davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MN)

I tried to download a copy of my free credit report from Equifax, but all the identity verification questions were about accounts that were not mine so I was refused access. ( I was able to download a copy of the report from another provider. ) I let Equifax know that there 's something wrong with their identity verification algorithm, and they sent me a copy of my credit report along with a request to call their toll-free number. I called it, and got a recorded message saying that no one is available at the moment, and to call back between XXXX and XXXX. It 's XXXX : last time I checked that was between XXXX and XXXX! 
Seriously, these people have important information which is used in making credit decisions, but they do n't appear to even be trying to do a good job of making sure it 's correct and accessible to consumers themselves. So frustrating.
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (NC)

I am XXXX XXXX ( Power of Attorney for my Grandmother, XXXX XXXX ). 
Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX, United States of America. 
I had to take over my XXXX Grandmother 's finances because she has not been competent to handle these affairs herself for some time now. I spoke with customer service approximately 6 weeks ago to find out why she was getting billed every month and getting fees and late fees for a card she knows nothing about. The customer service rep ( CSR ) looked back 7 years into the account ending in # XXXX and could not find where a charge had ever been made. The CSR said that he was submitting the issue for investigation and I would receive a response in writing. The response never came, but another bill did. I called customer service again on XXXX/XXXX/15 and spoke with a CSR. After verifying my identity and the information showing me to be the Power of Attorney, he forwarded me to another CSR. The CSR refused to talked to my unless I gave him my social security number. I stated that my SS # is not on the Power of Attorney documents they have on file and would serve no purpose. The CSR ( stated his name was XXXX XXXX ) refused to talk to me at XXXX EST. 
I truly believe this to be a case of a credit company taking advantage of an XXXX XXXXyr old woman. My grandmother had been paying this account for several years with absolutely no idea what it was.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (OH)

looking at my second mortgage and I feel it is not legal. on XX/XX/XXXX i obtained a second mortgage " from a friend that was a broker ''. It is from specialized specialized loan servicing in highlands ranch co. the payments are {$330.00} with {$24.00} going to the principal the annual percentage rate is 14.069 % with a balloon payment due XX/XX/XXXX of {$25000.00} finance charge is {$57000.00} the amount financed is {$28000.00} total payments {$85000.00} with a balance due as of today of {$27000.00}.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I have had a checking account with Regions for over 20 years which provided free checks if I maintained the required balance. I call Regions today on XXXX/XXXX/17 and spoke to a manger who advised me they had changed their policy and free checks were no longer available. I reminded him that when I applied for the checking account they stated free checks were part of the package.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Billing disputes — 
Company: Selip & Stylianou, LLP (NY)

XXXX XXXX REFUSED TO ACTIVATE THE XXXX INSURANCE ACCT AS I AM XXXX AND A SENIOR XXXX. XXXX XXXX CONTACTED A COLLECTION AGENCY! 
IT IS AGAINST THE CONSUMER PRETECTION LAWS
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (ID)

I have tried to make online payments with Synchrony bank and XXXX the payments have not cleared because of their servers. I have have written a letter and sent to XXXX address 's disputing my additional charges and no one will contact me other than debt collectors who say they ca n't do anything about me being charged additional fees even though I have fold them all I have disputed the charges in writing, I have asked to talk to someone who can help and they say I must pay all late fees and it does not matter that I have written letters disputing the late fees.
Consumer complaint received 2015-03-25
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Community Health Investment Company, LLC. (MS)

I went to the XXXX because I thought I 'd XXXX. The hospital kept having issues with my health insurance company, and it took almost 6 months to get it straight. The hospital had already turned it over to the debt collector, and I have paid the debt in full. The debt collector has also called me at work despite being to not to do so.
Consumer complaint received 2016-10-11
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: WLCC (OK)

I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (CA)

This is my fourth complaint, in this same matter : Received today, my first and only notice from the County of XXXX Recorder, that a Notice of Default has been recorded against my property, document # XXXX dated XX/XX/XXXX. Notice states that filing was done electronically. Document has the signature of XXXX, Assistant Secretary of Quality Loan Service Corp., Trustee. 

Document confirms that the loan date was XX/XX/XXXX. 

As I stated before in a prior complaint, Quality Loan Service in its XX/XX/XXXX Debt Validation Norice letter, stated : '' The current creditor to whom the debt/loan is owed is : XXXX XXXX XXXX, XXXX. ". 

As Instated before in a prior complaint, the XXXX XXXX website states that the owner of my loan is XXXX XXXX. 

Quality Loan Service made a material false statement in its Debt Validation Notice letter. This is serious. XXXX XXXX owns my loan and is my lender. 

As I stated in a prior complaint, California requires for loans made between XX/XX/XXXX and XX/XX/XXXX on XXXX to XXXX Unit Owner Occupied Properties, that the lender as required by Cal. Civ. Ciode sec. 2923.5 ( a ) contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure. 

XXXX XXXX never had a conversation with me. 

Even though XXXX XXXX never had a conversation with me, as required by Statute, the loan servicer XXXX XXXX took it upon itself to have Quality Loan Service file the Notice of Default. 

Furthermore, the copy of the Notice of Default sent to me by the County of XXXX Recorder ( XXXX pages ) does NOT have any declaration by the lender ( XXXX XXXX ) that it contacted me to explore options to avoid foreclosure. This declaration is required by Cal. Civ. Code sec. 2923.5 ( b ). Contact has to be by phone or in person, per Cal. Civ. Code sec. 2923.5 ( a ). 

XXXX XXXX is the owner of my loan, the lender. 

XXXX XXXX is only the servicer. Declaration has to be by the lender, per Statute. A declaration by the loan servicer of contact attempts does NOT comply with the Statute.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NY)

I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

Navy Federal Credit Union, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is NAVY FEDERAL NFCU. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase XXXX XXXX transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. 

Pursuant to 16 CFR 433.2, It is unfair and deceptive for NAVY FEDERAL NFCU to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what NAVY FEDERAL NFCU mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by NAVY FEDERAL NFCU however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.
Consumer complaint received 2015-07-29
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC (MN)

A credit of {$1000.00} was made to my bank account by Castlepayday. I did not apply for any loan. I contacted the bank & they instructed me to call Castlepayday which I did. They verified all the information, told me a debit would occur on XXXX/XXXX/15. Today the bank called and Castlepayday debited XXXX. I again contacted them and was told the additional XXXX was interest amount on the XXXX loan. They again verified the transaction and I was told that the XXXX would be reversed along with a XXXX fee because their action caused an overdraft at the bank. I was told the first action occurred because of an error in typing the account number by one of their employees. But to then make a XXXX mistake is unacceptable.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/2021 I attempted to send a PayPal payment to my wife, XXXX XXXX. When I entered her name in PayPal 's website it came up, I sent a payment of XXXX to her. I asked my wife if she received the payment and she stated she had not received anything. I got back on to PayPal website and realized that there was another person with the exact same name as my wife and the other person is who the money was sent to. I immediately contacted PayPal to see what I could do, they suggested I cancel the payment but that did not work. They suggested I stop payment the transfer through my bank which I did but PayPal used my debit card after the payment was denied using my checking account information. Now because PayPal is just a payment processor my bank will not help me get my money back. I attempted to contact the person the money went to in error but have received no response.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (NY)

A year ago I voluntarily Suspended my credit card account with Discover Card, in order to lower my interest rate. I have never been late. Always paid on time. I agreed to do this for a one year period. As of XXXX XXXX, 2016 I was supposed to be able to use my card again. Discover card REFUSES to release my card since they claim they have to see if I can still pay for the next few months at the new rate. This is not only ridiculous, but Illegal! I have been a Discover member for 20 years! I have never been late. I am a single woman and feel they are discriminating against me! They refuse to release me. Please look into this as soon as possible. They are re-dictating the payoff process..
Consumer complaint received 2015-09-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America charged a {$35.00} fee on a cash transfer -when there were available funds-, causing my account to drop into the negative. After contacting BoA, they admitted that yes, they applied this fee to a cash transfer when there were available funds, yet refused to return the fee. I went to management, and filed a claim through their process which they then denied. I have a copy of the online chat with their representatives and a screen capture of the charges applied to my account. I do not understand how this is not flat out stealing.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One acct # XXXX is locked by security, all attempts to resolve the unauthorized charges and unlock this account that I have had for 15 years have been unsuccessful. capital one has demanded I prove I am the account holder, I have called and sent Photocopies of my drivers license, bank statement and proof of my social security number THAT should be UNNECESSARY and discriminatory as I am over 80 years old and I am being forced to close this account. I owe nothing they owe me yet capital one will not explain their actions nor determine the status of this account. I also have another account with capital one that has never been used that I can discuss with them so they KNOW WHO I AM. I am demanding Capital One explain why this account was locked and refund what I am owed I will close the account myself when I am Satisfied
Consumer complaint received 2021-01-26
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. REMOVE THE FRAUD ACCOUNTS ASAP!
Consumer complaint received 2018-12-04
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)

I have been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (GA)

I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname XXXX, CONSUMER, and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that Ii will CONSUMER, XXXX and autograph as the agent, attorney in fact, so be it. 


I sent Ability Recovery Services documents requesting validation of the debt this company assumes I owe. Ability Recovery Services received these documents on XX/XX/2021, and has not responded to any of the documents, which all must be answered and sent back. 

Ability Recovery Services is in violation, 15 USC 1681a ( 3 ) IDENTITY THEFT- The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Under 15 USC 1681b Permissible purpose of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Ability Recovery Services permission to report any information on my consumer report. No consent is IDENTITY THEFT.

Fact, FDCPA 15 USC 1692, NO third-party debt collector ( Ability Recovery Services ) is allowed to have or purchase my information without my consent. This is an infringement upon my right to privacy. 

Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Fact, I am sure this information will be removed and that my privacy rights will not be violated again due to my lack of consent.
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (NC)

I 've sent a letter to Williams & Fudge explaining that the debt they have reported I owe, I do not. I requested a validation of debt owed, and that information was not provided to me as requested. I also have asked previously through harassing phone calls attempting to collect this debt for validation, and nothing has been sent to me. I have yet to see acceptable proof that this debt is owed. By law, they are required to provide this information within 30 days, that was not done.
Consumer complaint received 2015-10-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase sent a letter stating that they will no longer be declining charges that customers do not have funds to cover that are not enrolled in overdraft protection. They will be allowing accounts to be overdrafted and fees charged " at their discretion ''. This is a blatant violation of the last overdraft protection settlement.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.