvious decrease in monthly payment amount. They reply that they refuse to answer my questions. The alleged " servicer ''  Caliber Home  Loans has acknowledge the " errors '' made to my account but refuses to audit the loan from the beginning since they have been modifying and changing the running balance and know it. The evidence in all the different amounts they claim are owed which is simply an accounting error on their part. They have never applied my payments correctly to Principal nor given me a signed copy of the modification agreement as you can see yourself. Please get the competent authorities involved and I have a right to be a part of any and all insurance and pooling and servicing agreements. They have used my signature to take out a line of credit secured on my home and this is fraud.
Consumer complaint received 2017-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (LA)

I has been a problem with quicken since we started the mortgage with our escrow payments. They analyzed my escrow account within 2 months of my loan started and they said because we live in the south they were doing us a favor so we would not lose our home to forclosure. As a real estate agent I 'm fully aware on how escrow account are done. It has been more tha n four y ears and still problems with my escrow. Today I received a bill for  XXXX  mortgage payments when my payment had already cleared my bank. They seem not to be working in a matter that is in compliance with the law and also very discriminatory comments on there service advisor part when I asked to speak to a supervisor none were able to answer my questions.
Consumer complaint received 2017-06-10
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: EQUIFAX, INC. (TX)

It 's been well over a year now, and I 'm still battling with Equifax and   XXXX   to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and th e CEO 's  and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Consumer complaint received 2021-02-17
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. (TX)

I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! Violation of Fair Credit Reporting Act. 
TRANSUNION XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Oakridge Direct Solutions Inc. (TX)

I continue to receive phone calls that are automated requests seeking debt collection for my sister. My sister does not live with me in  XXXX , TX. I initially passed this information along to the collection agency, but they have n't stopped calling me. The latest phone call was today,  XXXX   XXXX ,   XXXX  , and I receive about  XXXX  calls a week unless I call back to complain. Then they do n't call me for another  XXXX  weeks before it 's   XXXX   times a week until I call them back, repeat and do it again.     The phone number calling me is  XXXX   XXXX . The lawyer in charge of this account is named  XXXX   XXXX . He is a smarmy  XXXX  who thinks that since an automated system is calling me, and not  XXXX   XXXX  himself, that he should n't respond to my requests that he stop harassing me.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (GA)

I agreed to pay the debt for a settlement amount and it was agreed that when I made the payment I would receive two documents : one was a receipt of payment and the other was a loopy of s letter requesting the debt to be removed from my credit report. This was told to me multiple times by manager XXXX XXXX. After I sent in my payment I received my receipt and XXXX told me to give him XXXX business days and he would have the second document. Well XXXX weeks have passed and I havent received anything and they beat around the bush and give me stories on why i cant get it but its easy to validate because the calls are recorded which is my proof of what was said. The day I was told this was XX/XX/2019 2019
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

1. My mother is in the beginning stages of XXXX and is XXXX XXXX. I get financial help by State of CA, IHSS. Because she has recently lost the ability to eat or drink, I now have to XXXX to XXXX her thru a " XXXX XXXX '' that goes directly to her XXXX since XXXX XXXX XXXX. This is much more time consuming as well as expensive and the state employees informed they would increase my hours. However, this took many months and so they paid me retroactively for the previous time. The money was split into four different checks ; each about {$950.00}. In an effort to expedite payment to me, the state rep told me they would pay my mother XXXX XXXX directly for the retroactive amount, then continue to pay me directly with increased hours, even though this money is actually legally money I earned from the State of CA, IHSS.
<P/>
2. I deposited these checks into my Chase Bank account on Friday, XX/XX/XXXX expecting the checks to clear on Tuesday, XX/XX/XXXX. However, because the checks were in her name, Chase did not release the funds.
<P/>
3. I went to my local Chase Bank branch on Tuesday, XX/XX/XXXXand explained the above to the branch manager XXXX XXXX. He called the appropriate Chase reps and explained the above.
<P/>
4. The reps told XXXX that if I bring my mother in with two forms of ID, they would release the funds.
<P/>
5. I then went to pick up my mother, XXXX XXXX and came back to the bank with her, in a XXXX XXXX, and the appropriate ID ; a CA state issued Drivers License and SS card as well as credit cards in her name.
<P/>
6. The rep, XXXX, then informed the reps telephonically that he had verified her ID. He then informed her what was happening and asked her permission. She shook her head yes. The reps then indicated they would release the funds.
<P/>
7. On Wednesday,XX/XX/XXXX, after the funds were legally released into my account, Chase Bank branch manager XXXX XXXX took it upon himself to transfer the remaining balance from my account back to my mother 's account with no permission from myself or my spouse XXXX XXXX, who shares my account. My mother 's account was overdrawn by approximately {$260.00}. By transferring the money without my permission, I paid the overdraft fees which we were planning to pay later with different funds.
<P/>
8. Chase Bank branch manager XXXX XXXX had no legal right to transfer any funds from our personal accounts. If Chase Bank does not do anything about this, I will seek legal recourse.
Consumer complaint received 2017-06-08
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: BARCLAYS BANK DELAWARE (CA)

I have been working with Barclay Bank Delaware, XXXX XXXX and XXXX on a credit card account that was initially all issued by XXXX XXXX. XXXX XXXX sold off the credit card account to Barclay Bank Delaware. XXXX is in the mix only because XXXX XXXX transferred student loan to XXXX and the rewards program for the credit card directly credit the student loans. <P/>XXXX XXXX sold off the credit card account to Barclay Bank some years ago and the rewards program stayed mostly the same. Rewards were able to be credited to a specific student loan not to the whole overall account with several loans. Also rewards could were earned at roughly the same rates. In XXXXX 2017  Barclay and XXXX XXXX shut down the rewards program and forced me into a rewards program that has less than half the capability of rewards and removes the ability to credit rewards to a specific loan. I demanded to see the original contract I signed with XXXX XXXX and Barclay can not produce it. HOW DO YOU RUN A CREDIT CARD ACCOUNT WITHOUT HAVING THE ORIGINAL CONTRACT? <P/>What it comes down to is that Barclay will not honor the original contract with XXXX XXXX, Barclay will not honor their assurances that a customer can credit rewards to a specific student loan, and Barclay will not honor their assurances that a customer can apply rewards to the principle of a loan. This is a thoroughly disreputable organization and I will take my complaints every direction I can.
Consumer complaint received 2019-05-14
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: ATG Credit, LLC (IL)

This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX  supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address XXXX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Consumer complaint received 2019-06-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has repeatedly taken money from my savings account to offset an account that was closed over a year ago. In XX/XX/XXXX, before opening a new account I went into a local branch to pay what was owed. It was an amount under {$100.00}. I was told by the man opening the new account that because the balance was small he would forgive it and open a new account. Everything was going fine until XX/XX/XXXX when Wells Fargo started debiting my savings account whenever there is enough for them to take {$30.00}.

Every time I have transferred money in my savings to avoid their monthly fee, if I leave the money there they take it. So far my account had been debited twice for this. After the first time I contacted them explaining in great detail why I was not to be debited anymore. I gave them dates, times, and names ; they first responded by explaining to me what offset means. They investigated finding that the employee who helped me no longer worked for the company ; not that it matters regarding this. I had to write corporate several times. They never did any thorough check to see why a year later this happened. I was credited the amount. Never was it explained why a year later I was debited in the first place. I was assured it was a mistake but the same thing happened again the very next month.