davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Trying to collect a debt that the statute of limitations has run out on. 
calling and threatening to sue. 
harassing phone call to work number, home phone, personal cell phone, wife 's personal cell phone. 
they use at least XXXX different phone line numbers
Consumer complaint received 2015-11-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (TN)

I am a victim of identity theft and recently discovered that the person who stole my identity apparently defaulted on his obligation under my name. As a result this debt collection company has placed this item on my credit. There is no way that I opened this account up b/c I was in prison at the time
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Duel Tracking, poor and deceptive practices, mortgage fraud, modification fraud and foreclosure fraud. 
No written determination issued by Appeals Department on XXXX XXXX escalation. 
Bank of America made knowingly false statements and representations after my appeals were GRANTED. 
A Notice of Default has been recorded with the XXXX XXXX County Recorders Office on XXXX XXXX, 2016 by a known Bank of America 3rd party affiliate XXXX XXXX XXXX XXXX ( XXXX ), refer to recorded document number XXXX.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have been paying my mortgage twice a month by automatic debits with no issues, on XXXX/XXXX/16 {$2400.00} was debited, {$1000.00} more than should have been deducted, I spoke to a representative assigned to my account XXXX, XXXX at XXXX explained the incident and he said it was a mistake and that it could be fixed, he instructed me to fax a letter with my request, which I did to XXXX, I did not hear from him for 3 days and he claimed that he could not find the letter I faxed. after going back and forth with no result, I finally gave up and told him I did not want the money returned to my account, as it would be to late and I would not be able to pay my mortgage taxes by the time they would returned the {$1000.00}. XXXX indicated to me that my mortgage was up to date until XXXX 2016, subsequently I was paid 2 weeks later, I paid my taxes online and 3 days later they deducted another {$1100.00} leaving me with insufficient funds, I attempted to call and speak with XXXX but now they refused to connect me to him, I do not have time to explain myself to another representative as he was familiar with my issue. I have been unable to pay my taxes and there is a certificate that will be issued after XXXX XXXX, 2016, the reason I was not prepared to pay my mortgage taxes this year is because I was presented with a hefty IRS bill this year that I was not prepared for. I paid online {$1100.00} on XXXX/XXXX/16 I am assuming the prior deduction and the monies I sent on XXXX/XXXX/16 will cover the XX/XX/XXXX payment.
Consumer complaint received 2015-10-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CNG FINANCIAL CORPORATION (CA)

I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that XXXX XXXX XXXX XXXX.is trying to collect {$2300.00} for Check N Go. I recently received my credit report and it states XXXX XXXX XXXX XXXX opened a collection on XXXX XXXX. I opened a payday loan with Check N Go in the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. Check N Go. replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According to Check n Go, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can XXXX XXXX XXXX, XXXX open an account after 4 years of opening?
Consumer complaint received 2016-09-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TRIAD FINANCIAL SERVICES, INC. (FL)

i built a modular home on XXXX, fl. in XXXX county. triad financial handled to loan. florida law changed XX/XX/XXXX to allow titling of modular homes if XXXX criteria are met. it must be modular AND on a mobile home lot. zoning for the lot i built on does NOT allow mobile homes. i informed triad that it can not be titled. they did so anyway and charged me for the fee. i visited the dmv office in XXXX county. they told me it should not have been titled but was at XXXX. they assured me they could get it fixed and issue real property designation. they called later to tell me they can not do so while triad has a lein on the property. triad could transfer the lein to the land but will not do so. the home has been declared permanent by XXXX county and the state of florida. i can not refinance without real property designations i should n't even need to aquire. the home is permanently affixed to the land. i have n't been able to find anyone else that will finance.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial only recently has placed a collection on my credit report in which this does not belong to me, as I have not had any medical done in more than 4 years. I have never been notified of this debt, shown validation of this debt and just all the sudden showed up on my credit when there has not been one thing prior about this on my report. This is fraudulent and against Fair Credit laws
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

We are selling my mothers home and need the payoff amount from Ocwen financial. I 've been calling for two months trying to get a response but to no avail. This week we are supposed to be closing and we still have n't had any response from Ocwen. All we need from them is to verbally confirm the amount and fax over some paperwork to the escrow company.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

The issue is overcharge and unreasonable. 
1. I purchased air ticket online which is {$990.00}. But charged {$1100.00}. I contacted America Express many times, and not to solve. Overcharged {$200.00}. I booked hotel, and I cancelled already. I informed America Express to stop payment also. They charged me still. I contacted America Express many times, and not to solve. Unreasonable charged $ XXXX {$49.00}. ( {$49.00} is for foreign transaction fee ).
Consumer complaint received 2023-03-30
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. (NM)

Hello, This morning my father received a call from XXXX XXXX advising that I had submitted an application for a credit card. I called XXXX XXXX and they confirmed that there was a fraudulent attempt to obtain a credit card. I tried to freeze my account on Experian, and the automated telephone system did not allow me to speak to an agent. I followed the automated messages and went to the website, but I was unable to create an Experian account because Experian apparently has granted access to my information to a fraudster. I entered my social security and date of birth, and the Experian website advised that I already had an account XXXX. I have never had a XXXX account. Experian will not help me in shutting down this person 's unauthorized access to my sensitive, personal information. 

Thank you for your time.
Consumer complaint received 2017-03-31
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (CA)

I used my prepaid card to make a hotel reservation. The hotel merchant did not process the card for any amount. I did not have a balance owed to the merchant when checking out. 
The prepaid card provider has been contacted by myself, the hotel merchant, and provided supporting documentation. The prepaid card provider refuses to release MY money from pending transaction status. The representative from the prepaid card provider promised my funds would be released. Instead they continue to hold my funds and refuse to release my money.
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CO)

My name is XXXX. I want say, this to XXXX XXXX and not previous complaint I made last year 2021 XXXX XXXX Previous, complaint I did, it did not help me forget about this because is irrational and offensive to say a thing like that. 

" Our decision will not change '' I want this complaint consider as a hate crime a buisness against a consumer in a need. Based, of last year response. 

I'm here because I want to report Chase bank a compliment and clarify I want to be able to bank again. 



I believe this is a mistake and I'm going to forgive them. I shouldn't be banned and this is all wrong. 


It is, wrong to cause some one that, the person has nothing to do about charges or anything I'm respectfully asking to put a stop end this nonsense I want be allowed to bank again. 


We know, your the chair man of this bank Chase. 


XXXX, previously I had complained about this before. I do feel this wrong and shouldn't be taken this action. Banning me is, like hurting my life. 




How far, do you want to go about it? Why am I'm only one complaining?

Because one the others representive won't gave me understanding about why am I'm banned of opening an account? 



Is there limit how many times can client open after closing an account?
Consumer complaint received 2017-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX   XXXX ,  2016   XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.
Consumer complaint received 2024-03-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received a American Express virtual gift card with value of {$100.00} [ confirmed to be active and loaded with the aforementioned amount ]. 

When attempting to use the gift card for online merchants, I have been declined multiple times across multiple vendors. In the attached documents, I provide screenshots from my recent attempt to utilize on XXXX ; I also include my card information details from the American Express website. 

I have read online that many people are having the issue for month and some have had luck using their gift card in-person at stores. However, my gift card is virtual so using in-store is not an option.
Consumer complaint received 2020-10-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I Settled with my lender years ago on paying off the vehicle and now its some new lender i never heard of i see saying i owe them the total amount. I never was contacted by any one because this was settled.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (MD)

I received an inaccurate invoice which contradicts information I was given by a leasing agent at XXXX XXXX. 

On the morning of XXXX XXXX, XXXX, I telephoned XXXX XXXX ' leasing office and spoke with a gentleman regarding their move out procedure. I specifically asked him if XXXX XXXX replaces the carpet in a unit after a tenant moves out. I explained that I had XXXX small stains in the living room and had planned on paying a professional carpet cleaning company to remove the stains, prior to moving out, however I wanted to check first to see whether or not the carpet will be replaced. 

I was advised by their employee, to try my best to clean the stain, but if it was not possible, not to worry about it, as XXXX XXXX often replaces the carpet in a unit prior to a new tenant 's move in. 

On the afternoon of XXXX XXXX, XXXX I received a certified letter from XXXX XXXX with a final invoice for {$750.00}. I contacted the manager immediately to explain the situation, however she dismissed my case without investigating the matter. I had explained that I tried to do everything in good faith -- acknowledged the small carpet stains well in advance, repainted the living room walls, cleaned all rooms, tubs, kitchen appliances, etc. 

Had I been told the carpet was not going to be replaced, I would have proceeded with my pending order and had the stains removed from the carpet company. I was informed by the manager that the carpet is only replaced 5 years and that the stains would not have been able to be fixed. Due to the fact I have had several issues with XXXX XXXX in the past, I made sure to take photographs of my unit on the date I moved out. The XXXX small stains are in the photo. 

I 'm requesting that you please investigate this matter and make appropriate corrections to my account as soon as possible as I should not be penalized for being misinformed about XXXX XXXX ' protocol. 

Thank you in advance for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XX/XX/XXXX, I reported my XXXX XXXX as stolen. The phone was placed on a seasonal hold. I bought the phone for {$310.00} refurbished from XXXX XXXX. I had been a customer over 20 years. XXXX corporate edited the bill and closed the case. Unfortunately, on several occasions, XXXX opened the line for the unauthorized user and billed me. They wanted to charge me a {$250.00} deductible to replace the phone prior to corporate overriding their billing after the lines were opened more than once. Were supposed to give a access code, but they continued to bill me for the thefts usage. I called the phone on XXXX and a young lady would answer stating that someone sold her the phone. Lastly, they tried up charges of {$190.00} and Id had enough, so I reached out to corporate escalations. I was told Id receive a call back. I waited a week, and had been paying them on autopay. No call backs were initiated, so I called XXXX XXXX XXXX and ported my line over to them because my contract had ended with XXXX years ago! In XXXX, XXXX, I became XXXX & XXXX customer. XXXX asked that I returned the main line XXXX XXXX XXXX XXXX after I ported my line over to XXXX XXXX XXXX ). I sent the tracking # and receipt to XXXX for dispute via the first collection misrepresentation on my account. There collection was removed from my account in XX/XX/XXXX only to be reapplied for the same false collection claim that was removed and resubmitted XX/XX/XXXX by IC Systems collections. Stating that my account was 30 days late for {$1100.00}. My bill was paid in full XXXX XX/XX/XXXX XXXX, my account was closed properly, and they received the XXXX XXXX XXXX back in perfect shape. However, they kept billing for the stolen phone and the last bill before I left XXXX in XXXX was XXXX, now its over {$1100.00} and my account was closed. The theft of the XXXX XXXX is still a working number on my account by their own discretion. Im no longer a customer and XXXX breached their insurance contract, my report of a stolen phone, and closing the account. Theyre back with a new collection agency and causing undue stress on me, I strongly believe its because they sold out to XXXX and theyre not aware or could care less about XXXX charades. I had them removed from all 3 credit bureaus because I turned in proof that Im not a customer after over 20 + years of numerous refunds and edits to my accounts and unauthorized use and multiple errors. I feel its unfair that they can hire multiple collections agencies for a fraudulent claim that has been deleted for the same false charges.
Consumer complaint received 2016-01-11
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I allowed Quicken Loans to check my credit once in early XXXX of 2015 as I was shopping for a refinance opportunity. I checked my credit report and found Quicken Loans has made several additional credit checks since the first and only XXXX that I authorized. My credit score has dropped due to their repeated credit checking. After the original credit check with Quicken I told them I was not interested. I wish to file a complaint against Quicken Loans and request they have the credit bureau 's remove all the additional credit checks they made following the first and only credit check I authorized.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/2021 Bluebird American Express allowed to fraudulent charges to process on my account in the amount of {$1300.00} and {$880.00} and they refuse to refund my money. I received an email that charges were attempting on my account and that I added someone to my account and to contact them if that was an error. I contacted the company but they still allowed the charges to proceed. It seems like an internal theft, because typically this card puts a hold on your account until you call in and confirm the charge but for these charges they allowed them to process. I have requested the documents they used to make the determination not to refund my {$2300.00} but this is theft. I am behind on bills and this has hurt me and my kids. Please help.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am submitted several disputes to equifax, XXXX and experience and they all come back as verified. I just submitted a dispute with each of them inXX/XX/XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

My account was negative {$14.00} on XXXX at XXXX XXXX ca time zone there were not any pending charges on my bank account. My boss sent me my paycheck XXXX at XXXX XXXX When I checked my account yesterday before XXXX my account was not negative and they pushed my XXXX deposit as of today and not yesterday I have used XXXX 100s of times the funds are available to use right away and I shouldnt of had an overdraft fee They new there was pending deposit they didnt let reflect on my account so I could get overdraft my sister XXXX XXXX seen my bank statement yesterday and she sent me the {$10.00} so I have a witness thats willing to states under oath there where no pending charge on my statement the only time I see the chargers where today and the computer posted them as yesterday when they should have posted today because it didnt reflect on my account how can someone keep there account balance form negative if there hiding your pending transactions thats fraudulently Either there computer glitch or there programming it to hide pending transactions so you can get overdraft todays pending transactions went through right away no issues but not the ones form yesterday and the only difference is my account has money in it today and not yesterday morning I was also told by an employee today they are having IT problems there systems is down that could be on of the reason there computer glitches on my account
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

For some reason this showed up on my credit again. I sent them a letter and they did not respond. They did this before. I want this removed off my credit and someone to call me to figure this out. I have received nothing, nor have the even tried to contact me again. Just go around destroying people during a pandemic. I once again ask for the CFPB to full investigate this company. Their tactics of destroying people is appalling. This is demoralizing and deceitful. I can't continue to battle them and work, take of my family, and try to lead a normal life.
Consumer complaint received 2018-03-18
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: Genesis Credit Management, LLC (NY)

ii just saw that someone tryed to open a card with XXXX XXXX XXXX card that wasnt me for sure, I already have a XXXX XXXX platimum please remove this hard inquiry