davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-22
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XXXX of XXXX. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XXXX of XXXX. Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX   was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX as of yet.
Consumer complaint received 2018-11-22
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. (TX)

I recently applied for a car loan but was denied because of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that still appear on my credit report as paid late. The accounts were disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the accounts are being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (PA)

In early XXXX I voluntarily contacted Diversified Consultants in regards to a C/O XXXX bill that became delinquent in XX/XX/2013. I know that bill was pass the statue of limitations but i wanted to clear the debt from my name. I spoke with a supervisor in XXXX in regards to a below blanket settlement of {$600.00} on balance of {$1300.00}. The supervisor agreed to a settlement of {$600.00} that would be paid in two payments of {$150.00} in XXXX and one payment of {$300.00} in XXXX to settle the account in full for {$600.00}. I asked the supervisor to provide me with a settlement letter as proof for my records and was told i would be emailed a settlement letter. I never received the settlement letter. I spoke with a representative a few days later in regards to getting a settlement letter and was again told i would be emailed a settlement letter. I never received a settlement letter but instead received a letter in the US Postal mail stating that i agreed to pay {$600.00} as payment towards to the total balance of {$1300.00}. Nothing noted on the letter reflected the settlement that was agreed upon on a recorded line. On Thursday XX/XX/XXXX, I received an alert from my credit monitoring service ( XXXX  ) stating that Diversified Consultants listed the same XXXX account as a delinquent account on my credit report in the amount of {$1200.00}. Its very unethical practices for Diversified consultants to  misrepresent the payment arrangement i made, they never forwarded me any settlement paper work regarding the approved settlement of {$600.00}. Instead i was forwarded documentation regarding payments towards the full balance which was never discussed. I stopped payment on the check immediately because I was mislead into a fraudulent arrangement that i did not agree upon. On Friday XX/XX/XXXX, I reached out to Diversified consultants and spoke with a supervisor by the name of XXXX. I informed XXXX of the situation and XXXX immediately became irate and stated that i would recieve a settlement letter until i paid the settlement balance which is not true because i was told on two separate occasions that i would be forwarded a settlement letter. I informed XXXX that i expected the negative remarks on my credit to be removed immediately because the arrangement was misrepresented and she told me that would not happen. I informed XXXX that i would make a complaint in regards to unfair practices and she told me to go ahead. The call ended and now i am here looking for help.
Consumer complaint received 2018-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

XXXX FAILED TO REMOVE 4 HARD INQUIRIES, CAPITAL ONE DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SANTANDER CONSUMER U Account Number : XXXX Date : XX/XX/2014 Amount : {$3200.00}
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I applied for a loan online and the company stated they needed a credit report from Transunion to complete the application and forwarded me to a transunion website. The website stated it would forward the company a report for {$1.00}. 

I never saw the credit report they were supposed to be forwarding to the loan company and today I got a bill on my account for {$20.00}. When I called to cancel the debt I got a lecture from someone speaking broken English about the legal sufficiency of their charge and a lot of XXXX about identifying myself and the importance of a transunion credit report for job searches, and credit matters, but no action on removing the charges and no action on cancelling the recurrent debit. 

The customer service rep acted as though he was a lawyer and career adviser but failed to address the issue about the debt. The Transunion rep claimed that in agreeing to purchase the {$1.00} one time report I agreed to a recurring debit and it stated so on the website. The website may mention something about a recurring debit but it is not in a clear an umambiguous fashion. To hide a recurring charge in the fine print shoutd be illegal and is at best unethical. Moreover, the day I noticed the charge ( which is today ) is the same day the charge was made and the same day I contacted them. Now they are trying to insist that those charges were earned. The only thing I received from them was an invitation to register for their services, I never logged in, or accessed their services in any way. I never received an e-mail acknowledging the recurring debit. XXXX, I don't even know if the lender ever received the report I was seeking to send them, which led me to transunion 's web site in the first place. Is transunion pretending to be a lender just to get people entrapped in their recurring debit scam?. 

I would like the FTC to look into this type of practice and force the credit reporting agencies to make sure the consumer acknowledges specifically separate and apart form their {$1.00} promotion any recurring charges. Moreover, Transunion should be forced to return my {$19.00} cancel any future charges they plan to make on my account and their customer service personnel need to be retrained to understand when a person calls to cancel a service it is not up to them to make the caller feel like he is guilty of being inattentive and at worst stupid for wanting to cancel a service they did not seek out. All they had to do was cancel the service and instead they try to make you feel like " if you are nice we won't continue to cheat you! ''
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018, I make complaint on Consumer Financial bureau complaint website for Wells Fargo Bank ( XXXX ). Wells Fargo Bank continue to put false information on my credit report. I ask Wells Fargo Bank to stop putting false information on my credit report On XX/XX/2018, the complaint was closed because as Marked as a duplicate complaint. Wells Fargo Bank trying use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) They are putting false information on my credit report. ( 2 ) They do not have wet ink signature that sign contract with them to open up a credit card. ( 3 ) They claim that it was charge off. If the account is charge off, then there should be no balance because they got money from taxes and also charge off debt is worthless and no long able to collect. ( 4 ) The state of limitation have pass and they still are trying to collect. ( 5 ) I send a request for debt validation and unable to give me proper debt validation. ( 6 ) They are trying over charge me fee. I feel that Wells Fargo Bank is trying to take advantage of me because I XXXX male. I feel that discrimination is wrong. I am willing to pay off the debt that you claim I owe if you are will to provide me with the original contract I sign with ink signature. I will have expert document look at contract. Wells Fargo Bank refused to pick a date for us meet in person and have expert document look at the original contract. They still put false information on my credit report, which I think is wrong. The Wells Fargo Bank is still the doing same thing. I am still asking for the same thing. They are still put false information on my credit report. I am requesting Wells Fargo Bank to stop putting false information on my credit report. Deleted this account of my credit report.
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I went to XXXX XXXX XXXX and had a change of financial responsibility done. I knew there would be a credit check done. I asked the woman at the store if it would be a soft inquiry or a hard inquiry. She told me soft. I told her we can proceed with the process. If it was a hard inquiry I wouldnt have done the change. I contacted equifax and they told me they cant do anything about hard inquiries being removed from my credit report and that Id have to contact XXXX XXXX XXXX and have them send something electronically to equifax. XXXX XXXX XXXX said they dont have the capability to send anything electronically to equifax to have it removed. So Im at a standstill. Neither company wants to rectify this unauthorized hard inquiry that I did not authorize.
Consumer complaint received 2018-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XX/XX/2018 i sent {$300.00} to my friend ac through XXXX having a cell # XXXX with conf # XXXX XXXX XXXX my ac was debited but it was not credited in my friend ac till today. 
i got affidavite from my friend that till today he has not received credit in his ac at XXXX XXXX. 
bank of america said they send at the right place .they never call on given cell # that money was received or not .my friend became my best enemy and he disconnected my friendship and now i am facing lot of XXXX  XXXX and XXXX problem due to this .i need compassation also for that as many times i personnally contacted bofa in XXXX il branch and wested more than 10 hrs. three times.my cell # XXXX thanks
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

transunion credit has billed me the last 2 months on my XXXX credit card - for the months of XXXX and XX/XX/2018 I have never signed up for any service fromtransunion and don't know how they obtained my credit card number.
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have contacted XXXX numerous times in order to resolve the debt they are trying to collect in the amount of {$1200.00} from XXXX XXXX XXXX. I had XXXX protection on the account in the event something may happen. I received a XXXX that made me a XXXX XXXX XXXX XXXX Veteran that caused me to become delinquent on any lines of credit that I had open. I was never sent an initial collection notice in order to dispute the debt upon initial reporting. I have called, as well as emailed in regards to this and gotten nowhere minus a new negative mark on my report with each month since my initial dispute. When going to the companies website, it says that it is unable to retrieve details of the account. I am at a loss with this company and only wish to resolve this.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Emergency room visit year XXXX. I was uninsured and nearly died. I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XXXX so they added it to my report as new in XX/XX/XXXX in XXXX stating as new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. It was XXXX hospital for {$320.00} emergency visit. financial assistance never offered at the time for medical debt
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2018, I completed a settlement with Wells Fargo for the balance on Mortgage # XXXX. As part of that settlement, it was agreed that the taxes due on XX/XX/18 for {$1400.00} would be paid once Wells Fargo received the funds and closed out the case. The funds have been received and the lien was released on XX/XX/2018. 

Wells Fargo has not paid the taxes. The City of XXXX XXXX has sent me a tax sale notice for XX/XX/2018. 

Despite multiple attempts to communicate with multiple people, including the Office of the President, Wells Fargo is not returning emails and phone calls.
Consumer complaint received 2018-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

back on XX/XX/XXXX we discontinued our cell phone service with XXXX  and from XX/XX/XXXX to XX/XX/XXXX i made payments to pay off the bill.i should of owed {$110.00} according to my records and attempted to pay them at the end of XX/XX/XXXX.talked to several people to try and make a payment but no one could find me in the system. finally using my social a guy was able to open up my account. he told me that my balance was paid and thats why i wasnt in the system.i told him i thought i still had a balance and he said if he finds anything other then what he told me, he will call or mail me.so now 4 months later out of the blue i get a collection notice from a place called XXXX.i called them right away on a friday evening and explained to them the above. they said send them a dispute letter, you have 30 days. i sent out the dispute letter 2 days later.maybe even one day later. i also called the 3 credit bureaus and asked if they had anything with XXXX, either opened, closed, late.they said absolutely no.i then called XXXX. i was transferred at least 6 to 8 times. no one would address this. finally a woman in the retention dept told me that its hard to find anything because someone sent it to XXXX.she did say however she is showing 4 lines were paid up and that the other has a {$100.00} to {$140.00} balance.i told her thats what i had but was told i owed nothing. i asked another manager for a copy of the phone conversation i had in november and he said hed call me back.never did.so now 7 months later, without even any notice a place called dci consultants puts a derogatory remark that i owe them {$630.00} for XXXX.i got an alert and my score drops 45 points. XXXX never called me back to tell me if they disputed my dispute. since 7 months went by i assumed they and XXXX were satisfied with my dispute.dci never once contacted me to see what was going on.they must of known they were the second ones trying to collect a paid debt but didnt seem to care.either that or XXXX lied to them.never sent me a letter or call to explain to them or dispute this once again which i shouldnt have had to.they just went ahead and blatantly puts this on my reports. i have disputed this with 2 credit bureaus, XXXX XXXX, and also a dispute letter to dci was mailed onXX/XX/XXXX.im including the XXXX notice from them and my last statement i ever received from XXXX. it might be hard to read because i put all my confirmation payment numbers on it since it was all i had. 

thank you
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of Hurricane Michael, living directly in a federally declared natural disaster zone. Kohl 's is aware of this and I have been a card holder for nearly 10 years now with an impeccable payment history. On XX/XX/XXXX, Kohl 's emailed regarding the " Match-A-Pay '' solution offering to save me {$50.00} off of my balance. 

On XX/XX/XXXX, I called and spoke to the supervisor XXXX whom I informed I would be willing to submit a payment today and use the " Match-A-Pay '' solution provided that he waive the recent late fees as well. As of today, two of the late fees have been credit back to my account but I have not received the " Match-A-Pay '' solution as promissed.
Consumer complaint received 2018-11-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KS)

We were on a second payment plan with Wells Fargo Home Mortgage. Our first one we had a problem with someone hacking our bank account and causing our final payment to bounce. Our home preservation specialist at the time a gal by the name of XXXX XXXX was not able to get her manager to extend that final payment and we started another payment plan for three months starting in XXXX. We then had to be transferred to a new home preservationist by the name of XXXX XXXX XXXX. XXXX is a far cry from XXXX in that XXXX will not get in touch with us if a problem arises that we could have fixed. After we made the final payment on the plan on XX/XX/XXXX, we received an email asking for a call. Called her back on the XX/XX/XXXX, and this was one of the few times that were able to speak directly with her. On other occasions could not get in touch until sent a bit of an angry email to her regarding how the payment plan was going to be paid each Friday at a branch. Feel like that Wells Fargo put us with a home preservationist to only have us fail in our attempts on the payment plan. On XX/XX/XXXX gave Ms. XXXX a payment of {$20.00} and at that time was told to expect paperwork for what happens next. Said paperwork was not received and then get email from her stating Wells Fargo had denied our request. Email made no sense and in that we never made any request for assistance. Explained that no paperwork had been sent back in an email that no paperwork was ever received and to explain. Still have not received paperwork or new paperwork about being denied either. Can provide all receipts that show that the payment plan was paid in full and that the {$20.00} was also paid. This is a second complaint have filed over this problem and no one at Wells Fargo will address our concerns only send letters stating need more time. They are setting us up for a fail in our minds.
Consumer complaint received 2018-11-13
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: CITIBANK, N.A. (NY)

XXXX has been non-compliant with removing the unverified account CITICARDS CBNA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CITICARDS CBNA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.