davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc. (NY)

The SELF building credit account a blue card becauee you fix your credit yourself A SET AMOUNT EACH MONTH IS SCHEDULE TO BE PAID, and that I did. i only had XXXX account and never opened a 2nd accou t SELF account. the following dates and amounts given on my credit score are said to be owed. HOWEVER, i asked when i closed my account do I owe anything and they said no and i have plenty of time to spend the mpney i deposited onto the SELF card each month. either XXXX or XXXX dollars each month accumilates and in the end you get 12 months times the {$30.00} each paid for 2 years. The sum of the 2 years goes into your SELF accouny and you can spend it when you want to. Even though i didnt do 2 years i was ok with ending the accouny early because i was moving and no longer recieveing public assiatance XXXX each month from govt. i had no income. and my casework for XXXX XXXX said it was ok i did this because it rebuilt my XXXX XXXX and all the money i deposited into the accouny I got back and could spend XXXX XXXX SELF CREDIT CARD. for my friends and I when we as friends did good things by XXXX  a goal we set like apartment seeking, or making it to an appoitment and checking things off your list things completex. i bought a pizza pie up XXXX XXXX XXXX  XXXX XXXX  XXXX AMAZING and we got things done.. thata just XXXX thing i did with the card I closed the account because i spent everything i saved on it. WHY DO I SEE THE FOLLOWING XXXX DATES WITH MONEY OWED. ITS IMPOSSIBLE I ALREADY SOLVED THIS WITH THEM 2 YEARS AGO. i know i basically paid for my XXXX XXXX go up XXXX points but i did what i needed. 
the following dates and money owed ARE IMPOSSIBLE BECAUSE I COULDNT CLOSE ACCOUNT IF THERE WAS OUTSTANDING BAALANCE DUE ; XXXX. XXXX {$46.00} XXXX XX/XX/year> {$61.00} XXXX XX/XX/year> {$31.00} DATE TO BE KNOWN XX/XX/XXXX ACCOUNT WAS OPEN. AND ITS ON XXXX XXXX AS SUCESSFUL. THE OTHER XXXX REPORTS SAY Money.delquient owed. 

can you help me please figure this out aND PLEASE ALLOW ME THIS OPPORTUNITY TO EXPLAIN a REACTION AND MY COMMENYLTS TO BE PLACED DIRTECTLY ON MY CREDIT REPORT FOR THE 3 DAYS FOR MONEY OWED, IMPOSSIBLE BECAUSE THEN YOU CANT CLOSR account anx i Did 2 years ago. 


from XXXX XXXX email XXXX tele XXXX
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc. (KY)

Diversified Consultants called my husband at work today in refrence to an account that has been placed with them for collections. the first gentleman that we spoke to stated that the account was from XXXX place but when I asked for a boss I was told another place. I have asked for them to cease and stop calling us until they could provide us with proof of the last payment and the amount and the true creditor. they have advised me that they do not have the ability to provide those docs. I would love to attach docs but they cant provide them
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GB Collects, LLC (PA)

I was contacted by the debt collection agency on XX/XX/2018 by phone call and email. I contacted my employer about my health insurance company throwing me into collections as I have health insurance through them. I also reached out to my health insurance company. Both my employer and my insurance company told me that this sounded like a fraudulent attempt at collecting money from me. I told the agent XXXX by email on XX/XX/XXXX that she should no longer contact me by phone and that I would like written proof of this debt as none of her information matched anything I had. She sent me an email on her company letterhead stating I owed money to XXXX XXXX. The termination date for my insurance does not match what she sent me. I asked her not to call me, that the debt was disputed, and that I wanted proof of this debt. Instead I got two more phone calls and another email. After specifically stating in my XX/XX/XXXX email that I did not want to be contacted by phone, I have since received multiple phone calls, the latest of which was today.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Endpoint Resolution Services (ERS) (TX)

This Company did a background check on me and contacted my landlord, my mother and my job telling them they are trying to get a hold regarding this debt, I have no idea what this debt is for because they have not informed me via mail, they just keep calling me. They preformed a background check on me without my consent and bothering innocent people about this " debt ''
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (MD)

I have received several phone calls about a debt from XXXX XXXX. I am aware of the debt and working to resolve the issue however I am now unemployed due to me being XXXX XXXX for several months and my daughter was also injured in an XXXX   and has been in and out of the hospital repeatedly with XXXX. I currently have no income at all and and am not receiving any type of government assistance. I am expecting to return to work in the Fall. On XX/XX/2018 at XXXX I received a threatening phone call from XXXX XXXX from someone name Specialist XXXX from the number XXXX ext XXXX. He has left several rude messages howeve this one today he was rude, threatening to take action, using inappropriate language and yelling into the phone screaming saying I better return the call. I returned the call and ask him for his name after giving him mine. He refused and said give me your address. I said Im not providing anything until you tell me who you are and what debt youre calling about. He starts screaming saying, you called here and you need to provide me with what I asked for. I said you called me and Im returning the call to try and settle this. He started yelling and saying I already know how Im going to rule on this so it doesnt even matter. I said do what you have to do, because if I was trying to corporate I wouldnt have called, so he starts again and threatening me. I hung up on him and called back to speak with a supervisor. This person didnt provide her name and claimed to be a supervisor and said she would review the call and that behavior wasnt appropriate. I said I will be filing several complaints and forwarding that message to the authorities and other platforms to file a complaint. I will handle the debt as soon as possible, however Specialist XXXX is not to contact me ever again on this matter. I have 15 years of XXXX XXXX experience and that message he left on my voicemail and his calls are threatening and harassment and I feel threatened at this point by this company and representative.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

FRAUDULENT ACTIVITY OCCURED WITH MY CHECKING ACCOUNT. I WAS AROUND SOMEONE ( NAME, ADDRESS AND PHONE # PROVIDED ) WHO WITHDREW {$2000.00} FROM MY CHECKING ACCOUNT FROM XXXX XXXX IN DELAWARE. I WAS NOT AWARE OF THIS PERSON GUESSING OR KNOWING MY PIN # TO WITHDRAW FUNDS AND ALSO DID NOT AUTHORIZE THEM TO USE MY CARD WITHOUT MY PERMISSION. DUE TO MY PIN BEING THE SAME FOR MY CARD AND PHONE, THEY WERE ALSO ABLE TO SEND FUNDS VIA XXXX XXXX  IN THE AMOUNT OF {$1700.00}. I REPORTED AND FILED A POLICE REPORT WITH XXXX POLICE DEPT. AND DETECTIVE XXXX CAN BE REACHED FOR CONFIRMATION. I SHOULD NOT BE HELD RESPONSIBLE FOR SOMEONE USING MY CARD WITHOUT MY AUTHORIZATION. I WAS NOT AWARE OF THIS UNTIL I CHECKED MY CHECKING ACCOUNT. THIS PERSON ALSO STOLE MY PHONE IN THE PROCESS, WHICH MADE IT HARD FOR ME TO MONITOR ANY TRANSACTIONS THAT OCCURED WITH MY DEBIT CARD. 

I HAVE BEEN A NAVY FEDERAL CREDIT UNION MEMBER FOR YEARS AND HAVE NUMEROUS CREDIT CARDS, LOANS, AND ALSO CDS. ITS VERY UPSETTING TO KNOW THAT MY CLAIM WAS DENIED. I WORK EXTREMELY HARD FOR MY MONEY AND TO ALLOW SOMEONE TO TAKE IT FROM ME IS ABSURD.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gravamen Asset Management Group LLC (CT)

Dear Kessler & willians This is my response to your notice about a debt. You report in my credit report information about a debt amounting to {$640.00} due on XX/XX/24 to the original creditor XXXX XXXX lam not responsible for the debt you're attempting to collect. 
If you have proof and a good reason to believe that I am responsible for this debt, please mail me the relevant documentation, including ( but not limited to ) : Proof you are licensed in Connecticut to collect on this debt. 
Final statement or bill showing the amount I owe. 
Contract that I signed proving this debt is mine. 
Details about the last action taken on this account + proof. 
Please record that I dispute any ownership of this debt and stop all other communication with me and this address. If you stop collecting on this debt and forward it to a separate company, please let them know that I disputed it. Please also report my dispute to the credit bureau if you will report ( or already have reported ) this debt.
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (LA)

I filed two disputes with XXXX. One was for {$100.00} on or about XXXX XXXX, 2023. I noticed the charge on my account and asked them to investigate it. I signed into my XXXX and noticed that it was on my XXXX as well and reached out to XXXX for further assistance. I have a representative on a recording stating that I won the claim and do not owe them. However, Chase keeps stating that I owe them when I do not. I have sent in my XXXX statement showing that I did not make the purchase and stated that my account was compromised but they refuse to listen. I want my money back because it is not legal or ethical to hold me liable for a purchase I did not make! Also, I filed a dispute with Enterprise rent a car showing my car insurance company paid them over {$300.00} for the rental while my vehicle was in the shop. I paid enterprise a refundable security deposit. I was denied my money back by both XXXX and Enterprise. This is THEFT and I want my money returned to me! This has caused so much XXXX XXXX when I am already battling so many troubling things. I want my cases opened and evaluated by someone higher up who can help!
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In 2016, I was approximately 3-4 months behind in my home mortgage XXXX XXXX was the servicer at the time. In an attempt to become current, I sought help from XXXX. an agency that is " supposed '' to help homeowners. In the process, {$64000.00} to a current balance of {$150000.00} to {$210000.00}. 

I need a detail account of HOW and WHY {$64000.00} was added to my loan? I did not pull any money out and I did not have any home repairs done. Am I the victim of predatory lending?
Consumer complaint received 2024-07-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

Hello, I purchased this card on XX/XX/year> with a load amount of XXXX XXXX The card was opened on XX/XX/year> and found to have the numbers on the front of the card missing as well as a sticky substance on the back of the card on the magnetic strip. We called the vanilla gift customer service and he assured me my XXXX $ was safe and he would open a case. I received a notification today that they are unable to give me the money back. We were unable to even use the card. I've called customer service many times with no help. I would like to have my XXXX $ back.
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NY)

I have mailed out dispute letters regarding all accounts that are a result of identity theft on XX/XX/year>. Followed by An FTC report. All companies listed below have failed to provide me with proof of ownership of this debt, and proof of my signature allowing these companies to sell my information illegally to other companies not authorized by me. 
These accounts are a result of Identity Theft and must be removed from my credit report, as that debt is not mine.
Consumer complaint received 2024-07-13
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAINE & WEINER COMPANY, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The following Accounts : Original Creditor : XXXX XXXX Caine and Weiner company Balance : {$860.00}
Consumer complaint received 2023-02-07
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: JPMORGAN CHASE & CO. (NM)

In accordance with the fair credit reporting act JPMCB Card Services has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. In 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This creditor falsely reported late payments after taking payment in XXXX, XXXX, and XXXX of 2021.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I file a claim with Wells Fargo regarding an transaction that was deducted from my account for {$340.00} for XXXX XXXX. I cancelled my debit card twice per Wells Fargo after cancelling the first debit card, I received the same transaction for against for the new debit card. I contact Wells Fargo about the transaction on the new card, I was told myself or someone I knew was making the transactions. I explained that was impossible I have the card, how would someone have access to the account when I just received the new card. I 'am XXXX old and do not own or play XXXX  nor was their anyone in my household that have a XXXX Wells Fargo refused to refund the {$340.00} the claim was closed. I contacted Wells Fargo fraud department, I emailed the CEO of Wells Fargo I did not receive an response. I have been with Wells Fargo since since XXXX. I need assistance with retrieving my {$340.00} from Wells Fargo. 

Thank you.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (GA)

I have a PayPal account. I discovered that PayPal had frozen my account. I have written them and called many times. I have submitted paperwork including my drivers license and bank account statement, which they indicated they needed as proof of change of address ( I moved ). I was hoping to unfreeze and use my account. I have been waiting more than two weeks since the last interaction. They told me unfreezing the account would take 2 days. ( I got through to a real person one time. ) Ever since I got through once, I can no longer get through to them and there are no methods available to email or contact them. My emails get bounced back as no reply. And my calls get answered by an AI system, and then they hang up on my no matter how I try to get through. At this point I have been trying to close my account. I can't do it. I tried using the " close account '' process in my account once I login. It does not work. The process results in an 'error. ' I am not sure if I had funds in my account, but it is currently at a XXXX balance.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I made a purchase from a company called XXXX. Their product was completely misadvertised, and cost {$150.00}. I filed a dispute with my credit card company when the product arrived and I realized I had been scammed, and ultimately returned the item. 

All is clean on the credit card ; XXXX. 

Paypal, however, is showing money due to Paypal for {$150.00}. I don't use Paypal for anything and never hold a balance. 

Paypal strictly provides confidentiality of my credit card information ; that's it. 

Now Paypal has me locked up so I can't use the service, and won't let me close the account due to their claims I owe them {$150.00}, which I don't. 

I sent them a letter, and called, but they will not fix it.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

This complaint is being filed against Cardinal Financial due to a dispute over {$4800.00} that is incorrectly included in the loan amount : 2020 property taxes were fully paid to XXXX prior to closing new mortgage. The check from previous lender was dated XX/XX/2020 and the city of XXXX recorded the taxes paid in full on XX/XX/2020. 

Cardinal Financial errantly included final tax payment as part of loan when it was already paid in full. This was in the amount of {$2800.00}. Date of closing was XX/XX/2020, 6 days after taxes were recorded as being paid in full. When Cardinal Financial was  questioned about this discrepancy, they stated a check was sent to the city of XXXX for the final tax payment but the city of XXXX has no record of receiving that check as of XX/XX/2020. As of XX/XX/2020, we have not received reimbursement of these additional funds. Check number and tracking info has been requested numerous times and Cardinal refused to provide. 

Cardinal Financial requested the payoff statement from previous lender on XX/XX/2020, which expired on XX/XX/2020. A new payoff statement was not requested prior to closing on XX/XX/2020. This resulted in the payoff amount being greater than the actual amount owed resulting in the new mortgage being incorrectly inflated. The difference between what was owed to the previous lender due to the lack of requesting a new payoff statement is {$1500.00}. 

Per the records on Cardinal Financials secure website, on XX/XX/2020 the loan principal balance was stated as {$140000.00}, a principal curtailment was posted on XXXX XXXX in the amount of {$1600.00} resulting in a principal balance of {$140000.00}. However, the loan was sold to XXXX XXXX on XX/XX/2020 in the amount of {$140000.00}. Cardinal was alerted to the difference in payoff amount and tax payments, Cardinal assured us that this would be corrected at closing. Accurate closing loan amounts were requested, however, never received. After the loan closed, Cardinal has been unresponsive to our concerns.
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

Hello, During the origination process of my loan for my house that I bought, loan officer, XXXX XXXX from Quicken Loans, informed me incorrectly of the percentage of home value to loan value that I would need to have my pmi removed. The house I bought needed a good amount of work so I was deciding what percentage of down payment I would make. I had enough money at the time to make almost a full twenty percent down payment but wanted to do less so I could renovate the house. I knew that the house would rise in value significantly due to the renovations so I discussed with XXXX how I could remove PMI early. He told me that with a 5 percent down payment and figuring in about 6 payments that I would owe around 380,000 on the house. Base on a 80 percent home value to loan value ratio, I would have to reappraise the house at {$470000.00} to be able to request PMI removal. Well I decided that was feasible so I put down 5 percent, did my renovations and then called back quicken to request an appraisal to have my PMI removed only to be told that the the equation is based on a 75 percent ratio. I filed a complaint with them and they opened an investigation in which they said they found no proof of the conversation I had with XXXX so they could not help me. They suggested calling my loan holder Fannie Mae to see if they could do something for me. Fannie Mae did nothing because Quicken will not admit to their mistake. Now I am stuck paying an extra {$330.00} in PMI monthly due to Quicken loans mistake. I have been in touch with some of Quicken Loans vp of customer service, and magically today she admitted to me that she found a conversation where I was misinformed by XXXX XXXX. Now even though Quicken has found that they did indeed make a mistake they are still refusing to honor what they said, effectively screwing me out of a lot of money. 

Facts : I have an appraisal in hand for {$480000.00} for my house. 

I have bank statements from when the loan was originated to prove I could have put down at least 10 percent which would have allowed me to have the PMI removed at this point even with a 75 percent ration. 

I will effectively pay over {$6000.00} in PMI that I shouldn't have to pay due to Quicken loans not informing me correctly. 

I will in the near future not be able to pay the extra {$330.00} in PMI. 

Please help me with these people as I feel as though I have been bamboozled by them. People in their position should be able to properly inform clients with the correct information when making a 30 year {$400000.00} dollar decision. 

They should pay for their mistakes, I shouldn't have to.