davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (MA)

We cancel the services rendered by XXXX on or about XX/XX/2019, a year later I received a collection letter from a company attempting to collect a suppose debt that allegedly I have with XXXX, I called XXXX and they said that the services were never canceled, proof that it was cancel Is the fact that I still have same services thru them but with another account number that is current. I never received a bill or anything. They claim that the services were disconnected due to non-payment when In fact I had already canceled such account with them.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (FL)

On XX/XX/2018 a company called XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon researching about said trust on the SEC site I came across a Cease and decease order against the Trust. I hired an attorney and I am defending myself. 
However last week I was notified by the servicer that there is a new owner of my loan. So while I am being foreclosed by one company my loan supposedly is owned by another company XXXX XXXX. On my phone conversation with the person in charge of said company, XXXX XXXX XXXX, I was threatened with the following : I am going to come after you, your lawyer is a liar, etc. But most importantly, this company is refusing to pay the remaining insurance claim that the insurance company remitted to them already and the roof of my home is being repaired. Servicers cant withhold insurance claims proceedings. Please I need your help. It is urgent.
Consumer complaint received 2018-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: S.O.S. Loans, Inc. (CA)

This company has continued to call me at work. I have told them multiple times that I can not take calls at work. The most recent call was by XXXX ( for the second time ) at XXXX on XX/XX/18. I told him previously this was not a good number and I can not take calls at work. He calls again and I say the same thing and he says " oh no this is a great number to call you at ''. He poses as a customer in order to be transferred to me.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

After communicating with this debt collector several times to leave me alone, they still will not stop. They tried again today, XX/XX/2020, at around XXXX XXXX. I have communicated through written and verbal communication that I do not want to be contacted, as they have already reported me to credit bureaus without validating any debt. I recorded myself again tonight telling them to leave me alone.
Consumer complaint received 2021-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

My load was sold to PHH mortgage and they took my XXXX payment for my old mortgage company. I made my XXXX payment on the XX/XX/2021 and it was retuern to me on XX/XX/2021 and when i called to make by payment on XX/XX/2021 so it will not be late no one will take my payment over the phone and is tell my that I have a 60 day grace period that my credit will not be effect but it looks like Iowe 14mths of payment which the have made all payment before.
Consumer complaint received 2018-11-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I did not receive notice of the pending foreclosure of property XXXX XXXX XXXX XXXX XXXX Georgia XXXX. The deed of this property is titled in XXXX XXXX XXXX, XXXX and it has been so titled for a long time. After speaking with an attorney, I believe that I did not properly receive notice and I request copies of all documentation. I have contacted the foreclosing attorney office, but they have not responded as of today. 

I am no longer willing to subject myself to anymore stalls tactics by Chase. I am interested in leaving this property. Having repeated been denied modifications that I rightly deserved over the years have left me with a negative view of Chase. Each time I call, I am told different things to do. I no longer wish to pursue this matter through them, but I wish to contact HUD to obtain their direct approval for either a short sale or deed in lieu as soon as possible. I truly hope that someone can reach out to me. I am prepared to file bankruptch, but I hope that will not be necessary, since my goal is to vacate the property as soon as possible.
Consumer complaint received 2018-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

Today is XX/XX/2018 and for the past few days I have been in contact with XXXX XXXX   customer support team. I do believe that there has been a breach in the contract since contract expressly states that the loan is a daily simple interest loan which accrues interest on a daily basis. So when the contract says in plain english that " prepayment of principal may reduce the total amount of interest you pay under this agreement '' then I do expect to save money on the interest as stated. So on date of XX/XX/2018, I paid {$1000.00} so shouldn't I have saved on the interest according to the contract? But instead my balance went up more then the original pay off amount so I getting ripped off by these people while I am here trying to do what's right. Why am I paying more interest charges of the portion that has been paid in advance in a daily simple interest loan? This is not what I signed in the contract. I do also have copies of the email correspondence from Netcredit 's support team sounds like they gave me the run around. 

My total balance on XX/XX/2018 was {$1600.00} and I paid a total of {$96.00} on Friday and {$1000.00} on XX/XX/2018 so why is my balance {$600.00} Where is the reduced total amount of interest?
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (TX)

Settlement offer was given on XXXX XX/XX/2024 to pay off Apsire credit card for lesser than amount for credit card for {$420.00}. I made a payment of {$65.00} on XXXX XX/XX/2024, l spoke to a customer representative for Aspire Credit Card on XXXX XX/XX/2024 saying I would call back on XXXX XX/XX/2024 to do the pay off settlement for {$420.00}, but when I called back on XXXX XX/XX/2024 to Aspire Credit Card Services they gave me the runaround saying they never spoke to me about the pay off settlements! I really feel Aspire Credit Card took the {$65.00} dollar payment on XXXX XX/XX/2024 and screwed me by not doing the settlement payoff!
Consumer complaint received 2018-11-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data Search NY, Inc. (MD)

XXXX XXXX XXXX XXXX turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to Track America , INC . This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked XXXX XXXX to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX  ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SOME MEDICAL BILLS ON MY CREDIT REPORT, BUT THIS COMPANY IS VIOLATING HIPAA LAW. 

IM REQUESTING TRANSUNION TO REMOVE COLLECTIONS AS THEY VIOLATED HIPAA LAW. 

PLEASE BE ADVISED THAT UNDER FEDERAL STATUTES, THE FAIR CREDIT REPORTING ACT, ( 15J U.S.C. 1681 ET SEQ ) AND CALIFORNIAS CONSUMER CREDIT STATUTES, AND SUBTITLE D OF THE ARRA, SEC.13401. APLLICATION OF SECURTIY PROVISIONS AN DPENALTIES TO BUINESS ASSOCIATES OF COVERED ENTITIES, AND DEC. 134407 ( 1 ) BREACH OF SECURTY. 

THE TERM " BREACH OF SECURTIY '' MEANS WITH RESPECT TO UNSECURED PHR IDENTIFIABLE HEALTH IMFORMATION OF AN IDIVIDUAL IN A PERSONAL HEALTH RECORD, ACQUISTION OF SUCH INFORMATION WITHOUT THE AUHORIZTION OF THE INDIVDUAL YOU MANY BE HELD LIABLE FOR THE ACTIONS OF XXXX XXXX.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MS)

I am so upset this unknown company keeps harassing me by phone, US mail and other mediums about a debt that I do not owe. They stole my nonpublic personal information and are invading my privacy. I have a right to privacy and I did not authorize this company to use my private information. I wish to be left alone immediately. I wish for my information to not be used by this company in any ways. This is my property and I do not wish for this company to contact me anymore.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the  XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Consumer complaint received 2018-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

I have already handled this through another company through the CFPB and was told that it would be removed completely from my credit report. 

On XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX XXXX. via the CFPB saying " Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed. '' They responded and sent me a fraud packet to fill out and mail off to XXXX XXXX XXXX which has not yet been responded to ; Specifically they stated " On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) contracted XXXX to collect the unpaid balance of {$1600.00} from XXXX   XXXX, XXXX, TX. According to XXXX XXXX XXXX, the account became delinquent XX/XX/XXXX. Ms. XXXX   complaint revolves around fraud. Mr. XXXX may visit XXXX XXXX XXXX to obtain XXXX XXXX XXXX fraud process. XXXX has attached XXXX XXXX XXXX fraud packet to this response. XXXX XXXX XXXX provided XXXX with billing statements which has also been attached. '' regarding the fraud packet completion as part of their response. 

I would like to have this immediately removed from my credit report as it already was ; and I was told this would not be a future issue. 

Thank you for your assistance with removing this.
Consumer complaint received 2018-11-27
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. (CA)

I've just seen my credit report for the first time, and I see all the inquiries that I do not recognize. I'll list all of them here.

1 ) XXXX XXXX XXXX : XX/XX/XXXX : Never applied for Credit.

2 ) XXXX XXXX XXXX  : XX/XX/XXXX : Never applied for Credit.

3 ) XXXX XXXX : XX/XX/XXXX : Does not use XXXX. We use XXXX.

4 ) XXXX XXXX XXXXXXXX & XXXX XXXX XXXX : XX/XX/XXXX - it has 2 hard pull inquiry on credit report. Please combine into one, as two of them incurred on the same date of XX/XX/XXXX. Bought only one car.

5 ) XXXX : XX/XX/XXXX : Do not recognize this entity.

6 ) Furthermore, I only have 4 XXXX  Credit Cards, and on the Credit Report, it lists 6.

Please delete 2 of 6 inquiry.

Lastly, thank you for your help.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

My card number is XXXX I had bought this card alongwith 2 other cards which worked fine. this card didnt work. When I call the call center, as soon as i enter the card number i am redirected to the call center instead of being told balance or allowed to be set pin etc. 

I told the call center to activate the card and they told me its already active.

I called again and this time the person said he will register the card and it would work after 1 hour. It has been more than 15 hours and it still doesnt work either online or instore. I want to use it on the debit network and I can not even set the pin.

This is standard practice for US Bank and my second complaint in a week, except this time even after calling in they are not activating the card.

I keep getting an error to call customer service and customer service can not see anything wrong with the card. US Bank is again trying to steal money.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

The people at the bank ( both in person and on the phone ) have been either unwilling and/or unable to help me. They promised me a supervisor would call me back but no one ever called. 

I had a FREE checking account with XXXXXX/XX/XXXXand when they were bought by Peoples United Bank I was assurred by XXXX XX/XX/XXXX that the account would still be free. 

The account is seldom used and as of XXXX, 2020 it had {$100.00} in the account. Starting in that month, Peoples United Bank began draining this account down to zero and then closed the account. 

This was all during COVID and I was unable to visit their bank for the most part during this time. 

When I went there in XXXX to close the account is when I learned that the balance was {$0.00} and the account was closed by them. 

This was always a FREE account and I want my {$100.00} back that was taken by Peoples United Bank.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I have had multiple problems with Citibank. To include : They routinely locked my account and wouldn't verify that I was me. I had to go in person and sit with the banker ( showed ID and did all account processes ) and they contacted the bankers by phone to lift the hold on my account for verification. Then they would randomly re-lock it and I couldn't verify my identity. On the days it would let me XXXX to another account, it worked. Most days it wouldn't allow me to do it or take out the funds. I would have to go in person to the bank and verify my identity to get cash out instead. I did find that one issue was they mixed up answers to my verification process and I could never get them right because their answers were wrong and they refused to correct it. 

In XXXX I had them cancel my wire transfer, which was done in person with a banker, because of fraud and went through the same process of verifying myself and they almost didn't want to release the funds to a verified account. It took several hours. 

They should not be allowed to withhold funds and transfers because you can't verify yourself, based on their own system swapping questions to answers. At one point I realized this issue because they asked me a verification question I was never given as an option to answer at sign up or at any other point during my banking time. It seems more like they are trying to keep funds wrongfully. 

Additionally their online XXXX transfers would " error '' when I could verify myself. The in person bank said it was usual and to just try it on a different day. 

This was a repeated problem- they wouldn't allow me to access my funds. 

When I closed my account in XXXX of this year I was still do a tax document for interest on the account. To date they haven't sent it or uploaded it online. I've repeated contacted them via phone and via their online chat. On XX/XX/XXXX I was informed for the first time that I could no longer use the chat feature as they didn't have access to my account. Mind you, I used this feature repeatedly trying to find out where my tax document was. I was told it would be online, I was told it would be mailed. I was told it wasn't due until the end of XXXX. Finally on XX/XX/XXXX I was told that they couldn't help me with the chat feature and I had to call. When I called they told me they already mailed it at the end of XXXX ( to date no receipt ). I asked why they would tell me on the chat it would be published online or not given until the end of XXXX. They didn't have a good answer. Then the person on the telephone said they would have to get permission to give me any tax documents. After a hold I was told permission was granted for me to have the tax documents. They were due to me months ago and once again I am getting the run-around from Citi. 

Thank you.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Brinks must have purchased the company my security system was through, they would not come out and fix the cameras or the wall unit when i asked them to do it. I told them I wanted to cancel and they refused and said I had XXXX more years on a contract. I do not have a contract and never did for that length at a time and no contract with them at all. I asked for a copy of the contract and I cancelled the payment they were taking. I received no response. They started dinging my credit score, which was an XXXX and now a XXXX. I need this to stop and my credit put back to the XXXX. The XXXX XXXX  needs to provide me with a contract they say made the " service '' go XXXX years. The report it says opened XX/XX/2016. That was 8 years ago. They need to stop erroneously posting on my credit report.
Consumer complaint received 2021-09-15
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 — Investigation took more than 30 days
Company: Trojan Professional Services, Inc. (CA)

I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (TX)

I was notified on XX/XX/18 via credit monitoring service about a fraudulent inquiry appearing on my credit for Barclays Bank. I immediately called to advise them the inquiry was fraudulent and was advised their systems were down and that I would need to call back. I was alerted on XX/XX/18 that an account was established with Barclays Bank with XXXX XXXX. I advised it was fraudulent and the representative advised that only one declined  transaction was attempted and that the account would be closed right away. I also submitted a dispute with the credit bureaus and received a response that Barclays determined the account was mine and it now had a balance of nearly {$4000.00}. The account was opened with a fraudulent address in XXXX, AZ and with a fraudulent phone number. I have never lived anywhere other than TX.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

SYNCB on My credit report twice First hard inquiry-XX/XX/17-National Credit cards/Airline Second hard inquiry-XX/XX/17-National Credit cards/Airline Both of these are completely wrong- I have tried calling SYNCB, National Credit Cards, XXXX XXXX and XXXX   and I keep getting the run around.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AL)

On XXXX XXXX someone stole and used my discover card in a casino, I reported it as fraud but have been charged the entire amount on my card causing it to overdraw, max out and ruin my credit. {$2400.00}!!! was added to the account.My rights were violated by the Fair Credit Billing Act, FTC.I should have been charged a maximum of $ XXXX spoke to several people.XXXX told me my case was closed and there was nothing else he could do and XXXX, wouldn't give last name, spoke to him XXXX XXXX a supervisor, said would open case with new info, which I provided and possible scenario of what might have happened .No adjustments to account just overdrawn balance and many fees.Please Help, their XXXX fraud liability has not been applied to me.Also, someone could easily get my pin, just pretend to be me and giving them the info off my card and you enter the number yourself, fraud dept. should know this info already.Also, I don't want to file a police report to get my credit reversed, I feel like I'm being bullied.