davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX at XXXX XXXX I received an email from XXXX XXXX. XXXX XXXX informed me that my Wells Fargo Credit Card account has been closed. So, on XX/XX/XXXX at XXXXXXXX XXXX and XXXX XXXX I called Wells Fargo Credit card Department at XXXX to get some information on why wasn't I notified through them in write, email or a phone call to let me that my credit card account we being closed my their company. One person didn't give me a explanation on why the didn't notify me and the other person when I called back to make arrangements and to see if the account would open back up this person told me the account was closed for good and they're going to add late fees and inerest on the closed and account. When I asked her why would the keep add of those fee 's when their are then one who closed my account she told me that's their policy.
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OH)

I have talked to many customer service reps as well as managers concerning my payoff amount. My man concern was my interest rate each day being charged, the amount owed, also Ally financial pulled a hard inquiry in XX/XX/2017 withour my consent. Also, I am also one of the consumers that was victim of the discriminatory investigation which caused them to have a civil lawsuit suit. The consumer must be an XXXX XXXX, have low income, and over charged. I have requested documentations on numerous occasions and has been unsuccessful. They were very rude and refused me a few times to speak with a manager. There were several times they were not able to explain why the amount due was high.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

I got a secured card with Discover in XX/XX/2016 and was told they review to graduate at 7 months. I am at 14 months, have excellent history and have built up my credit. I have been preapproved for a new discover card for 2 months but keep getting strung along about this one graduating. I have called 3x to cancel but keep being asked to give it more time. I even got the " privilege '' of 0 % interest on my own $ as a tactic to not close my account though I have always paid in full. They have done away with the protections and shopping benefits they had when I got the card and the only thing I keep waiting on is the fact that if I close the card I have to wait 2 billing cycles plus 5-7 days yet if it graduates I can have the check in 5-7 days. All I want is my card to graduate. How am I good enough to get a new account yet the one funded with my own money won't graduate?
Consumer complaint received 2018-02-27
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. (MA)

STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT XXXX. XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/XXXX and XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2018-02-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

A payday loan was taken out in my name. I have asked several times in the last 2 years to please stop calling me. At one point they admitted the charges were likely fraud but I still owed a debt and needed to pay. The company name is Ad Astra Recovery Services.
Consumer complaint received 2018-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I went into XXXX XXXX in XXXX, MI with my family in XX/XX/2017 to buy a car. It would have been my first car since I am a new XXXX XXXX with very little credit history. I agreed to a credit check with my mother as a cosigner. Our credit was run with 7 banks at once, resulting in 7 individual hard credit inquiries into both of our reports, but did not know at the time. We did not purchase a car while at XXXX XXXX. Months later, I applied for a credit card and was denied due to too many hard inquires into my credit during one period ( bringing the total to 8 ). Luckily, I was able to check my credit online for free. Since I am very new to credit and did not know that the inquires were individually charged, my credit dropped even further. I contacted Trans Union in order to discuss solutions to solving this issue, since 7 individual inquires into someone's credit is completely egregious and financially destructive. I was told that I would need to resolve this with XXXX XXXX and have a letter written to Trans Union in order to clear the matter. When I contacted XXXX XXXX 's finance department, they insisted that multiple inquires did not impact my credit and refused to help me in any way. The representative was very obtuse with me and refused to let me explain my situation, instead bluntly asserting that the issue is my fault and nothing can be done. After several back and forth arguments, I ended our conversation. After filing a complaint with the XXXX XXXX XXXX, XXXX XXXX still refused to help in any way so the root cause of the problem is still unknown, and with no clear solutions in sight.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

1.Equifax has made it impossible for me to retrieve my credit report from them " online '' via their offered monitoring services. They have told me verbally that I will " never '' be able to utilize their online service and I will have to contact them by phone directly to their " Consumer Affairs '' dept. for any access to my file or even to make disputes.The last time I spoke to them they would not verify any account information on my file and said that they needed to mail me docs to validate myself which I've yet to receive. 
2.Equifax has continued to dismiss and under-report accounts that are being reported to them by Creditors such as ( XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX ) all of these accounts I am an " Authorized User '' via " XXXX XXXX '' ( Primary Card Holder ) who can be contacted at ( XXXX ) XXXX or XXXX XXXX XXXX XXXX, TX. XXXX. I have been on these accounts for nearly a year and Equifax has never reported any of them. 
3.Equifax has deliberately ignored my request to them to remove the " Extended Fraud Alert '' dating back to " 2013 '' which I did not request.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (OK)

I know the CFPB was trying to help consumers & XXXX XXXX had her heart in  right place but when the law passed & gave banks 9 months to prepare the whole nation got screwed. I was able to pay my payments plus extra always on time. After it went into effect my intrest rates went up from XXXX % to a ridiculous XXXX % on all credit cards & store cards & automatically doubled my minimum monthly payments or more. I didn't buy items at XXXX % but now I have to pay that. It's apparent the credit card company banks were showing their displeasure by punishing every customer. It wasn't just me, I know rich people this happened too, across the board didn't care if you were on time or behind everyone will suffer. 
I kept up with the payments as long as I could until a accident took my job away & cant make those double payments & the crazy intrest rates that never went down which we thought would if we just kept making payments. Now we cant make above the minimum payments so principal balance really never gets touched. I'm filing to repair my credit through negotiations but they all have ruined my perfect credit with one stroke of a pen from DC. I don't want anymore of their help because the Banks just find away around it.Its XXXX, XXXX, XXXX, Citi Bank with Best Buy,  XXXX, Home Depot. 
Respectfully, XXXX XXXX in XXXX XXXX PS many of our family & friends suffered the same fate. from now on its cash only for all of us. Cant trust the banks we bailed out this is how they repay our generosity.
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (FL)

I have received several letters from different credit collection agencies regarding an account from XXXX XXXX for the amount of {$460.00} which is being reported to all 3 credit bureaus XXXX XXXX XXXX  I have informed them in writing and verbally that this account is not mine and ask them could you please provide me validation of the original contract payment and interest fees validating that I sign for this account with my signature
Consumer complaint received 2018-06-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oracle Financial Group LLC. (TX)

Received recurring phone calls from a company by the name of Oracle Financial Group claiming fraud concerning an XXXX XXXX XXXX account. First couple of calls were from New York. The last 20 calls have been from an unknown number. 
This message is intended for XXXX. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning XXXX XXXX XXXX account. This matter is directly affiliated with your name date of birth as well. 

Gave the phone number to call back : XXXX
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

My wife & I signed a note with XXXX XXXX XXXX. We borrowed {$180000.00}, which was to be paid in 240 months ( 20-year loan in XX/XX/XXXX. We are current on our payments, have struggled at times, enough to get a 2nd Mortgage ( {$12000.00} ), in order to not have the home foreclosed upon.

In XX/XX/XXXX and XX/XX/XXXX, fully expecting to have a year or so left before the home was ours free and clear. Wells Fargo, the current holder of the mortgage, printed us a " statement '' of sorts, that said we still had a balance of {$120000.00}, and 13 more years to pay it over. 
Both Wells Fargo and ourselves have been doing research on this loan to see what would cause this issue. Each time they send us a BLANK Loan Modification, that would extend our loan into XX/XX/XXXX.  This " Loan Modification '' has 0 signatures from anyone a XXXX XXXX XXXX XXXX - whom Wells Fargo purchased, nor any signatures of my wife and me agreeing that we wanted to do this Loan Modification. We obtained a 2nd Mortgage for the past due balance outstanding and satisfied the foreclosure, and did not sign to extend our loan 13 more years. Today this is still their stand and final answer.
Consumer complaint received 2018-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I've contacted Transunion twice in regards to 3 inquiries on my credit report that I did not make. I advised that I suspected fraud. They informed me they couldn't do anything and to contact the creditor- XXXX XXXX. I contacted XXXX XXXX and was informed they could not do anything either.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with transunion had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XX/XX/XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

it was a company, XXXX that said i owed them for a product that was returned over 7 to 8 years ago. now they put my account im collections for XXXX for what they said i bought again. was not notified & XXXX wont remove from my account. never gave them my social or any info. dont owe this company not mine
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I joined XXXXXXXX XXXX XXXX in XX/XX/XXXX on XX/XX/XXXX. When my contract expired, one year later, I contacted management of my intention to cancel my membership. I was told that I needed to follow their cancellation policy stated on my contract. 

Their membership policy requires Certified Mail, receipt requested notification. I sent them a certified letter of my intent to cancel my membership immediately on XX/XX/XXXX. I have signed proof that they received my request, dated XX/XX/XXXX Phone calls and E Mails that I have made netted no results, their billing continues. 

XXXX XXXX XXXX continues to charge my credit card a bi monthly charge of {$20.00}. I've disputed this charge with my bank. I cancelled my credit card as well. Somehow, XXXXXXXX XXXX XXXX has been able to charge my newly issued credit card for the bi monthly dues. I have not authorized them to make any charges to my account. Nor, do I receive or use their facilities. 

I hope you can help resolve this issue. 

Thanking you in advance. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonded Business Services, Ltd. (TX)

I need XXXX XXXX and Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX  XXXX in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXXs five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXX XXXX   with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXXuntil it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX  and the receptionist of the XXXX at XXXX XXXX XXXX XXXXs. XX/XX/XXXX- After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XXXX, then XXXX  along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XXXX. This company is reporting a debt on my credit report that another company has. The other company, XXXX XXXX could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX  remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX XXXX  in XX/XX/XXXX. The XXXX of XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XXXX  Attorney General XXXX XXXX.
Consumer complaint received 2018-06-26
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: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I reviewed my XXXX consumer credit report and discovered CHASE CARD had requested my consumer report on XX/XX/XXXX with out my knowledge or consent.
Consumer complaint received 2018-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Residential Mortgage Solutions, Inc. (NJ)

My husband and I refinanced our home in XX/XX/XXXX through a broker, Residential Mortgage Solutions , Inc. ( RMS ) out of XXXX, MD. 

In XX/XX/XXXX our new lender, XXXX XXXX, sent us a letter stating that after performing an escrow analysis they found we have a {$700.00} shortage. This came as a huge surprise since both our property taxes and our homeowners ' insurance have reduced. If anything, we should have had excess. 

After reaching out to XXXX, and getting no satisfactory answers for months, eventually getting no return phone calls I threatened to reach out to the CFPB. Only after that did XXXX XXXX, owner of RMS, contact me again. 

He eventually sent us a check for {$300.00}. This was his offering to " split the difference '' of our {$700.00} shortage. This seemed to be odd business practice and raised a red flag to me. 

Meanwhile, during my research into finding our lost money through the title agency, our county tax collector and our previous lender XXXX XXXX XXXX XXXX XXXX XXXX, I learned we were actually shorted {$2300.00} from RMS. This amount represents our 4th quarter taxes and insurance, which unbeknownst to us at the time, we had already paid two days prior to closing through automatic withdrawal. Meanwhile, XXXX XXXX insisted his company ( RMS ) paid. 

While XXXX XXXXXXXX XXXX did send in a check for {$1800.00} to our county for taxes it was returned to them, since we already paid. ( see attached documents ) We signed a promissory note to RMS for {$2300.00} during the closing. This was to be for them for a " lender advance '' to alleviate a financial burden caused by the {$2300.00} plus our monthly mortgage payment of {$1800.00}. We would repay once we received our refund from XXXX. This never happened though since we already paid our own 4th quarter and did not need the " lender advance '. 

I emailed XXXX XXXX all the documents I gathered proving the above and in XX/XX/XXXX he mailed us a check for {$1400.00}. However, XXXX XXXX mistakenly deducted {$620.00} from the {$2300.00} since that is the refund we received from XXXX. We were owed that amount in full. That {$620.00} was our excess funds in our XXXX. account and should've remained our money. 

After pointing out his error multiple times XXXX XXXX is no longer communicating with me. I have been quite patient throughout this long ordeal putting up with XXXX XXXX brusque responses and I respectfully request your assistance in getting reimbursed our {$620.00} to make us whole. I thank you Kindly for your consideration.
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have sent two certified letters ( See Doc 1 & 4a,4b ) requesting validation bearing my signature for a Capital One credit card in the amount of {$470.00} that I am currently disputing. I have proof that my letters were signed for and received. ( See Docs 2 & 5 ). Not only did they fail to provide me with proof of MY SIGNATURE validating the debt, they failed to update my account status as " disputed '' with the 3 major Credit Bureaus in the required 30 day period. Please note ( DOCUMENT 3 ) which is a copy of my XXXX report dated XX/XX/17 ... more than 30 days after Capital One received my letter of dispute, it does NOT have the account marked as disputed. By not placing the disclosure within the 30 day period Capital One has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or The Fair debt Collections Practices Act Section 807 ( 8 ). 
Capital One continues to send me copies of billing statements for this account which does not constitute validation of debt.