davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (FL)

I started the negotiations XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.At that time that they began garnishing my paycheck at {$600.00} per month. I explained at the start of the school year that the $ XXXXwas too much considering that I only got {$1000.00} net every two weeks. 
However, they continued the garnishment up until the XX/XX/XXXX. I became unemployed and remained so until XX/XX/XXXX. At that time I continued the negotiations until XXXX or XX/XX/XXXX. 
I then decided that it would be best to get the legal system involved dueto the difficulty in getting XXXX XXXX XXXX XXXX XXXX XXXX tounderstand my dilemma. Thus, I sent a request to XXXX XXXX XXXXCourt to help with the negotiations. The court did not hear from XXXX XXXX XXXX XXXX for at least 10 months. As a result, Ireceived a notice of the potential dismissal of the case notice from theXXXX XXXX XXXX Court of XXXX XXXX, Florida dated XXXX XXXX, XXXX XXXX see attached document ). As I read the notice, I understood that thecase would be dismissed because of the 10 months of nonresponsefrom the XXXX XXXX XXXX XXXX XXXX XXXX. The hearing wasset for XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXwas given 5 days to respond and did so within that timeframe. As aresult, a new court date was set for XXXX XXXX, XXXX. What puzzles meis why was there such a long delay in getting a response from XXXX XXXX XXXX XXXX during the 10 months of their cone ofsilence. However, as soon as they were told the case would bedismissed, they responded within 5 days. I was unable to attend XX/XX/XXXX court date because this date was within the first week of myreturn XXXX, which is a contracted week XXXX and all staff must be present. 
As a result, the ruling was in the favor of XXXX XXXX XXXX XXXX XXXX, with a garnishment of {$650.00} every month from mypaycheck.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (LA)

I have done business with Tower Loan in XXXX, La ( XXXX ) before, last year in fact. However, when I had issues making payments they never gave me a hard time and worked with me. I was never more than a week or two late and thankfully I ended up paying them off early. In XXXX of 2016, I took out another loan and this month following the holidays and an issue that I was settling financially I ended up being 30 days late. When the branch manager called for my payment I told her I was n't able to pay at the moment, that I could make both last month and this month 's payment in two weeks and my account would be caught up. She rudely told me that would not work and they would start a suit and she would come to my home to collect my collateral. I 've never in my life been threatened for a payment of any kind .... can they just show up at my home and file suit after being late 1 payment? My contract mentions arbitration after 'good faith ' can not be met or what not, surely that 's not referring to being being behind 1 payment in two loans you 've had with a company?
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (NJ)

I sent Equifax, XXXX and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave Equifax, XXXX or XXXX consent to furnish this information which is a direct violation of my federally protected rights.
Consumer complaint received 2016-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Specialty Service Inc (CA)

Original Creditor ( XXXX XXXX ) charging me for storage fees. I instructed tow driver to bring my car to the junk yard. He told me that a bill will be sent to my address. Six days later, i called in to ask if i can still get some of my things. To my surprise they informed me that i need to turn-in my title and i am charged for storage while title is not turned-in. I tried to explain no one have informed me, but they did not allow me and told they will place it to collection. I'am not aware about turning-in my title to them. If i knew it i should just turn it in on the very same night. They did not even called me or inform me, i just discovered it by accident since i need to get some of my things. It seems like if i have not called in, they will just keep on charging me storage. I 'm disputing the storage charges. I should not be charged. Proper information and explanation should have been initiated before any services have rendered.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc. (OH)

MEADE & ASSOCIATES XXXX I have a a unverified account from Meade & Assoc. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.169g, I dispute the validity of the debt MEADE & ASSOCIATES and I believe it is a HIPPA Act violation. I request that MEADE & ASSOCIATES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks XXXX. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Consumer complaint received 2015-12-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Ricart Financial Services (OH)

I filed bankruptcy XX/XX/XXXX against central ohio credit union. It is showing 3 times on my credit report and I am being dinged several times on this matter. I have filed a dispute with XXXX. and XXXX. They still have n't done anything. I was understanding that it would wipe my credit clean. According to my credit report it showing on XX/XX/XXXX as opened, XX/XX/XXXX as opened And XX/XX/XXXX it says closed due to chapter XXXX bankruptcy. I feel as though I am getting marks against me XXXX times and I was at the understanding that it would be wiped off completely.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.
Consumer complaint received 2015-04-10
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (CA)

I first was made aware of a debt i owed to AWA collections out of XXXX XXXX California when trying to obtain a home loan in XXXX of 2014. This was originally a XXXX automobile club collection which i have never had XXXX. I disputed it through Experian XXXX XXXX in XXXX of 2014 and again in XXXX of 2014. I first sent a verification and Validation letter certified mail with return receipt in XXXX 2014 and again in XXXX of 2014 with no response to either. I had called XXXX and they have no records of me ever having XXXX and when calling AWA collections they could not confirm i owed the debt but wanted payment from me immediately. I requested original contracts and proof i owed this debt but was given nothing. After several calls and getting no where i am finally formally making a complaint and will go all the way to the attorney general if need be. I am frustrated not only because this is not my debt but because also it affected my rate purchasing a new home.
Consumer complaint received 2016-09-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (VA)

This is an 18 month interest free loan for 18 mos. 
The company on the statement continously shows interest charge and we have confronted them but they do not seem to correct it. 
Previous case # XXXX. 
They are supposed to charge me a nominal payment of {$250.00} per month for 18 months. This loan should not accrue any interest. 
Instead I am being charged {$180.00} interest per month.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates opens multiple accounts keeping old accounts active in attempt to collect debt past the statute of limitations. Friday I received 1 call, Monday I received 1 call, Today, I received 2 calls from Portfolio Recovery even after they said that they ceased communications after there investigations due to my previous complaint of illegal activity within their business practices. But there is a portfolio recovery agent on the other end of each call.
Consumer complaint received 2020-09-09
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. (IL)

I have reached out to XXXX  & Transunion over 6 times in regards to fraudulent accounts listed on my credit report. Every single time it comes back as verified. This is my 3rd time filing a complaint with the CFPB & nothing has helped! XXXX  and Transunion are verifying these accounts without any proof! I have even reached out to the creditors demanding that they show me proof that these accounts belong to me, & they have NOT provided me anything personally that deems the account belong to me. So how is XXXX   & Transunion verifying it as accurate??
Consumer complaint received 2015-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Couch Conville & Blitt LLC (MS)

I received a bill from Couch Conville Blitt Attorneys at law trying to collect {$10000.00} on an account that there was no judgement on I received a letter from XXXX where they advised they were not attempting to collect due to the credit card had XXXX insurances after more than 6 years after the fact I have an attorney writing wanting me to settle on a debt that is not owed and is past the statue of limitations for the state of Mississippi to collect on
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I contacted the customer contact center to discuss alternate payment methods. I went through an interview process discussing monthly expences. At the end, they concluded the amount owed vs what the income was, was higher, but they could not lower my payment. When I asked how that made any sence, if they see obviously the gap in income vs debt, the gentlemen in the collection area became defensive and basically told me its my own fault im in the position I 'm in, and they ca n't help. When I asked to speak with someone else to get another perspective, he refused. So I asked for his name so I can discuss with someone in their executive area, and he stated it was n't necessary and hung up the phone. How am I supposed to work with my creditors to honor my obligations when they act in such a manor?
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

On XX/XX/year> I received an validation letter stating that the account was charged off and XXXX XXXX XXXX was no longer collecting on the account I did dispute this many times with XXXX  XXXX and also let them know that the information to the debt is not mine they requested me to give them my updated information which I did not agree to due to me not owing this debt. So on XXXX XXXX they claimed to sent me written solicitation for a pre approved credit card which they claim they sent to XXXX XXXX XXXX XXXX, Ohio XXXX XXXX. which is never been my address and they claim that a XXXX credit line was open in my name and a charge to a page plus account in the amount of XXXX on XXXX XXXX and also listed a phone number that's not mine or was never mine. on this statement they claimed to have sent it to the above address on XXXX XXXX. They have also stated they sent it to a collection company and was no longer financial interested in the account once I started to question them on my information. they are claiming I need to contact Midland funding llc who does not have correct information and wants me to give them correct information
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022 I was using XXXX through Wells Fargo. I had sold an item on XXXX XXXX and I sent the buyer my information to transfer the amount of {$120.00}. I received an email stating that I needed to send the amount of {$400.00} to upgrade my account to a business account. I didn't question it because it looked like a legitimate email. I then received a second email supposedly from XXXX stating that I needed to deposit an additional {$600.00} because the amount I sent wasn't enough. I replied that I only had {$500.00} and they said it was fine. I would then be credited in the amount of {$1000.00}. I sent the money and they then asked for my banking login credentials so that they could send me the money by verifying me. I then realized that it was a scam and contacted my bank 's fraud department. I had to change my login credentials and my account was closed. I submitted all pertinent email correspondence to my bank showing the spoofed email address and buyer 's contact info. Wells Fargo responded that since I authorized the transfer that I would not get the {$900.00} refunded to my account. I find that this response is egregious and as a banking customer, my money should be protected from all scams, not just ones that I have erroneously sent money to a phishing scam. The whole reason I bank is that my money is secure and in the event of a scam, I should be able to recover any funds that were in sent in error.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MO)

I have reported identity theft to JC Penneys Synchrony bank and filed a police report. JC Penney told me they wold take care of it then when I called back hung up on me. I never received the merchandise and cell phone numbers other than mine were attached to it. I have talked to Synchrony Bank to no avail. I have had the credit card since XX/XX/XXXX with no issues until now. This is damaging my credit and I have XXXX and reported it to them! Do not trust J C Penney if you are ever the victim of identity theft or do not receive an order! My packges were signed for by someone else! They do not care!
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

originally owed a credit card debt to XXXX XXXX bank back in XX/XX/XXXX that apparently was closed in XX/XX/XXXX an sold to collections for the amount owed {$2500.00}. Was unable at that time to take care of it and thought it was unusually long for them to keep the debt opened for so long before closing it. Am trying to fix credit now but new collector ( midland funding ) is now charging almost double the original amount - {$4000.00}. please help it is the only debt holding me back from succeeding in any business and they are not willing to give any explanations for this old credit card debt.
Consumer complaint received 2016-09-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ATLANTIC COAST FINANCIAL SERVICES, INC. (NC)

I was working to get a mortage loan to purchase a manufacture home with a company called Atlantic coastal financial, at XXXX XXXX, XXXX XXXX, in XXXX, N.C..The owner XXXX XXXX XXXX and his loan processor, XXXX XXXX XXXX never had the paperwork correct, evertime I requested information, I got the runaround.They lied to me, and the real estate agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.C.She and I were told different things, the seller of the property, I was interested in became very disqusted, They set up closings, when documents were not in order.I real this a scam operation, and they need to be investigated on there practices.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (ND)

Early Warning is reporting a fraudulent and unauthorized XXXX Checking Account on my Early Warning consumer report that do n't belong to me. I am a victim of identity theft and someone stole and used my personal information to impersonate me and opened a fraudulent and unauthorized checking account with XXXX. I have attached documents to this complaint I sent to Early Warning.
Consumer complaint received 2015-10-05
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Hi, Asset Acceptance obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked Asset Acceptance to provide me with the date and amount of the last two payments on the original XXXX account and they refuse to. I have contacted XXXX the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!
Consumer complaint received 2022-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one says i Had an acct that had been written off this has been showing on my credit report but I have never opened an acct with capital one I never recieved or used their credit card I have. No credit cards and I dont want capital one or any other credit cards from. That company someone used my identity and I want to report this as fraud and take this off my credit report asap
Consumer complaint received 2022-09-06
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: AMERICAN HONDA FINANCE CORP (MA)

I have a car loan from American Honda Finance wish they report to the 3 credit bureau I have miss a payment for the month off XXXX.I made my payments on time since we open the account.I mail the 3 credit bureau the documents I received from Honda off my payments.They still have me on my report with the false miss payment from XXXXMy credit went from high XXXX score to lower XXXX score I never miss or been late off payments in my credit history. I need you to look in my matter seriously and help me.I would hire a lawyer for this matter if you recommend me.I wont let this affect my excellent credit I have and kept. 

Thanks!
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (NJ)

I closed an account with PNC bank in XXXX XXXX NJ on or about XXXX XXXX. 
A left over balance was sent to me with a check # XXXX and the routing of the check is ( XXXX XXXX XXXX ) dated XX/XX/2022. 
I was away for a few months. I tried to cash it on or about XXXX XXXX and it was denied payment because the check was passed 120 days. 
The told me they would send me a new one. 
On XX/XX/XXXX I tried to cash the same check since they did not sent me a new one. 
The branch manager refused to assist me and would escalate the issue to their superiors. 
I call the main office and I was on the phone for XXXX XXXX and XXXXXXXX XXXX They could not find the account or make good on the check. They open an investigations which has gotten nowhere. 
Please help
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

An unauthorized transaction of approximately {$2300.00} dollars was sent from my checking account to a credit card account that has been closed for over a year. The funds were actually reversed then they disappeared into what I believe would be a foreign account. I DID NOT authorize this transfer nor did the bank make an attempt to contact me concerning this action. This caused a XXXX overdraft that caused the bank to take my direct deposit paycheck and also my tax return which equaled approximately {$2200.00} dollars. The bank claims all indications show that I created this transaction, which is false. I had no more than XXXX available in my account at this time. I believe the bank should recognize that they have responsibilities to help protect their banking customers. What happened has left me completely broke.
Consumer complaint received 2017-02-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NY)

Accusing us of living in a closed state, thus excusing them of responsibilities of sending us itemized debts owed, a phantom cost of {$300.00} is being reported that we owe them. They are not giving information and refuse to send anything to us. We 've faithfully paid every medical bill, but they are harassing us about this.
Consumer complaint received 2015-10-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Hello, My wife and I refinance our car XX/XX/XXXX with Santander USA. XX/XX/XXXX we paid the car off and received new XXXX, release of security note. We sold the car to XXXX XXXX XXXX and since the car was sold XXXX more times. I went to the DMV and received the print out of title. We have submitted it to all credit agencies numerous times and call Santander. Santander will not update there system and keeps reporting the wrong information. This causing us great harm. We are trying to buy a home but with this wrong and malice act by Santander the bank wants us to put more money aside for the loan which we cant afford. 
Please help!!!! 
Thank you.