davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (TX)

I had rented car from XXXX @ the XXXX around XXXX on XX/XX/2016 and had returned around XXXX on XX/XX/2016, after filling gas at the XXXX gas station in XXXX just before returning the car ( I submitted the gas station charge as one of the proofs ). I then went to the front desk requesting that the charges be split between XXXX of my XXXX cards ( because I had promotional offers on XXXX cards ) but the woman there was rude ( they should have a recording of that in their security camera ) and said go call the customer service regarding that. So I spoke with customer service around XXXX ( they should have a recording of that as they do it for " quality '' and training purposes ) while on XXXX to the terminal, as I had a flight to catch after checking in my bags. However I was advised to go speak to the personnel at the counter, since it was within 48 hours of return. So I decided to call them back after 48hours and went to check our bags in at around XXXX. After that we proceeded to gate past the security the security check as our flight was at XXXX ( I provided boarding pass and bag tags for proof ). We reached XXXX and took XXXX back home from the airport ( submitted receipts for that as well ). 
Following morning, I had to fly to XXXX ( submitted my ticket XXXX and taking XXXX rides in XXXX as well for proof ). However XXXX claims that I returned the car only around XXXX on XX/XX/2016, which is a not true and charged my credit card that additional amount. I contracted my credit card company and they refunded me that amount, but XXXX has been harassing me for that amount.
Consumer complaint received 2015-05-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Altisource Portfolio Solutions, S.à r.l. (NJ)

I had XXXX accounts with XXXX XXXX XXXX. XXXX of the account was settled with Nationwide Credit INC ; XXXX XXXX XXXX ; XXXX XXXX, PA XXXX. I use XXXX Banking for all my transaction to XXXX. I received a letter form XXXX dated XXXX/XXXX/15 claiming that they did not receive XXXX XXXX XXXX, 2015 payment. I sent emails showing that payments were made on XXXX/XXXX/15 & cashed on XXXX/XXXX/15 and XXXX before it was due. Instead of XXXX sent the money back, according to XXXX, XXXX ID xt XXXX, the money was sent on XXXX/XXXX/15 & XXXX/XXXX/15 for {$1100.00} each total of {$2200.00} to XXXX. According to XXXX I owed {$4700.00}. I asked why the money was not sent back and why there was no response to my email she had no answer. I had XXXX from XXXX Bank on a XXXX way call. XXXX refused to speak to either of us unless XXXX call back on a line that was not recorded, however, without our permission, XXXX recorded the conversation. XXXX told us she would not talk to us unless she goes thru her speech that XXXX was a debt collection agency.
Consumer complaint received 2024-05-16
Product: Credit 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: CITIBANK, N.A. (FL)

This is from my correspondence with Citi Bank : I have not used any cards from CITI Bank since XX/XX/year>. However, on XX/XX/year>, a payment of {$69.00} was made to XXXX XXXX for an annual membership using a card ending in XXXX. As soon as I found out about this, I opened a dispute that this card had been lying unused since XXXX and was in a safe place in the safe. Further, I did not use the services of the XXXX company and did not order any annual membership, much less pay for it. Nevertheless, the bank made a decision that was not in my favor, which surprised and outraged me. XXXX is known for its unfair treatment of customers, and I am not the first to be signed up for an annual membership against my will. On the XXXX website, annual membership can not be canceled, and payment is non-refundable. This is XXXX of the signs of fraud. 
I declare : - I consider this money stolen from me. 
- I demand the bank to recover this amount from the XXXX company as illegally received and credit it to my account. 
So, for the second time, the bank decided on the dispute, which was not in my favor. I would like to see the results of the investigation, for example, copies of documents with my signature, online activity from my XXXX XXXX  on the XXXX company website, or anything else that could be evidence. Until then, I consider this investigation to be unprofessional, unfair, dishonest, and, at a maximum, containing signs of collusion between the bank and the XXXX company. 
Therefore, I demand that you familiarize me with the results and the full text of the investigation. Until then, I continue to consider myself a victim of a crime, and the {$69.00} and accompanying bank charges have been stolen from me.
Consumer complaint received 2022-02-08
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. (MD)

Experian, XXXX, and XXXX have admitted to improper use of my credit report by removing multiple accounts and inquiries from my report but they refuse to accept liability by paying the cost of damages. I sent multiple notarized letters in XXXX and have yet to receive a response. They continue to pull my credit report without my permission and they report these inquiries or try to hide them as " soft inquiries. ''
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Blitt and Gaines, P.C. (IL)

BLITT and GAINES, P.C, in XXXX Illinois is trying to collect on a debt that was under XXXX XXXX XXXX or XXXX XXXX XXXX XXXX This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact BLITT and GAINES but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY XXXX XXXX XXXX was informed of my bankruptcy by my attorney and / or representative
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio send me a refund check from my escrow account. I did n't cash the check for over a month but when I did select portfolio cancelled the check. My bank charged me XXXX for a bad check. I called Select Portfolio after a 40 minute run around they said they did cancel the check. They could n't tell me why I was n't notified but stated if I faxed over the document from my bank they would reimburse me the XXXX. That was back in XXXX. When I call they just blow me off and say they are working on it.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I used my Chase Freedom card with XXXX to make an in-app purchase on my phone. At no point was I warned that the purchase would be considered a XXXX XXXX if I used my Chase card. At no point did these fees appear in my XXXX transactions. I continued to use this method of purchase for small transactions multiple times with no correspondence from Chase notifying me of this unusual behavior causing my account to rack up with {$10.00} fees per transaction. 

I called and explained the situation to customer service. I am a long-time Chase customer and have never had any issues with delinquency or anything on my account. I notified the agent that I would not have used my Chase card had I known about these fees. And I certainly would not have continued to use the card consecutively across a handful of days knowing I was being charged this fee. 

In total, I was charged {$10.00} on XXXX separate occasions resulting in {$80.00} in fees on just over {$500.00} in charges. The representative advised that he would be reversing all XXXX fees and the {$80.00} in total. I thanked him for understanding and then he hung up on me without offering to answer any other questions. I received XXXX fee reversal of {$10.00} and no further correspondence about his inability to reverse the remaining {$70.00} worth of fees. I called back to check status of said reversals and a different representative advised that they were declined. When I asked him to escalate since I was informed he could not get the fees reversed he said nothing was possible, he has full decision making authority on this request. I advised that I will no longer be using this Chase account he said he understood and that there is nothing he can do. A shameful example of customer service for a cardholder in good standing for over XXXX  years.
Consumer complaint received 2020-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

ATTENTION TO JEFFERSON CAPITAL SYSTEM. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$8300.00} does not belong to me. This account was fraudulently opened through this company JEFFERSON CAPITAL SYSTEM in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Borrower inherited property from mother who 's mortgage is in active foreclosure. Borrower submitted a facially complete loss mit on XXXX/XXXX/XXXX but has not been notified of any action taken. The bank 's Motion for Summary Final Judgment on the foreclosure is scheduled for XXXX/XXXX/XXXX. Borrower has filed an opposition thereto.
Consumer complaint received 2020-10-16
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: BARCLAYS BANK DELAWARE (WA)

I applied for the Bayclays Gold Card MasterCard and was  approved in XXXX. With this card and terms at which I joined, Barclays offered to waive the {$990.00} fee under the XXXX, along with having the card be at 0 % APR while on XXXX XXXX service. Shortly after in XXXX, Barclays changed their SCRA benefits and would no longer waive the {$990.00} annual fee. At this time, I was XXXX overseas on a ship and communication to solve this problem was not easy. I had communication with an XXXX XXXX, Office of the President at Barclays to try and resolve the new terms while I was XXXX, but was unsuccessful. I then had to cancel my account so I would not be charged the annual fee. Since then, I have spoken to multiple service members who have been grandfathered into their original terms for the duration of their time on XXXX XXXX service. I would like to reopen my account with the terms originally stated, as this is only fair to have it be the same across the board for all members.
Consumer complaint received 2016-07-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I have been trying to get SPS SERVICING INC to lower the mortgage payment on my home and they refuse to grant me a modification, I send the all the information that is required for the modifiction.? I ask them why they told me the first time I submitted all the information that my I come was to high for the modifiction? Then I was told by thier office just use my icome and my daughter income? Then they said me and her still did not qualify for the modifiction because our income was to low? I also ask them, why and what about the harp program they said we did not qualify for that? i is that not the program that is to help people like me and my daughter to save our home? I was told that was unfair tactics that was using not to help me save my home? I do n't know a lot about the housing market and how it is supposed to work please help me. Just wanted them to lower my payment, my husband is decease and yes he was a veteran. Please help me and my family to keep our home.
Consumer complaint received 2022-02-07
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. (MI)

I have reached out to XXXX on two separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the two other reporting agencies ( TransUnion and XXXX ), they have the same account listed with a late payment, however none of those dates match. TransUnion has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my XXXX XXXX is impacted negatively.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

Having received a reply from the history of my loan, XXXX XXXX, who went bankrupt and gave out faulty and or predatory loans, Litton loan who has had its ' owner purchase shares of new loan servicer with indemnity clause and finding knowledge of hedge funds and investments traughs that may have been awarded compensation on the note of my property, wanting to stay in home with a workout solution with added income. The persistence I have had to provide a home for my family and XXXX childs needs as a hardship said earlier, leaves me a pursuit to quiet title on residence for a additional loan audit which was securitized XXXX, XXXX XXXX having legal issues with real estate domestic and abroad. Having XXXX a year income since XX/XX/XXXX makes me want to cure with findings a lodgical solution with aided government help to see all is legal and done properly. The signing of papers from a censured attorney and a attorney that was sent to jail ( XXXX XXXX ) for mortgage fraud and other legal issues have hindered my resolve but to add more delays. Please find a happy Medium that a arbitration can produce a mediation that works for all involved. Ocwen, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2016-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (TX)

On XXXX XXXX, 2016 I submitted a payment for my remaining loan balance of {$1500.00}. This resulted in my loan being paid off. On XXXX XXXX, an additional {$500.00} was deducted from my account, which is the regular ACH payment that I had set up. I contacted customer service to ask them to release the funds back to my bank account and I was told that I would have to wait up to 30 business days to receive a check for the stolen funds. 

The Payment Request notification that I received states : " You 'll receive credit on your account as of the payment date listed. '' If my loan was paid off, and showed to be paid off, then why has Great Lakes continued to fraudulently deduct money from my account? 30 business days is entirely unreasonable, especially when Great Lakes is in the wrong. My account should be credited immediately. If that is not possible, a concerted effort needs to be made to issue the check immediately to mitigate my loss. Great Lakes had no problem charging me a daily interest rate of 6.55 %, but seems to think it is acceptable to drag their feet for up to 6 weeks and hold onto my money interest-free! 

When I asked customer service to reverse the payment, they said that only my bank could do that. I contacted my bank and they advised that Great Lakes initiated the ACH, so only they could reverse the payment. It seems that Great Lakes is intentionally failing to take action in order to maintain control of the funds that they took without authorization.
Consumer complaint received 2022-08-31
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MO)

My card was lost while on vacation and I tried to transfer my money to another account and cancel the lost card.I am unable to manage my money due to a computer gliche. When I called to rectify the situation, the phones cant recognize my information and disconnects or I am placed on hold for over two hours and the eventually the call is dropped without speaking to an agent.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TN)

Hunter Warfield is trying to charge me for a full months rent plus late fees and trash removal fees. Also for no returned keys. The leasing agent that I was in contact with during my move out is no longer working for the company. I put my notice in 60 days prior to moving out. My lease ended the last of XXXX. I moved out at the end of XXXX. That is 60 days! I cleaned my apartment from top to bottom. No damages were reported. I should have received a {$300.00} deposit that was paid prior to move in. I received a collection nearly 6 months later on my credit report for {$1700.00}. XXXX XXXX was the leasing agent I spoke with during that time. She verbally verified that I owed {$0.00}. She even called me when the new rental company I was trying to rent with emailed her for info. She sent my ledger over which was {$0.00} balance. As far the keys they were dropped off in the office after office hours. The little trash that was left in the apartment was bagged and ready to go to the dumpster. The only reason I didnt dump it is because the dumpster was over flowed! There was trash everywhere around the dumpster. I didnt want to add to the trash. There was no food left in the apartment. I also have a print out of my ledger with {$0.00} balance that was printed while on contact with current rental company. If I owed money then that would have affected my chances at getting my new place. They are trying to make me pay for something I am not responsible for. I put my notice in if the leasing agent dropped the ball thats not on me. I did my part. And moreover they changed leasing agents pretty frequently so it would be easy for a mistake to be made.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have excellent credit just check my report using Trans Union they are XXXX creditor on my report all my application got turn down from these creditor trans union say i should call and ask for a deletion letter i call but keep getting redirected
Consumer complaint received 2016-10-04
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: EZCORP, INC. (UT)

I received a call from a person named XXXX XXXX from the XXXX XXXX XXXX contacting me on an aggraved complain filed against me and need to speak to me to get both sides of the story and to document before case is issue for prosecution. If I did n't call back it will be documented non-compliant and forward to county for prosecution. I called back and spoke with XXXX XXXX, she said she was from the Investigations pre-trial division of XXXX, stated I would be prosecuted today and taken to XXXX in XXXX County if I did not resolve this matter outside of court. Placed me on hold, came back and said she needed to fill out a stop prosecution form and needed to ask me some questions. She asked if I had ever been prosecuted for writing fradulant checks, I stated no. She asked if I or my spouse had anything in our record indicating such behavior, I said no. She asked if i was on probation, I stated no. She then asked for the names and contact numbers to XXXX individuals who would speak on my behalf to attest I was a person of moral character. I provided my step father 's information and my sisters. She asked who XXXX XXXX was, I replied my aunt. She asked me to confirmed I still lived at my home address and I said yes. She confirmed the last XXXX digits of my social. She then placed me on hold, came back and stated the review board had agreed I could resolve this matter outside of court. Gave me this number to the attorney who handles this : XXXX, then asked If I new what XXXX was. That I needed to solve this matter within 2 hours or I would be arrested today and taken to XXXX county XXXX from 21 to 45 days before I could see the judge to plea my case. Said I needed to pay {$1100.00} via XXXX. At this point I felt very scared and unconfortable she continued to threaten me, asking me if I understood I will go to XXXX today unless this matter was resolved. I XXXX their number and online it stated it was an unsafe number. The number I contancted her was XXXX. I then googled EZloan and a page on the Consumber Bureau came up stating EZcorp had lost a sue from CFPB due to unlawful debt collecting practices. I told the lady on the phone I was not comfortable making any payments via XXXX, she said Okay then Good luck. You 're going to Jail. I then contacted theCFPB who read me the EZcorp case and explained that the phone call I had received was not okay and that the way I was being threaten was not okay and advised me that If i wanted I can file a complaint against them and explain what happend. I am scared, these people know where I live, the lady threaten me multiple times. I 'm scared to go home, I have small kids and now they have more contact information to more family members. I understand it was not legal for them to tell me that, it does not take the fear away. Please help.