davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Landlord told me that I do not have to worry about the balance because it will be written off and considered as a XXXX balance. Yet they sent my closed account to collection 2 years later and collections asks for payment. Debt company did not provide any reasonable notice of debt or provide further information when requested. Landlords employees stated on record that they have done similar things to several other former tenants. There is a pattern of deceptive, abusive practices.
Consumer complaint received 2023-04-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC (LA)

Ive recieved multiple letters & phone calls threatening to sue me for old debt, and or to damage my credit my information and debt was sold to another collection agency without me knowing, now the new collection agency is listed on my credit report and I never heard of them before.
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: COOLEY ENTERPRISES INC (TX)

In XXXX of XXXX  I purchased a car the motor blew up within a about 3 days of the purchase i returned it to CLAY COOLEY MOTOR CO XXXX XXXX XXXX XXXX XXXX, TX XXXX and chose not to purchase at all because I felt that they had wronged me in the sale of the car. They submitted this item to my credit report as a charge off, when it should have never been applied to my account. This charge off has cause hardship in not being able to purchase a new car and continues to create issues for me financially damaging the moral of my credit worthiness when I was initially wrong. In this case I would like to request that they remove this item from my credit report as this was not my purchase. And I am not to be held responsible for the car. So that I can move along. But I have not been able to do so because they have this item on my record as a repression while, I waited for a very long time for answers on getting the car repaired. this event ultimately caused stress and put me into an early XXXX, and I was not in any position to be able to dispute this item.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WI)

I applied for a card that was sent to me 5 times within 3 weeks through mail from Chase. Regardless whatever they believe the reasoning for my denial, I have the right to credit and withholding access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I want them to reconsider their fraudulent decision made on my account. Reference number XXXX. 
I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX : Reference number XXXX : 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. Reconsider this account immediately unless they want to be held liable {$10000.00} FOR violation of each of my rights to credit and more.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

Received a {$20000.00} wire from a person I know. Chase bank said it was not intended for me. It was disputed by XXXX. Chase then closed my account and reported me to the XXXX XXXX. And black listed me
Consumer complaint received 2018-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/2018 I paid ( {$9.00} ) Western Union ( Quick Collect ) to wire transfer {$430.00} to my bank, XXXX XXXX XXXX XXXX. The clerk accepting the money asked for my name, address, phone number and account number. I gave her my bank deposit slip showing the information that she asked for. She typed in the information then provided me a receipt from the store and the Western Union receipt. I wanted to wire this money because I had a payment deadline to meet the next day,  XX/XX/XXXX. 
I waited about an hour when I got home then checked my account on my mobile phone for the deposit and it was not there yet so I again waited for another while before calling my bank. I had paid for this wire transfer at XXXX XXXX and it was almost XXXX XXXX. and my bank checked everywhere for a deposit but no deposit had been received! 
I called Western Union customer service and spoke to an agent, XXXX, at XXXX XXXX He checked for the transaction and found that it had been sent in error to a different company, a company called XXXX Credit Card! He told me he was sending that company an email advising them of the error and requesting a refund from them and that I would have to wait 24 to 48 hours for them to get " permission from them '' to refund my money! I called again the next day and spoke to XXXX. He said they'd had no response yet and give me a case # XXXX to refer to. I called 48 hours later and spoke to XXXX and she advised me they still had not received a response to their email! I requested to speak to a manager or supervisor. I spoke to a supervisor, XXXX. He said they had to wait for a response to the email " authorizing Western Union '' to refund my money! I told him that they, WESTERN UNION was responsible for the error in transmitting that transfer and that WESTERN UNION should refund my money and " they '' wait for their refund! He said that he couldn't do anything but wait.

I had to borrow money at last minute to make my payment on XX/XX/XXXX but now I need that money back to pay what I owe but they don't care. 
I have waited 8 days and called again today. I spoke to XXXX today and he checked but told me exactly the same story -- '' they haven't received a response to their email and they can not refund my money until they get permission from XXXX Credit Card ( the company in error ) to refund it! I asked to speak to a supervisor. I was transferred and the phone rang 14 times but no one answered! They refuse to help or refund my money! 
I am retired and live off my fixed social security income. I don't have the luxury of waiting like Western Union can wait! Please help. Thank you in advance.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (WI)

I applied for a Mastercard and unfortunately i was denied access to my own credit. Regardless whatever they believe the reasoning for my denial, I have the right to credit and withholding access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I want them to reconsider their fraudulent decision made on my account. Reference number XXXX. 
I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX : Reference number XXXX : 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 : Reconsider this account immediately unless they want to be held liable {$10000.00} FOR violation of each of my rights to credit and more.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (CA)

My mortgage company United Wholesale Mortgage failed to pay city and county tax for XX/XX/XXXX. The city and county transferred that bill to a collection agency. 
By the time I received a bill from the collection agency, the penalty amount has reached {$1200.00}. The total amount including principal + penalty = {$4500.00} I paid for that bill. 

I contacted United Wholesale Mortgage on XX/XX/XXXX asking them to reimburse me the total amount. They said they paid me the principal already back XX/XX/XXXX and agreed to investigate about the penalty. 
I checked my bank records and do not show receiving that principal amount. 

At this point, they dropped the case and stopped responding to me.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

BY CHANCE, I HAPPENED TO CHECK MY BANK STMT. FOR XX/XX/2016 AND FOUND AN DEBIT FROM " THE UNIVERITY OF XXXX XXXX ''. NO ORTHER INFORMATION. I CALLED THE BANK AND WAS TOLD THEY COULD NOT DO ANYTHING ABOUT IT BECAUSE IT WAS MORE THAN 60 DAYS SINCE THE TRANSACTION. 
I CONTACTED ALL 4 BRANCHES OF THE SCHOOL SYSTEM AND THEY COULD NOT FIND THE XXXX DEBIT CREDITED TO THE SCHOOL SYSTEM. 
I CALLED THE BANK AGAIN AND THE REP SEARCHED HIS DATA BASES AND COULD NOT TELL WHAT OR WHO IN THE SCHOOL SYSTEM ACTUALLY GOT PAID. 
THE REP ALSO ASKED ME IF I HAD CHECKED WITH THE 5 OFF CAMPUS LOCATIONS. I DID NOT KNOW ABOUT THEM. THE LAST TIME I ATTENDED XXXX AND XXXX WAS IN XXXX.WHEN I TRIED TO CALL THE DIFFERENT OFF CAMPUS SCHOOLS, XXXX XXXX XXXX, THEY TOLD ME THEY HAD NO AFFILIATION WITH THE XXXX SYSTEM. I TOLD THEM THE XXXX WEBSITE EXPRESSLY NAMES THEM AS OF CAMPUS.I TOLD THEM I HAD NEVER ATTENDED XXXX.THEY TRIED TO LOOK FOR RECORDS OF ME BY MY SOCIAL AND OF COURSE THEY DID NOT FIND ANYTHING.I BELIEVE I WAS THE VICTIM OF ID THEFT.THE COMPLAINT I HAVE IS THAT BANKS SHOULD HAVE DETAILED INFO LIKE CONTACT PHONE NUMBER ON THE BANK STSTEMENTS JUST LIKE THEY PROVIDE MERCHANT AND CONTACT NUMBER ON INTERNET PURCHASES. 
YOUR AGENCY COULD HELP HERE AND GET THE BALL ROLLING TO REQUIRE ALL BANKS TO PROVIDE THIS INFO JUST IN CASE AN ISSUE DEVELS LATER. I PROBABLY CAN NOT SUE THE BANK BECAUSE EVERY COMPANY NOW REQUIRES ARBITRATION.
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (LA)

I have identified instances of identity theft on my consumer report, which I believe are clear violations of both state and federal laws, particularly 15 U.S. Code 1681c-2. I did not explicitly consent to the reporting of these accounts, nor was I informed when initiating these transactions that they would be reported. This infringes upon my right to privacy. My securities and XXXX  number have not been identified with the account listed. If the agency declines to remove this account, please provide evidence that you are not an affiliated, for-profit organization potentially profiting from the reporting of these private transactions. Since I have not granted permission for reporting, these accounts should be removed immediately. No verification or validation is required, and I do not consent to communication with the accounts I am requesting to be removed. Accuracy is not the concern, as the accounts belong to me. These violations stem from unauthorized transactions executed without my explicit consent, resulting in the disclosure of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the Gramm-Leach-Bliley Act. Additionally, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft occurs when information is obtained and shared without express written consent, as in this case. The credit reporting agency lacks evidence demonstrating my consent for the reporting of these private transactions and accounts, as required by the Fair Credit Reporting Act.
Consumer complaint received 2023-12-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (NY)

A collection agency is trying to collect a debt from me that does not belong to me. Previous complaints have revealed that the collection agency wants to obtain information from me in violation of the law regarding collection agencies, namely, obtaining my government issued ID and filling out a legal form provided by the agency is a violation, in addition, this data will be used against me, since the agency does not have any evidence of my debt, except for public information that can be found through any search engine on the Internet. The provided handwritten contract, which is evidence, does not contain my signature, or rather there is a signature, but it is not mine, the evidence also contains Form XXXX in the name of a citizen of the XXXX XXXX , although I am a citizen of the XXXXXXXX XXXX XXXXXXXX XXXX According to my rights and the law, I am not obliged to provide the documents that the collection agency requires from me, and the collection agency does not have the right to demand these documents from me. According to the law, the report I provided is official proof that this debt does not belong to me. In turn, I have also filed a complaint through a XXXX  state attorney with the credit bureaus and will be preparing a claim against this collection agency. This record has been on my credit report for quite a long time and has caused me a lot of losses.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (NV)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-07
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. (NC)

I Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to Experian XXXX and XXXX XXXX Credit Bureaus
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

A fraudulent charge for {$50.00} showed up on my card on XX/XX/. The credit card website would not allow me to report the charge as fraudulent, so I called them on XX/XX/XXXX  to report it. I spoke to two different people and told them both that I did not make the charge. They reversed it " conditionally '' and coded it as goods not received. When the vendor provided them with information about the sale, the credit card company told me I was responsible for the charge and charged it back to my account. I sent them an email on XX/XX/XXXX  telling them that I did not make this charge, and they responded that it would be closed by XX/XX/. I sent them another email on XX/XX/2023 and then called them on XX/XX/XXXX  because there had been no updates. On XX/XX/, their fraud department told me they would close the account and issue a new card but it would take them one to two billing cycles to investigate the fraud and reverse the charge despite my reporting it over two months ago. 

I believe Citi bank has a pattern of denying fraud charges and intentionally making it more difficult to report, particularly with online retailers. This is based on my past experiences with this same credit card and my interactions with their customer service department.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

My mortgage is with XXXX XXXX XXXX. I contacted the company because I could not make a payment in XX/XX/. I was approved for a XXXX payment plan on XX/XX/. Instead of my original monthly payment plan, I am making additional payments until the account is paid up. Well, they are reporting my account to the credit bureau as delinquent. This is not correct. I have an approval letter from their office with a payment plan. I have called several times to try to rectify the problem but keep getting the run-around. Please help!
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX are being reported negatively on my credit file and should not be. These are fraud charges and accounts and have been notified of such multipole times now. 
these accounts do not belong to me.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VT)

My loans have always been in good standing and on auto-pay for XXXX years. 

Since the recent restart of loan payments, XXXX has improperly handled my automatic payments. Their system SOMETIMES shows my credit union as the payer but also SOMETIMES shows a bank I have no relationship with, When they draw an auto-pay it fails because they have misdirected it. 

They have been aware of this for XXXX months. I have roughly XXXX hours of phone contact with them as well as that long on hold waiting for help. They admit there is a problem. That say, " that's weird. '' After each engagement I am told the problem will be fixed and I will receive an email explanation. Nothing is fixed. I have never had an email from them. 
I have sought assistance from the Vermont Attorney General 's Office. They have sent inquiries that have been ignored. 

I have sought assistance from Student Aid GOV - XXXX # XXXX. EdFinancial did not respond to them after XXXX days. 

My bank information is correct. I can force a manual payment through their system if I time it right that the bank shown is really my bank. A few fast keystrokes and I can get the payment to post. Payment when accepted are showing XXXX dollars credited to the principal. Where is my money going?
Consumer complaint received 2017-02-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (NY)

I have a HAMP mortgage with Freedom Mortgage, I am to understand that with five years of payments in good standing I am eligible for a {$5000.00} payment towards my mortgage. I have written to freedom mortgage and called numerous times, numerous times. They take the information down and say they are going to get back in touch with me but never do. The last call the finally state they received my receipt of my letter it is under research. Please assist me in receiving the credit - that as I understand it is rightly due to me. 
MY contact number is : XXXX ( c ) XXXX. 
The company is Freedom Mortgage My loan # : XXXX Thank you for your assistance. 
XXXX
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

I was a customer of Union Bank in California since XXXX. I discovered in XXXX of this year, that Union would be absorbed by US Bank. Knowing this, I called both Union and US Bank to be advised on where I should pay my current Union Bank credit card. I paid it out of my Union Bank checking account as I was directed to do by both banks. I paid the amount that was due for the month on XX/XX/XXXX - {$780.00}. 
When Union Bank transferred all of my accounts and funds to US Bank, I saw my credit card balance was {$2200.00} which still included the amount that I had paid, {$780.00}. My payment was not credited or processed. 
For the last 5 months, there has been no way to contact Union Bank or a working website or any of my past emails. 
Since XXXX, I have been on the phone and in the offices od US Bank trying to resolve this issue. As requested by the bank, I have filed reports of findings as to what has transpired over a dozen times. Ive spent countless hours doing this. Below are key bullet points of what has conspired. 
1. Made sure I Paid Union Bank credit card via website as instructed ( {$780.00} ) - XX/XX/XXXX. 
2. US Bank transferred/absorbed my accounts- XX/XX/XXXX. 
3. My Union Bank credit card balance did not reflect my payment when transferred to a new US Bank CC. 
4. Multiple US Bank credit card and checking account managers have told me that over XXXX Union Bank customers are dealing with this same issue and that it should resolve when everything is fully integrated but it has been too long. 
Furthermore, the credit card managers keep sending me to the bank managers and vice versa. Nobody will take responsibility. 
5. I have submitted additional reports of what has transpired and all have resulted in letters asking me for statements that I can no longer access. Union Bank is completely shut down and when I would click on a past Union Bank email it would directing me to a US Bank log in. Today, when I click on past Union Bank emails, nothing comes up. 
6. Throughout this period, US Bank assured me the card would not acquire interest as this was being figured out, however, the bank did charge interest every month and I had to continually call to get the interest taken off. 
7. I have transferred my US Bank credit card to another bank card to avoid further interest charges.

Again, I paid my monthly credit card amount due and the amount was not credited.

8. I finally contact XXXX XXXX, XXXX XXXX XXXX President to get help on XX/XX/XXXX. After two months, all he did was send it to another Branch Manager who has no idea how to solve the problem. In the past, they blame the credit card company. It is clearly the fault of US Bank/Union merger as records were lost.

9. Please help me.