davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (KY)

BB & T charged the bank account for my XXXX for a " service charges prior period ''. When I called to inquire they said a manager would need to call me back. I called back a couple hours later and was then put on hold until the manager could talk with me. A manager is the only person that could reverse the charge. 

They had no good explanation other than the account was put into the wrong account type when they converted from XXXX to BB & T and they were going to charge the XXXX a fee for being in a business account. 

When I told them this smelled like XXXX, they very quickly indicated that they would refund the fee within 24 hours and move the account to a not for profit account type which had no fee. I told them that I appreciate that, but I knew that the bank had 100s of XXXX accounts not to mention other not-for-profit organizations. He agreed and I told him charging this fee was totally inappropriate. The XXXX received no communication about this change and I suspect many other accounts have this fee charged to them. I believe the CFPB should look into BB & Ts business practices, this is no different than what XXXX did.
Consumer complaint received 2016-11-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (OH)

Received a letter from The Receivable Management Services Corporation ( " RMS '' ) for {$25.00} owed to XXXX XXXX XXXX ( my guess is for an electric bill ). However, all my utility bills are paid in full and I do not owe any balances. My electric bill has never been for only {$25.00}, so I doubt this is a legitimate bill. The letter is very vague and does not give any information about this " alleged bill. ''
Consumer complaint received 2016-11-07
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Experian Information Solutions Inc. (CA)

Yesterday, I checked my credit score with Experian and noticed a company, XXXX XXXX XXXX, had been added. I confirmed that it had been added to all XXXX reporting agencies. I am assuming this has to do with payday loans I have had in the past. I can confirm that every XXXX of those loans were paid back in full. 
My credit score has taken a tumble because of this and I need this company to remove their inquiry from my report as soon as possible.
Consumer complaint received 2016-11-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo solicited us to agree to an appointment with an investment individual. As incentive to agreeing to lose time at their office attending an appt., we were to receive {$20.00} into our account. I agreed and set the appointment. I showed up. The investment individual was not yet there. The bank employees who were there did not have information ; it was their investment rep who would know but, again, the rep was not there. I waited. I waited as long as an appt would have taken. The rep never showed up. I never received an apology. When I wrote the bank, they did nothing about it. They still owe me since I kept my end of the bargain, and I lost the amount of time agreed that was to be compensated with the {$20.00} into our acct.
Consumer complaint received 2016-11-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

Since XXXX XXXX loan modification Approval with my VA Lender First Continental XXXX Mortgage XXXX my lender has failed to send my loan balance statements. 
I have been making timely payments of {$1700.00} @ month on my VA mortgage since XXXX XXXX and my XXXX bank Direct payments online is my evidence of payments. 
When VA loan modification was approved l had new Balance on my loan of {$250000.00} and as payments has been made since XXXX XXXX till present l have n't receive any VA Loan or escrow account 's statements on balance of loan, etc.Why? 
Also, Lender has failed to send me loan statement documents for six months by Regular XXXX Mail Service at my home address XXXX XXXX XXXX XXXX, XXXX, XXXX or my XXXX XXXX XXXX, XXXX XXXX XXXX. 
I travel to XXXX for my XXXX XXXX treatments with my Physician XXXX XXXX XXXX in XXXX, XXXX 
I am retired. 
Also, my lender has failed to disclose my VA loan on my credit report with XXXX, and XXXX it has been over 60 days, since l file complaints as my lender rep states that my credit report will be updated. 
We are in XXXX XXXX and nothing is done. 
I am been Retaliated and Discriminated because I am a XXXX Military Veteran and l my filed complaints against lender since the lender fraud issues from XXXX XXXX. 
I will email VA loan documents to Consumer Financial Protection Bureau with my case number complaint. 
This is a Urgent request that Federal government conduct a investigation against my lender.
Consumer complaint received 2016-11-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX on finance a XXXX XX/XX/XXXX XXXX with pentagon credit union which my father is the cosigner. His name is XXXX The pentagon Credit union has only report to the credit Bureau that only made XXXX payments. the reported the first XXXX payments only. So from XX/XX/XXXX to XX/XX/XXXX they have not reported no information to any credit Bureau affecting and damaging my credit and father Credit payment history determines 35 % of a FICO Score. You have no just cause damage mine but also to my father XXXX. If this matter is not resolved and we are not considering the right interest rate for the mistake that the Penfed has made for inaccurate information. This has caused us XXXX damages, higher insurance premiums, Damages for emotional distress, humiliation ; indignation, and pain and suffering
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Garner & Conner, PLLC (TN)

My wife and I was trying to buy a home and pay off anything that stood out on my credit report. I had a judgement against me that was garnished from my check for a year paid every week out of my paycheck. This garnishment was over according to the contract and the attorneys office that filed the claim against me informed me that I still owed XXXX. We was trying to close on our home in XXXX of 2015. They would not answer or return any ones phone calls or emails, letting that amount gain interest. After several emails and phone calls over the next few months we finally got a hold of these people to get the amount. It ended up being somewhere around XXXX since XXXX. They have withheld my own documentation from me for prolonged periods of time causing A LOT more money to be paid out than what was needed. These people are criminals.
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (OR)

In XX/XX/2016, I applied for and received an American Express Business Credit card for My business, XXXX, EIN # XXXX. The offer came with a 50,000 Membership Reward point bonus if I spend {$5000.00} in 90 days, which I did. Today, XX/XX/2016 I called American Express to find out what had happen to my points. I was told that I was n't eligible for the bonus, since I had the same type of credit card for my other business, XXXX EIN # XXXX. The offer says " Welcome bonus offer not available to applicants who have or have had this product. '' This is a business card, and I have XXXX business 's of which, XXXX is the applicant, since I use each card for a different business, and each card is registered in the appropriate name with American Express. 

I am due the 50,000 Membership Reward points.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX we refinanced the house located at XXXX, Ca XXXX. My Name is XXXX. The loan was for {$320000.00}. It was with XXXX ( which is now Wells Fargo Bank ). There was another loan on the property for {$170000.00} by Wells Fargo Bank. 
This {$170000.00} first was never paid off in escrow. Thus since XXXX, we have had two loans on this property. The total of these two loans was {$490000.00}. Our house was never worth {$490000.00}. Thus since the time we refinanced our property, it has been 100 % upside down. 
We have spoken with Wells Fargo to correct this problem, however, have not received a satisfactory conclusion. The {$320000.00} loan number is XXXX. 
Now there is a sale date of XX/XX/XXXX on this house. We have been working with numerous people at Wells Fargo. They stated that the sale date has been suspended, however different websites state that the house is still scheduled for auction on XX/XX/XXXX. We have been providing information necessary to keep the house. My immediate request is to remove the XX/XX/XXXX, sale date. My goal is to keep the house. We are in need of a work out program that will allow me to stay in the house. The {$320000.00} loan has been in 2nd position, due to the fact that the {$170000.00} loan was never paid off. This has caused reputable harm on my credit as well as financial hardships. 
I have received payoff information on both loans. Thus, remove/forgive the {$320000.00} second position loan, leave the lower amount loan, first position, of {$170000.00} which is not being foreclosed on. In a letter dated XX/XX/XXXX, Wachovia admitted the loan of {$320000.00}, was in 2nd position. Remove the sale date of XX/XX/XXXX.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

Application for pre-approval started on XX/XX/2016..I was approved and loan application was started with AmeriSave. A few weeks later I received disclosure and I noticed a figure of {$2500.00} " other income '' was shown.I explained at the time I want due to inherit stock but I did not have it in my possession yet.Underwriter has delayed processing and asked about this other income.Loan officer went back and " faked '' my income from Social Security to satisfy underwriter.Meanwhile I have submitted bank statements, tax returns, documents 2 and 3 times.These are shuffled back and forth between 2 officers and the underwriter..Closing was set for XXXX XXXX and has not happened.Has been delayed because they did not request HOA documents from condo assoc.I had to call and request that they be sent. They informed me they never received a request from AmeriSave.Loan application has been bogged down and delayed because they do not provide detailed info of what they need.As of XXXX XXXX they should have all the documents they need to move on to closing.It is not happening.Loan officer left on vacation and the other one no longer answers e-mails.Title co. and real estate agent try every day to get an update and get this loan to closing without anymore delays.All request are ignored.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XX/XX/XXXX. I have been a victim of identity theft since XX/XX/XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.
Consumer complaint received 2016-04-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

My loan is for only about {$8500.00} but the statements are confusing. They only show the amount owed after all interest over the life of the loan. For example I borrowed the above but my statement shows {$16000.00} and this also appears on my credit report which hurts my debt ratio. It would be as if my mortgage is {$60000.00} but instead of showing what I borrowed they show the amount on my statement with all 30 years interest in the total but no where does it show the original amount borrowed. Which would make it hard to see if my payment is being applied correctly. It also does n't show my interest rate. I am requesting that my statement reflect the basic info that every other business seems to be able to print on theirs.
Consumer complaint received 2016-11-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Bridgecrest Acceptance Corporation (GA)

I believe that I have been a product of predatory lending XXXX XXXX XXXX XXXX and currently goes by the name of Bridgecrest. I purchased the vehicle from them in late XXXX for XXXX. I have been paying on the vehicle since then and as of today 's date I have already XXXX. The company states that I still owe XXXX dollars which is predatory. I was never told that I would be paying of XXXX for a vehicle that was work less than XXXX upon purchase. The sales person also stated that I would be able to pay the vehicle off early but when I called the lender they stated that I could n't. The sales person also stated that I would be able to refinance the vehicle with the lender and when I called to try and refinance they told me that I also would n't be able to so. When signing the papers the sales person had me thinking XXXX thing but eventually turned out to be a bunch of lies and untrue sales tactics. I have already paid for this vehicle more than twice and they said I still owe over XXXX dollars for a XXXX XXXX XXXX XXXX with XXXX XXXX miles. Research indicated that this company has been predatory with there loans and tactics for many yea years to make astronomical money and taking advantage of customers. I want my money back for inappropriate sales tactics and predatory interest rates. This is injustice to all consumers. They need to be shut down.
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (FL)

Found on my credit report an {$850.00} debt for a payday loan that I never took out. It 's listed as Midwest recovery systems. Now my credit score has plunged and I 'm working hard to rebuild my credit and this happens! Never received ANY information that anything was going against my credit. No paperwork.. nothing.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (KS)

XXXX has put a false collection report against my credit. They are saying that I owe them {$690.00} for equipment that was not returned. When I cancelled our service with XXXX I took the equipment we had ( boosters to help with the cell signal in our home ) to a XXXX store for them to send to their warehouse for return. I received a bill from XXXX after this and explained that I had returned the items to the store. XXXX claims they never got them. I contacted the store 3 times and the manager assured me that the items had been returned. The first time they were sent to the wrong warehouse but they were tracked down by the shipping tracking number that the store had. The manager said it would take XXXX takes to get this updated. I tried to explain this repeatedly to the collection agents that called me but they were rude and just wanted money that I do not owe them. I have a voice mail from the manager of the XXXX store stating that these items were returned as requested. I do not owe this money to XXXX and from researching complaints online, there are thousands of other people that are experiencing the same thing with XXXX. They should not be allowed to get away with this type of scam. This is the second time that XXXX has put this on my credit report. I disputed it the first time and it was removed and then they gave the claim to another collection agency and the phone calls and harassment started all over. This is just plain wrong!
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank N.A . has falsely reported that my account XXXX ( home mortgage ) shows delinquency. I have a print-out, from them, showing not even one late payment, much less a delinquency. This is hurting my credit. I have never been even one second late with a payment, much less missed a payment or been delinquent in any way.
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Second Round Limited Partnership, Austin, TX Branch (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR SECOND ROUND SUB LLC or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR SECOND ROUND SUB, LLC., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR SECOND ROUND SUB, LLC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR ONLINE COLLECTIONS INC to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR SECOND ROUND SUB, LLC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Resurgent Capital Services L.P. (TX)

The debt documented in the Public Record, XXXX and owned by LVNV Funding LLC has been satisfied, Settled in Full. Documentation is attached. Credit report continues to show public records as unsatisfied and the lien has not been released.