davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (IL)

I am being sued over a credit card that i have never had, which company says was opened back in XXXX and closed in XXXX. I was hacked 3 times from XXXX. My internet company was asked 5 times over 3 yrs to change my secuirty key, XXXX XXXX never changed my security key. I had fraud on both my bank accounts in the amounts of around XXXX I have submitted an claim for XXXX and XXXX XXXX! they both were hacked! Also my XXXX card was back in XXXX of this year! almost XXXX. XXXX was hacked too! Had many fraud with that account too! Also XXXX XXXX  on XXXX ordered a hat and soap which have which now with one of my cards of XXXX Every day is a new surprise in my email! Someone has messed with a XXXX XXXX account that I haven't used in 10 yrs! Someone opened a dept XXXX XXXX account! I ll never have had any XXXX XXXX account ever! My credit is frozen and has been since XXXX of XXXX My husband has been deseaced for 14 yrs, he had an ex-wife from XXXX. She and her family made our life 's misarable. She had 2 cars repoed lost there family home! But card and fake accounts in my name! She reacived XXXX child soaport and never paid for anything! She died 7 yrs ago and every one who did things with her is dead! I havent seen my step-daughter in 14 yrs, i gave her money to buy a car when her father died, Guess what? she blue the money with her mother, they all got tattoes! This identy-theft has been a Nightmare! Please help me, I ve been trying tofix my credit. My Computor has been scrub twice. I just bought it in XX/XX/XXXX! Thank You! 
my daughter 's lab top has no spell ck, sorry! lol!
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

The problem I have is I pay my house payment every month through my bank account and this isn't even Due till XX/XX/XXXX. This is false reporting and having people come to my house to take photos and here we have all the proper paperwork through the bank. I'm sick of this company always lying about people! 

PHH MORTGAGE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$410.00} Last Payment Made : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$410.00} per month, paid Monthly for 360 months >Maximum Delinquency of 30 days in XXXX
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I disputed transection with XXXX for XXXX Dollar on month of XX/XX/2019. XXXX promised refund but since it took very long time and every time I was contacting XXXX it was just promise of refund but was not refunding so I made a complaint to Atorney General of Alabama state and iput a claim through Bank of America. BOA refunded XXXX dollar after dispute XXXX and when got fund from XXXX on XX/XX/XXXX after 2 months from my request for refund which was a very long wait. I received a letter from XXXX attorney office and XXXX had apologized for a long wait and had said that money is refunded through dispute by BOA and had issued a XXXX dollar gift card. Bank sent me a letter that matter is resolved thenafter. Yesterday I got another msg from BOA asking for more information about claim which I sent response of XXXX to them. I was told today by BOA THAT I HAVE TO PAY XXXX DOLLAR AND THIS AMOUNT ADDED TO MY CREDIT WHICH MADE ME VERY UPSET. XXXX XXXX SAYS MONEY IS REFUNDED AND BANK ONCE TOLD ME MATTER RESOLVED THEN WHY TO HARASS ME AGAIN. I AM HARASSED MORE THAN 3 MONTHS FOR THIS REQUEST FOR REFUND. This is FRAUD BY BANK AND HARRASING ME AND MUST GET INVESTGATED AND STOP. BANK CAN NOT TAKE XXXX DOLLAR FROM ME WHEN MERCHANT HAS ALREADY REFUNDED THE MONEY. below is explanation of incident with XXXX : I ORDERED A CELLPHONE WITH SERVICE PLAN ONLINE FROM XXXX BUT ON THE DAY that I HAD TO PICK UP the cell phone from XXXX STORE, CHANGED MY MIND AND I PURCHASED OTHER 2 CELL PHONE WITH SERVICE PLAN ON STORE ON EXCHANGE With the cellphone i ordered online. I DID NOT EVEN SEE THE CELL PHONE I ORDERED ON LINE. THE MONEY THAT I HAD PAID ONLINE FOR XXXX XXXX WAS USED TOWARDS PAYMENT OF 2 NEW PHONES AND I ADDED XXXX DOLLAR ALL FROM MY CREDIT CARD. XXXX USED ONLINE MONEY I SPENT TOWARDS MY NEW PURCHASE BUT HAD NOT REFUND THE MONEY THAT ONLINE I PAID FOR SERVICE PLAN. SO I CONTACTED THEIR CUSTOMER SERVICE ON XXXX OC XXXX AND ALL 3 CELL PHONE SERVICE PLAN WAS CANCELLED AND I WAS TOLD THE PRICE OF 3 SERVICE CONTRACT IS XXXX DOLLAR AND IT WILL BE CREDITTED IN MY CREDIT CARD WHICH NEVER HAPPENED SO I FORWARDED COMPLAINT TO ATTORNEY GENERAL AND BOA.
Consumer complaint received 2020-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

At the beginning of XXXX we were double charged our mortgage so we called the company ( Amerihome ) early XXXX and asked that the second payment be put back into our account, the Amerihome Mortgage representative stated that it would be in our account in a week, we waited a week in a half and our money was not returned. We called them again, the next representative said that the first one that was filed was incorrectly filed and that the money will be in our account in just a few days. We waited and nothing, so we called again. They said they could just transfer the money over for the next month ( XXXX ) payment, we said that was fine so we wont be charged in XXXX and they said yes and that the auto payment would not come out. On XX/XX/XXXX another mortgage payment came out of our account. I immediately called them and they said it would be a week before they could put the money back in. I said that was unacceptable and it needs to be put back now. They then couldnt get ahold of a supervisor to help with this so I had to wait another 24 hours for a supervisor to call back. We then filed a complaint with the XXXX and we received a call later that day from AmeriHome Office of the President. They said they were escalating it and that it would take a week, again, for the money to be returned. I told them this is unacceptable and they need to put the money back into our account that was unauthorized to be taken out. I spoke to the representative the next day and the entire day they did not have an update. So we are now almost a month in a half without ever receiving our money back.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK (IL)

I had a checking account with TCF. On XXXX I noticed on my account there was a {$40.00} charge that should not have been made cause i had changed my mind and did not take the merchandise i was contemplating buying but i do not know my card was charged. I received nothing so I tried notifying the merchant at the XXXX XXXX XXXX XXXX. They wouldn't help so I called the bank. They did not initiate a dispute nor credit my account. I called a couple more times as well to find out when this would be fixed. Nothing was fixed. It resulted in a snowball effect of NSF {$330.00} in fees plus the {$40.00} that the merchant took from me putting my account negative to which my account was then closed cause i refused to pay what they said i owed cause they owed me. I Contacted CFPB received a notice I would finally have this resolved and they sent my check to an old address. I contacted them to have a new check issued and they are making it really difficult to have it reissued to my new address. Then they are telling me I need verification of my ID when the Branches were closed due to covid19 I had no way to go to a branch i have no vehicle it was drive up  only. And was told after it was updated that it would still be months before i would receive money they have due to their negligence in the first place. They are a bank can they not see that a check issued from one of their accounts was not cashed. They can stop payment on my check and i could write another but they can not do the same? They agreed they owe me {$140.00} I have the letter stating this and it was the resolution complaint number XXXX i filed with CFPD. It has been a year since the transaction and why its not as easy as stopping into a branch and geting the money they owe me on an account that should have never been closed in the first place after I tried to explain a situation where i was ripped off and having them join in on it admitting they are wrong to make it very difficult to get my money back {$140.00} a lot to me but a drop in the bucket for them that they were about to also ruin my cred it over is unacceptable. TCF net assets on XX/XX/XXXX is estimated to be at XXXX XXXX dollars. And I have nothing unemployed and struggling to pay bills and they create this bureaucratic mess for me to jump through hoops over their mistake in the first place in XXXX they had a XXXX XXXX dollar class action over NSF fees. I seems nothing much is changing. I wonder how much of the XXXX XXXX dollars is from TCF ignoring the needs of their customers? Then manipulation of those customers into submission with having to jump through hoops to get what they trusted them to hold of theirs. I have heard very nasty stories about this bank that are frankly disturbing and the fact this is occurring still is even more disturbing. I am sick of being pushed around by banks like this that are definitely not out for the good of anyone other than their own gain. So are a lot of others.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MI)

I had an account removed successfully from my credit report around XX/XX/XXXX from creditor XXXX in the amount of {$700.00}. They illegally reinserted this debt by not sending me a reinsertion letter on bureaus end or creditors end but this is well within my rights. I disputed the account again and sent credit bureaus reinsertion letter once I seen that they reinserted this account on XX/XX/XXXX also I disputed the inaccuracies on this same account and ask them to remove it. I waited XXXX days for bureaus to investigate and nothing was removed I sent another follow up letter out to them XX/XX/XXXX still nothing. I also sent a debt validation letter to the collection agency that is reporting this account asking them to validate this account or remove it the collection agency sent me a bill for validation which a bill is not validating a debt, they also sent me a letter stating that XXXX still owns the debt but the collection agency is the one that is reporting this inaccurate information on my credit report how could that be? This debt has also been reaged open date has been changed since reinsertion. I have now sent a refusal to validate debt letter to the collection agency XX/XX/XXXX in response to their bill for my validation of debt request. I also sent a intent to file a complaint letter to the bureaus XX/XX/XXXX for failing to investigate and still reporting inaccurate information on my credit report. I know my rights and that is why I am now filing my complaint with you!
Consumer complaint received 2020-08-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MacDowell & Associates, Ltd. (CA)

After a repo, the lawyers doing collectios for the car company coerced me into signing a very vague Entry of Judgement by Stipulation by threatening to garnish our wages and which didn't disclose rates, or other important credit info. After 5 years of payments, ( {$150.00} a month ) I tried to contact them because I needed an extension of time due to being laid off. Instead they refused to talk, and then sent a letter of default which I never received. They immediately filed the entry of judgement by stipulation and assessed an additional XXXX to the account without even telling me this had been done or more importantly how it was done, or even explaining my rights. When we were notified of the judgement, we called and asked what we needed to do, and they asked for {$1000.00} in order to bring the amount current, and provided no disclosures of the extension of the term, additional charges, etc. When we asked for documentation to figure out when would this payment plan be done, the company repeatedly failed to comply on explanations of fees, checked our credit again, removed notes from credit report, and made not attempt to adjust the balance, that had been inflated by the filing of the judgement.
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The company Portfolio recovery calls multiple times every day 7 days a week.

This is harassment and a misdemeanor in my state.

I don't even have ANY debt in collections, they are calling for someone else. 
I once told them and they said they'd take my phone number off ( that was years ago ) and the scum company continue to call me daily!! 
I want it stopped.I plan to file a complaint with the PA AG office and possibly file a civil tort too!!! 
I am a XXXX  citizen.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was a Capital One credit card account customer in XXXX. Less than one year after opening an account I received a telephone call from Capital One 's Fraud Prevention department. The fact that fraud prevention had telephoned me on a Saturday afternoon isn't what struck me as particularly odd, it was the questions I was being asked. Apparently, someone ( s ) had obtained the pieces of personal information of mine necessary to submit an application for a line of credit. I assured the voice on the other end that I had absolutely zero knowledge whatsoever regarding an application for an additional line of credit. I began to ask questions of my own : what name was used on this application? What address was used on this application? Why would the fraud prevention department question me about applying for a second credit card when I could simply request an increase or spend from my checking account? ( My credit limit was less than $ XXXX. ) I was informed that Capital One was unable to provide me with any additional information over the phone and that my request would need to be written and mailed USPS. Several days later I handwrote my request and attached relevant documents, i.e. copies of I.D . and utility bill. I never received a response from Capital One and seeing as how I there was not additional follow-up from the company I put the matter out of mind. During the time that I was a credit card customer I paid my bill on-time - if ever, I were late with a payment it was a matter of days, not weeks or months or years. While I do not recall the exact month in XXXX, I do recall having telephoned Capital One. I don't recall the specific reason for contacting the company but I do recall there being a customer service issue that evoked an extremely irritated response/reply from me. This hadn't been the first time Capital One customer service proved to be sub-par. I disconnected ( hung-up ) the call without warning and without saying goodbye. Two to three days later I'd received a letter from Capital One informing me that due to 'fraudulent activity ' my account had been closed - I can only assume that whomever had closed my account following my gripe with customer service had been referring to that application for an additional line of credit that some XXXX had submitted months earlier. The letter instructed me to dispose of my credit card and to remit payment for my balance owed. There was nothing I could do after my account had been closed. I am just now filing a complaint with ConsumerFinance.gov because I had not been made aware of this agency. Having telephoned Capital One recently to inquire about whether the company would approve or deny a credit card application, should I decide to submit one in the near future, these events are fresh in my mind - or as fresh as can be.
Consumer complaint received 2020-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

This debt was paid in a settlement to XXXX  XXXX XXXX in XXXX of 2020 yet still reported as late and unpaid. I am only responsible for half of this debt and have a divorce decree I offered to provide documentation however was told I was still liable for the debt. I then asked if I could settle the debt since it is currently affecting my credit score. I have yet to receive anything in writing however the account was paid.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

They reported my citi card past due 30days I have spoken with Citi they said I have an agreement to pay them and wont reported on the credit reported due to my loss of income from covid 19, citi has it already in there notes that they were aware that I had loss my income from covid and they were going to help me out, I was never ever late on any of my accounts, I called everybody on my credit cards accounts that i loss my income everyone was on the same page, and citi bank was also aware, I need it removed please, I never was late on any of my accounts I make sure my creditors knew whats going on before hand. Thank you.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (GA)

I have a loan with COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ),  XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AZ)

I submitted a payment via XXXX XXXX at XXXX on XX/XX/XXXX, that was intended as a principal only payment. Santander applied {$120.00} to interest and {$270.00} to fees. I have no issue with the amount applied to interest ; however, I requested the {$270.00} to be applied to the principal balance or to the next payment but they refused. 

I am aware of the unlawful repossession fees they charged to me on the loan. I spoke with someone regarding a payment arrangement that was accepted and they repossessed the vehicle anyway. When I advised they could keep the vehicle, they gave the vehicle back for the same amount of the agreed-upon payment arrangement. This was in XXXX or XXXX and these fees have been on the account since that time and can remain there until the end of the loan. Please see the attached transaction history.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I've requested a reasonable settlement offer to compensate for damages due to accounts opened by Wells Fargo reps which I did not need or want, no reasonable offer made to date. Damages include lost interest on monies unable to deposit due to information reported by Wells Fargo to consumer reporting agencies, information has prevented me from opening deposit accounts for several years now. Wells Fargo has mailed me numerous mediation request forms, six filled out to date, no reasonable offer made to compensate for damages. A mediation session was made with Wells Fargo rep, XXXX XXXX, an offer of {$300.00} presented, then increased to {$500.00}, which again does not cover damages. The mediation session appears to only cover damages by accounts themselves, not damages stemming from them. Further, prior remedy offers made including {$3700.00} by XXXX XXXX and the last offer amount of {$500.00} do not cover damages including lost interest during time period from last Wells Fargo account closed to date.. Failing to make a reasonable settlement offer, I request Wells Fargo to STOP sending mediation request forms, if not, they will be refused. Also, I request a mailing address to file a lawsuit against Wells Fargo.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX, XXXX only reporting me late. There was definitely an error on their part.