davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

I am a longtime customer of XXXX. I had all of my phone, TV and internet service with them. In XX/XX/XXXX, I received a bill for XX/XX/XXXX that was increased. I called to find out why and was told that the TV package had increased in price. I asked them if there was a promotion or discount to continue the service as-is and was told no. Not wanting to pay more for TV service, I contacted XXXX  for a quote on TV, home phone and internet access and based on the lower quote than XXXX  I decided to transfer my service to XXXX. I also contacted XXXX and transferred my cell phone service to them. I called XXXX  to transfer my cell phone # to XXXX. I subsequently ordered all services with XXXX cancelled. I returned the XXXX  router, DVR and modem to XXXX  using XXXX shipping information provided by XXXX. I thought that by returning the equipment and cancelling the services that I was done with XXXX. Unfortunately I continued to be billed for XXXX services for TV, home phone and internet, even though I had cancelled the service, returned the equipment making it impossible to access the XXXX  service, and had transferred my service to XXXX and XXXX. Today I received a threatening phone call from a collection agency claiming that I had not cancelled the XXXX services and owed @ {$500.00}. They said that a 'good consumer ' like me should not want an account in collections, and while the information had not been reported to the credit reporting agencies, that it was in my interests to resolve this by PAYING THE DISPUTED AMOUNT AND REQUESTING A REFUND FROM ATT once the dispute was resolved! This sounds ridiculous to me and is tantamount to a con. I told the collection agent that I would be contacting the CFPB to file a complaint. I really feel that large companies like XXXX make it difficult for consumers to cancel services, and even when cancelled and no services received by the consumer, continue to bill them so that XXXX  can inflate its customer base and revenues. Today I received another phone call from another debt collector for this account. Specifically, I was called by Diversified Consultants, Inc. ( DCI ), to collect {$450.00} on behalf of XXXX. DCI 's reference # for this account is XXXX. They were polite and asked that I submit a dispute on their website www.dcicollect.com, which I will do. I told them that I would be filing this complaint with the CFPB as well.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I contacted Suntrust and they said my account is frozen and will be closed after an investigation. I had this happen prior when I had my relatives UE and stimulus check deposited with their permission. I recently deposited a XXXX XXXX insurance check of amount of XXXX. This is my daughter who lives with me and her name was on the check along with mine. They did not tell me my bank account ( *savings and checking ) were frozen until I called them. They are investigating for fraud. I have not deposited any other checks into my account. I opened another account for my relatives UE at XXXX XXXX XXXX in which I help him manage his funds. I have a signed authorization from him that was previously submitted. I have to pay my house payment by the XXXX and I have no funds to pay this with. I have also been diagnosed with XXXX XXXX and just finished treatment and I am a single parent. This money is vital to our well being. Can you please check on why this is happening for me?
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have recently tried to apply for a business loan and was rejected because Experian, XXXX and XXXX do not have up to date credit reports on my credit file. The last documented credit reports are as follows .... 

Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have made several attempts to contact Experian and never get through to anyone. I have sent them a message and finally received response today and they are pretty much saying the issue is on my end. Which is inaccurate. Even the creditors are seeing the same thing. 

XXXX is stating they can see a recent credit history but won't give details. Even when I login to their site, it says they can not help me and that I need to call the 800 number to speak with a representative.
Consumer complaint received 2019-02-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK (IL)

In summary, on XX/XX/2018, XXXX XXXX received a telephone call from an individual who claimed to work for XXXX. The caller convinced XXXX to grant shared access to the computer screen. The caller then convinced XXXX to log into her online bank account so that XXXX could compensate for computer issues. The caller told XXXX he accidentally deposited too much money into her account. The caller instructed XXXX to send a {$12000.00} money order/ cashiers check to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX, XXXX , CA XXXX in order to return the excess amount. XXXX went to her local TCF Bank Branch and obtained a {$12000.00} cashiers check, but before this check was placed in the mail stream XXXX received another telephone call from the XXXX impersonator instructing her to send the check directly to XXXX XXXX XXXX XXXX   Account # XXXX / Routing # XXXX instead. The said cashiers check was deposited into XXXX account at approximately XXXX XXXX on XX/XX/2018 at the XXXX XXXX  XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The transaction receipt indicated funds would be delayed until XX/XX/2018. 
> > Shortly after the deposit, XXXX was made aware of the fraud scheme by neighbor/ friend/ authorized account user XXXX XXXX . XXXX revisited both XXXX and TCF Bank Branches with XXXX. XXXX requested a stop payment on the cashiers check at TCF to ensure the funds would not become available in the XXXX Account ; however, the TCF bank teller informed XXXX this could not be completed on XX/XX/2018 because the amount was greater than {$5000.00} and required approval from a manager who was already gone for the day. On XX/XX/2018, XXXX helped XXXX file XXXX Police Report # XXXX. The {$12000.00} was returned to XXXX TCF Bank Account for only a few days. XXXX is currently at a loss of {$12000.00} as a result of the fraud scheme. 
XXXX XXXX spoke with the district attorney XXXX XXXX in California XXXX. She personally reach out to XXXX XXXX and found she also was a person of identity fraud.
Consumer complaint received 2019-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC (SC)

Took our loan of {$2500.00} with biweekly payments of {$130.00} to pay for transmission through XXXX XXXX who uses a company called easy pay to finance. We struggled to make these payments biweekly and were able to come up with the payoff amount given verbally of {$2400.00} in XX/XX/XXXX. We then starting receiving messages around XX/XX/XXXX that the interest had continued to accrue as we did not pay the entire amount off despite being quoted that. We attempted several times to settle but the amount wanted was too high. Now they are asking for over {$1900.00} just in interest payments. I have sent three debt validation letters with no response, the last with the address given on my credit report, the letter was returned address not known, unable to forward. We never wanted to finance a transmission and could not afford to do anything but finance due to transportation needs. This company took advantage of us, we called and were given a payoff amount the money was immediately sent.
Consumer complaint received 2019-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX, I used a banking app called XXXX, owned by Early Warning Services, to send money to my sister in the amount of {$250.00} from my bank account, via my debit card. The app states that the receiving person should receive notification of the transaction within 30 minutes. We waited but my sister never received the money or any notice of the transaction within her XXXX account. I called XXXX to verify and they told me the transaction processing was controlled by the issuing bank and they couldnt cancel or reverse the transaction. I could see the transaction as PENDING on my online banking. Since it was a holiday weekend, I waited until XX/XX/XXXX to see if the transaction reversed. But it did not reverse, the transaction posted and the money was removed from my account. By this time, my sister still did not have the funds or access the funds. I made repeated calls to XXXX, as did my sister, and they advised that her email address, to which I sent the money, was affiliated with her an old bank account, not her current bank account. The old account had been closed many years ago. XXXX advised my sister to call her bank and reassign the email address to her current bank, which she did. After doing this the money still did not post to her account. I called XXXX again and was told that if a recipient does not claim the money sent to them within 14 days then it will be returned to the original sender. So, I waited until XX/XX/XXXX but by then the money still had not been returned to my account. I phoned XXXX on XX/XX/XXXX, and they told me they can not return the money and I have to file a claim with my bank. I then called my bank on XX/XX/XXXX and filed my claim. As of today, XX/XX/XXXX, the Claims Dept of my bank ( XXXX XXXX ) has told me they are at the mercy of XXXX and it is up to them whether or not I get my money back and they can not guarantee any success. XXXX, and therefore Early Warning Services,  has stolen {$250.00} from me and has no recourse for me to get it back efficiently. This is unacceptable and a form of theft.
Consumer complaint received 2019-03-01
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: Experian Information Solutions Inc. (MO)

After review of all my CB files I came across a account ( XXXX XXXX ) reporting to XXXX  and Experian they both reported first delinquency dates differently. I filed a CFPB complaint with XXXX at which time they reacted quickly and deleted the tradeline because in fact the first date of delinquency was past the 7 yr mark ( XXXX of XXXX  ) so I reached out to Experian and was treated pretty badly. So I need an answer on the procedures and or laws these CB are supposed to be following. I ask how can the dates vary so.
Consumer complaint received 2019-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I have sent in a dispute to TransUnion on XX/XX/2017 in regards to the fraudulent XXXX XXXX XXXX Auto account. I have filed a police report and contacted the FTC but the account still remains on my credit file.
Consumer complaint received 2019-02-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Recovery Solutions (OH)

There is a company by the name of XXXX XXXX XXXX that has contacted my family, my girlfriend about debt that I have no clue about. I was threatened with them coming to my job and serving me with legal papers. I then called the place and they would not tell me anything until I verified my social. They also called my parents and girlfriend and told them I have legal papers that would be served. They could not tell what the legal papers were when i asked them. I also requested they stopped calling me on XX/XX/XXXX then I received a call on XX/XX/XXXX from them with a harassing voicemail.
Consumer complaint received 2019-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I received Wells Fargo Bank, Home Mortgage 's response and it proves that keeping accounts up-to-date is not something that happens. Again, Wells Fargo Bank, Home mortgage is attempting to falsifying the facts to avoid admitting that the Wells Fargo Bank employee gave out Mortgage account loan information illegally. Wells Fargo Bank is under criminal investigation and this branch location was raided. Wells Fargo Bank was forced to turn over all documents on this matter to law enforcement. The fact is that this bank employee gave out many people 's loan account information as well as mine. Wells Fargo Bank, Home Mortgage still does not have the proper payments. They are wrong about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX just to mention a few. I have the proof. Wells Fargo Bank is again under investigation for the criminal activities of it's employees. More missing payments are the extra payments made each year from XXXX. That is again a lot of missing money. There is no explanation as to why I was wrongfully charged lated fees and interest from XX/XX/XXXX to present. This loan is paid in full, yet Wells Fargo Bank claims that there is over {$6000.00} in late fees and interest on what they claim is {$4000.00}. How does anyone justify over {$6000.00} in late fees and interest over a few months? This is how Wells Fargo Bank steals money from people whose mortgage accounts Wells Fargo Bank took over. I did not get my original loan from Wells Fargo Bank and the account has been a disaster ever since they took over my account.
Consumer complaint received 2019-02-25
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments.

To date Nelnet nor XXXX, XXXX  or XXXX have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not e-oscar used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

On XX/XX/2019 I got a Netspend prepaid card I used the card one time was waiting for them to send my new card XX/XX/2019 I got the new card I activated the card they said I only had XXXX but XX/XX/2019 I had put XXXX on the card I have call them at lest 10 time trying to get the problem fixed but for some reason they dont have any of my stuff right my Netspend app I have on my phone is right but they keep saying Im giving them the wrong number but the number I opened this card with is the only number I have then they keep hanging up on me they have sent me the wrong information on my online site and they are not trying to work with me the card numbers arent matching up
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

This complaint is in regards to Ocwen Loan Servicing LLC predatory billing and excessive charging practices. 


In XX/XX/2019 I requested a pay off demand and a reinstatement demand on my loan. I received a pay off demand with a balance of {$200000.00} that was good through XX/XX/2019. And a reinstatement demand that was good through the same date at {$19000.00} for the loan and {$1900.00} for other miscellaneous amounts. I immediately sent a cashiers check for the full amount owing and it was received before the good through date and confirmed as processed by Ocwen.

My next payment was not due until XX/XX/2019. So I attempted to make my payment today XX/XX/2019 and to my surprise there was a new charge to the account in the amount of {$1200.00} on top of my monthly payment.

I called Ocwen and asked what the charge was for, they said attorney fees that had just come in. I asked if these attorney fees were included in the pay off demand and reinstatement demand? There answer was no.

I asked for them to be removed and they refused. I then pointed out that if the loan had just been paid in full with the pay off demand provided good through XXXX/XXXX/19, then they would not be able to charge these fees. The answer was yes that's correct. The result of this action is predatory and Owcen is bulling me into paying extra because I reinstated the loan instead of paying it off. 


If Ocwen failed to get an accurate pay off when it was requested that is their error and negligence. Ocwen needs to be held accountable for their mistake and honor their pay off demands. Had this loan just been paid in full they would have no recourse since a pay off demand is deemed good. So why are they now charging my account more? This I feel is a standard practice of theirs and is predatory in nature.
Consumer complaint received 2019-03-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (TX)

This predatory lending company issued me an {$800.00} loan. After making several payments and paying it down, I was having a financially difficult time and tried to work with spotloan l. However, they threatened to put down I was refusing to pay. This was in I believe XXXX. Today, XX/XX/XXXX, my mother received a text from this company with a link, my account reference number, and the zip code in association with the account. These are the only things required to get into the account. Meaning, had my mom changed her number, someone would have full access to my account. Today my loan stands at {$1200.00}. I in no way can afford this, and to say paying these awful people back is the bottom of my life priority list, would be an understatement. Any help is appreciated.
Consumer complaint received 2019-03-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (WA)

Please read the attached letter, it pretty much explains what. I had tried unsuccessfully to fix this matter with XXXX XXXX in years past.. The Washington State Attorney General suggested I filed a complaint with XXXX XXXX new attorneys.to the Washington State Bar for fraud on the court and XXXX XXXX XXXX for copying a alleged promissory note. ( The Old attorney XXXX XXXX and XXXX including trustee XXXX XXXX  were forced to close in XX/XX/2017 because the DOJ and many lawsuits against them ). Since then the BAR dismissed my case but the Alleged Debt to service had been transferred from XXXX XXXX to Specialized Loan Service. I apologize it took this long to send this from the date of the attached letter. but I had a problem with the internet after the last snow storm.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

1 ) Six of my loans with Navient recently had cancelled amount reflected on my XXXX account. When I checked my Navient account I noticed that these cancelled amount were reflected as refunds but also the amounts were inaccurate. For example, my XXXX  loan with Navient is loan # XXXX on my XXXX but when I look at the account history the {$870.00} cancelled amount is reflected as {$150.00}. Why I have no idea because those amounts do not even come close to matching. 
2 ) Another thing I noticed on my XXXX is that time that I was in a forbearance or deferment period Navient has late fees charged to my accounts. This issue is actually something I previously complained about being incorrectly reported on my Credit report, and even though that was cleared up they are still not reflecting on my actual account with Navient. 

3 ) When I requested that my account be review and I would provide documentation I was instructed via email to call customer service. I do not feel comfortable talking on the phone addressing these issues as I have told them in all of my communications with them, I believe having a paper trail with a company I do not trust is better than talking on a recorded line.