davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid my BofA account off on XX/XX/XXXX paying {$5800.00}. A scheduled payment came out on XX/XX/XXXX in the amount of {$3600.00} leaving me a credit balance of {$3500.00}. A simple IT tweek to their system to text me or email me should have been in place. This is a XXXX interest rate and there is no need for me to have a credit balance. My beef is XXXX scripted answer to me is to take XXXX business days to refund me. This does not make sense since they can take payments and debit checking accounts within 2 min and not more than 24 hrs. Whats fair for them should have a system ( s ) in place to protect the consumer too! Whats good for the goose is good for the gander!
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The account XXXX  for {$900.00} was disputed and deleted from my XXXX  account on XX/XX/2020. This account should be removed from my other reports as well as it is inaccurate.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NV)

I applied for a consumer credit card completed application and the banker refused to shake my hand apon completion! The computer system did not follow english format for first name last name. System displayed mother maiden name format w/ lower case letters before capital letter space and period or it showed lower case letters before period of abbreviation to partial first name on application that was submitted although it was a customized summary. I asked staff to enter legal abbreviation and they denied request to result in delay or did not know how to. I told staff that maiden name format is unacceptable and the computer system took part of name from XXXX XXXX XXXX up to XXXX XXXX XXXX showing first Name abbreviation with forbidden lower case letters before period with space!
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CT)

I Found Out That This Debt Was Sold To XXXX Different Companies, The Amounts Did Not Match On Credit Reports. I Wrote The Original Creditor To Fix This Problem Which They Never Did. I Disputed This Wrong Information & Was Taking Off My Credit Report. Now Original Creditor Put In A Credit Report That I Owed An Amount That Don't Match At All. I Wrote Then About 5 Times, No Answer From Them.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (TN)

The account below is parked on my consumer report illegally without my consent, or proper notification. It is unlawful to report an alleged debt to my consumer report. The credit reporting agencies are most definitely in violation of consumer laws.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

In XXXX I applied for a modification but was denied. The reason given by the lender was my income was insufficient. After I recovered from my hardship I applied for a modification in XXXX. I was denied. I received a letter from my lender saying that because I can afford to make my current payments they won't modify my loan.
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

My dates are from XXXX when I took out loans with originally were XXXX XXXX XXXX and then were transferred to Navient. Under the recent XXXX discharge act, people who went to XXXX during the dates, which I went to means my loans would be XXXX. 

https : XXXX My school, The XXXX  XXXX XXXX XXXX was deemed a school that not only fabricated who they were as a school but any courses taken were not credited or transferrable and marketed themselves falsely. As it has been proven, and the ruling was in the favor of the student who took loans, my current loans should be XXXX. I understand emails are still being sent out but since I have already filed paperwork XXXX  years ago, I'm trying my best to be proactive to get this removed from my account. 

The XXXX XXXX schools across the country were routinely lying to prospective students about future income potential, job placement statistics, career services, total cost of tuition, credits being transferrable, accreditation status, etc. 

I've also filed with the XXXX XXXX to Repayment application to get my loans removed. If you need websites I have compiled a comprehensive list. 

Websites listed fraud the school I went to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service (PA)

SouthWest Mediation services Called to me 3 times on XX/XX/XXXX. After the first phone call I thought it was fishy I terminated the call she called me back and said I have one more change before legal action proceeds as well as on the previous call they said their job was to get accounts paid before civil action takes place. She stated they aren't a debt collector though. She also said that she would send me Validation of Debt when I refused the rest and she said they do not provide it, then they said they do. They read me my personal information such as my social and DOB. Which is a GLB violation. They said I hadn't paid since XXXX and threatened civil action if I did not respond or pay it in a timely fashion. There are clear UDAAP FDCPA and GLB violations here in my opinion.
Consumer complaint received 2024-05-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (WI)

I am writing in response to a letter I received on XX/XX/year>, regarding an alleged debt. Under the Fair Debt Collection Practices Act, Section 809 ( b ), I formally request you provide me with a validation of this debt. 

Please provide me with the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; Documentation I have a legal obligation to pay this debt to your company, including any judgment if applicable ; Proof of the original contract or agreement that created the debt ; Detailed account history, including an itemization of all charges and fees ; The date the original creditor claimed the debt as a loss in their accounting books ; Verification that the statute of limitations has not expired on this debt. 
Please stop all collection activities until you have provided these items as required by the FDCPA. This includes refraining from reporting the debt to any credit reporting agencies until the debt is verified. 

If you fail to provide a response within 30 days from the date of this letter, I will assume that the debt can not be validated. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX Additionally, I have attached a letter, outlining Congressional Record, recognizing your violations in disregarding my lawful bills of exchange, therefore blocking me from my right to commerce.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I do not have any contract with this company and they are alleging I have a debt with them and have violated my right in consumer law to illegally collect this debt I am victim of identity theft somebody stole my personal personal identity and used it to obtain rental leases and other accounts I reported the fraud with police report ftc report to companies to then have the companies assign Me to a person who never answers the phone or follows back up knowing these accounts are fraudlent and do not belong to me. I had the accounts removed from XXXX credit agencies only for them to go to XXXX and report these fraudlent accounts I have tried everything to talk to somebody about me being a victim of identity but they purposely ignore me and try to report items to credit file after deletion
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (TX)

I have reached out to robinhood in regard to their spend account. my account was debited a total of XXXX dollars from multiple atms and yet I have the actual debit card still and it was never used. This company has no actual XXXX number to speak to someone in regard to this. the only way to speak to someone is to ask for a call back or to discuss this in the chat. I have done this on 4 seperate occasions and there has been no resolution to my situation. I have the dates that this occurred was on the XXXX of XXXX and it started at XXXX XXXX  central standard time.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 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
Consumer complaint received 2021-04-27
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 helped with getting it back up and going.I am not sure if this is some mistake as assume it has to be. I have not been able to get help from them for months but i just remembered I could file the report on here as i feel they are not doing thier job properly and it is affecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: QC HOLDINGS INC (VA)

I received a call today at XXXXXXXX XXXX from XXXX, XXXX at LendNation, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, XXXX. And this is one of many stating that I filled out an online loan with them. I never did, nor do I do this type of thing. She said they have me on file which means I've done business with them or an affiliate before. Not me. I explained to her it's not me, it's my ex-husband. He's been doing this since our divorce he asked for, but got upset with me because he had to pay me XXXX XXXX. I've been divorced for 10 years, and fighting for my name and personal information back all of this time. I asked her to contact the police and file a report and obtain the IP address of where that online application came from and I can prove it's him. His current telephone number was given to me a few weeks ago because he contacted someone I know very well saying where he was, in XXXX, TX, in an attempt to find out where I am. She wanted to alert me just in case anything went down because she knows what I go through with this person. This has been going on non-stop since XX/XX/XXXX, which is when I filed the original FBI Report because he tried to get a home, a XXXX, and multiple Payday Loans in my name. I'm currently in hiding and must have protection on all of my accounts. XXXX refused to give me her last name, but tried to obtain information on me. I only verified what she had about me, but I don't deal with places like this, so here I go again for the third time since XX/XX/XXXX. I've been in and out of court multiple times by these people suing me for monies I've never filled out for nor received. He has an unidentified female accomplice who sometimes poses as me and they even changed my address at one point to obtain a XXXX account and phones. I had a horrible time getting that removed from my credit records and proving to them it wasn't me. These are always coming out of either XXXX XXXX XXXX or XXXX He apparently provides them with an address that's 10 years old with my email address and my telephone number. XXXX called because she said there was something she needed to check. I immediately let her know to report him to the police and why. She said she's more than happy to talk to the authorities about this situation and she's gon na report it as fraud. Let me be clear. There was no Category for this type of complaint ; therefore, forgive me for stating I was approved and didn't receive the money, as I've NEVER applied for anything such as this. This is the only way to process this report right now.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

Mortgage Company : Newrez XXXX XXXX XXXX XXXX Texas XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX # XXXX XX/XX/XXXX contacted an agent. Asked about our review/audit on our escrow as we had to put {$7000.00} extra for taxes in for last year. I was informed an audit would be run and i should see paperwork in approx. 2 weeks We never had a tax bill for XXXX as we didnt move in until XXXX XX/XX/XXXX contacted again. This time i was informed certain states are done in certain months. She said Wisconsin was XXXX so i would be seeing the paperwork in the first 2 weeks of XXXX. 

XXXX, still nothing. I call again. This lady apologizes and said she will have an audit run. I did inform her nicely i would be contacting cfpb if it wasnt resolved. Again nothing Today, XX/XX/XXXX call again. Now i am told by this customer service rep that it doesnt get handled until you have been paying for a year. 

I talked with my mortgage servicer and he told me to contact you as it is illegal for them to hold the money in escrow This is pretty sad and horrible way to treat your customers and all the different stories
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit borough reporting information from a third-party agency that is not accurate and would not provide accurate information to me about the item such as my Social Security date of birth and address and how is it being reported refuse to give me information
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

This is to inform you of ; COLUMBIA DEBT RECOVERY LLC DBA GENESIS business practices, when they first had contacted me about this owed debt they had told me not paying them on that day and they would move forward with it and affect my credit. ( i know how reports to credit agencies work ) also on two separate occasions " XXXX '' from the collections team had said to me ; XXXX : XX/XX/2024 XXXX " ask a friend for money '' XXXX XXXX called during work hours : " you should pay today '' " get the money some how '' etc which in my opinion is a malicious way to try and collect a debt, i had spoke with them and they had tried to make me a " deal '' on my collection. however i was informing them that the debt in itself is invalid on a few charges, not going to go into detail but that is the current situation.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

I am writing to address a concerning matter regarding my credit file. I recently discovered a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2018-01-15
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. (NC)

I sent a letter to the credit bureaus on XXXX XXXX, asking them to conduct investigations on errors on my credit report. I have not received responses, and its been well over 30 days.
Consumer complaint received 2018-01-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (UT)

Over the span of two weeks, I have received 26 calls to my cell phone from a debt collection company by the name C B E Group. My phone automatically rejects calls from this company but keeps a record of calls rejected. It is my understanding that it is in clear violation to make multiple calls to a number in a 24 hour period in an effort to collect a debt. I do believe it is considered harrassment. I would like the calls to stop and to pursue legal repercussion in regards to this harassing behavior. 
XX/XX/XXXX XXXX @ XXXX XXXX 3 times in one minute @ XXXX XXXX 2 times in one minute @ XXXX XXXX XX/XX/XXXX XXXX @ XXXX XXXX 2 times in 1 minute @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX 3 times in one minute XX/XX/XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX 2 times in 1 minute XX/XX/XXXX XXXX @ XXXX XXXX @ XXXX XXXX 2 tines in 1 minute XX/XX/XXXX XXXX @ XXXX XXXX 3 times in 1 minute @ XXXX XXXX 2 imes in 1 minute @ XXXX XXXX  XX/XX/XXXX XXXX 4 times that day XX/XX/XXXX XXXX 2 times that day
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Transform Credit Inc. (NM)

I got approved for a XXXX loan from this company and I give them my bank account information and my security number and and the loan agreement and told will be in my account by XXXX XXXX  today XX/XX/2024 by XXXX and the company signed the agreement. I request copies of the documents and nothing I also tried to call the number on the loan agreement and the email address that was provided. I received a email from them and clicked on the link and it went to my XXXX account and request payment from me as well
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

When making my first automobile loan payment to KIA Finance America, an additional {$500.00} was added to the regular payment on XX/XX/24. Instead of the {$500.00} being applied to the principal, {$130.00} was applied to the interest charge. I called to ask why it wasn't applied to the principal and I was told it needed to be in writing. A check in the amount of {$1000.00} was sent with a letter advising that this {$1000.00} needed to be applied to the principal of the loan. {$27.00} was applied to the interest payment. I called again and was told this time that if I wanted additional money to be applied to the principal, I would need to call and advise them. I advised I was told the first time I called that I needed to put it in writing, and this time when I called I am being told to call instead of writing, so why was my money not applied correctly as I had specified no matter what method I used to contact them? I was then told that unless I made an additional payment of {$2500.00} or more, the money would not be applied to the principal. When I obtained the loan, I was given the choice of 48 months at XXXX % or 60 months at 4.75 %. Not wanting to be obligated to the higher amount, I decided on the additional 12 months thinking I could pay additional amounts to the principal and also reduce the amount of interest paid over whatever the time period came out to be. Now I have gotten three different answers as to the application of additional money paid to the principal, all meaning that I can pay the loan off early, but I can not avoid paying the interest charges applied on the full term of the loan.