davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XX/XX/XXXXI had a dispute with XXXX XXXX XXXX XXXX about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually XXXX XXXX XXXX removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, XXXX IN XX/XX/XXXXsold it to PORTFOLIO RECOVERY ASSOCIATES whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XX/XX/XXXX. 
I have repeatedly advised PORTFOLIO RECOVERY ASSOCIATES that it is improper and illegal to state this to be a new derogatory default as of XX/XX/XXXX and it causing me a serious problem of turning down for essential items to be purchased, PORTFOLIO RECOVERY refused to remove this illegally and in bad faith showing derogatory item from my credit.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (WI)

In XXXX I notified target credit card that there were multiple same day purchases. 
The first person I spoke with, XXXX, was nice and went over items and removed all the items that we did not purchase. 
A fraud person at target credit cards put all the charges that XXXX had removed back on my card and added finance few and late fees and never notified me that she put the charges back on. Since then I have called XXXX only to get hung up on and told I had to have made these purchases and they refuse to do anything!
Consumer complaint received 2017-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX closed my newly opened credit card in error. My Transunion scored dropped over 100 points. I submitted a dispute to Transunion. Transunion decided that even though XXXX XXXX XXXX  opened the account that was closed in error, they would still not remove the erroneous reported item nor did my score increase. Also, the same exact information is being reported on XXXX and Transunion, but Transunion has my score over 100 points lower than XXXX. I had perfect payment history before filing bankruptcy XXXX 2016 and Transunion has information to support excellent payment history. Please see that Transunion removes the information from XXXX XXXX XXXX and increase my score once information has been successfully removed.
Consumer complaint received 2017-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc. (TX)

STELLAR RECOVERY had originally reported a false account on my credit back in XX/XX/XXXX. I had notified both them and XXXX back in XX/XX/XXXXthat this debt was not mine and that the name and address used to open this account were not mine either. This was removed off my credit report eventually. However it appears that Stellar may have sold this debt to XXXX XXXX XXXX Who are now trying to collect the same debt. I am now having to file a 2nd police report and submitting other forms of documents to prove once again that I am not the person who opened this account.
Consumer complaint received 2017-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

I applied for an Amazon credit card ( Chase Bank ). I have good credit ( credit score of XXXX on the day I applied ). This score is better than others who have obtained this card, according to my reseach. I have a screen shot of this score if you would like to see it. I have low utilization of credit and I pay all my bills on time. I was denied the credit only because I obtained bankrupcy 8 years ago. It is illegal to deny someone credit on the based of a status such as bankrupcy : "  Federal law provides express prohibitions against discriminatory treatment of debtors by both governmental units and private employers. 

A governmental unit or private employer may not discriminate against a person solely because the person was a debtor, was insolvent before or during the case, or has not paid a debt that was discharged in the case. 

I would like Chase Bank investigated for discrimination. The reference # of the letter I received is # XXXX. Thank you!
Consumer complaint received 2017-09-03
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 (SD)

This complaint is file to have the CFPB review the attached documents and hopefully see that Wells Fargo Dealer services altered contracted due dates in order to receive additional monies toward forced insurance that already had be contractual met. They refused to answer the State Attorney General in fact they avoided answering the question all together and repossessed my vehicle all together based on the lie they created. The repossession was no more than a retaliation for taking them to Small Claims court to get them to clean up their mess they created. No matter what you request of them they will ignore you or send false witness about the whole situation
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (UT)

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 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-09-03
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. (FL)

Experian did not remove fraudulent information such as address, phone number and/or account information from their data base. The information does not show on my credit, the one I can see as a person. 

I can not verify my identity to access a free credit report, dispute inquires on my report, renew my health insurance and so many other things. 

I have been reporting this issue to them for years.
Consumer complaint received 2016-08-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I had a mortgage with a bank where I was experiences mistakes in handling of my escroe things. I have filed a complaint here about that and the bank just continued it until it was closed with no resolution. I found a bank that would refi, did so and did much better however again with escroe- the old bank after being paid in full, notated account paid in full, XXXX balance for almost 2 weeks responded to my inquiry about returning to me my escroe balance which was XXXX, sent me a confirmation message that the XXXX would be sent in 15 days. So I waited and when not receiving it I contacted them again. This time they balance had changed and they show a lesser amount being sent to me while maintaining XXXX dollars on the account which is still open. I inquired about why they kept the XXXX and they say for the PMI which was paid in arrears. I have batted this back and forth with messages to them which is no different than I had to do when they made mistakes in my escroe before. They tell me I owe XXXX for a PMI payment although the last PMI payment was posted XXXX the pay off XXXX showing all was paid the account shows paid in full in capital letter and XXXX balance. Yet with nothing showing to be owed on the account they kept XXXX and by the way XXXX was the PMI payment not XXXX. The PMI does not renew until XXXX and is paid yearly not monthly so I do not understand how they can charge me anything when the account clearly shows paid in full, XXXX balance and that my PMI posted in XXXX was paid in the settlement. Even today this morning of XXXX/XXXX/2016 there is a credit escroe balance of what they kept, the account does not appear closed yet shows paid in full with this credit. You can tell me I owe something until the cows come home but if the account shows paid in full XXXX balance how can you keep any of my funds? This is just one of many problems I have had with Wells Fargo Mortgage. Its just not right and they should not be allowed to just do things with peoples money especially when their own records indicate no evidence for their actions. I have refinanced with another company and was treated much better but its not fair to take someones money without being able to show you owe it.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

After my loan was transfer to my new lender. I did applied for a modification to obtain an affordable interest rate, consequently a better payment. After a long journey of sending documents and contacting the bank. My lender approve a modification with a successfully 3 trial payments. I received the final modification with no change of interest rate and a higher payment. much higher than before the modification, plus the term of loan has been extended for more years and increase of payment. Now the lender said is the best I can do take or face foreclosure.
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (SC)

I received a letter from a company called Credit Collection Services saying I owe them money. First off I never heard of them and do n't owe them any money. 

I sent a certified letter asking for validation of debt within the day 30 period that the letter they sent me said i HAD. 

In the letter I sent them also included a cease and desist clause and to not contact me via phone. 

Credit Collection Services has violated the FDCPA. They have called my house 2 times since they received the letter. That is XXXX violations. Credit Collection Services never sent me proof via validation that I requested. They keep sending me bills and calling. 

Credit Collection Services also has a person name of the bill that I have never heard. Please fine them for their multiple violations of the FDCPA, plus they harassing me.
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Collection Service of Nevada (FL)

On my XXXX report I continue to dispute open collection status. The balance is XXXX but remains as an open collection and not closed. Item is not being reported correctly and should be a closed collection because I am no longer responsible for debt.
Consumer complaint received 2017-09-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

I called Ocwen Mortgage to lower my payments, they offer to lower my payment but failed to inform me my mortgage would be for over 40 years. At the time of my request I owed approximately 90,000 on my home. That was in XXXX or XXXX, now I owe over 144,000 and my house note over {$1200.00}. My house is only worth XXXX. I feel like Ocwen has taken advantage of me.
Consumer complaint received 2017-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sapphire Marketing Group, Inc. (VA)

XXXX is not a loan company they are a debt settlement company, I have to loans of which I fell into hardship and could n't pay them so I contacted this company about helping my consolidate my loans into one payment and also stop the fees for accruing. In XXXX 2017 I got a phone call from XXXX XXXX stating that she worked for this company and that they can help me pay off my loans in 4 months without paying any fees from the lenders and accrued interest, She sent documents over stating those facts .Once I responded to the documents. This company started taking money from me on XXXX XXXX, 2017 of XXXX! XXXX XXXX, 2017 was suppose to be my last payment and I was suppose to get a letter from my lenders stating that my loans were paid in full. Before I enrolled into this company i owed XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX informed me that once I enrolled into XXXX loan that they would handle everything for me. I had told her that I had only paid XXXX but had not paid XXXX because they had not sent me a statement. She informed me that it was fine because they would settle my debt for me and handle everything for me. Everything was going good until XXXX when i got a call from XXXX with XXXX XXXX XXXX Im guessing they are the same with XXXX  but they represented them, She explained that I would not be finish in XXXX because one of my lenders had not settled. This company did nothing to tell me that my lender wasnt going to settle. They kept charging me fees from their own company while my lenders charged fees too. I demanded a full refund but was told that i would only get XXXX back and that they charged over XXXX in fees. Sent only one lender a check for XXXX in XXXX. I am beyond exhausted and frustrated. This company is a big scam and I want my money back because they misrepresented their selves and then at the end going to tell me that i signed a contract stating that they would take fees. I did n't care about the fees. but they didnt do anything for me so I demand a refund.
Consumer complaint received 2017-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (PA)

I was added as an Authorized User to my mothers PNC Bank Credit Card a few years ago. The card was hurting my credit score when I checked a few months ago, so I called PNC 's customer serivce on I believe XXXX XXXX XXXX at XXXX. I asked them to remove me from being an Authorized User which they told me I can not do myself, but that the primary cardholder has to call and do it themselves. It was a bit odd as other credit card banks immediately allowed me to remove myself as an Authorized User without issue. 

I had my mother call PNC customer service on XXXX XXXX XXXX while I was standing near by as she does n't speak english very well. The representative had to get a translator which my mother could not understand what the translator was saying or the representative. I was told that I could also not speak on her behalf even though she was right next to me when I asked that if she would agree to it if that would work. The representative and translator eventually gave up and told me to bring my mother to a branch office instead. She does not want to go to the branch office as the phone conversation with customer service confused her and as she 's filing bankruptcy anyways so she has other concerns. 

I am at a loss of what to do as this card reporting on my credit report has prevented me from being able to even get a secured credit card in an attempt to rebuild my credit. This policy of only allowing the policy cardholder to remove Authorized User seems outdated as it should n't be there in the first place. I felt that this should be brought to the attention of the CFPB and PNC as it could harm other in the sense that if the card is hurting your credit score and you ca n't remove yourself from being an Authorized User. While the policy cardholder be it that they 're XXXX or you 're not in contact with them you should n't be stuck with the bad remarks for a card that is not your responsibility and no other pathway to remove it.
Consumer complaint received 2017-09-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY (NY)

As a result of the problems that I have encountered with Wells Fargo keeping my student loan in deferment status annually as I have been enrolled in school full-time the past 2 years, which had been resolved only after filing a CFPB complaint each year, I submitted the request for deferment a few weeks earlier this year, with the expectation that my Wells Fargo deferment would finally be processed in-time to avoid being placed in repayment status and, consequently, to avoid having to file a CFPB complaint this year. Instead, Wells Fargo sent a letter on XXXX XXXX, 2017, stating, " We are unable to hold your request for forbearance longer than 45 days, '' and asking that the entire request be re-submitted " closer to your payment due date. '' Fifteen days later, Wells Fargo sent a notification in the mail stating that my account will enter re-payment status soon. I subsequently re-submitted my request through my school to comply with Wells Fargo 's request to re-submit the entire application all over again, but have not received any notification from Wells Fargo as of today.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

I made a payment to Citi of {$3700.00} in error which they received on XXXX XXXX, 2016. When I realized that I had sent it in error, on XXXX XXXX, 2016, I called and was told that they had to report any refund over {$1000.00} to the government. When I inquired as to why I was told it was a regulation. When I inquired as to what the regulation was she told me she did not know. I was told it would be up to 7 days before I would get it. I asked for it to be sent to my Citi Checking account. On XXXX I called again and was told they were waiting to see if my bank had paid the check. I then told them that if I did not have the money in my account by XXXX at XXXX I would begin a complaint process. I do not have the money in my account yet.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

We have a business account with TD Bank. The account was set up but they failed to set up the online banking correctly. This resulted in the Bank 's failure to provide proper notifications and alerts. We advised the Bank of this issue on several occasions. 

Instead of taking corrective action to provide remedy to correct their errors, they charged over {$500.00} in NSF fees. It appears the Bank is intentionally trying to create opportunities so they can profit from NSF fees. The Bank was aware funds were available in other accounts and could be easily transferred from another account. If the online Banking and Account Notification system had been set up correctly by Bank initially, the account NEVER would have been in a position to receive NSF fees. 

The last time we spoke with the Branch Manager, she said we could " go somewhere else if we did n't like how TD did business ''. 

We propose remedy to this situation by having the fees refunded, disciplinary action against the Manager who failed to be courteous and take corrective action, and a letter of apology. 

We will also take steps to forward this complaint to the appropriate Lawmakers to address the situation of Banks overreach to profit from consumers.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service (TX)

I noticed my XXXX pension pay was short {$200.00}, I looked up my account and noticed AAFES took out {$200.00} for government indebtness. I paid my remaining account balance, {$3500.00}, on XXXX XXXX 2016. Prior to me paying my account off, my account was current. I talked to a customer service agent and she told me, she do n't know why money was garnished out of my account. She informed me that AAFES submitted a wage garnishment on XXXX XXXX 2016 for {$200.00}, but I made an on-line payment on the same day for {$2000.00} that had n't posted. The XXXX XXXX 2016 for {$2000.00} posted the next day. I do n't understand why a garnishment that supposedly took effect on XXXX XXXX 2016 is just now taking effect until today, after my account had been paid off in full. The garnishment should have never been processed any way. The customer service agent informed me that according to the system the {$200.00} garnishment is not in the system and to call back in two weeks to request a refund. It seems to me AAFES is double dipping by garnishing payments out of XXXX accounts, even though they made payments on-line. I need my money, {$200.00}, back immediately because that garnishment should have never been processed in the first place.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of American applied an excessive number of late fees in the amount of {$520.00}. They applied {$35.00} bank fee XXXX times to collect excessive fees. In addition, allows XXXX resubmit checks XXXX times to inflict as much damage to the consumer and allow Bank of America to apply excessive fees. The damage has been done because they have already taken my Social Security check with late fees. In addition, going forward I have to pay bills cover the {$520.00} that has been taken from my accounts. In addition, I have a family in XXXX while working XXXX causing my family undue harm.
Consumer complaint received 2017-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

Tried calling Moneygram about this matter on XXXX/XXXX/XXXX at XXXX XXXX, overseas agent disconnected me. Sent two money transfers under XXXX and XXXX to the same recipient ( XXXX XXXX ). The location used to retrieve the money is : XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. A major violation seems to exist with this particular agent, they insisted on making/keeping a copy of the Drivers License before dispensing the money. This seems to be a major privacy issue that can lead to problems down the road. In fact, this has never been encountered at any other agent locations. Lastly, agent refused to release the money until the sender called Moneygram and had the middle initial added for the recipient.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

XXXX county recorder shows a lien file XX/XX/XXXX with a balance. an individual chapter XXXX bankruptcy XXXX debt in 11/2014. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX XX/XX/XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.