davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP (GA)

They have also called friends of my family multiple times leaving messages. Showed up to my grandparents house and disclosed my debt to my older brother. Showed up at my aunts house and told her that they were told she was my mother. Sent a letter to my grandmothers address XXXX and I live XXXX. They have trespassed multiple times on my grandparents and aunts property that have NO TRESPASSING SIGNS on both properties and they have showed up even after I contacted them telling them that I do n't live at either of the residents. They are continuously calling and leaving messages telling my family and friends that they need payment or my collateral. I worked for a XXXX company so I know my rights as a consumer. What they are doing is against FDCPA and CFPB. They disclosed to my brother that I needed to pay {$75.00} and also gave him a letter to give to me. They have harassed my family and friends so much that my family and friends are also going to be filing a complaint with the CFPB. And it is all over a {$370.00} loan. Ridiculous.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I pulled a copy of my credit report and identified credit inquiries that are are in error. I have sent XXXX certified letters along with a copy of my ID, SSN, and residence proof to which Equifax sent me a letter stating they needed a copy of my ID, SSN, and residence proof which was previously submitted with my original requests. I called numerous times to the credit bureau attempting to resolve this only to be hung up on, not transfered to the correct department in which I asked to speak to, had representatives be verbally abusive and rude. I filed a complaint only to get a response back stating that the inquiries reviewed and of factual record. This is not accurate as how can something be reviewed and I am given a response back in 24 hours. I also sent letters to the creditors only to have most of which returned due to the address being incorrect on the credit report that is listed. Furthermore the other XXXX Credit reporting agencies have deleted the following inquiries because the following credit inquiries were not of factual record. i have no business with these inquiries and a fraud alert has been placed on my credit file, however the following inquiries have not been deleted from Equifax but have been deleted with the other XXXX credit reporting agencies. XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX CC XXXX/XXXX/XXXX.
Consumer complaint received 2016-11-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I visited XXXX on XXXX XXXX, XXXX, my insurance company, XXXX paid the claim for this visit on XXXX XXXX, XXXX. XXXX XXXX XXXX contacted me about the payment and I submitted my ins. docs to them for verification of payment and I never heard anything back. XXXX XXXX I receive a letter from Transworld Systems INC claiming I owe {$970.00} which is and additional {$340.00} on top of the {$620.00} that my insurance company already paid XXXX XXXX XXXX. I disputed this claim an I provide TSI the same verification that I sent to the health center, but on XXXX/XXXX/XXXX XXXX sent a collection notice to the credit bureau now my credit score has been effected.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NJ)

its been three or four months and I was told that in XXXX the funds will be transferred to my account and that the company would communicate with me via email although they have made no communication with me via email I have experienced a incredibly serious financial hardship due to the unwarranted freeze on my account this resulted in the company with holding over {$1100.00} The linked bank account that was associated with my account at Square is no longer active and I would like to update that information however Ive been unsuccessful at getting in touch with anyone who is willing to work with me to solve the issue every time I speak to someone there they tell me that somebody will email me Ive even provided them a secondary email address and Ive made about six calls regarding this with the same response promising an email that never comes. 

Square does this to lots of small business owners when they open an account and I have spoken to many people who have dealt with the same issue square is redlining and is unscrupulously operating without ethics and morals I am a small business owner who was a victim in a Ponzi scheme and I really would just like my money back as I cant even my bills and every dollar helps
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo closed my checking and savings accounts on or around XX/XX/2017. They did not provide a reason for doing this. Further, I had no reason to suspect the bank would close my accounts, since I never violated the bank 's terms and conditions. I never bounced a check and I 've never done anything to warrant the bank suddenly closing my accounts without providing me the consideration of an explanation. As a result my other bank, XXXX, charged me {$15.00} for a failed ACH transfer that I attempted on XX/XX/2017. When I visited Wells Fargo this afternoon to collect my account balance of {$5600.00}, the bank employees told me they were unable to give me the money. They told me I would have to wait until their " back office '' released a hold on the accounts.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PROFESSIONAL COLLECTION SERVICE, INC (AZ)

I spoke to Professional Collection Services on XXXX/XXXX/15 at XXXX XXXX and upon calling I was rudely answered with a " Hello '' and than proceeded to be asked " How I got this number '' I advised the Lady that it was on the letter they sent to me regarding a debt for my wife. She sighed and very rudely asked my account number. The call proceeded speaking about my wifes debt and she never asked who I was, verified any piece of information and disclosed everything to me about my wifes debt not knowing who I was. She than stated that I could not contact the client directly as it was placed with them and they would n't speak to me. The lady was rude and very abrasive when I asked about a Settlement and I told her I did n't appreciated her tone and I would call later and hung up. 
I called back later in the day but Recorded the entire conversation this time. Again they failed to verify who they were speaking to, never gave me their name, their company name. I asked how the settlement was determined and she told me " It does n't matter how we determine it, Im in collections and she does n't even have to give me a Settlement '' I was also informed on my second call we had another account in her office for {$4900.00}, in addition to the {$630.00} debt I was calling about. I asked her about the other debt she said they sent VOD to my address I advised I never received it and would like to dispute and see proof. She got very upset said she would send it again, but that since it was n't on my credit report she was going to Re-Report it to my credit since it is a sizeable debt. 
I have worked in collections for many years as a manager and trainer and this is by far the Worst collection call I have ever heard, countless laws were broken and this agency needs to be reprimanded for their unethical collections.
Consumer complaint received 2021-07-14
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 — Was not notified of investigation status or results
Company: FORD MOTOR CREDIT CO. (TX)

This is a formal complaint against Ford Motor CR located in XXXX, NE. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Ford Motor CR has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2016-11-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (IA)

I received a letter from Transworld systems Inc. TSI ; XXXX XXXX XXXX , XXXX , PA. XXXX ; Phone XXXX. 
This is supposedly a debt collection agency trying to collect a {$22.00} debt owed to XXXX XXXX XXXX. I have no debt to this organization and when I XXXX XXXX., I got more than one company listed. When I XXXX Transworld, XXXX would not load their page because of an Unsecured website. 
When I called the phone number Transworld had in this letter ( XXXX ), I received a voice recording stating the person I at the extension I dialed ; XXXX is unavailable. Suspect this is a scam and will not make payment on something I can not identify or verify.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NC)

In XX/XX/XXXX XX/XX/XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from Midland Credit Management. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love XXXX out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by midland credit management business practices says it 's verified, but no evidence was ever or has ever been given. LOVE XXXX CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

I 'm filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I have contacted HSBC and XXXX on several occasions asking for verification of this debt. XXXX just states that they verified the information and it is correct. I asked XXXX to provide me with the information verified and I am told that it is the information on my credit report. I have sent letters to HSBC asking them to please provide information on this account as I believe the account is too old to be reported. HSBC has not responded to my request. I have made attempts to call HSBC but they have their telephone system set up to require you to provide your credit card number or social security number. I have attempted to use my social security number but it does not recognize my information, not allowing me to speak with someone from HSBC to resolve my concern.
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NC)

I purchased airline tickets using American Express Gold Card, co-branded XXXX XXXX. The website says I would get XXXX points ( Membership rewards ). https : //www.americanexpress.comXXXX Then I noticed I only got credited for XXXX instead of XXXX. I called American Express and they said it was because I have the " XXXX XXXX Card '' not the normal Gold Card. I asked where on the website it said this, and they could not provide any information. The agent said that that information is in the cardholder agreement. So after I got off the phone, I downloaded the cardholder agreement, and it does n't mention Membership Rewards AT ALL. So at this point, I got bad information from the website, followed by bad information from a customer service representative! 

It is of course possible that I was mailed something in the past describing this, but I do n't recall it. I think it is deceptive to have one thing on the website, and then do another, and I also think that card companies should be required to make the details of these point programs available to cardholders online. 

I love American Express as a company, and if the agent had offered to take this up the chain vs. contact CFPB, I would have done that -- I told him that I was going to download the agreement, and look, and if the information was n't there, would contact CFPB. I asked him whether he was certain the information was there on the points accumulation -- he said yes.
Consumer complaint received 2016-09-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

Hello and thank you for your time!! I am a XXXX year old XXXX currently approx. {$140000.00} in student loan debt with a monthly payment of {$1500.00}. I have made multiple attempts over the years to try and lower my monthly payments and have also tried to refinance and consolidate my loans, and have been unsuccessful in every attempt. My loans are private and thru Navient and XXXX XXXX. Do you folks have any advice or help to offer? Thank you so much!
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (ID)

I am submitting this complaint for my Client XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Id. I am her XXXX XXXX XXXX with XXXX XXXX XXXX in XXXX Id. I have sent you a complaint previously about Wells Fargo and their handleing of the short sale. There is a Foreclosure Sale date set for XXXX XXXX, 2015. They have had an offer for some time and keep asking for more documents. I was just told by Wells Fargo Customer Service another appraisal or BPO was ordered. If the appraiser is very far out there wo n't be enough time to work the offer. Wells Fargo approved on offer for {$180000.00} and I have a full approval letter to close but the buyer 's lost their financing. Then Wells Fargo ordered a BPO and it came back at {$200000.00} just a few months later. The property In XXXX, Id did not increase in value {$29000.00} in just a few months since the seller has not done anything to the property. I believe Wells Fargo is stalling so they can foreclose on my client. I believe Wells Fargo has caused her undue harm and stess in this situation. If they can accept {$180000.00} once I do n't understand why they are not accepting the offer they have for {$180000.00}. Please check into this file. The processers who is assigned to the file is XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Please for the customers sake check into this matter. I believe Wells Fargo is not keeping the customers best interest in mind and they are not trying to help their customers. Thanks XXXX XXXX XXXX
Consumer complaint received 2015-07-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America incorrectly applied my payment to a credit card account. There were XXXX payments made in a billing cycle XXXX 2015. The XXXX payment of {$300.00} was made XXXX XXXX, 2015 and correctly applied towards the monthly minimum payment of {$81.00} and the lowest APR balance. This balance of {$7200.00} was subject to 0 % APR and represented the entire amount of debt on the account at the time. The XXXX payment was made on XXXX XXXX, 2015 for {$1300.00}. This entire amount of the XXXX payment should have been applied towards {$1500.00} of purchases posted between XXXX XXXX and XXXX XXXX, 2015. Unfortunately, Bank of America applied the payment incorrectly splitting the amount between the lower and higher interest rate. This resulted in an interest rate charge of {$9.00} against a balance of {$640.00} for purchases subject to the higher interest rate. If the payment was applied correctly, the balance subject to the higher rate should have been {$220.00}. I contacted Bank of America to resolve and they claim they applied the amount towards the lowest APR in accordance with Federal Law. This is NOT what the law prescribes. That only applies to the minimum payment amount and any amount above that must be applied towards the highest balance. 
I request you assistance on XXXX matters : 1 ) assist in getting the Bank of America to correctly apply the XXXX payment to reduce the balance subject to higher APR as this effects the next months bill and 2 ) assist in getting Band of America to refund the incorrectly charged interest.
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

I 'm having a problem with Navient private loan XXXX. I 've submitted XXXX XXXX application to have this loan discharge because I do n't have any income. To no avail they continue to decline my request. I had no problems getting my Federal loans XXXX but XXXXNavient private suggests that I become delinquent rather work out a plan. I 've recently ask if they could defer my payment for a year are so until I have XXXX income.
Consumer complaint received 2016-07-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XXXX different occasions, mortgage payments in XXXX different amounts were attempted out of my bank account, not my husbands, whose name is on the mortgage. Bank of America, Mortgage Company, attempted to collect XXXX different times of {$770.00}, which is no the mortgage amount out of my checking account, and caused a surplus of overage and fees. Because the mortgage is in my husband 's name I could never speak with them directly, I had to wait for XXXX months before they would grant me access to speak with someone regarding our mortgage. I submitted a letter, scanning, mailing and faxed, regarding the amount charged to my checking account due to their unfair practice of submitting ACH transactions to my account. My account was abused so much, I had to have the bank to place a hold on account, which caused me to open another account to perform banking transaction out of.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America refuses to report my BofA CREDIT CARD XXXX with them as paid off to the credit bureaus. they also refuse to report the credit history of this account to the XXXX major credit bureaus. this has hurt my credit and caused me damages. I have spoke to the XXXX major credit bureaus but they say they are not at fault because they can only report what Bofa sends them.
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

TO WHOM THIS MAY CONCERN ; Filing a complaint against bank of America ok I open a account with them and I had someone pay me back in a money order and I deposit it in my account like a regular person would ok come to fine out with a letter in mail they sent me that the money order was fake I did n't know that so they put on my credit history fraud for that situation that happened and know I cant open no kind of bank of account and I believe that was n't my fault if you accepting a payment from someone I have XXXX kids I have too take care of and save for that 's why I need a account so I can save for my family I wsh they please get that off my credit history Because im not that kind of person to do any thing fraud never have please ; contact me XXXX for any question