davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (TX)

I had a credit account with another company that was sold to Concora which was 6 months into a 12 month no interest promotion ( leaving 6 months left with no interest ). I never received any documentation about the amount transferred ; instead, when I was first able to access my account through Concora, the balance was about {$400.00} higher than it should have been. When I contacted Concora I was told that they had applied the interest from the past 6 months to the account, but if I paid off the original balance within the 12 month period of the promotion then the added interest would be removed. I asked for an account statement showing the amount of interest applied and never received that, and there was nothing in my statements to indicate that anything had been added to the balance. 
They continued to add interest for the next two months and I ultimately paid off the original balance and am waiting for verification that the account is closed.

If I hadnt kept detailed notes of my accounts I would not have had any way of knowing how much I actually owed, and Concora was unwilling to share that information. 
I am filing a complaint because this is clearly a deliberate attempt to mislead and steal from customers.
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc. (FL)

I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report within the next 30 days, I will be forced to contact a consumers rights attorney with the CFPB, sue, as well as write a report with the XXXX. I have documented all correspondence with your company. Please remove these inaccurate items immediately, as you know they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

Please see attached file from PennyMac loan services. Please make special note of the payoff from the above mentioned attorney. In their response to The Attorney General PennyMac stated that could not apply the insurance claim funds to the loan unless it paid the loan in full. Your letter to me dated XX/XX/2023. The letter from XXXX and XXXX dated in XXXX, the payoff reflected the insurance funds.. still every time I requested one..the mortgage company would send me a payoff of {$280000.00} +-. The most recent payoff that Im forwarding to you, that was good until XXXX XXXX, XXXX  also reflects them applying the insurance funds. They did exactly what they told you they couldnt do!! That payoff was never uploaded to my documents on my PennyMac portal. I had listed this property for {$160000.00} had several cash offers. Every time we requested a payoff, It was sent without applying the funds. My Realtor said I was waisting his time, because I could never get the proper payoff. If they would have given the proper payoff this property would have sold. Now, 6 months later, attorney fees, property preservation fees, foreclosure fees.. its no longer the {$100000.00} its now {$120000.00}. This company XXXX XXXX in their response said they could not apply the insurance funds causing me to lose the sale of my property and then turned around and did what they said they couldnt do. I have tried with this company until Im blue in the face. I am a 100 % XXXX XXXX XXXXXXXX Veteran that is homeless because of these people. My credit is ruined, I have XXXX dogs, and no rental history.. who in their right mind is going to rent to me. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: D. SCOTT CARRUTHERS (VA)

First call was at XXXX in XX/XX/XXXX.A XXXX  XXXX is calling me regarding putting a court ordered lien on all my bank accounts. I was told I owed a debt from XXXX and a judge had ordered a lien on my bank. He provided a docket number from a county I lived in at the time. I asked for correspondence regarding the legitimacy of the debt. He got loud and ordered me to talk to the court where the judgement was ordered. I again asked him to provide the proof as I am unaware of any judgements on me and nothing has been sent to me, nor do I recognize the debt. He gave an address to a place where a family member once lived at the time. On the night of XX/XX/XXXX I advised him I talked to the MA State Attorney Generals office and they advised me to again request documentation be sent out. He then told me hed email me the court decision to me. On the first night he stated the lien would be for {$3500.00} all said and done. On the second night he stated the lien was going to be {$7500.00}. I told him I need to know the legitimacy of the actual debt being mine and that way I could have a lawyer look at it and tell me if it was in fact not a scam and then Id settle anything that is in fact mine. He started yelling and talking over me. I asked what company he represented and he stated he works for Norfolk Financial thru the law office of XXXX XXXX in the XXXX Ma area. I called the low office of XXXX XXXX and they claim to have never heard of XXXX XXXX who claims to be a lawyer sometimes and then a paralegal the next. He then tells me he can have the Norfolk Finacial call me since they are right across the hall. I asked for a number and he provided XXXX and his number is XXXX. I asked for the toll free number and he stated they no longer have a public number. I decided to hang up at this point telling him hes not providing me the proper documentation to prove I owe the debt and two he cant prove he has the right to settle the debt.
Consumer complaint received 2024-01-02
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: AMERICAN EXPRESS COMPANY (CA)

A {$100.00} gift card for American Express was purchased on XX/XX/2023. 
XXXX XX/XX/XXXX and XX/XX/XXXX of XXXX several attempts to purchase items on XXXX failed to go through. Several more attempts to link the card to my XXXX and XXXX account had failed as well. A current attempt is being made to spend some money on XXXX ( money does not leave balance until item is being prepared for shipment which can take days ). Note, there is NO mention anywhere on the card that it is unavailable to use on ecommerce sites. What the included terms and conditions do state however is that, The Card may be used at merchants and retailers in the United States that accept the American Express Card. The websites mentioned all state to accept American Express. Despite that, the card does not work across any. 

An attempt was made to access the site AmexXXXX, and to call the customer service line at XXXX XXXX XXXX XXXX, only to be told to spend it somewhere else or in a physical store. All attempts to use the card online have failed, and all of my purchases are made online making this card useless. 

Furthermore, it is the responsibility of the bank to state what websites/locations that the card would work with if this was going to be an issue. Otherwise, attempting to use the card turns into a guessing game on where the card works or doesn't work, wasting significant valuable time.
Consumer complaint received 2023-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

XXXX XXXX, from TRANSWORLD SYSTEMS INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX or you can contact one of our representatives at XXXX is trying to collect a debt on behalf of a contract she did not validate and did not verify or have information from, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XXXX  Capital One XXXX XXXX account, is over XXXX old and hasn't been removed off of XXXX XXXX report. This account has no balance and is closed, but should have been removed by now.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (NY)

LOAN WAS PAID IN FULL BY DEALERSHIP. GM FINANCIAL SENT ME A LIEN RELEASE AND PAY IN FULL LETTER BUT REFUSE TO REPORT ACCORDINGLY TO CREDIT BUREAU. PLEASE REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2024-01-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

I have a charge of XXXX from Sunrise Financial that is related to and XXXX account I have never owned. 
I have never been associated with the physical address, the email address, or the phone number linked to this XXXX account.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

NationStar Mortgage has drastically increased my escrow payment without consulting with me and my wife. I am currently at an 8.5 % interest payment and I have been trying for years to get a loan modification but all am getting is a run around. They will not even agree to refinancing my house.
Consumer complaint received 2024-01-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (WA)

I purchased the cards ( 4 vanilla gift card visas each {$500.00} which totaled {$2000.00} ) XX/XX/. Upon getting home 15 minutes after purchase I went to open all the cards and activate them for my childrens XXXX gifts. It was at that time I realized all 4 cards XXXX codes were completely scratched off under the sealed package and glued back together to look untocuhed. I contacted vanilla giftcard dispute immediately to cancel those 4 giftcards and get a replacement card in time for XXXX. They said my cards all still have the {$500.00} on them so they would be able to block those cards and issue new cards that would come in 10 days with the full funds available since they were still unharmed just the physical cards was damaged. 

10 days go by on XX/XX/XXXX my new cards come in the mail and I got to activate them but all the cards except one say they had {$0.00} available and the last card said it had {$5.00} pending but the other {$490.00} was spent. 

I called vanilla gift card immediately and asked where my funds were if they promised the money would be sent in the new cards sonce the old cards were cancelled 15 minutes after purchase when I called them to inform them about the XXXX being scaratched off. They said they were not sure what happend to the new cards but now I would need to do a dispute on the cards transactions bc they were used and spent even though i never had the new cards in my hand until XX/XX/XXXX  and they were not activated until I called that same day and they were already spent. 

They had me email dispute information of proof of purchase, activation codes on receipt and my ID and the original damaged vanilla goft cards. 

Since XX/XX/XXXX i have contacted them weekly in email and phone call form but they have not reissued my funds of {$2000.00} which they said they would be doing in 4 weeks. They do not email me back and have not verified they received all the requested information. They just keeps telling me to wait but no end date in sight. 

I really need my {$2000.00} back as I had to use savings to repurchase the gift cards else where for my kids XXXX gifts. 

I need help this is insane it can not get help anywhere to get any information and I have no money left now. 

Please help me.
Consumer complaint received 2018-11-17
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. (IL)

I submitted paperwork to remove a fraudulent XXXX card account off of my credit report. This removed the fraudulent card last year. This year I opened up a card of my very own. Soon after, the fraudulent XXXX card account was put back on my Experian file. I spoke to associates, disputed via certified mail, and online. The associate told me that XXXX sent Experian a notification that the fraudulent account was mine. I have gone back and forth with Experian for over 6 months now. Experian still has not sent me anything proving the fraudulent account is mine. The other 2 credit bureaus removed the fraudulent XXXX account once and never put it back. This account is the only negative account on my file. The file was said to be opened XX/XX/2016 and is charged off with a balance of {$890.00}. This is not my account and I request to have it removed from my Experian credit report.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (VT)

PNC bank made new policy of charging $ 7 monthly fee if account doesn't have sufficient funds of $ XXXXminimum. I contacted PNC customer service on numerous occasions to protest insufficient amount service fees of {$7.00}, yearly {$84.00} fee!!! I consider this to be legal stealing money from customers. Through last five years PNC stollen {$420.00} from my account by implementing new stealing in law policy. Not enough for CEO salaries??? I consider this extremely unethical and disturbing! I request refund of {$420.00} back to my account.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (AK)

XXXX  XXXX XXXX FNBOmaha Gave stranger thief a credit card under my social security number for XXXX and even increased recently to XXXX. They are not doing anything about my complaints, identity theft filed, phone calls, emails, nothing to help me.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately 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
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX  reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

ON THE FOLLOWING DATES XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MULTIPLE INSTITUIONS AND COMPANIES HAVE INQUIRED INTO MY CREDIT FILE REPEATLY WITHOUT MY EXPRESSED PERMISSION I HAVE NOT GIVEN ANY OF THESE FINANCIAL COMPANIES WRITTEN AUTHORIZATION OR PERMISSION TO INQUIRE INTO MY FILE .THESE INQUIRES ARE THE RESUALT OF FRAUD AND ID THEFT PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC SECTION 602 THIS IS A CLAER VIOLATION MY RIGHTS AND THIS COMPANY HAS NOT CORRECTED THESE. ERRORS
Consumer complaint received 2017-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (GA)

On  XXXX - XXXX -2017 I agreed to pay SunTrust bank {$60.00} to wire {$6200.00} to   XXXX   XXXX   in the   XXXX   XXXX   for my wife to receive on  XXXX - XXXX -2017. All the money never made it to   XXXX   XXXX  . After my wife spent two days going to   XXXX   XXXX   and making phone calls we found out that Sun trust bank sent my money to   XXXX   XXXX   and   XXXX   XXXX   sent the money to   XXXX   XXXX   and   XXXX   XXXX   charged a fee and took it from the {$6200.00}. This money were to be used to pay off a mortgage loan but, by the money being late and never showing up, it cause me to pay an extra {$220.00}. I have called the branch and sent emails. Also I have filed a complaint and called other departments as much as ten times but as of today no one has returned my phone calls explaining why   XXXX   XXXX   were allowed to help themselves to my money without me knowing anything.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc. (MO)

I currently bank with experian smart money digital checking and my account was taken over fraudulently. Several unauthorized transactions have occurred. I reported it to the police and my financial institution. However, differential credit has not yet been released and is stated to take a month to be released. That is all of my monthly compensation from the Department of veteran affairs.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I submitted a previous CFPB complaint regarding my credit card ending in XXXX/corporate account ending in XXXX. 

I was hit with a late fee again on XX/XX/year>. I was unsure why this was happening as I already had AutoPay setup ( see attached screenshot ). I made the minimum payment again on XX/XX/year>. 

I received in the mail BoA correspondence dated XX/XX/year> to my previous CFPB complaint. This correspondence was after the late fee on XX/XX/year>. 

It was explained to me that in order to engage AutoPay correctly, I would have to set it up through the corporate account ending in XXXX. I was not aware of this until I received the mailed BoA correspondence. I have since set up AutoPay for the corporate account instead of through the individual credit card.
Consumer complaint received 2024-01-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

For over 3 years, apartment credit collections have been coming up on my credit for apartment rentals in XXXX. I have never lived in XXXX Once I realized this was happening I filed a police report in my home city, XXXX, XXXX where I have lived for the past 20 years. I have successfully disputed over 5 apartment collections with my police report and statement. Columbia debt recovery refuses to release my account even though I've provided all of my proof including photo ID, social security card, police report and statement. This collection is showing up on my credit and ruining my credit. You all allowed them to close this complain by simply providing a lease. It doesn't make sense, where is the proof that I was the tenant they lease to? Where is the photo ID they would have collected of the tenant being leased to and the background check? I need this removed from my credit asap.