davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (CA)

I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation XXXX days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Telerecovery Corporation (LA)

After being removed or deleted from one credit bureaus files after being investigated by XXXX this collection agency, sending this information to the other bureaus like these are new collection account. I asking for this to stop and not share this information with others. Without approval. It is transferred from one to the other.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

We have a mortgage being serviced by ditech. After the escrow review, there was a shortage found and we were asked to pay it up front or have our payments go up. The document stated if the shortage was paid by XXXX/XXXX/2016 our payments would be {$2700.00}. If not they would go up to {$2700.00}. We paid the shortage of {$1000.00} which was applied to the account on XXXX/XXXX/16. But the statement sent to us is demanding {$2700.00}, the amount for not paying the shortage up front. I 've called the customer services department and they claim it was applied to the wrong place and they say I still have to pay the extra amount and said it would come off my next statement. But their own billing statement shows the {$1000.00} applied to the escrow. They still increased the payments as if we did not pay the shortage in full. In essence, they are trying to steal {$48.00} from us each month. In this process, they have also suddenly changed my account number, which will be given in a later step.
Consumer complaint received 2015-05-06
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

I subscribe to overdraft protection from PNC Bank, but even with this they charge a {$5.00} fee if it is used. On XXXX/XXXX/15, in the evening, I noticed that a few purchases I made ( but did n't post yet ) placed me at - {$46.00}. Knowing of the {$5.00} fee that is assessed, I transferred all {$300.00} from my savings to my checking Sunday night. Apparently, later that evening or Monday morning the overdraft protection transferred {$46.00} to checking. But, since that money was already transferred - by me - my savings reflected a - {$46.00} balance. 
I did n't realize this until today when I also noticed, for the last XXXX days ( and it would have continued had I not transferred money ) that PNC was charding me {$7.00} a day ( my balance in savings as of this morning was - {$60.00}. 
How can they charge me for a situation they created? Why would their system allow a transfer from an account that had {$0.00}. I feel it is unfair and a complete money grab.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX has 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 a account without my written instructions.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/2022 I noticed fraudulent accounts on my credit report, I filled a FTC report along with a CFPB compliant regarding the fraudulent accounts .The particular account that I am filing a complaint on today is Transworld systems. The fraudulent account appeared on my XXXX account before XX/XX/2022. The account has been removed from my XXXX account .On XX/XX/2022 the account is now appearing on my XXXX account .Because of this fraudulent degatory account my rights as a consumer has been violated .15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.Transworld systems has been notified of this fraudulent account and continue to violate my rights by reporting false and misleading information on my credit report.
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: New Century Financial Services, Inc. (NJ)

I received a notice of application for wage execution from this law firm through the courts but the notice did not say who the original debtor was, how much was owed, did n't even mention an account number so I could verify. They only mentioned that they would take 10 % of my income but did n't say for how long or what the total amount is.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2016-12-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (NY)

Attached is a letter I wrote to Key Bank CEO XXXX XXXX. I ask the regulators reviewing this complaint to review the represented facts for statutory and regulatory violations of Key Bank 's representatives. Given the communication requirement of the Wall Street Reform and Consumer Protection Act, I expect a response from XXXX XXXX to what appears to me to be multiple violations of the Wall Street Reform and Consumer Protection Act and the prohibition against Unfair or Deceptive Acts or Practices, 15 U.S.C. 45 ( a ) and New York State XXXX XXXX of a number of Key Bank 's employees. I am hoping XXXX XXXX will step up and rectify this situation, so that we can mediate a workout agreement with an empowered Key Bank representative. This complaint is identical to XXXX ; I am including as the supporting document, " Later version of Word Letter to CEO XXXX XXXX, '' a later version of Word document of the letter. Because CFPB 's system does not allow the uploading of additional documents after the initial submission, I am making a new complaint.
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WI)

I have attempted to get a loan modification from GMAC, nka OCWEN for 4 years. I have sent in XXXX modification packages with over XXXX documents in each one with delivery confirmation, have mailed the documents using delivery confirmation, have faxed them in and have emailed them. Every time they start to process, something is missing on their end. In total, I have faxed over XXXX pages of documents trying to facilitate their processing. Now the servicing agent, OCWEN, has started a foreclosure action, even though there is a modification package on file that is, again, in process. I thought GMAC scammed us all but the real scammer here is OCWEN. They now claim I owe {$74000.00} more than my original amount owed due to late fees, interest, penalties, real estate taxes and home owner 's insurance. I owe more since they have nothing but give me the run around about needing more and more documents. All in an effort to make more money.
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Express Collections, Inc. (SD)

They call me on my cell phone during working hours. They are aware this is a cell phone. I have told them that I do not have a land line I have written to them telling them not to call me at my job. They are aware of my work hours. I also do not owe this debt. The vet took an XXXX that I did not authorize.
Consumer complaint received 2017-01-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

To : Whom It May Concern, I had gotten behind with my mortgage payment and soon begin to face foreclosure. In the process of all of that I received a postcard in the mail from a Law firm named XXXX XXXX XXXX XXXX XXXX that specializes in helping people like me keep their home without filing for bankruptcy. I contacted them and I spoke with a lady named XXXX XXXX and she advised me that her company can help me out. She stated to me that the fee for helping me get a loan modification with Wells Home Mortgage was XXXX and I had to pay it in XXXX installments which was XXXX XXXX, XXXX XXXX and XXXX XXXX which I paid faithfully each month. Mind you I had to filed a chapter XXXX in XXXX which I though was strange because she stated without filing bankruptcy. She sent over documents for me to signed and date for loan modification and I did all of that. It was in XXXX when I was informed that I was facing foreclosure on XXXX XXXX, 2017 and she still was telling me that I was not going to lost my house. Well, my house was sold to a third party on that day this is the day she wanted me to go back down to court house and filed another XXXX and I refused to do so. She was going to called Wells Fargo to see if they would stop the sale but they did not. I have not heard from this lady again. She has not returned any of my phones calls, emails, texts or anything. I went down to the home office and found out that she works from home and she is a part of the company and works under Attorney XXXX XXXX to get clients and they were going to look into it and I have not heard from them as well. Now that my home as been sold and I have a few more days to move out. I am lost for words and I feel as thought this was a scam and I just want my money back so that I can move out and found a place for me and my daughter. This woman called me at least 5-10 times a day. This stress of this situation has caused me to be XXXX because I suffer from XXXX XXXX XXXX.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Originally started with me receiving a change of address form I did not apply for. Then I received a credit card from Bank of America that I did not apply for. Then received a credit card statement from Bank of America for another card that had approximately {$12000.00} charged on it that I did not apply for. Also have received other notifications that credit cards are not being issued because of lack of identifiable information. Notified Bank of America, local law enforcement, postal service and now consumer finance.
Consumer complaint received 2022-08-25
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 following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NE)

I visited the Wells Fargo Bank location at XXXX XXXX XXXX in XXXX to request a duplicate debit card for my checking account. Without my approval or authorization a new checking account was opened under my name. I work two jobs and was unable to revisit the branch for many months. Between the time I originally visited the branch at XXXX in XXXX and the time I was able to stop at another Wells Fargo Bank branch at XXXX XXXX XXXX XXXX XXXX, the account that was opened without my permission incurred XXXX in fees. I provided to the banker at the XXXX & XXXX XXXX XXXX branch of Wells Fargo printouts of the history of the account showing I NEVER used the account. I also indicated I did not authorize the new account to be opened in my name and did not want the account. The banker took the printout to who I was told was a manager and a portion of the fees were refunded but not all of the fees.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I wrote the company a validation letter not verification. I never received a response so i called they sent it out XX/XX/XXXX. I told the lady I never received it she said ok they would email it. I called a couple weeks later and told her I never received the email. She then stated she will do it again. Weeks passed again still no email so I called again the lady said they can't email it she mailed it XX/XX/XXXX. I told her I still have received it. I told her that what she is doing is against the law and that I was filing a complaint.
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NAVY FEDERAL CREDIT UNION (CO)

my XXXXname is XXXX XXXX i was a navy federal credict member i had account it went into a overdraft status they let me attach my grandson XXXX under this account they siezed his account trying to collect my debt he is XXXX years old.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

I have disputed some inquiries on my credit report from companies that I have no knowledge of. I completed a dispute with Equifax and a also requested verification and proof of these inquiries but received no verification nor proof but a letter stating the records are factual. How can that be? I only took them 2 days to verify they are factual but when I contacted the same companies they have no records of me nor did they find me in their computer system. So how did Equifax verify these inquiries. I called them XXXX/XXXX/16 and was told they do n't really investigate inquiries. I am totally confused if you do n't investigate how are they factual inquiries? And to add the same inquiries were added to my XXXX XXXX and XXXX reports I did the same investigation and the same inquiries were investigated and removed. I do n't get it.
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

On XX/XX/2015 a collection account appeared on my credit reports from RENTDEBT AUTOMATED COLLECTIONS for a supposed debt of {$480.00} to XXXX   XXXX  XXXX  XXXX XXXX. This is a case of identity theft.
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

I live in XXXX and was sold a vehicle by a XXXX dealership located in XXXX XXXX XXXX XXXX and XXXX, the transaction was done via the telephone, internet and mail. The vehicle was financed by Ford Credit on XXXX/XXXX/2016 in the sum of {$36000.00} at 0.00 % interest for 60 months. The issue that I have is that the vehicle I was sold is not certified to be sold in XXXX which has special emission control requirements for vehicles. Seeing that the vehicle that was sold to me is not a XXXX emission control device vehicle. The vehicle may be a XXXX XXXX XXXX emission control vehicle, but is not XXXX emission certified. Due to the reasons stated above I can not register XXXX drive, insure or license the vehicle in XXXX. This is the reason that I have refused to accept delivery of the vehicle from the selling dealer. I feel that Ford Credit should have advised me that the vehicle could not be used in the State of XXXX as should have the dealership. I feel it is a shared responsibility of the dealer as it is the leading institute to protect a consumer. I have contacted Ford Credit, the selling dealer as well as Ford Motor Company. As of this date I have not received any sort of satisfaction. I have been told by Ford Credit that I am obligated to the contract and MUST make payments. I have been told by Ford Credit they have nothing to do with how a dealer does business, Ford Motor Company has told me they do not interfere between a dealer and a customer. I have filed complaints with the XXXX Office, XXXX, with Ford Credit and Ford Motor Company plus XXXX XXXX XXXX XXXX. I also have several other concerns about the validity of the contract itself. The sales contract was drawn up on a blank XXXX Vehicle Retail Installment Contract. I am certain that this contract is missing verbiage that has to do with California residences.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

on XX/XX/XXXX had credit limit of {$1700.00} and paid full amount and have {$0.00} balance and don't have XXXX XXXX  XXXX  anymore. its paid and will like to remove please. reached out to company and still haven't removed from credit reporting agency 's. 

On XX/XX/XXXX had Credit limit of {$1700.00} on XXXX XXXX  XXXX. Balance paid in full and nothing owed. Don't have credit card anymore and will like to have removed from credit report, disputed charge and still haven't been removed from credit reporting agency 's. 

On XX/XX/XXXX opened credit card with XXXX XXXX/XXXX XXXX and account is closed and paid of {$81.00}. Will like to have removed from credit reporting agency 's. disputed to have removed off account and still showing on credit. 

On XX/XX/XXXX got an auto loan with Capital One Auto Finan. Made last Payment on XX/XX/XXXX and no longer owe on my car and will like to have removed from credit reporting agency 's. reached out to company and still haven't been removed
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MD)

I have had my Bluebird American Express account for a few years now and on XX/XX/XXXX tried to use my card and found out I was locked out of my account so I tried several times to call customer service and continue getting hung up on followed by a recording that states Im permanently suspended!! Please help I have written to them tried contacting them to just get the money that had been direct deposited into my account and money I had in my remaining balance sent to me by check but I havent gotten a response or anything from them!!! I also noticed I had received two emails one one XX/XX/2020 that stated I changed my password which I did not and another stating that I changed my email address which I did not and for me to confirm these changes which I didnt and to call the customer service number which I cant get through too!
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (IL)

I feel like I'm being taken advantage of being ignored of my disputes. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately. I demand the quick deletion of these accounts, or I will sue you for the stress you have given me.