davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

Due to miscommunication with Ideal Image and XXXX XXXX, I was charged with deferred interest of {$1100.00} after paying my original total bill merely 8 days passed the 24 month promotional period. The deferred interest plan was not explained to me properly and the billing was very confusing. I paid above my minimum payment on time every month thinking I was ahead of schedule. Originally, I was told by XXXX XXXX   that I would be billed approximately {$140.00} per month. However, XXXX XXXX sent monthly statements with a minimum monthly payment due ranging from $ XXXX-XXXX, setting me up to fail to pay off the account on time. If I had known that I would be billed for 28 % interest on the entire balance of {$3500.00} from the start date, I would have paid off the entire balance months before the end of the promotional period. I have never encountered deferred interest promotions that ended like this one. In fact, originally I opened this account with XXXX XXXX and XXXX XXXX  in XX/XX/2013 for a different service and was billed correctly, so I paid that entire balance of {$3500.00} without any interest or deferred fee at the end. And during that time, I only paid the minimum payment due. I trusted that the second time around would be just like the first time. At least, thats what XXXX XXXX told me. Now, XXXX XXXX  says they cant help because the interest fee is through a third party. And XXXX XXXX   will only waive {$390.00}, leaving me with a balance of {$770.00} to collect additional interest until paid in full.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (TX)

On XX/XX/2023 XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX ran my credit report as I did not authorize them to run my credit report. I want this illegal and unauthorized transaction to be removed from my credit report. 

On XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX illegally ran my credit report as I did not authorize them to run my credit report. I want this illegal and unauthorized transaction to be removed from my credit report.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (AL)

On or around XX/XX/2016 BBVA compass charged me XXXX NSF fees {$38.00} each total {$74.00}. I have told them repeatedly before this incident that I do not want that type of account. I want a prepaid type account ( if there are no funds, there is no fee but the item is not paid ). Each time they have assured me this would not happen.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (TX)

XX/XX/2016 XXXX, Please assisted me regarding this matter. I have filed XXXX consumer protection complaints : XXXX ; XXXX ; how can we kept giving the crooks more lead way than the people with integrity. This company has engaged in deceptive trade practices and attempted to engage in theft by deception. 

I have filed XXXX complaints against NCC Services for trying to collect debt on a fraudulent insurance claim that can not be validated since the old company, XXXX, XXXX XXXX, XXXX., XXXX NV. personnel, committed an insurance fraud scheme by charging me with damage to my apartment after I moved out. This company forged my name and stated they I owed them a combine total of almost {$2500.00}. They produced no pictures of any damage and I was notified XXXX months later once I returned back to XXXX to address the foreclosure hearing on my property in XXXX. I showed the management the foreclosure notice and they said that they wish me luck. In XX/XX/2016, a loan XXXX tried to force me to not dispute the fraud in order to re-financial my current property in XXXX. I refused. See letter. XXXX weeks ago, this collection company which used XXXX names : NCC Services and National Collection Services demanded the {$2500.00}. See documents. I am trying to purchase a new loan and I do n't have time to wait 60 days for a company that has no license in Texas to attempt to collect fraudulent debt, unable to validate the debt since the old company XXXX was bought out XXXX years ago by XXXX XXXX, conspired to put this fraudulent account on my credit report, unable to produce a contract assuming the fraudulent debt, and uses XXXX names to committed this collection fraud. This is clear cut deceptive trade practices and fraud by the collection and XXXX. I have filed a police report for fraud in XXXX XXXX XXXX, XXXX. Please have your staff insist on validation today and delete this from my credit report. Please have an Ombudsman contact me at XXXX if they can expedite this matter. 

XXXX
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Mortgage is held by Carrington Mortgage Services in California. Have had many problems. Filed a complaint 2 years ago. Still no resolution y et CMS contin ues to harass me and is trying to foreclose on my house. See attached complaint.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Lamont, Hanley & Associates, Inc. (IN)

Received a call from a company called Lamont Hanley and associates at XXXX on XXXX/XXXX/2016 phone number XXXX XXXX stating i owed for a old farmers auto insurance policy that was reinstated in XXXX i never received a letter related to this info. I spoke with the rep and requested to know where was the letter stating i owed this bill because i have a bankruptcy at this time the rep requested the bankruptcy info which i replied i do n't have it with me, he then requested when he could call back and told him i dont know he then shouted pay your bill and hung up.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/16 I reserved a hotel room for my adult nephew using my Chase Visa credit card. On XXXX/XXXX/16, my nephew arrived at the hotel and gave his credit card to pay the room and for the costs of any expenses incurred during his stay. I never authorized the Hotel ( XXXX XXXX XXXX XXXX ) to charge anything to my credit card as I was not the guest. I never signed filled out an authorization nor did I sign any credit card slip. I received my credit card statement last week from Chase and saw XXXX ( XXXX ) charges ( {$1300.00} and {$6.00} ). I called Chase to dispute the charges and Chase refused to accept my call as a dispute. While I was on the telephone with the Chase representative today, he put me on hold and purportedly called the hotel. Chase said the hotel was n't willing to reverse the charge and that I was responsible for the charge. I asked that the disputed charge be marked as disputed and held without interest accruing until I had an opportunity to speak with an attorney. The Chase representative stated that they would not mark the charges as " disputed '' and if I did not pay them, in fact interest would accrue. I normally pay my bill in full at the end of each month. I am outraged that I am not being afforded the time needed to dispute the charge without interest accruing. I never imagined using my credit card to reserve a room would also bind me to unlimited charges incurred by someone without my prior approval or authorization. I also never imagined that Chase would not afford me an opportunity to dispute the charges without interest accruing during the dispute period. I further was infuriated that Chase would n't even accept my telephone call complaint as a dispute.
Consumer complaint received 2017-02-07
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

In XX/XX/XXXX I applied to refinance my first mortgage XXXX ( XXXX ). The process went along smoothly until I needed papers to subordinate my second mortgage with Rushmore Loan Management Services ( XXXX ). 
The request for subordination was sent to Rushmore in the first week of XX/XX/XXXX by XXXX, my refinance company. On XX/XX/XXXX, Rushmore promised the subordination documents in XXXX-5 days. So the title company ( XXXX ) scheduled the closing on XX/XX/XXXX at my XXXX County home. I did not pay my mortgage for the month of XXXX because I was advised the total loan would be paid off in the first week of XX/XX/XXXX. 
The fact is, after promising the paperwork a number of times since, Rushmore did n't send the subordination documents until XX/XX/XXXX. That caused my rate lock to expire costing more money, AND added more money to my mortgage payoff at an interest rate of just over {$81.00} per day. Now I am saddled with having to roll an estimated additional {$3700.00} plus filing fees because my loan rate expired. When you cost that out over a 30 year loan, I will be paying ( a very conservative ) additional {$210000.00}!!!!!!! I spoke with a member of Rushmore 's Consumer Service Department, who agreed I should be reimbursed. But, I received a letter on XX/XX/XXXX stating Rushmore made no error, and my request to be reimbursed was declined.Is there ANY help you can offer?
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (OK)

We have sent checks to the notice of assignment, sale or transfer or servicing rights address. The checks have been cashed. I have copies of the returned checks. Now another lender who claims they are lender are now calling and sending foreclosure packages to our house. They refuse to post those items to account. I do n't want to spend any more time or money to fight this, but at this point I think I will have to hire attorney.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I opened a card under the promotion of getting {$150.00} in cash back after spending {$500.00} in my first three months, and I have not received my bonus yet. After multiple calls and chats with customer service they kept saying they were going to open up a ticket and nothing has ever happened with it.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are several items reported on my credit with Trans Union that are not mine. I was n't aware of the accounts being listed on there until I decided to review my credit report. I submitted a request to have them removed but this was not done she with no explanation as to why they were n't.
Consumer complaint received 2019-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/XXXX mortgage company has paid two insurance companies and added their own insurance to my house. Causing a shortage in my escrow and raising my mortgage payment from XXXX to XXXX. I have called the customer service department consistently since XXXX, and every time I speak to a CS rep or the escrow department, they clearly see something is wrong. After speaking with them ( Customer service or escrow ) I get a letter shortly after stating there is a shortage in my escrow and raise my mortgage. The CS department can see that in XXXX they paid 2 insurance companies for homeowners insurance one for {$2600.00} and another for {$3800.00}. After 4 months of going back in forth with them I was told I have 2 active insurance policies on my home. One insurance company refunds the insurance premium ( {$2100.00} refunded to my escrow account, I receive a check for {$450.00} ) and also sends a cancellation later. They ( mortgage company ) presume that the house is not insured and add there own more expensive ( {$3600.00} ) insurance to the home. I still currently have 2 insurance policies on my home ( original payment of {$3800.00} ) and the Company provided insurance policy ( {$3600.00} ). The latest letter received stated I had a shortage of {$5600.00} and my mortgage payment will be {$1700.00} starting in XXXX. I see the issue and the CS department can see something wrong but the problem never gets fixed. I originally bought the house for {$130000.00} in XXXX my mortgage payment was {$1100.00}. I currently owe {$92000.00} on the house and my payments are {$1700.00}.
Consumer complaint received 2017-05-23
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: Experian Information Solutions Inc. (VA)

There is a collection on my account for  XXXX  that was opened  XXXX     2016 and  closed  XXXX     2016  in my name. I called  XXXX  directly because I have never been a customer or client of  XXXX  my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me!     Where I live currently is where I have lives since  XXXX     2016!   XXXX  cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report!     There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do!     I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am  XXXX   XXXX   XXXX  and these kinds of things can hurt my clearance and currently hindering my credit from home buying.  XXXX  nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of  XXXX ! It is reporting as a collection! I have never received a call or anything in the mail about the account!     I have attached my  apt lease that shows th e date I moved in!   I provided my light bill with my current address for the dates that cover the time  XXXX  is saying I occupied another property.   I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed.      XXXX  cable/wifi/internet service is not even available in my area. I use a company called   XXXX   XXXX  . They own right to this location Please help me understand exactly how can they not properly investigate and get the  CORRECT informatio n from this company and allow the reporting of it falsely on my account.     Thank you so much!!
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (SC)

On or about XX/XX/XXXX, I wrote a {$5000.00} check ( # XXXX ) from my XXXX XXXX XXXX XXXX ( XXXX ) located in XXXX XXXX and deposited that check into my TD Bank account in XXXX South Carolina, through mobile deposit. 
Approximately Seven ( 7 ) months later, on or about XX/XX/XXXX, XXXX XXXX called me and informed me that someone tried to deposit the same check # XXXX that was written on XX/XX/XXXX into a XXXX Bank account. Because I did not make the deposit, XXXX deemed this as fraud and did not clear the check. 

A month later, on or about XX/XX/XXXX, I noticed {$5000.00} was missing from my TD Bank account, the same account where check # XXXX was deposited. When I called TD bank to inquire about the missing money, I was informed by TD Bank that since the same check ( check # XXXX ) was presented into a lockbox deposit, they had to reverse that check. However, these funds were not reversed into the XXXX account from where originated. Instead, the funds were sent to a XXXX Bank account. I do not have any XXXXXXXX XXXX  XXXX. Importantly, the check ( check # XXXX ) was not a TD Bank check, it was a XXXX XXXX check. Additionally, the check was not endorsed on the back of the check. So I do not understand how this check can be paid by TD bank while the issuing bank XXXX refused to honor this check. 
TD Bank has refused to file a fraud report and the reasoning they have given me for the reason they refuse to file a fraud report is because it was not a TD Bank check. However, the check ( check # XXXX ) was originally deposited by me into my TD bank account and the check ( check # XXXX ) was processed a second time by TD bank and sent by them into a XXXX Bank account, where I not have an account. 

More over this check was presented 6 months after it was written and it was not endorsed by me. TD bank is refusing to give me back my money.
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (FL)

Good afternoon, On XX/XX/2019, I sent Penn Credit Corp a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have reviewed my credit report for accuracy information I notice that my inquiry 's were removed and reinserted without proper notice by law section 609 you ca n't reinserted previous removed items without notice to the consumer causing my credit report to have damage changes
Consumer complaint received 2016-09-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Preferred Collection and Management, Inc. (FL)

PREFERRED COLLECTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PREFERRED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PREFERRED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp (MD)

Representatives from " Alpha Recovery Corp '', which is a debt collection agency, call me multiple times every day. I do owe a debt, however they are not following the terms that they have previously agreed upon, as they have not sent me all of the information regarding my debt. They claim to have a XXXX page packet from the apartment company who gave my information to Alpha Recovery, however, I still have not seen it, several weeks after first hearing about this debt. 
I have been hung up on mid-conversation, badgered about how safe this arrangement is, told that I should not get legal advice, and been told that my tone was unnacceptable when I simply asked for more information than what had been provided. I was willing to pay the amount required, they agreed date of, payment has come and gone, and still no paperwork from them. They also refused to conduct any of this business by email, stating " we ca n't do that '' I then received an email from them with a single page of information as an attachment. So they have mislead me, lied to me, and been very rude throughout all conversations.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo posted a check to my  account on  XXXX  in the amount of {$2900.00}. On  XXXX  {$2900.00} was deposited into my account and I had more than enough to pay the difference.     They claim that it was received on  XXXX . However, everything on their mobile banking states " Posted  XXXX . '' This seems like that game where they re-order the transactions in order to charge at NSF fee. Even though they paid the check out. Which, if the funds were n't there, why would a bank pay out {$2900.00} in overdraft??     They knew the funds were there and had no problem paying the check. The check even " posted  XXXX  '' according to their website. Yet, somehow, the check " withdrew '' on  XXXX  and paid out without the proper funds in my account and they let it through, only to charge me an NSF fee.     Eventually they waived the fee after " educating '' me on their procedures. However, this seems a lot like the stuff banks have gotten in trouble for before.
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have several collection accts that are not mine due to fraud XXXX and several credit inquiries that I did n't authorize but have been unable to have these iitems removed ... I have fraud alert on my report also police report number XXXX and still nothing.