davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a check from Citizens Bank in response to a consent order you filed. The the check was made out to XXXX XXXX XXXX which is my business which I closeda few years ago. It was a sole proprietorship and they still show me in their records. They would not cash the check at the bank because the business is closed. They would not reissue a check in my name when I called the number in the letter they sent with the check - XXXX.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (CA)

I keep receiving calls from Wells Fargo Home Finance indicating that someone named XXXX at my number needs to speak with them. There is no XXXX at my number and I 've had this number for 5 years. I 've received 17 calls in 7 days including weekends and I 've told them numerous times to stop calling me as I am not the person they are trying to reach.. This is ridiculous and they wo n't stop despite telling me they will stop stating " It takes time to remove me from their call list ''. XXXX it does n't. They pull up the record to my number and told me how many times they called me as soon as I tell them to stop calling me. This is carelss harassment.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Cynthia Hitt Kent, LLC (MD)

This mater is in reference to a collection placed on my XXXX XXXX HOA account going back 7 years. I have made numerous payments on my account but the balance never decrease. Based on my account records with the Law Office if Cynthia Hitt Kent, LLC there a number of payments that has not been credited to my account. I have contacted the collections office on many occasions identifying this issue. No action has been taken to update my account with the collections agency ; in turn there are all kinds fees and interest charged to my account. In my communication I have submitted copies of checks chased on my checking accounts. Fails information is forwarded to my HOA Board and they are taking legal action against my assets.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Tran union is allowing XXXX XXXX XXXX XXXX report to my credit file this is a unverified debt an update in there credit XXXX is not what I am talking about this account was placed in collections I want to know why XXXX XXXX is allowed all total this account is being report 4 times it was reported with a XXXX balance and needs to be removed No dispute needs to be opened this account needs to be removed
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I signed up for my free credit report pursuant to Transunion 's services and the XXXXday free trial ( after which I 'd be charged {$16.00} + tax for a monthly " subscription '' ). Upon the end of the 7 days, I tried to cancel but found no way to do so online, nor did I find any information as to a phone number to call to cancel, and I also could not find further instructions when I searched " cancel '' in the website 's search bar. I believe Transunion is purposely making it difficult and unreasonably burdensome for consumers to cancel their memberships so that they can charge them {$16.00} per month for the subscription. It seems very likely that Transunion is taking advantage of the busy nature of people 's lives and the little time they may have to fully mete out this issue. There is certainly a consumer protection issue when a company has intentionally tried to conceal a person 's ability to cancel a recurring charge that he or she otherwise has the complete right to do.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a state tax lien against me which I paid against me on my credit report and first I started by talking to the irs they said they could n't help but would recommend it dropped because the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, 2011 and second I visited the county clerk in XXXX ny where the lien was issued and she was going to drop it but the report was efiled so she could n't and just told me to dispute it and I should be fine but when I went to dispute it transunion said we will issue a dispute but it does n't matter it has to stay for 7 years ... now if the irs and the county clerk are willing to drop this idk why transunion has an issue with it.. I have just started trying to fix my credit and I have a kid on the way so I 'm trying to better myself in everyway for that so please any help on this will go a long way.. I have attached the efiled document and will be willing to give any info required
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been contacted multiple times by a collection agency that goes by XXXX separate names ; XXXX XXXX XXXX & XXXX XXXX XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (OK)

I cancelled my XXXX service after 30 days due to non performance and numerous service calls. I have NO signed contract either ohysical or electrnic with them. They firgot that oart and I signed up by phone. I requested several times they pick up their equipment and they have ignored these requests. They have placed it for collection. An " early termination fee of {$400.00} and non return of equipment {$90.00}. I have NO contract to terminate " early '' This is merely a greedy attempt to get money for a service that was cancelled because they did not provide it.
Consumer complaint received 2017-02-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I purchased my home in XXXX with a 1st and 2nd mortgage. Ocwen currently owns the servicing of both of my mortgages. My 1st mortgage was a XXXX Interest Only and now adjusts every 6 mos. My 2nd mortgage is a 30 due in 15 with an interest rate of XXXX %. Due to the housing market crash in XXXX, I was not able to refinance because I now owe more than my condo is worth. Since I pay my mortgage on time each month and not in default, I was told my 1st and 2nd mortgages could not be modified. Since I am not able to refinance due to my current value vs. what I owe and Ocwen is not willing to help, I am left in a situation to worry about the payment adjusting every month months, rates increasing and paying on a 2nd mortgage with high rate that will be due in 3 yrs,
Consumer complaint received 2015-08-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

I contacted Wells Fargo Mortgage on XXXX XXXX, 2015 to refinance my home. After wasting excessive time gathering the necessary paperwork, receiving and sending at least XXXX e-mails, receiving and sending countless phone calls, by the beginning of XXXX 2015 closing had not taken place. After I submitted all the documentation I was asked to provide, paid an appraiser {$400.00}, and paid {$25.00} for credit reports, Wells Fargo Mortgage made me go to a closing appointment that did not take place because the attorney did not get the loan officer 's okay to close. 

When I spoke with the loan officer about refinancing my home, I requested for the closing costs to be included in the loan amount. The same loan officer sent me XXXX Rate Lock Agreements, XXXX dated after the other XXXX. I noticed there were closing costs, on a separate field, in excess of the loan amount. I spoke with the loan officer 's supervisor and explained I had instructed the loan officer to include the closing costs into the principal loan amount. Instead of the supervisor responding to me, directly, he forwarded somebody else 's answer. After I made several inquiries regarding the closing costs still appearing, the loan processor informed me the closing costs were to cover a year 's worth of the homeowners ' insurance premium. 

After I was given this information, I realized the loan officer took it upon herself, without my consent or notification, to secure a homeowners ' insurance policy with a different insurance company. Apart from the loan officer 's unethical behavior, the premium would have been {$500.00} higher than the insurance company I chose and which I had started making payments in mid XXXX. 

Besides the erroneous additional closing costs, the loan amounts changed, within XXXX day, in excess of {$2000.00}, even though I continued to make mortgage payments on time. 

Wells Fargo Mortgage never gave me a reason for the delay or the inability to close on the loan. During this process, I was addressed in a disrespectful manner, on several occasions, by the loan officer. Because of the loan officer 's actions, I was compeled to send her a rude e-mail complaining about her attitude toward me. The loan officer responded by leaving me a voice mail message threatening me to file a complaint, against me, with Wells Fargo corporate office. 

I sent an e-mail to the loan officer 's supervisor cancelling the refinancing process. Additionally, I sent a complaint letter to XXXX XXXX, with Wells Fargo Mortgage Board of Directors, on XXXX XXXX, 2015, explaining everythingwhat had taken place. 

Thank you for your time.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (VA)

I began receiving bills from Experian XXXX XXXX with the merchant number XXXX CA & XXXX CA on my XXXX XXXX XXXX XXXX XXXX starting in XXXX, 2015. I did not authorize this transaction. Since I rarely use the card, I did n't notice the billings until I started to receive notices from XXXX that I had an overdue account billing. I contacted both XXXX and Experian to settle the issue. 

Experian cancelled my account which had been opened with my credit card number, but under a different name. The company did not, however, remove the balance from my credit card. XXXX in turn had cancelled my card, and issued a new one. The balance remained however, totaling {$93.00} as I file this complaint. XXXX also declined to remove this balance off my account. 

On Wednesday, XXXX XXXX at approximately XXXX EST, I contacted XXXX via telephone to settle this matter. The XXXX customer service person I spoke with eventually called Experian, and thus began a XXXX conference call. The Experian agent indeed noted that the existing balance was opened under a different name than mine, and the account had been closed, but that it was company policy to not issue a refund. The XXXX representative informed the Experian representative that the call was being recorded. This did n't sway the Experian employee, and I asked to speak to a supervisor. 

A supervisor named XXXX, ID # XXXX, confirmed what the previous representative said, that despite me being the victim of a credit card theft, they would not issue any refund of the amount that had been billed to my original XXXX credit card. Experian left the conversation, and I was transferred to another XXXX agent who specialized in fraud investigations. I was placed on hold, and the call was dropped. Since then it had been has been four business days since then, and XXXX has made no effort to contact me regarding this credit card fraud issue. 

I did not under any circumstance, authorize Experian XXXX XXXX or any of it 's subsidiaries to bill me for services. I did not need, nor do I want, any of their products. Their agents admitted as much, that the billing was made under a different name than mine, but refuse to remove this bill, citing " company policy ''. I do n't see how an obvious case of fraud can be ignored. I am also greatly disappointed in the actions of XXXX, who constantly bombarded me with emails and phone calls to remind me to pay this bill, but can not be bothered to contact me to resolve this case of fraud.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Experian has several lines that are incorrect. Several Educational loans that have been sent back to the XXXX where I have been in a rehabilitation program. Experian has most of my negative accounts still opened and in a past due status. Making my credit score XXXX plus below other credit agencies. I was denied an apartment based on their info. They also have accounts on my report that were reported well over 7 and ten years ago listed recently and wo n't come off until 2018 that should be off already since those account were already sent to collections. So they have false reporting info. XXXX XXXX to mention. They keep starting the 7 years over and over on numerous accounts. There are accounts that are duplicate with different account numbers. XXXX card that they have as recent is well over 10 years ago. Student loans that are in past due status that were sent to XXXX that they still have for another collection agency that rehab has been completed on. Also for accounts that are in good standing they have the actual pay dates although the creditor has pays well and ok. They list every item and pay date which is very subjective ; allows the new creditor to think slow pay..when the account is paid well. Have other people that I may have been affiliated with in the pass never married to XXXX ( XXXX ) not in my life should not be on my credit. XXXX XXXX account should be off ; reporting false information. Have more judgments than I actually have. Fair Collections and outsourcing I have disputed because they can not validate the info and where my deposit went. They keep it on the file. To have every account still opened and they are closed drops my credit score. So there is a lot of miss info. If you all XXXX Experian complaints.. there are tens of thousands complaints. My sister has a XXXX and XXXX with other agencies and great credit Experian has her at XXXX. With false info being reported. The accounts should not be in past due status ; they should be in the status they truly are. I have disputed some of these not all as of yet. They are not pleasant to deal with when you call them. I truly feel they work with the creditors to keep people 's credit bad. Take a closer look at Experian please they are making my life difficult and maybe homeless soon. Also XXXX XXXX Bank credit card I paid off. Good standing closed it on my account when my life was on track before losing my job. They have another card with no reported data ( since I closed the previous account ) and have it in a bad status for an account I never had. They have no data but still have it on my report. Fix this please.
Consumer complaint received 2017-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

I have XXXX student loans from XXXX bank. They are in default and are now handled by Weltman, Weinberg and Reis Co., LPA. I have spoken with them twice about establishing a reasonable payment plan. My loans total {$48000.00}. They want me to make a down payment of about {$3800.00} and then make monthly payments of {$800.00} for the next 48 months. That monthly payment is totally impossible for me. I am willing to go back to making reasonable payments such as about {$200.00} per month, but they wo n't accept that. Also the length of repayment has been decreased to 4 years whereas student loan repayments are typically 10 years or longer.
Consumer complaint received 2016-10-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Chrysler capital wrongfully repossessed my vehicle on Monday XX/XX/2016 it 's now XX/XX/2016 my car is paid untill XX/XX/XXXX but I have yet to get it back .... i am XXXX they are aware of this so my son is on the loan with me to take care incase something should happen. So all my basis are covered. They said they can not compensate for XXXX or loss of wages due to their error. My XXXX plates are in that vehicle and other sentimental items. No Picasso or anything but priceless to me. And being that I 'm pacific time and they are on central time I have to get things started early to get no where ... I 'm so confused frustrated my health is declining I 'm XXXX and XXXX for all XXXX that I 'm under .... Please help me!!!! They knew i am XXXX they know they are in the wrong and yet they still do n't do anything to help my situation!!! Please contact me at XXXX my name is XXXX XXXX
Consumer complaint received 2016-06-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

On XXXX XXXX I submitted a check for payment of merchandise in the amount of {$110.00} to XXXX XXXX. The company that they use to authorize checks, Certegy, refused to authorize the check and told the cashier she could not give a reason and told her to tell me to call my bank. Called my bank on XXXX XXXX. They explained they have nothing to do with this and it never came in to XXXX XXXX XXXX XXXX. Called Certegy ( see online they had a fine of XXXX dollars against them in XX/XX/XXXX ). They told me it had nothing to do with my credit or anything to do with me. It was their computer model. Their programmers seem to be incompetent. How many other people has this happened to. I have a debit card from my business account but I did n't want to use my business account for this purchase. I have excellent credit. Certegy is denying people with no history of bounced or bad checks for no good reason.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Arbitration — 
Company: BARCLAYS BANK DELAWARE (TX)

I went on a cruise with a friends family, we applied for credit cards onboard the ship. The whole cabins charges were billed to my credit card. When I received the bill I contacted carnival and they sent me a document that I have attached, which clearly states I am not responsible for any of these charges. At the bottom it says there is an asterisk mark placed beside the responsible party, which you will notice is not me. There is only one charge on my folio card that was automatically put on there for {$48.00} for service gratuity.. every card was charged this. They put the charges on the wrong mastercard. I am not responsible for any of these charges.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Credit Card cont. showing me that I owe them $ XXXX or more to all XXXX credit Bureaus. Why? This card was paid off 4+ months ago. 

RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XX/XX/2016, your Capital One ( R ) MASTERCARD PLATINUM account balance is $ -XXXX. This balance does not reflect pending transactions.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PA)

I have a Macy 's American Express credit card that has never been activated as the sticker is still on the card. My wife was shopping early this year at Macy 's and the clerk was able to charge a {$13.00} dollar dress on that card by using my ssn. In XXXX, I noticed my XXXX score dropped from XXXX to XXXX from another credit card company which shows my score online and tells me the reasons of dropping was due to a serious delinquent account. I requested a credit report immediately and found the Macy 's card was delinquent with over {$70.00} unpaid balance. I called the Macy 's credit department and found my account was enrolled in a paperless statement program which I did not authorized. I explained that I never received any statements and communication about my pass due status and as a result of not having any notifications the initial {$13.00} became {$70.00} due to XXXX late fees and finance charges. The staff on the call was nice and explained the there was a system upgrade and that may have resulted not sending appropriate statements or notices and he waived all late fees. I then paid {$13.00} plus {$4.00} finance charge right way. I told him my score situation and he agreed to check and remove it. As months passed by, I still did not see my delinquent status removed from the credit bureau. I called later and was told it would be taken care of. It never happened. I just checked today and there was no removal of that serious delinquent status from the credit bureau. The card was never activated and a charge was put on by a store clerk. There was not statements sent afterwards and I was put into the paperless program without my consent. My credit score should not be negatively impacted by the errors I did not make. The {$13.00} dollar dress now has caused my score decline from excellent status XXXX XXXX XXXX to fair status ( XXXX ). I was trying to refinance my mortgage and could not get a good rate because of errors made by Macy 's. I request Macy 's to remove the negative info from all reporting credit bureaus and restore my credit rating.