davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

I had signed up for premium car rental insurance through American Express. In early XX/XX/XXXX I called to have this service cancelled. Since then they have continued to charge me and claim to have lost my cancelation and refuse to refund me the old charges. This is abysmal that they put the burden of proof on me to maintain a cancellation record ( they only send physical mail, refused to send me an email confirmation or a confirmation number ).
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Dynamic Recovery Solutions, LLC (CA)

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dynamic Recovery Solutions has been unlawfully harassing me every day Monday through Friday since XX/XX/2018 through today, XX/XX/2018 about a debt that does not belong to me outside of legally allowable phone call hours and they have continued to call despite my having repeatedly advised them that they have the wrong number - they refuse to state the name of the person they are calling for and keep demanding that I provide my social security number which I refuse to do since they have no legal authorization to contact me and keep ringing my phone outside of legal hours if they actually had a valid claim which they do not. 

This firm has a documented online history of unlawfully harassing and physically threatening persons who do not owe monies to them or anyone else.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RAB, INC. (SC)

XXXX XXXX and XXXX XXXX representing RAB , Inc. have contacted our business multiple times through phone, email and XXXX XXXX. They have spoken with 5 representatives from our company with only one being the owner. Both XXXX XXXX and XXXX XXXX have been verbally abusive in their language. We have asked them verbally and in writing to stop contacting us however, they continue to harass us. We have been sending payments to the company who hired them. Therefore, I do not understand why XXXX XXXX and XXXX XXXX continue to harass us. 
They have threatened to sue us, send a private investigator, have sworn at us, asked our employees if they like their jobs, called an employee a stupid women. This on going harassment has got to stop. 
RAB , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact Toll-Free : XXXX Local : XXXX Fax : XXXX Email : XXXX XXXX
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/18 while at XXXX, I was told I could save {$50.00} on my purchase by applying for credit car. So I did. A few minutes later, I was told I was declined. I didn't think much about it because I know my credit is good. But yesterday I received a letter from XXXX XXXX, Creditor dated XX/XX/18 that I was denied by Experian because I am " deceased ''. I attempted to call Experian this morning and speak with someone which is impossible. Then I attempted to contact them on-line and they are requesting that I send them numerous documents to prove I'm alive. 
My question is : Why shouldn't Experian be required to provide documents to me proving I am dead?!!
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (IN)

Received a telephone call at approximately XXXX XXXX  ( EDT ) from a gentleman representing himself as an agent for XXXX XXXX XXXX. He stated he was calling to follow-up on an inquiry I had made regarding debt consolidation. I had to ask for the gentleman to identify himself repeatedly. He claimed I had made inquiry about debt consolidation with Sequium and he was calling to verify my account information. I told him I had not made such an inquiry and wanted to know where he had gotten my phone number. I told him I would not give him any identifying information over the phone. The next day, I received a notice in the mail stating that Sequium was a debt collector and an account was sold to them for collection purposes. The caller misrepresented the purpose of the phone call by claiming to be a debt consolidation company and did not advise that he was a debt collector attempting to collect a debt and that all communication would be used for that purpose. He lied and was deceptive in his statements about being a debt consolidation company. This is a clear violation of the FDCPA.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

The law offices of mitchell d. bluhm & associates collections - XX/XX/18 - {$200.00}
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Reference : CFPB Case No. XXXX I received a letter from Citibank ( XXXX XXXX ). 

At no time for the promotion was I advised that there was a " Know Your Customer Program '' for purposes of marketing strategies to understand clients financial needs which required a series of personal financial questions which was not the business of Citibank nor did I wish to answer. 

This should have been disclosed ahead of time not lure people in with a bonus for a checking account and then get a run down on all their personal and private information. 

This is deceptive and a hardship to people who need to arrange transportatation to the bank,. etc.. Banks give you the option of opting out of sharing information with third parties or not engaging the help of financial advisors. You do not automatically get set up like this without the permission and disclosure to the customer. This is a disgrace for Citibank in keeping customers in the dark ; manipulating customers and not disclosing the truth about promotional offers ahead of time but only after they make a complaint on their deception thay mail you 8 pages of fine print..
Consumer complaint received 2018-09-05
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: EQUIFAX, INC. (NY)

I have reached out to the CRA ( Equifax ) several times with the same complaint. I have sent certified mailings with return reciept with the same complaint. please remove these 2 inquirys cause they do not belong to me. I have sent certified letter to XXXX XXXX XXXX as well with return reciept and still no responce. I did not apply for these services. 
Please REMOVE these inquirys from my report they do not belong to me. 



XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 2017
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (TX)

XXXX XXXX XXXX XX/XX/2016 Amount {$240.00} Phone of debt collector : XXXX Collector : Pendrick Capital Partners II LLC XXXX XXXX XXXX XXXX IN XXXX email : XXXX XXXX
Consumer complaint received 2018-09-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (MA)

I was in an accident which was not my fault in XXXX. I just took out loans on a brand new XXXX XXXX XXXX. We did not even have the vehicle for a month. No one notified us we had any outstanding balance until XX/XX/2018. We were told from XXXX XXXX that it was taken care of in full, we owed nothing. We contacted XXXX in XXXX, MA and they said they would take care of it. We heard nothing until XXXX from a notice dated XX/XX/2018 claiming we still owed XXXX. I asked them WHY and if they could send an invoice. They claimed they can not tell us WHY. So WHY should we pay a bill that we can not see WHAT we are being charged for? I called the dealership and the " manager '' said that the VIN number was wrong. She refused to also tell us WHAT the bill was for. I feel this is illegal especially because we do not know WHAT or WHY we are being billed this amount. They are threatening to take action if we do not pay this amount within 10 days. We do not have the money to pay it at the moment, and we were told we owed nothing by the other person that works at the dealership and he would take care of it.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXDOFED accounts opened XXXX/XXXX/2016
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE EMPLOYEES CREDIT UNION (NC)

I tried sending money to a friend on XXXX XXXX XX/XX/XXXX and it was sent to the wrong user both the user and my friend had the same name. The only verification needed before sending funds was that my finger be on the button. I noticed it went to the wrong Person when i got the request from the right person. But by the time I Realize what was happening it was too late. I tried emailing the company but their customer service did a awful job answering my questions. Both me and my friend emailed back-and-forth with the company and they gave us both a different answers. Both me and my friend emailed back-and-forth with the company and they gave us both a different answer. Also the customer service I was talking to a robot not a human.
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

In XX/XX/XXXX, Ditech Financial LLC, asked us to do a modification loan thriugh them, but it would be extended to 40yrs.So we declined offer.Also we are only two payments behind on mortgage, although they claiming its over 120 days.I have bank statements .So on XX/XX/XXXX, we got letter from XXXX XXXX XXXX XXXX and XXXX , XXXX that theywill start legal proceedings, giving us 30 days to dispute.Ditech also is holding a payment check of XXXX that i sent on the XX/XX/XXXX. They wont apply it to mortgage.They claim we owe XXXX.We have been assigned account rep.by name of XXXX XXXX.at XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received a postcard in the mail for my Citizens Bank One Deposit Checking account ( # XXXX ) The postcard offered a {$50.00} bonus for making three online bill payments with the new checking account between XX/XX/XXXX and XX/XX/2018. I made three such payments between XX/XX/XXXX and XX/XX/XXXX. 

Per the offer terms, that bonus was due XX/XX/XXXX. I have still not received it. I sent the company a secure message in XXXX and have still not heard back.
Consumer complaint received 2018-09-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CO)

72-month used-car purchase loan for me ( a senior citizen ) from Wells Fargo and 72 payments made on the loan. 2 payments deferred until the end of loan as allowed by Wells Fargo. An insufficient disclosure was given to me stating that the deferments would require that more than 72 payments be made on the loan given how 2 months of interest payments would be deducted from each months payment subsequent to the deferment before reducing the principal balance. XX/XX/2018, statement received with a due date mentioned of XX/XX/2018. I was advised on XX/XX/2018, via letter that the remaining balance was due on XX/XX/2018. There was no " 10-day '' notice provided. Statements for XX/XX/18 reflect late charge may apply after XX/XX/18 and also indicate payment due XX/XX/18, statements for XXXX and XXXX reflect a similar pattern. I contacted Wells Fargo numerous times saying balance appears inaccurate. I contacted Wells Fargo on XX/XX/2018, and entered into an oral payment arrangement with Wells Fargo and made subsequent payment the next day in the amount of {$200.00} which they posted on XX/XX/XXXX. I was contacted subsequently by Wells Fargo who informed me that my account was in charge-off status. The accounting that Wells Fargo has provided to me does not agree with the balance as indicated on my statements or credit file ( charge-off ). Wells Fargo by placing me in " charge-off '' status has cut-off my access to my online Wells Fargo loan account so that I am no longer able to do any research into the balance on my own. Even the accounting that they provided to me ( please see attached ) when I questioned the balance yet again does not reflect the amounts they are reporting to the credit bureaus {$1000.00}. Also, the last due date reflected on their accounting was XX/XX/XXXX, so how could I be late on payments? They need to provide new due dates. Please see attached. I have asked to speak with the complaint department and was transferred to a telephone line where no one picked up and there was no way to leave a message. I tried online via the Wells Fargo website to locate a complaint address ( physical or email ) and was unable to do so.
Consumer complaint received 2018-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (VA)

Enclosure XXXX XXXX XXXX XXXX, VA XXXX Ref. Home Equity Loan XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Nations Lending Mr. XXXX XXXX XXXX Loan Officer NMLS # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX : Mr. XXXX XXXX XXXX Dear Mr. XXXX : SUBJECT : Loan Number XXXX In follow up to our XX/XX/XXXX telephone conversation, the purpose of this letter is to once again request the fulfillment of the loan services advertised by your company. 
On XX/XX/XXXX, the requested {$500.00} check made to your office, cleared my financial institution. Shortly thereafter, I received the enclosed letter dated XX/XX/XXXX from your office requesting additional documentation/outstanding information. I complied with your request for the additional information however ; I have not received compliance from your office as of this date. 
If you are unable to provide the service marketed by your company, please refund the initial {$500.00} as an act of goodwill and closure. Please provide a written response to this letter within thirty ( 30 ) days. 
Sincerely, XXXX XXXX cc : CFPB file
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have a collection account that is reporting on my credit report from XXXX XXXX I have paid this collection and in turn received a letter from XXXX confirming that they will indeed request the credit bureaus to delete this account. This occurred on XX/XX/XXXX, however, as of XX/XX/2021, the derogatory account still remains on my credit report despite written confirmation from XXXX that it would indeed be deleted and that a request has been sent for deletion as well. I have attached the letter from XXXX below.
Consumer complaint received 2019-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NY)

I hereby submit an answer to a lawsuit that is completely baseless. XXXX XXXX XXXX is currently defending against several class-action lawsuits nationally. The lawsuit against me is no different as the original debt in question was never legally transferred from a securitized trust, thus there was never a transfer of ownership. This continuous problem is all predicated from the 2017 Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX. The lawsuit against me must be dismissed by the XXXX XXXX XXXX lawyers Pressler, Felt & Warshaw, LLP, a law firm that has already been penalized by the CFPB for filing abusive collection lawsuits in New York and New Jersey.
Consumer complaint received 2019-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I XXXX XXXX HAS NO CONTRACT WITH THIS COMPANY THESE ARE THE FOLLOWING ITEMS THAT IS ON MY CREDIT WITH THIS COMPANY. 
XXXX XXXX / XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX /XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (TX)

after using my wells fargo credit card, with no missing payments since XX/XX/2011. i am shook at the fact that it never got its graduation to a non money backup credit card. Now because of them placing a what they call a usual verification on a {$10000.00} check from my retirement account. i wasnt able to make a payment and after explaining this to wells fargo as the reason for getting off cycle. they claimed my account was closed, by me saying it was apart of the agreement to the securely back credit line. I wasnt the one asking to close this account, but wells fargo is seeing to mark in my report that i was. Also making 2 of my payment as 30-60 days late while showing the account as closed. im upset at the fact that i got this account to help with my credit while believing in the fact it wouldve gotten a graduation to a insecure account.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (AZ)

I was the victim of a scam by some unknown person who had me contact he or she through their personal phone number ( XXXX ) XXXX on XX/XX/2018. I was trying to buy these shoes from XXXX and I foolishly sent money ( {$270.00} ) to this  person that told me to contact them directly instead of going through XXXX. I sent them money through XXXX XXXX and unfortunately never received these shoes. My bank, Chase bank, said they could do nothing about it since XXXX XXXX is a money transferring service. I dont know who this person as I never got a name from them.
Consumer complaint received 2018-09-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HORIZON BANK (FL)

In XX/XX/XXXX, I paid off my auto loan. I can not see the XX/XX/XXXX transaction online. The banks online system indicates I can see XX/XX/XXXX, transactions but will not display the transactions. We are in XXXX and can't check to see if our title was returned to us. XXXX XXXX was purchased by FirsXXXX Tennessee Bank subsequent to me paying off the loan in full. In XX/XX/XXXX, the online banking systems were merged. The transition was done very poorly, and the system still doesn't work properly. On XX/XX/XXXX, we moved from XXXX XXXX XXXX, XXXX to XXXX XXXX, XXXX. I transferred the balance in my checking account to my new account and left the account open in case a direct deposit was made incorrectly. On XX/XX/XXXX, {$.00} for interest was deposited to our account. On XX/XX/XXXX, a direct deposit for {$53.00} was made to the account. On XX/XX/XXXX, our account was charged {$280.00} for a loan payment and {$37.00} for an overdraft charge. The charges were posted to our account without written or verbal notice that anything was due or that the bank intended to charge our account. This was done 10 months after the auto loan was paid off in full. On XX/XX/XXXX, {$25.00} was charged to our account. On XX/XX/XXXX, another {$25.00} was charge to our account. We were not notified our account was in an overdraft position, either written or verbally. On XX/XX/XXXX, I discovered the bank charges and contacted the bank to see what the {$28000.00} charge was for. They stated it was for interest on the auto loan I had paid off 12 months earlier. The bank did not provide any evidence or documentation. They removed the {$37.00} charge and the 2 {$25.00} charges but refused to remove the {$280.00} interest charge. There is no way the interest charge is correct. The bank can not charge interest on a loan that was paid off 10 months earlier and certainly not after the bank was purchased and merged into another bank. The merged bank has proven repeatedly that it is less than competent. This bank should be strongly censured.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

In XXXX, I wrote to each of the bureaus and asked them either verify the personal information being reported or delete it. I have a generational name and do not want my reports mixed or merged with a family member with a similar name. These inaccuracies are preventing me from receiving credit approvals.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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