davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CONTRACT RESOLVE GROUP LLC (NC)

XXXX XXXX of Contract Resolve Group L.L.C. in XXXX, Texas wo n't let up. He is slandering our name and business all over the place. Calling my boss at my job, calling our landlord and other people who have nothing to do with this bill owed and telling them how much we owe. This should be considered unfair practice. This debt owed is no one else 's business.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (OR)

Amex issued me a credit card under a promotion. Called in after i received the card and was tos old m account is eligible for the the promotion and all is fine. points ave been issued, Amex then took the points bas back after 90 days. No letter just action like ike the wild wild west .... Now I am told that I should never been eligibl because i had this account before. 
Why do I have a problem with this behavior. 
1. I expect a letter, amex sends me a letter for everything but not in this case ... I normal get an letter from amex when the CEO taking a ... ... 
2. Called CS after getting the card and before I paid the the fee and where told that i am elegle for the promotion and all is fine on the account. Why does it take 90 days to figure it out? 
3. If the reason " had the card before '' XXXX ; why does it it take 90 days to figure it out, looks like amex has no real handle ( database ) to know or is just incompetent .... 
4. Did amex took the the time to generate revenue & membership fees with the background information that the had at the application date, that they will back out later time ( or wise out ), please explain the timelines & time taken .... 
5. Not possible to get o get written answers from AMEX ... ....
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

A credit card was issued in my husband 's name and never activated or used by us. To make sure the card got used, Wells Fargo Bank transferred the checking account that I have had since XXXX solely and as primary with my husband as secondary to my husband. This means they manipulated not only the account but our Social Security numbers for account ID. This was all done without our permission. I already filed case # XXXX which addressed the credit card. That took 90 days and several trips to the bank branch to get all fees removed, close card, and remove the credit card from our records. Just today, XXXX/XXXX/XXXX, I found out that they stole my bank account!!!!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I am writing to urgently request the removal of an incorrect late payment entry from my credit file for XXXX last year. This entry had been previously removed but has reappeared, despite the account being fully paid off at that time. I consistently make my payments on time and use this card specifically to build my credit. 

This error is critically affecting my credit score and my current effort to purchase a house. Please remove this late payment entry immediately to correct my credit report.

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-28
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA (MD)

I looked at my statement and noticed that the beginning balance is $ XXXX less than the current balance. I called MOHELA to find out why and they said it was due to my forbearances. After 30 minutes of math on the phone we found out that for each month 's forbearance, they are capitalizing 2 months of interest. Not good. This might be a broader problem than just a problem for me, but it is costing me $ XXXX because they are capitalizing double the interest on my account and the accounts of others.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX I was sent a link to go online to complete a credit application. I was told during the online chat that it was a zero interest application. When you get to the end of the form you have to choose YES to activate the additional credit card billing or the form will not go forward. The rep from the local store, XXXX told me to call XXXX when I informed her the form would not submit without choosing additional charges to my credit card. She insisted I was wrong. I spoke with a rep from XXXX XXXX at XXXX and was told I was not using a compatible web browser. That I needed to use Internet Explorer, Firefox, etc. I explained I could not do that as I was using Google Chrome. The rep stated I should contact the local store as they had the ability to take care of this over the phone. I again completed the online credit form and it would not accept the form without checking the Yes option to activate the additional billing. XXXX told me during the online chat that Google Chrome would work but not the other browsers. I answered that I had been told the opposite from XXXX. I asked to contact the local store and they would not provide the contact number. I looked the number up online and called the local store in XXXX, AR. 

When I called the store a man claiming to be the manager answered and was very abrupt. He wanted to know what mattress I wanted and they would sell it to me right then. I tried to explain what happened and he did n't want to hear about it. Then I knew I was speaking to the same store employees that I had been chatting with online. Being forced to sign that additional credit card billing was clearly fraudulent. It meant there was no zero interest as was claimed. Please see the Chat Transcript dated Friday, XX/XX/2016 ended at XXXX. 

I have an attachment of the chat transcript and copy of the credit application. I identified myself as a XXXX veteran XXXX. It made no difference to this company and I asked multiple times for additional help which they did not supply. 

Credit Application Form XXXX Optional Card Security Enrollment Selection
Consumer complaint received 2023-06-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

I have disputed the company Conserve with all three credit bureaus and they have said that the information is true pertaining to their information. this information is inaccurate. Conserve had reported this balance to the credit reporting agency when this account was under the appeal process and a decision wasn't made. This was wrongfully reported and has no balance due to government loan forgiveness which was approved by the school. please remove it from my credit file. I have evidence that this company also wrongfully reported while the loan was in the appeal process. Attached is evidence of the XXXX balance owed to the XXXX XXXX XXXX XXXX XXXX XXXX from the school officials.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On XXXX/XXXX/16 my account with Citizens bank was overdrawn. I made XXXX deposits {$400.00} cash and a check deposit of {$340.00}. The {$400.00} cash was made at the bank 's ATM and was lost and then applied on XX/XX/XXXX with the original deposit date of XX/XX/XXXX. When I called the bank I was told that I had to go back to the bank for them to apply the credit. I then went back to the bank to address this issue. At that point, I requested that once my funds are applied to my account and my balance was XXXX, for them to close my account. To my dismay, this was not done. Today, Friday, XX/XX/XXXX, I reviewed my account and I noticed that I was assessed XXXX fees. XXXX for an overdraft and another XXXX for a sustained fee which I was told today was assessed since my account was overdrawn for more than 7 days. I never received any type of communication from the bank telling me that a fee was assessed. I think it is unfair to be assessed a fee when my account was 1 ) brought current, and 2 ) charged a fee for my account being overdrawn due to a fee that they assessed. Citizens bank is charging me a fee on a fee. This is ridiculous. I feel as though is deceptive to charge me an additional {$30.00} for my account being in the negative and their fee was what put my fee in the negative. I called in to resolve and the customer rep told me that she could only reverse XXXX fee in a 12 month period. This is totally unfair. My customer case number is XXXX. Again, no notification of the fee was received which put me at a disadvantage to address the issue. How can I close my account if they keep charging me fees that I know nothing about. Attached is a screenshot of my account. One last note, when I checked my account on the morning of XX/XX/XXXX was balance was {$0.00}. From the screenshot you can see how my account was at a {$0.00} balance until the fee was assessed. This fee did not show up on my account the morning of XX/XX/XXXX and no one can tell me the time when the fee was assessed. All that I know is that it was not there when I logged on to my account Monday morning ( XX/XX/XXXX ). Please look into this deceptive practice.
Consumer complaint received 2016-09-16
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

For the past years, I have been using 'MoneyGram online transfer '' to send money to relative abroad. My transactions are random and less than {$1000.00}. I registered my banks accounts with Money gram and the monies are withdrawn from my banks to cover the transactions. Last month, when triying to process a {$94.00} transaction, I got denied that my bank information could not be validated. I called MoneyGram, and was informed that " XXXX '', a third party which safegaurd online transaction needed to validate my information. I called XXXX, provided them with all my accounts information. Was told that it will take a week to update system. Three weeks later, I encountered the same issues. A call to XXXX left me suspect that they have no clues of what is to be approved by their system. They were unable to trace my past moneygram transactions. I have the impression that they wanted to decide when I would send/spend my hard earned money through their service. What is all this about? Who really monitor XXXX??
Consumer complaint received 2024-08-28
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-28
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. (IL)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: States Recovery Systems, Inc. (SC)

I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. This company States Recovery System refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request account XXXX ( originally First XXXX XXXX ) be deleted immediately and no further action taken in regards to this account.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AL)

I have a mortgage loan that was sold to ocwen, and had fallen behind on payments after some employment issues. Our current payment is approx. XXXX. We called in to ask for arrangements and were told to apply for a loan modification ; we declined and did not fill out paper work, but instead started sending in extra payments to pay down amount owed. We thought we had successfully done so by the beginning of XX/XX/2016 when our outstanding past due amount was approx. XXXX for XX/XX/2016 payment. We sent in XXXX which would have paid past due amount and left only a balance for the current payment month, which was also what the Ocwen website stated up until the first of XXXX. Needless to say that I was ecstatic to be over this hump and done with the nearly 20 calls per day by ocwen 's agents trying to push me into a loan modification or a huge lump sum payment. I was going to make another payment which would have paid my current month, leaving the past due nightmare behind us only to find via Ocwen 's webpage, that this company has reversed all of my payments since XX/XX/2016 ( approx. {$5100.00} ) and is now showing the mortgage in default, with payments owed starting at XX/XX/2016. I called Ocwen and they have no clue what is going on, the foreign sounding rep named XXXX, placed me on hold for 45 minutes only to tell me they have to send in an inquiry to their cashiering dept. to find out why this is being done and that I would have a response in approx. 7 business days, which would put us into the last week of XXXX. They do not know what happened, they do not know where my funds are ( they have not been returned to us ), they do not know how to fix it, but I am accruing fees and interest until they figure it out.
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX CT XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (FL)

I have paid down my mortgage below the requirement for PMI. Freedom Mortgage refuses to terminate my PMI unless I pay for an appraisal at my expense. Per the below they are to automatically terminate upon reaching 78 % of original value of the home so there would be no need for me to pay for an appraisal. My house has increased in value but that should not be relevant per the below. 

Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Simply stated, " if there is no late payment, then there can be no late fee! '' Here are the facts : 1. the credit card company is charging me several late fees from XXXX XXXX tho XXXX XXXX 2. there were no late payments 3.I mistakenly made XXXX monthly payments in one month, the company did not initially credit XXXX of the payments to the following billing cycle as I had intended it to do. 
4. viewing on line my payment statements, transaction activity, and activity for this company all indicate equal payments of {$25.00} for the period under dispute 5. my own bank records verify, except for the double payment, that each month a {$25.00} payment was made from XXXX through XXXX XXXX 6. the company has made some adjustments, but continues to bill for late fees and now has the minimum payment for XXXX XXXX at {$100.00}, rather than the usual {$25.00} per month 7. I am a senior on a fix Social Security monthly income and can not afford such an increase in a monthly payment. It is a struggle to make ends meet as it is 8. I have talked to numerous representatives and supervisors who all miss the critical point that even according to their records, there is no late payment, thus no late fee charges 9. I have finally sent them a letter stating that if this issue isnt resolved to my satisfaction by XXXX XXXX, XXXX by XXXX I shall " walk away '' from the balance owing and will not respond to any of their attempts to collect any sums of money. I own nothing from which they can collect! 

I welcome your further inquiry regarding this issue. I sincerely hope you are able to show this company the error of their " best business practice ''. Simply because I was using good money practices by submitting XXXX payments at once, I should not be penalized with " past due fees '' when the company 's own records clearly display no late payments!
Consumer complaint received 2016-09-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IA)

On XXXX/XXXX/15, I submitted a complaint with the Consumer Financial Protection Bureau ( reference case number XXXX ) regarding Wells Fargo Bank. On XXXX/XXXX/15, Wells Fargo Bank responded with written correspondence, admitted to and apologized for their errors, and stated I was not liable for any debt AND they would remove my name from the Wells Fargo Business Platinum Card ( under XXXX ) account ending in XXXX and the Wells Fargo line of credit account ending in XXXX ( Wells Fargo Reference number XXXX ). 

As of today, the Wells Fargo Business Platinum XXXX account ending in XXXX continues to show up on my bank account as still open with a {$12000.00} outstanding balance. 

I have worked with my local banker manager, XXXX XXXX for the past year to resolve this matter ; however, XXXX and I have not been successful thus far. 

I will attach the letters from Wells Fargo along with a snapshot of my bank account which shows the Wells Fargo Business Platinum Card account ending in XXXX as still open, and my email correspondence with XXXX XXXX.