davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS Biggest complaint is receiving a call after XXXX on XXXX. Calls numerous times daily from different phone numbers even though Ive refused contact with them. Same name XXXX XXXX with different phone numbers leaving voicemails. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services (KS)

I have student loan with XXXX ( XXXX XXXX XXXX earlier ). 
I am making regular scheduled payments or auto draft from my bank account. I noticed that all the payments goes toward the interest and nothing toward the loan principle. 
Contacted the company for explanation and the agent but was not able to give straight answer and stated later will see reduction on my principle. 
There is no explanation or monthly bill from them and on their web site just have the payment history. 
Recently, after being frustrated with their practice, I re-finance my loan. But I was charged more interest again could not get any answer either by trying to call the company or getting on their web site
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I did research on XXXX XXXX XXXX and I found that Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a XXXX bond on file with the XXXX   of State of Texas. As of XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) bond status for the State of Texas shows Canceled Close. This indicates that they are not legally allowed to attempt to collect any debts in the State of Texas. XXXX XXXX XXXX, XXXX ( XXXX ) is the company reporting on my credit file for the amount of ( {$920.00} ). I reached out to the company via certified mail multiple about the debt not belonging to me and also that that they are not legally allowed to report in the state of Texas. I have filed a fraud complaint with the Attorney General of Texas, after a follow up call with the XXXX of State of Texas.
Consumer complaint received 2018-03-21
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: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, Wells Fargo Bank automatically paid an internet social media subscription vendor called XXXX XXXX {$89.00} for a 6-month renewal fee from my Easy Pay Debit  Card account. This happened despite the fact that I had previously emailed XXXX XXXX  to change my subscription plan to a lower {$59.00} fee. XXXX intentionally delayed in replying to me so it could charge me {$89.00}. The original 6-month fee I paid to XXXX XXXX in XX/XX/XXXX was only {$44.00} and their automatic {$89.00} charge was sprung on me by surprise. I fear Wells Fargo Bank would have automatically paid out any amount XXXX  XXXX charged me without ever bothering to get my re-authorization first.

I immediately phoned Wells Fargo Credit Card Claims Assistance to file a claim that I had been overcharged {$30.00} ( {$89.00} - {$59.00} = {$30.00} ). Wells Fargo confirmed to me that {$30.00} was refunded via their Claim # XXXX. I thought this resolved the matter.

However, XXXX XXXX subsequently sent me emails that since Wells Fargo had a " claims investigation pending '', they had cancelled my subscription entirely and I would have to pay them {$59.00} again to restart it. As far as I knew, XXXX XXXX already had collected and kept {$59.00} from my {$89.00} payment. But XXXX XXXX insisted I would have to get that refund from my " bank '' which is Wells Fargo.

When I contacted Wells Fargo Claims again by phone I was told the case was closed and could not be re-opened. I even wrote a letter with full email documentation to Wells Fargo Senior VP for Claims Assistance XXXX XXXX XXXX about this, and he ignored it. 

So XXXX XXXX insists Wells Fargo must process my {$59.00} refund, and Wells Fargo refuses to do anything about it. Given Wells Fargo 's history of questionable banking practices, it may have created some internal procedure to keep my {$59.00} for itself. I would consider that fraud! 

I am already siphoning my accounts to other banks that provide proper customer service.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I went to purchase a camera from a seller on XXXX  and sent a payment to the amount of {$550.00} on XX/XX/2022 via XXXX through JP. Morgan Chase. The transaction proved to be fraudulent when the next day ( XX/XX/2022 ) i contacted the seller and discovered that the item was never in their possession to begin with. I tried to get my money back from them and they refused and ceased contact. I tried to dispute the charge with the back but they claim not to be able to recover funds lost to scams. I then researched similar scams and found steps to take to dispute/recover scammed funds and am now filing this complaint for help doing so. 

Below is attached a screenshot from the seller confirming my payment for {$550.00}, my name included. And what I assume to be other similar scams done to others.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

I previously made a complaint about PNC closing my account without an explanation. Now the PNC bank is retaliating against me by holding all my funds and not allowing me to access my money. I have over XXXX dollars in my checking account and can not get XXXX dollars at the ATM, This is a very volatile situation, and I dont want this to escalate into a criminal situation. Please have PNC to release my money since they dont want me as a customer.
Consumer complaint received 2018-03-21
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)

XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Collection Professionals, Inc. (IL)

ADV COL PRO has Placed a Collection Account on My XXXX Consumer Report Date Opened XX/XX/XXXX Balance {$730.00} Date Last Active XX/XX/XXXX Without providing Prior Notice Or Validation Information under 12 CFR 1006.34 ( b ) ( 5 ) I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The Date Last Active is Impossible to Be Accurate.

The Statute for Collecting Debt in the State of Illinois has Clearly expired.

ADV COL PRO Collection Company is violating my consumer rights by Using False, Misleading, Misrepresentation, and Deceptive Means.

ADV COL PRO Collection Company has no authority to furnish any Account to a Consumer Reporting Agency Without providing any and all disclosures Required by law and are in clear violation according to 12 CFR 1006.34 ( d ) AND 15 USC 1681-S2 ( 7 ) ( A ) I Dispute Owning Any and All Alleged Debt to this Collection Company. 
I Revoke All Rights of this Collection Company from Communicating with Me via Mail, Email, Text or Telephone Calls. 

I am requesting Proof of Notification that this Collection Company may claims I was provided prior to this Account being added to My Consumer Reports. 
I am requesting the Method of Validation for this Alleged Debt.

I am requesting the Purchase Agreement between this Collection Company and the Original Creditor that this Alleged Debt was Purchased from.

I am requesting Proof that this Collection Company is Licensed and Bonded to Legally Operate as A Collection Company.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

XX/XX/ XXXX XXXX XXXX bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XX/XX/XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but XXXX has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.
Consumer complaint received 2024-02-16
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. (FL)

Transunion is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Transunion written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.
Consumer complaint received 2017-10-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

We love our XXXX Infiniti Q50 with 3.7 litre engine. It is an excellent car. We bought it on a 39 month lease which ends in XXXX XXXX. Infiniti USA has been soliciting us to return the car for the last ( 3 ) months offering incentives that release us from the last few months of the lease. When we went to the dealership to pick up a new Q50, we found that the car did not have the same engine. Our current Q50 has a 3.7 Liter Engine and the new Q50 's all have a 2.0 or 3.0 Turbo configuration. Because they are using the same chassis, the car is loud and does not drive the same. We took the car back to the dealership. We contacted Infiniti and said the only Infiniti car that meets our desires is now the Q70 with 3.7 litre engine. But the Q70 is a larger and more expensive car. We are reasonable, we are fine with paying more for our current car with inflation, but the delta to the Q70 will require incentives from Infiniti to bring down the price. A Q70 is not affordable. We believe that Infiniti is engaging in a bait and switch to make us buy a Q70. They are forcing us to turn in a car of a higher quality and value for a lower value car. Because it is a lease contract we are required to pay a lot of money to turn in the car and buy another brand. When we tried to work with Infiniti USA, they gave us a case number XXXX and ultimately offered free maintenance, which is in actuality is 5 free oil changes. A XXXX company like XXXX really should not be allowed to treat us US consumers like this.
Consumer complaint received 2022-09-07
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. (VA)

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 finish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2017-10-15
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 — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (TX)

I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.
Consumer complaint received 2017-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (VA)

SunTrust has failed to honor the terms and conditions of a promotional offer called SunTrust Deals. For this specific offer, customers were eligible for {$75.00} cash back for making two transactions with XXXX XXXX XXXX XXXX with an eligible SunTrust card on wireless products or services of at least {$15.00} by XXXX/XXXX/XXXX. The offer says that the {$75.00} cash back is earned within 30 days after making the second transaction ( see attached offer ). 

I used my SunTrust debit card to make two separate transactions with XXXX XXXX XXXX XXXX - for {$31.00} on XXXX/XXXX/XXXX and {$41.00} on XXXX/XXXX/XXXX. However, SunTrust has failed to provide the {$75.00} cash back within 30 days of the second transaction, which would have been XXXX XXXX. When I called SunTrust 's XXXX number, the customer service representative said that the cash back appeared to be pending but was evasive on the timing or probability of payment. The representative admitted that SunTrust had a pattern of not always honoring promotional offers. 

Attached is a copy of the promotional offer plus my statement verifying that I complied with the terms of the offer.
Consumer complaint received 2018-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

As owners of the property, XXXX XXXX and I approached Rushmore Loan Management Services several times to make an offer to settle the mortgage. XXXX . XXXX is the sole mortgage holder, but she has signed several powers of attorney giving me authority to speak on her behalf with XXXX, and she has told XXXX staff person XXXX XXXX to speak with me. I have spoken regularly with him, but he has been unwilling to help. 

First, he said repeatedly that he would set up an appraisal that I would pay for ( which I agreed to ), but he has never followed through. Second, XXXX . XXXX has qualified for a modification, but once he started dealing with me, he cancelled that modification. Third, every time a court date approaches, he calls to say he wants to resolve the matter and makes promises that he doesn't keep. Then at court the lawyer for XXXX tells the court that they are working with us, which isn't true. Fourth, I have arranged for potential buyers, including XXXX XXXX, a real estate investor. Although XXXX XXXX began a conversation with XXXX XXXX, when he learned that I was involved with obtaining this buyer, XXXX XXXX changed his mind, even after XXXX XXXX submitted all kinds of information, everything XXXX XXXX asked for. Fifth, I made an offer myself and, at XXXX XXXX 's request, submitted proof of funds. Yet he has refused to negotiate and make counter offers. Sixth, he continues to go back to XXXX . XXXX  even though she has told him repeatedly that she does not want to keep the unit and wants him to speak with me. 

We have wanted again and again to settle this matter. The judge keeps telling both sides that he wants us to resolve this before the next court date in XXXX. I am obtaining the transcript from the last two hearings where the judge has told us to get this settled and will forward it to the CFPB when I have it. Yet, XXXX has brushed me off again and again. XXXX XXXX has tried to side step working with me. He has made this personal and has been very disrespectful to me over the phone. His attitude has been very unprofessional.
Consumer complaint received 2017-10-15
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: Experian Information Solutions Inc. (AK)

I sent a validation request on some accounts by certified letter over 30 days ago and I have received nothing what so ever on my request to validate these accounts. I know for a fact the letter was received because it was certified.
Consumer complaint received 2022-11-17
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. (TX)

In accordance with the Fair Credit Reporting Act Account Number # # # # # # XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-29
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX #, has violate 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. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 finish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2022-01-05
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-02-28
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

The following is in response to Select Portfolio Servicings ( SPS ) letter dated XX/XX/XXXX, referencing CFPB complaint number XXXX. Please allow me to outline my continued unresolved issues/concerns. 1- SPS continues to claim XXXX XXXX XXXX XXXX , as indenture trustee for the holders of XXXX Trust XXXX ( note this has changed several times ), is the owner of the account. However, SPS has never provided any documentation substantiating this claim. A Notice of Servicing Transfer does not constitute XXXX XXXX   XXXX XXXX alleged legal ownership of the account. Please provide documentation legally substantiating this claim. 2- SPS has yet to provide me with copies of all property inspection reports charged to the alleged account and dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 3- SPS continues to claim, Our records show that the property address reflects the property address on the note. This statement is clearly a false misrepresentation of the facts. First, the alleged note states, YOU ARE GIVING US A SECURITY INTEREST IN  THE REAL PROPERTY AS DESCRIBED IN THE MORTGAGE AND LOCATED AT : XXXX XXXX, XXXX, NY XXXX. Again, an address is not and can not be used to legally describe a property secured by a mortgage. In addition, even if it could, as I have stated numerous times, the PROPERTY AS DESCRIBED IN THE MORTAGE, is not the property ( metes and bounds ) coinciding with the property address of XXXX XXXX, XXXX, NY XXXX. Additionally, the two previous notes and mortgages ( XX/XX/XXXX & XX/XX/XXXX ), allegedly consolidated with the alleged XX/XX/XXXX mortgage have two different addresses, which is XXXX XXXX, XXXX, NY XXXX. The zip code XXXX is not even the correct zip code for XXXX, NY. Secondly, SPS, as alleged servicer, has paid taxes on a property they are illegally associating with XXXX XXXX XXXX XXXX, NY XXXX, although current tax records indicate the property address as XXXX XXXX  XXXX. SPS has yet to sufficiently explain this discrepancy. Lastly, as the Fiduciary for the Estate of XXXX XXXX XXXX, I continue to dispute and refute any and all claims XXXX XXXX XXXX XXXX, as indenture trustee for the holders of XXXX Trust XXXX, or any affiliates have against the estate of XXXX XXXX XXXX. Based on the stated facts, SPSs response is both inaccurate and misleading. Im sick in tired of SPSs cut and past responses, which provides absolutely no resolution to my issues and/or concerns. I have previously provided documents to SPS, which fully substantiates my claims. A copy of this complaint will be provided to the New York State Attorney General.