davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

I contacted Midland Funding on or around XX/XX/2019 and was given the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX at XXXX and spoke with XXXX ext XXXX. A recorded agreement was made with XXXX that I would pay {$1300.00} on account # XXXX and {$3600.00} on account # XXXX. Two separate checks were sent to XXXX XXXX XXXX via certified mail the checks were received and cashed on XX/XX/2019. I was told that they would send me information that I have not yet received as well as they did not report to Funding that the payments were received. False information continues to be reported to the credit bureaus. This has also been reported to the credit bureau. XXXX is reporting that the information of said payments have not been made and that what Midland Funding reports has been " verified. '' I have copies of checks that have been cashed my XXXX XXXX XXXX and would like them to be just in the information that the are refusing to submit.
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/2019 I downloaded the money gram app to send money for business services to a friend in Ohio. I live in XXXX. I sent {$1500.00} and money gram fee was {$19.00}. a few minutes after I sent the money and received notification that my transaction went through. I then received another email stating my transaction has been cancelled and I will receive a refund within 3-10 days. at this point I called money gram asking them why was my transaction canceled they told me for security reason to protect me and the person receiving the money. I said that's not even a valid explanation and why isn't my money returned to my bank account immediately. I been calling them since XX/XX/2019 and they can not help me I even called my bank to see if they could release my funds and my bank said they cant release my funds until they receive something from money gram showing they cancelled and voided the transaction. money gram also tell me they cant send my bank over anything that I just have to wait. I don't have any money. XXXX is a lot of money for money gram to be holding my money for no reason if they really cancelled the transaction.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I am filing a complaint against SLS Loan Services. They are making up numbers about my escrow account and refusing to take XXXX off my principle balance on my 73rd month of my Hamp loan modification. ( XXXX of 2019 ). I am willing to pay the XXXX shortage amount and the new monthly payment of XXXX I get no co-operation and they are trying to get me to go into forclosure. I am currently ahead on my house payments. ( paid thru XXXX ) SLS requires a minimum cushion of XXXX which I paid on XX/XX/2019. They are making up numbers and trying to confuse me on purpose. I have contacted them and the XXXX  many times without response.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2019 Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX RE : Demand notice Savings -XXXX closure and bonus To Whom It May Concern : On XX/XX/2019 I opened Citibank checking and savings accounts in response to an advertised {$500.00} bonus. 

On XX/XX/2019, I was informed that Citibank would be closing both accounts on XX/XX/2019. Only the checking account was closed on or about XX/XX/2019 On XX/XX/2019, I was informed that my deposit accounts will be closed in approximately 30 days if I did nothing. 

On XX/XX/2019, I attempted to close my savings account via phone and chat. I was specifically told that Your account will be closed in 1-2 business days, not including holidays or weekends. The savings account remained open. 

On XX/XX/2019, a $ XXXX monthly fee was charged to my account. 

On XX/XX/2019, I again asked for this account be closed. The chat representative was unable to waive the fee and thus, could not close the account. 

It appears that Citibank is charging customers for its own incompetence. 

Now, I respectfully demand that 1. The savings account be closed with a zero balance and 2. Citibank pay the advertised {$500.00} bonus. 

Else this matter will proceed to arbitration with all costs borne by Citibank. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (FL)

Opened a credit line with XXXX XXXX XXXX and their XXXX card when I got XXXX XXXXXXXX in XX/XX/2015. I was pushed to sign up for paperless statements from their customer service team when I first called to get the details of my account ( when bill is due, min due, etc ). I signed up for the paperless statements, and call every so often to get status updates on my account. Nobody ever mentioned that the promotional time was coming up to have the bill paid off otherwise I would be hit with all the back due interest. I think it is crazy that they push people to sign up for paperless statements, but never actually give people the statements, they simply send an email that the statement is ready and you need to go jump through hoops of logging in and finding your statement on their website. They are pushing people to sign up to never actually receive a statement. They don't inform customers of important dates coming up. 

XXXX knowingly and fraudulently creates a system to make it more difficult to manage important dates and terms of your account, solely to maximize profit on the backs of unsuspecting consumers.
Consumer complaint received 2023-01-04
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have several accounts that reporting on my credit thats not mines and old information over 7 years that's no mines as well. I really need help I received a letter from XXXX account XXXX stating they will delete the account if I pay 50 %. I said no because its not my account. I believe the system is designed to hold you back and make money from the consumer. Accounts not mines reporting on my account. 
XXXX XXXX acct XXXX XXXX card XXXX year XXXX XXXX  XXXX positive XXXX, negative on Transunion year XXXX XXXX XXXX not mines and it has XXXX XXXX. year XXXX XXXX  XXXX XXXX XXXX closed XXXX XXXX  XXXX XX/XX/XXXX XXXX not mines XXXX XXXX  XXXX XXXX XXXX not mines don't know where it came from
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I received a preapproval letter from Wells Fargo for $ XXXX. We entered into a contract to buy a property on XX/XX/XXXX with a closing date of XX/XX/XXXX. On XX/XX/XXXX we received a GFE   for the loan from Wells Fargo. We were verbally told that closing would proceed pending final approval. However the loan was not approved. Despite not approving the loan Wells Fargo proceeded to conduct an appraisal and charged my credit card {$480.00}. The Appraisal was conducted on XX/XX/XXXX after they had told me the loan was not approved. 

I was not aware the appraisal was conducted until seeing my credit card statement and receiving the appraisal in the mail. I contacted XXXX XXXX, my mortgage banker at Wells Fargo who stated " it was my understanding that the appraisal was canceled and that you should receive a refund on your fee '' however nothing was done. I then disputed the charge with XXXX XXXX, and Wells Fargo successfully fought the disputed charge which was then reinstated on my account on XX/XX/XXXX. In subsequent conversations and emails with XXXX XXXX, he recalls the situation and has encouraged me to complain to Wells Fargo management.
Consumer complaint received 2023-01-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALAMEDA MORTGAGE CORPORATION (CA)

FDCP act and XXXX act violations are now in the XXXX XXXX XXXX of dollars for statutory damages. Civil code violations are adding up to over {$XXXX} in statutory damages. Criminal violations can be prosecuted my ME!!! 

For the XXXX time : where the XXXX did you apply my money. Escrow is insufficient. You are on a desist order to make accurate monthly accounts. Your complete disregard for the law is astonishing. What escrow? Taxes or XXXX or both. Where did u apply the money!!!
Consumer complaint received 2019-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (MO)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


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 2019-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group (OH)

The revenue group which says they are from the Ohio attorney general office claims I ( or my business they refuse to tell me which ) didnt pay state sales tax back in XXXX I informed them this is a mistake I this was a very small business and my average collected sales tax was only a few dollars a month and I never missed or was late on my remittances. 

They claim I ( or my business ) owns them over XXXX dollars! 

I make XXXX dollars a week and can not afford legal help my business closes on XXXX
Consumer complaint received 2019-07-02
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: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.
Consumer complaint received 2016-06-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

Chase mortgage offered us an attempt to receive a modification or repayment plan last year in XXXX. If we were to be denied the modification they would foreclose on our mortgage. Chase had already denied us XXXX attempts for modification therefore we chose the repayment plan. We were instructed not to give any payment until XXXX of XXXX ( amount of {$320.00} ) and continue with XXXX payments of {$1100.00} ending on XXXX of XXXX. During the whole plan they would place our payment in suspense for a month each month. Then when we gave our last payment on XXXX XXXX, XXXX they called us to inform us our payment was for XXXX, XXXX and that we were late a payment. Chase also indicated that they had {$380.00} in suspense after we gave the last payment because we did not pay enough to cover the XXXX payment. Our repayment agreement states that once we gave all the payments ending on XXXX of XXXX we would be current. We fully understand that we had an escrow shortage for the year ending in XXXX and our payment increased beginning in XXXX for monies owing of {$130.00} ( {$43.00} times XXXX ) which is for XXXX payment amount differences. In XXXX they paid our house insurance which is after the escrow analysis in XXXX of XXXX and they are asking for that SHORTAGE amount now not until XXXX, XXXX as should be. Our payment was already increased for shortages for last year as explained above. They are stating that our payment was not enough to cover our payment because the increase of the insurance. Usually the shortage for this year is collected the following year or you are given a choice to make up the difference for your payment not to increase. The biggest complaint is that according to Chase we have not made the XXXX payment and we have paid every payment as asked for other than the new payment difference to cover the escrow payment difference for LAST YEAR. The manner of showing a payment not given to cover following year 's shortage does not seem to be as in our original mortgage loan documents to be collected the following year and addressing the shortage as a late payment does not seem to be right. We fully understand the shortage has to be paid we just never have seen it collected as a late payment unless the payment was assessed in XXXX which it had not because the shortage is for XXXX.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

Hello, I tried to transfer money from my card to my bank account approximately XX/XX/20 but the money was returned to the card. When I called the card to find out why they said the card was restricted and they needed me to send a picture of my drivers license to have the card unrestricted. 

I faxed a copy and they said it was a little blurry and to send another. I faxed in 2 more copies and uploaded a copy on to their website and have been waiting over a week and still have heard nothing. Everytime I call they just say it's pending and don't have any other information.
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CO)

I received an email after I had already received physical mail by a credit company named LVNV Funding, where they were offering me a discount on the debt I owed. This was followed by numerous and repetitive phone calls for me to pay this " great '' discount on my debt owed and how I had to hurry and pay before the discount offered would expire. I requested more information on who the original creditor was by a response email and how I didn't believe I owed this debt as it isn't on my XXXX, XXXX or XXXX credit reports. When they replied with the information, they stated the original creditor was XXXX XXXX utility bill from 2014 with an amount close to about {$1500.00}. Then they sent me another email, to which I now get one email from LVNV Funding about once a week where they offer another so called " great '' discount on the amount I owed or they will just state that I owe the entire balance and to pay now. However, at the bottom of each of these emails states that because my debt is passed the statue of limitations they can not legally sue me for this past due amount and they can not report me as negative on my credit report. So why are they allowed to harass me with numerous emails and random phone calls? If I'm legally not obligated to pay this amount due then shouldn't they be obligated to cease in contacting me? It's very stressful and I would like for them to be held accountable for not following the Fair Credit Consumer Act.
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Paypal had an account that they had maintained for several years. Paypal concluded, per their website, that I had violated their user agreement adn said I could then withdraw any money they had after 180 days. If this wasn't sleazy enough, they have held the money for longer than 180 days. Operators acknowledge that I can withdraw my money now, XX/XX/XXXX, becuase the 180 days has past. However, there is a " technical '' error every time i go do do that. 

If you will look at the excel sheet i am submitting, you can see that as of today, XX/XX/XXXX, it is 187 days. 

So it just seems that paypal induced me to use their service, accused me of something, but wont ' tell me what, and now won't return my money for 180 days. HOwever, tehy won't return my money after 180 days either. It would seem Paypal is just keeping myh money. Seems like a good business, 100 % profit. 

XXXX XXXX
Consumer complaint received 2016-06-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (FL)

We are requesting of you to fully investigate the accuracy contained in our credit reports. We further believe the credit bureau, XXXX & TD bank are in violation of the following. 

Fair Credit Reporting Act ( FCRA 15U.S.C.1681 Section 616- Willful Non Compliance Section 617- Negligent Non Compliance Section 621- Administrative Enforcement In addition we are requesting to have the entire trade lines Deleted and for the credit report to be marked as Closed Without predijuced
Consumer complaint received 2022-07-16
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. (MI)

I was told my credit was going to be ran once for auto loan it then was ran multiple times through XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX and XX/XX/2020 XXXX
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: LOBEL FINANCIAL CORPORATION (AZ)

Good morning! About 5 years ago I was with a guy who purchased a used car from a dealership using a company they recommended to finance. The sales guy was extremely pushy because he noticed that neither the guy or myself had any experience with the process of buying a used vehicle. I was peer pressured into co signing by both the sales rep and the guy I was with, even though it was not disclosed that I would be responsible for the vehicle if I am co-signer. The sales representative also required us to put a card on file and said that I should put mine, since my credit score was better. He said it is just for their records and that card will not be charged. The down payment that day was {$400.00} and it was paid in cash by the guy I was with. Suspiciously, a few days later that same card go hacked ... 
About a month of two later the guy found out that the vehicle was defective and the problem was temporarily fixed before he purchased the vehicle, so he returned it XXXX voluntarily it was not repossessed ). At the time of him returning the vehicle I was not even in the country or made aware of the situation. 
Fast forward, now I am dealing with the consequences on my credit score for signing under duress and the company 's false advertisement. I have done extensive research and have found many similar stories.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am open this case again because Bank of america kept close the case without give me an answer. 

First : Iam requesting bank of America to provide me the steps and the process that the bank has been taken to protect my money and my account from the fraud as their liability to protect my money. 

second : the bank did not informed me that my account under fraudulent, just the bank and the managers when i called to see why my account freeze they kept told me that the account under hold and investigation they refused to informed me that my account under fraud. 

Third : I have been in FBI XXXX  XX/XX/2017 to  complain that i got fraud and the company scammed me and the bank seized my money. 
An agent on duty the was called the bank trying to help me and explain that iam a victim and under fraud and the FBI Agent asked the staff in the bank in the close account department why you did not recall her money why you did not protect my account the staff replied that the bank will not recall because the money in the danger area. 


please am request bank of america to send me and my lawyer the steps that has been taken to protect my money and to protect my account as a customer and the liability for the bank to protect me. 


why you did not informed me that iam under fraud? 

why when i told you as the bank dont resend the money to XXXX XXXX their are scamming me and i have instruction from them to wired the money, Nobody from the bank hear me or applied to take from me any information to help me. 

Please send me the steps and the action that has been taken from the bank to protect me. 

please dont close the case without send me the steps and the action that has been taken from the bank Thank you