davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-31
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (MO)

My loan was due on XXXX/XXXX/2015 which I paid on XXXX/XXXX/2015. I was told my pay off would be {$550.00} on a {$300.00} loan so I paid it. The next day, I XXXX guessed that payment and called to inquire ; I was told by XXXX that she had to speak with XXXX the store manager and would call me back. I had not heard from XXXX so I called today, XXXX/XXXX/2015. XXXX simply apologized to me, stated there 's nothing she could do " days later '' and offered me another loan for {$200.00}. 

I stood in front of the person helping me and counted out {$550.00} and handed over a quarter. The girl handed me back a XXXX dollar bill and said I gave her {$550.00}. 

I was n't given a receipt or the copy of my contract. I was so disturbed over owing {$250.00} on a {$300.00} loan that I just walked out of the place. 

I have been taken advantage of.
Consumer complaint received 2016-11-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

Caliber home loans failed to pay our property taxes on time. As a result we paid taxes due on the due date. We were charged a transaction fee of XXXX dollars for using a credit card. Talking to them, they would n't reimburse us right away or pay the transaction fee. This is unacceptable, it 's our money in our escrow account. 
Loan # XXXX
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — Store credit 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. (MN)

I received an email today from XXXX Department store. The subject line was "Credit Card - Minimum Payment due Alert".  It provided my statement balance, Minimum due, Payment due date and last payment amount. It then stated "If a payment was already sent, or is scheduled to be paid, please disregard this message.  I have been a client of XXXX since 1996.  They just granted me the status of "Platinum Customer". I want to file this as a formal complaint against XXXX that they are sending email alerts about a payment that is due in five days.  This is horrible business practice.  I did let XXXX know that if another email as such came I would close my account. I would appreciate a response to this complaint
Consumer complaint received 2021-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2021, I went to a Capital One Caf in XXXX, Arizona, to make a cash deposit into my checking account. The cash had been a birthday present from my father, mother and other relatives in XXXX and I intended to use it to cover the cost of higher bills I incurred due to repairs at my home. 
The ATM machine said I could insert up to XXXX bills at a time. I had XXXX folds of XXXX {$100.00} bills each and {$440.00} in loose bills, for a total of {$2200.00}. My plan was to deposit all of it into my account. However, after some failed attempts at inserting a number of bills together, including attempts witnessed by an employee of the caf, the ATM flashed an error message and kept my money. I believe that, in total, between the two ATM machines I used, {$1700.00} were kept. 
I immediately contacted Capital One and did so again on the morning of XX/XX/XXXX, given that XX/XX/XXXX was a federal holiday. I was told that I will have to wait 10 business days for a provisional credit and 45 days for a resolution of the investigation. Meantime, I have a number of bills due and only {$53.00} in my checking account. I asked for an earlier credit, but the bank refused, saying it is procedure. This is unacceptable. The money is mine and was stolen from my by the ATM. I need Capital One to resolve this immediately and issue at least a partial credit so that I can keep my financial responsibilities.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

-Violation of 15 U.S. Code 1692c - Communication in connection with debt collection I did not give permission to any debt collector to contact me -Violation of 15 USC 1681 ( 2 ) Exclusions ( 3 ) ( e ) - The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
-Letters have been sent to my residence in which I did not authorize any information from my credit card, which by definition credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Source 15 USC 1602 ( l )
Consumer complaint received 2018-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I contacted Resurgent Capital Services ( RCS ), a debt collection agency, regarding a fraudulent account back in XX/XX/XXXX. I submitted all required documentations to verify that the account was indeed fraudulent. Upon completion of their investigation they found the account to be fraudulent, and sent me correspondence that the account would be closed and deleted from my credit report. The letter they sent out was dated for XX/XX/XXXX. Upon checking my credit report XXXX XXXX, the account was still on my account as accurate. I then submitted a dispute with XXXX because the debt collector was still reporting the account as negative and accurate. I called RCS again in XX/XX/XXXX, and they told me the account was closed and was fraudulent, and sent out a new letter dated for XX/XX/XXXX saying they would delete the account and have it updated.
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P. (UT)

In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a  dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail.
Consumer complaint received 2017-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (TX)

I received a call from Frontline Asset Strategies demand the balance of an account for about 750.00. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only.I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance can't be verified. 
First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX.
As of the second email, the company has not validated the debit properly, but still reporting it on my credit.
Consumer complaint received 2017-11-07
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. (CA)

XX/XX/2017 Allowing multiple hard credit report inquiries from one signed consent of XXXX XXXX XXXX. For signed allows XXXX consent, no others stated on form. XXXX additional hard inquiries had been added. California State penal code stipulates a consent is needed for each credit inquiry made as well as U.S. Code. I signed for XXXX XXXX only.
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc. (NY)

Dear staff, I recently opened a PayPal account online, also formerly known as XXXX XXXX XXXX. I was approved for this account right away after applying for PayPal online account. When I tried to use me card my purchases would not go through, I called PayPal and they said they see I tried to make a purchase for XXXX at XXXX for toothbrushes. The agent stated since it was a new account I should try another store, unfortunately that did not work either, I made another call and the second agent said maybe the system is trying to determine if it's really me. 

I checked my account the next day and noticed that all my credit was done and the account was closed. I called PayPal and they said that they found an account in my name from XX/XX/XXXX '' which was fifteen years ago. They said I opened a XXXX XXXX XXXX account, which in fact I never had any accounts in XX/XX/XXXX. I reported this account as fraudulent to them and explained I never had or opened any accounts in the name of XXXX XXXX XXXX. I asked the agent what it was for, they told me they did not know and that can't see that far back. I then asked were it was opened again they did not say. I did ask for the amount that was in question the agent stated in or around a XXXX Dollars. Again I reported this as fraud and told them I never opened an account. I then asked for an account number so I can report a fraud claim, again they did not have one. The agent stated that she will submit the fraud to their back office and I will get a letter in the mail if it's in my favor. Unfortunately I can't report a fraud claim since I do not know what it is I am reporting. Secondly I never had a bill me later account that I opened. She then asked me if I know anyone that could have done this. I told her I was a student and had many roommates living with me, I could not confirm if someone stolen my information since this is 15 years ago. I checked with all the credit burues and they all checked their archives their is no documentation of any account in said names. 


I was approved for a XXXXDollar credit line and I want my credit back. Since this is fraudulent and I had not opened this account 15years ago. 

According to the FCRA accounts that are that old should have been deleted, other than child support or other federal loans. This was also mentioned that it was illegal to use an account that is a retail account from 15 years ago. I also reported all known addresses and phone numbers to the agent and she said none of them matched what she has. I also am on file with the three credit burues and they have all my address since XX/XX/XXXX. 

I am requesting that my account be reinstated effective immediately. 

I am also notifying the District attorneys office. And the BBB. I will also seek counsel since this is a fraudulent account and consumers have rights under the Law.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (CA)

In mid XX/XX/XXXX, I tried to make a routine wire transfer ( 4x yearly of XXXX XXXX the account balance for the past 3+ years ) to an overseas account, also in my name. Discoverbank changed the wire process midway through my transaction. They called me and asked me in real-time to click on a random link in a text message from an unverified phone number and upload images of my SS card, drivers license, passport, and birth certificate. Some of these items are not easily accessible, but more alarming was the fear that I might not be speaking to a Discoverbank representative at all, after having already provided similar identity information ( last 4 social, mother 's maiden name, birth date, phone number, voice recognition, etc ). I declined to click on the link, explaining that I was uncomfortable doing so and that I would call back at a number that I knew. When I did so, Discoverbank confirmed that this was indeed the new wire process. The new verification process was not disclosed in any documentation or the official wire request form, which I noted during that call. I became upset at the distress this caused me and the idea that Discoverbank might be training consumers to be future victims of identity theft ( by normalizing requests to provide sensitive documents to a caller ). Why wasn't this handled through their secure portal like all other documentation? I lost faith that Discoverbank has good practices in place. I told the representative that I wanted to cancel the wire because I was taking my business to a different bank. The Discoverbank wires team promptly retaliated by freezing my bank account and my credit card. I did not discover the full extent of this until my bills went unpaid and I phoned back. My bank account, which was opened in XXXX ( credit card account in XXXX ), remains frozen at the end of XX/XX/XXXX. I have not been told if a XXXX was filed, I have no debt judgements against me, and I do not suspect identity theft. I have received no alerts or communications from Discoverbank regarding this matter. I have asked for, but not been provided, clear instructions on how to resolve the issue. And my request to close my bank account has been denied.
Consumer complaint received 2018-02-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

We challenged the alleged debt from Ocwen. We sent numerous debt validation letters to Ocwen Loan Servicing on XX/XX/XXXX. We received correspondence back from Ocwen on XX/XX/XXXX stating that they are still researching and they will respond within 10 business days. The following nine days, we received a second notice on XX/XX/XXXX showing an Escrow printout. We received a third notice dated XX/XX/XXXX showing that the loan originated on XX/XX/XXXX by XXXX XXXX XXXX, a Delaware corporation, for the amount of {$340000.00}, which is no longer in business. According to my research pertaining to Ocwen Loan Servicing, they are now listed as a third party debt collector and have numerous lawsuits filed against them, so therefore, they need to be fully investigated before initiating foreclosure. In regards to Ocwen Loan Servicing we  received a copy of the Deed of Trust, the 1003 Uniform Loan Application and the HUD1 Settlement Statement and the alleged Note. So according to the documents received, we noticed that the loan is in a predatory, truth in lending and RESPA violation according to the real estate laws. This loan is an adjustable rate mortgage which falls under predatory RESPA and truth in lending.
Consumer complaint received 2016-11-28
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: M&T BANK CORPORATION (AL)

I have outstanding debt on my car loan with M & T Bank. I have been called XXXX times in the last XXXX days about this. I have explained my situation several times to them and they have even told me they have posted it in my notes. I have told them the earliest I could make a payment was XX/XX/XXXX. They have called me XXXX other times to try to get payments. I told them they could post date a payment for XX/XX/XXXX and they told me they ca n't post date it that far in advance. They can only post date it to the XX/XX/XXXX. This is a form of harassment and I want legal action to be taken against M & T Bank. I am unable to refinance the loan because the bank has told me I would have to be present with my father to do that. I live over a XXXX miles away from my father and am unable to travel back home for that. My credit has taken a severe hit because of this loan. I tried having my personal bank take over the loan and due to my credit it would have been too risky as they say to buy out the loan and refinance it. I am losing sleep over this.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I rented a vehicle ( XXXXl ) from XXXX XXXX XXXXXXXX XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) on XX/XX/XXXX using the self check in method online. The amount of the charge is mostly based on the amount of miles driven. I returned the vehicle the same day after driving it about XXXX miles. The merchant, XXXX XXXX XXXX XXXX XXXX, did not check the miles until the next day, XX/XX/XXXX at XXXX XXXX, and claimed that I drove the vehicle XXXX miles. They charged me {$400.00} instead of {$120.00}. They overcharged me by {$270.00}. They charged me more than three times what they should have. They sent a " contract '' that does not contain my signature with this {$400.00} amount via email on XX/XX/XXXX at XXXX XXXX. 

I immediately disputed the purchase amount with my credit card company, Capital One. They did a credit adjustment for the disputed amount of {$270.00} on XX/XX/XXXX since this amount was in dispute. Capital One said that they would contact the merchant for further information. 

However, on XX/XX/XXXX, Capital One charged the {$270.00} back to my credit card account. I called them on XX/XX/XXXX asking why did this. They claimed that I needed to provide more evidence. On XX/XX/XXXX, I faxed them documentation including documentation from my XXXX Timeline that showed where I was on XX/XX/XXXX and a receipt from XXXX XXXX ( a grocery store located at XXXX XXXX XXXX XXXX, XXXX , DC XXXX ) from XX/XX/XXXX at XXXX XXXX  showing that I was not at the XXXX XXXX XXXX XXXX XXXX at the time that they checked the truck 's miles on XX/XX/XXXX. I also sent the email in which XXXX XXXX sent me the receipt. 

When I called Capital One on XX/XX/XXXX, they confirmed that they received the documents. I further explained my case. They refused to credit the disputed amount from the credit card account saying that it is " part of the process '' and that I should hear back from them within the next 7 to 10 business days, which would be after the credit card due date of XX/XX/XXXX.
Consumer complaint received 2018-02-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Check Resolution Inc. (TX)

Company : NCR ( XXXX XXXX XXXX ) After recieving several calls and voicemails, my sister told me to call this company back. They told her that I owed a debt and they would be pressing charges on me. When I called, they told me I had to pay that day or else they would be pressing charges against me. I was more worried about the warrant and court fees at the moment so I authorized the payment. After doing much research, Ive discovered that this a popular scam and I am deeply saddened. I only have {$270.00} to my name and gave them {$200.00}. As I thought, that payday loan was indeed paid off and I did not need to make any further payments. This payment was made on XX/XX/18.
Consumer complaint received 2022-03-31
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. (PA)

Equifax needs to fix the issues about the inaccurate information for the unauthorized inquiry and reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the item since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the inquiry that I am disputing : Inquiries : XXXX  XXXX XXXX/XXXX/2020