davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (WI)

American Express says I have a account that I can't access or close account. 
I never had an American Express card through my local tax office and they couldn't provide an card through my tax office because of identity theft someone fraudulent got 1 or more already. I'm reporting I'm a victim of identity theft and tax fraud.
Consumer complaint received 2020-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..I was XXXX, my info was stolen.
Consumer complaint received 2015-12-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

My complaint is that I have documentation with a final payoff statement that took me XXXX separate requests to obtain ( good through XXXX XXXX, 2015 ), my checks that were cashed ( written XXXX/XXXX/15 and cashed XXXX/XXXX/15 ) and the final {$41.00} fee for transfer and release of title, yet Freedom Mortgage refuses to close out the mortgage loan and is now charging random and ever-changing amounts to close the loan. They cashed, but have not applied the {$41.00} check, nor have they sent it to the county. Their own continued statements indicate no further principal or interest owed. Their documentation and billing has been inconsistent, causing me to pay a late fee of over {$50.00} at one point, despite making double payments, early payments, and paying the refinance off years early. Their own agent, badge # XXXX, verified that a system error had not credited payment properly and that the escrow for taxes was fully paid as well. He assured me that the {$41.00} fee and charge that was listed without explanation was, in fact, for the transfer of title deed needed to closeout the loan and that would be forwarded to the county. He clearly stated and restated that the {$41.00} fee was the only remaining amount owed to close out the loan. They have excessive hold times of over XXXX mins, refuse to answer questions, provide competent assistance and hide behind layers of voicemails and automated options. I asked to speak with a manager and was told he " did n't know if one was available. '' I was transferred to a voicemail, left a message and a full week later received no response, no email, no call back. The automated balance, written balance, on online balance all reflect differently. In XXXX, I checked with the county and they indicated that the mortgage company had not yet forwarded {$41.00} payment ( made on XXXX XXXX ), they advised that I investigate, as the company had a limited amount of time, less than 60 days, to transfer title, or they actually owed us {$500.00} by law. When I called Freedom Mortgage last week and spoke with badge # XXXX and # XXXX, I was given yet a third amount that I owed, another amount of late payment now appears on my credit report, and I am justifiably XXXX. I want this resolved immediately, and this company audited, as I see numerous similar complaints about them online. How is this possible?! It is mob-like behavior and somehow they are getting away with it! My husband is a XXXX veteran of 26 years and it is soundly unfair that he be treated this way. The false billing smacks of mail fraud and the lack of response from the company, the lack of investigation is disturbing. I request that a certified accountant look into their business practices because it appears that this company is manipulating funds.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (CA)

This co garnished my wages for {$140.00} without any prior notice to validate it or contest it, when I called to find out what the garnishment was for, no one had any information on the garnishment to validate their claim against me I was transferred 5 times to different agents with no knowledge of my garnishment that took place on XX/XX/2024, they did verbally confirm that the only account they had on me was an old Barclays credit card that had XXXX XXXX owed on, absolutely no documentation to support this garnishment, I feel I have been defrauded and this co cant give me any validation on this garnishment I want my money back and this debt put on notice
Consumer complaint received 2015-05-13
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Check Resolution Inc. (SD)

My payday loan with XXXX went in to default last year when I hit some hard financial times. Apparently the debt has been sold numerous times to various collection agencies. I received a call XXXX days ago from a company called National Check Recovery, a gentleman named " XXXX XXXX '' stated I would be receiving papers for fraud as the loan was n't paid off. I called the number and reached National Check Recovery/XXXX, who stated I would be served with papers for fraud. I spoke with customer service at XXXX and they stated they do not work with this company in any way. 

The original loan with XXXX was for {$500.00}. I requested a validation of the debt, which shows the debt as over {$900.00} more than the pay day loan, but if they had to sue me it would be nearly {$3000.00}. I received the validation from them but there was not an itemized list of the charges. I spoke with XXXX XXXX today and he became verbally abusive with me, threatening to sue for fraud as I did n't pay the loan off. 

I told this gentleman I had not received any notice of this debt from their company and their threatening phone call was the first I had heard from them. XXXX XXXX told me they had sent " numerous '' notices by mail, but would not provide me with proof of this as I told him I had received nothing. I was unable to even speak an entire sentence during the conversation as he continued to interrupt, yell, and speak over me to the point where I had to firmly inform him that I would cease communication with him if he did not stop interrupting and raising his voice. 

I am meeting with an attorney tomorrow and told XXXX XXXX I would be showing the paperwork to the attorney. XXXX XXXX demanded to know the attorney name and address and phone number, which I did not share with him because I have not retained the attorney formally. He became quite verbally upset with me when he found out I was speaking with an attorney and asked what I was trying to " accomplish ''. 

I asked to speak with the XXXX XXXX, who left the original message a number of times over the last XXXX days, yesterday I was told he was " out to lunch and would call me back in about XXXX minutes '' and I never received the call. I called XXXX more times yesterday and asked for him and never received a call back. I asked again today to speak with XXXX XXXX and was told he does n't work there and is a process server. 

To date, I have not been served any paperwork ( which I 've learned in reading numerous times online that this is common with XXXX and XXXX XXXX, and people do n't receive any paperwork. ) I am attempting to validate this debt, yet National Check Recovery only makes threatening comments regarding fraud, and it is against the law to threaten jail time or be abusive over the phone when talking with a consumer. What do I do?
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (CA)

XXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX   checking to ambulance co, XX/XX/XXXX, and then paid {$46.00} XX/XX/XXXX. 
Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. 
Please help Thank you for contacting us, we have checked with the original provider and they did receive a payment for {$46.00}, but the check for {$260.00} was not cashed. Thank you for the copy from your XXXX XXXX showing check for {$260.00} was sent, but we need to see proof that it was cashed. XXXX XXXX has indicated that the check was returned to you. It was returned because it read payment in full, but it was not the right payoff balance. XXXX XXXX has indicated that they agreed to accept {$310.00} as a courtesy after they received your {$46.00} payment on XX/XX/XXXX. Grant Mercantile extended the due date for the discounted amount of {$310.00} until XX/XX/XXXX. As a courtesy the due date will be extended until XX/XX/XXXX in a good faith attempt to help resolve this matter. If you have any further questions please call us directly at XXXX Monday through Friday and we will do our very best to help you. Thank you.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I have recently created this account and charged one of my clients {$19000.00} for my consulting service. Chase Bank has closed, my merchant account for my consulting company, XXXX XXXX, due to concerns about high chargeback or dispute rates on XX/XX/2024. As soon as I got the email for this i contacted a branch manager, he stated that this has to be solved with the chase internal team and he gave me a number to call. After reaching out they have told me to submit an appeal with all necessary documents which I have done, they have later rejected the appeal with no legitimate reason. Till this day on I still call chase trying to solve this issue, and they never could give me details on how to correct this issue.
Consumer complaint received 2018-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from Toyota Financial Services dated XX/XX/XXXX saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with Toyota Motor I went personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX Toyotas dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with Toyota Motors or  XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NY)

Approximately 7 days ago, I deposited a check for {$10000.00}. After the deposit was approved on  XXXX   XXXX   2017, I w as advised the funds would be placed on a 5 day hold. Shortly after on  XX/XX/2017   , Loss Prevention placed a block on my account restricting my access to online banking and left me a message.     I was told the account was placed on hold due to further verification that was required in order to verify the check with the drawing bank,  XXXX , and the LP Representative,  XXXX   XXXX  advised she would get back to me after speaking to  XXXX .     On  XX/XX/2017   ,  XXXX   XXXX  stated the check was verified, the funds were cleared and available and that she would be closing all of my accounts and would issue me a check on the closing balance, only AFTER withdrawing/transferring {$2900.00}  to Ally Ban k for funds owed on a Jointed Money Market Account ending in  XXXX  that was closed and charged off prior to this matter.     For the record, I have been a loyal customer and disagree with the decision made to close my accounts. Also as  of  XX/XX/XXXX  ( today  ) in which my funds from my last deposit were to be made available for use, for the record I am stating, I did not authorize, and am not authorizing  Ally Ban k to transfer or withdraw funds from my interest checking account ending in  XXXX  to cover the debt owed on the Joint Money Market Account ending in  XXXX  which has already been charged off and closed. I am not solely responsible for this debt, nor did I cause this negative balance to occur. I have no involvement in any of the account activity leading up to the negative balance, and do not authorize  Ally Ba nk to use funds from my checking account to pay this debt
Consumer complaint received 2021-08-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I attempted to open an account with Citizens Bank, which had a potential bonus offer of up to {$400.00} ( {$300.00} for deposits of {$500.00} or more and {$100.00} for debit card transactions ). Citizens Bank rejected my application, providing an email, claiming that it was based on my credit report. However, no specific explanation was provided. My credit score is one of the highest in the United States at XXXX, according to XXXX. This appears to be some error or discrimination from Citizens Bank. It's a shame, I have a large amount of money that I was considering depositing.
Consumer complaint received 2018-02-02
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. (TX)

The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2016-07-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CO)

I have complained against them previously under claim # XXXX. When it showed up under my XXXX report, and now it is on my XXXX report. They have been told any credit dept was filed under XXXX of XXXX bankruptcies doc # 's were given. They say this is a new account from 2012, the name they say it was opened under is my married name. I was n't married in 2012 I was n't even with my husband in 2012. Company has never contacted me in fashion. I only found out about this account since I check my credit reports every year. I put a fraud alert on my credit accounts after the 1st episode which is how I found out about the 2nd incident.
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

We have automatic debit setup to repay our loan. Payments are drafted on the  XXXX  of each month. A telephone call on  X/XX/2017    asking to post-pone the  X/XX/2017    draft until  X/XX/2017    was denied. I was told we must call 3 days in advance to alter our automatic debit payment and my call on  XXXX  was too late. I asked if this was communicated to their customers? The representative said " does n't know. '' The rep attempted to cancel/post-pone the transaction but it still went through and I was assessed an overdraft fee of {$37.00} by my financial institution.
Consumer complaint received 2022-08-12
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. (FL)

The Credit Bureaus stated my account was properly investigated. I do not agree. This information cant be accurate if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. These issues have had a negative impact to my file which is a violation. This shows grounds for removal they also have violated my rights under : 15U.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 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I bought a car in XXXX from XXXX and bridgecrest was the company that financed the vehicle. My bank, XXXX XXXX, approved me for a loan to refinance the vehicle with better terms. I sent a check for {$26000.00} which Bridgecrest told me was the 10 day payoff amount on XX/XX/XXXX. Bridgecrest sent me a text message thanking me for my payment of XXXX. On XX/XX/XXXX one of their customer representatives called asking for payment on the vehicle. When I investigated the situation with my bank they said that Bridgecrest didnt endorse the check properly so my bank didnt release the funds.When I told one of their customer service reps what happened, they emailed someone in customer relations and told me to wait on a response. Bridgecrest sent me an email the same day telling me to send another check for the new 10 day payoff quote, which was an additional {$220.00}. I got another check from my bank on XX/XX/XXXX for {$26000.00} and I sent it overnight along with a personal check for {$220.00}. On XX/XX/XXXX they processed the check for {$220.00} but as of today, XX/XX/XXXX, my bank states that they have yet to process the check to pay off the vehicle. I have called several times and spoke with customer relations agents but all they do is send an email to their managers and I never get a call or email from anyone at this deceptive company.
Consumer complaint received 2020-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

Do to COVID my wife lost her income and we was SUPPOSEDLY put on a Forbearance plan that would STOP late fees, however they have not stopped the late fees! We are making $ XXXX {$800.00} a month payments ( what we can afford ) we pay something EVERY month. They said we can not make any payments at all or we can not be in any plan, they want us to send a balloon payment .... We have asked for a modification of the loan since it is FHA and they just keep dragging their feet, it has been since XXXX or XXXX since we was put in the so-called no late fee plan ... We have called and emailed well over 9 times and just get a runaround. I am XXXX and we have a child that was born with a XXXX. We have lived here in this house since 1998 and it seems they just want our house! Theres a missing payment which they say is from last year one time then again from this year ... ... they can not keep their answer straight! We want to be on a loan modification program and asked about that from the start and was told we would be placed on current no late fees program until modification, which neither is in place