davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have a revolving credit account with XXXX XXXX My payment is set up on autopay where they take it directly from my Bank Account . Once a year they for no reason stop withdrawing the payment and do not notify the consumer. They then report it as a late pay to the credit reporting agencies. XXXX is a company that extends credit to people with low credit scores. I believe they use this practice to keep your scores low so that you must purchase from them. I contacted them about the issue they refused to resolve it or let me speak to a supervisor. I also disputed it with all XXXX major reporting agencies who did nothing.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had a tax lien recorded on XXXX XXXX, XXXX. The lien was subsequently withdrawn by the filing agency on XXXX XXXX, XXXX due to the lien being satisfied ( paid ). The item of record itself is over seven years old and it has, in fact been withdrawn. My understanding, and please correct me if I am wrong, is that this should not appear on my credit report because the withdrawal of the lien has the effect that it never existed. These item is being reported by both XXXX and Transunion. I believe it is on my XXXX report as well. 

Please help me get this removed if I am entitled to have it removed. Thank You.
Consumer complaint received 2016-08-22
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Ceannate (IN)

On XXXX XXXX, XXXX, I received a letter notifying me that a debt was placed with their office. This letter was dated XXXX XXXX, XXXX. 
Today, XXXX XXXX, XXXX, I receive a second letter from this company stating that they have made several attempts to contact me and that I have failed to respond. In this letter, dated XXXX XXXX, XXXX, it states that any accounts that remains unpaid for 60 days after they are placed with their office are subject to garnishment or litigation. It states in the second letter that the account was placed in their office on XXXX/XXXX/XXXX. 
By the time I even received their first letter, I was already past their claimed 60-day window for legal action. I was waiting for a few more pieces of mail ( unrelated to this matter ) in order to talk to my bankruptcy attorney when I received these two letters literally a week apart from one another. The first letter does not state when the account was placed or a time window for action on their part. 
I have not received one phone call from this company and I 'm more than confident that the original creditor has my current cell phone number as I have discussed this debt with them before it went to collections and updated all of my demographic information. 
At the rate in which their adding interest and fees, I 'd never be able to pay them off. Per their letter, with a XXXX % wage garnishment, almost half of the garnishment payment would go to the fees and interest they added to the account in just the two weeks prior to that payment. This makes it impossible to even work out any sort of payment arrangements with them as my wife 's wages are currently being garnished at XXXX %, and add to that my son needing constant medical attention, I feel with their unjustifiably late letter and now the imminent threat of legal action against me, my family 's financial stability is in question and it could possibly put my son at risk due to not being able to provide for him the medical care he needs. 
In one week 's time, this company has placed an undue stress upon my family with their questionable contact tactics.
Consumer complaint received 2016-08-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

After XXXX for Tenet Corporation for 15 years, I find this action appalling. I had XXXX unpaid medical bills that I was fighting with my insurance company about paying that I explained to them. I was never contacted by phone that I was being reported to the credit bureau. In the meantime, Central Financial XXXX reported me to the credit bureau for XXXX account 3 days before my home closing. I called and explained and spent 3 hours on the phone one day and another 2 hours another day trying to get it removed. This action has essentially ruined my life and these people did not seem to get it.
Consumer complaint received 2016-08-22
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WI)

I received an unsolicited call from an XXXX sounding man stating that my internet security company is now out of business and wants to refund the amount I paid. After much information was exchanged he requested that I allow him access to my computer to see what banking deposit info was needed to refund my money. After that he told me that he had input the wrong amount and he would lose his job if I did n't refund him back the extra amount he had deposited in my account. I went to the bank and had the deposit confirmed and withdrew the extra amount and sent it to him via MoneyGram which he gave me info for. He said send to country of XXXX to person named XXXX XXXX. After some second thoughts and checking with my bank I found that he had transferred money from XXXX of my other accounts into the one he said he was depositing my refund to. I also then checked and found my supporting internet company was not out of business and stated I was definitely scammed. Now I am searching for a way to reclaim my money and prosecute the perpetrator, and am working with local police, MoneyGram my bank and credit card companies of which he has also fraudulently obtained money. You can request any more information you may need by e-mailing me at : XXXXXXXXXXXX or calling my phone and/or leave message at XXXX Thank You
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$7500.00}
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

I am filing this complaint because ChexSystems has demonstrated some seriously broken " investigative '' processes of consumer initiated disputes. ChexSystems does not follow a well articulated investigative process, but instead launch " re-investigations '' on their own accord without the consumers request, that yield differing results than prior investigations. They refuse to provide information to consumers that substantiate the outcome of their investigations. Sadly, Chex also adds inaccurate information to consumer files at the whim of their broken administrative processes. 

ChexSystems absolves themselves of any responsibility for the accuracy of information contained in their systems, but instead casts responsibility to their customers, and forces the consumer to address problems directly with ChexSystems customers, unless providing a police report. Unfortunately some police agencies do n't issue " police reports '' when a crime has not been clearly consummated. In some cases a consumer may want to guard against the release of accurate consumer information to prevent perpetuating additional fraud. 

Having gone through investigations with XXXX other Credit Reporting Agencies over the same set of fraudulent inquiries without a " police report '', ALL of the interactions with other Credit Reporting Agencies were consumer friendly, were well defined, were conducted in a professional manner without putting personal information at risk, did not require " re-investigations '', and resulted in the complete removal of all fraudulent and inaccurate information in my consumer file at their firms. 

Details of the interactions with ChexSystems are contained in the attached file. ChexSystems does not provide direct contact information to a consumer to consult directly with a ChexSystems employee. Every communication sent from ChexSystems is sent to the consumer anonymously.
Consumer complaint received 2016-08-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE (AL)

I began corresponding with Charles Schwab two weeks ago about accessing a little over {$4400.00} that has long been sitting dormant in a Charles Schwab account my grandmother opened for me several years ago. I was told I needed to fax XXXX signed documents to Charles Schwab in order to lift the restrictions on the account. I sent the forms, but Charles Schwab could not locate them when I later called. At some point after our first few days of correspondence, however, I was able to access the online account, but my assets were frozen and I could not transfer them. I called back and was told that one of the forms ( the XXXX XXXX had been located, but could not be processed until the other form ( Schwab Custodial Beneficiary Conversion Application ) came through. I was also told I could submit that form through the message center. After submitting that form, I was told I also needed to submit another XXXX because the original XXXX was not dated. After submitting both a revised and dated XXXX and another Custodial Beneficiary Conversion Application, I was told I needed to resubmit the forms because they were signed using an electronic signature, which is apparently insufficient for Schwab. I was not told this until after I had submitted the form. I am leaving out several details I do not remember - this process has gone on for two weeks and taken a considerable amount of my spare time. I have not documented my phone calls because, with each call, I have hoped that this situation would be resolved only to be later disappointed. Each delay has represented at least an additional day of waiting to see if my situation could be resolved. At one point, XXXX representatives were telling me it took 24-hours for them to see if the forms had come through, at another point, they gave me contact information for the XXXX operations center which apparently knows immediately whether or not forms have come through. This whole process has been very frustrating and taken up a considerable amount of my time.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have an account with Capital One and have never been late or missed a payment. For a while I had been making the minimum payment due and I applied for a credit line increase last year and was turned down because I was only making the minimum payment due even though I had never been late or missed a payment. XX/XX/XXXX I stopped using the account so I would not be at the maximum limited and increased my payment from XXXX XXXX to XXXX. On or around XX/XX/XXXX I applied again for an increase and was denied again, this time because my average payment has been to low. I feel like they are not treating me fairly because I am a XXXX veteran and a XXXX. I have in good faith done everything that is legally required of me and I am seeking your assistance.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX has placed a report on my XXXX bureau files claiming to be the assignee of my former landlord " XXXX '' located in XXXX, AZ. they claim I owe rent from when I move during XXXX 2011. They have never produced a document claiming to be the assignee and have advised me over the phone they have no intention of suing me for they know they can not prevail. Despite this the bureaus continue to report this on my credit.
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX paid my rent on the third Wednesday of the month. XXXX XXXX on the XXXX of the month I went online to pay the rent. The manager had block the account. She had filed eviction notice. The lease was ending XXXX/XXXX/XXXX. The court agreement was I pay {$1600.00}. Later the manager did not agree. The complex want me to pay rent for XXXX, XXXX and XXXX plus a breaking the lease fee of {$1700.00}. They also want me to pay {$660.00} for a window. The manager did fix the problem in XXXX. She got some one to soak the water up. It rain again in XXXX durning the XXXX holidays. It was raining hard, the frame came loose from the wall. The office was closed. I purchase some sealant and seal the windows. They want {$140.00} for cleaning the carpet, {$170.00} for removing some items, {$100.00} door, {$100.00} blind. None of this was mention in court. I found out in XXXX XXXX, when I received a collection letter. I could not solve the problem with the new manager. The previous manager had been fired. 
The is a pending lawsuit in State Court in XXXX, Ga. The apartment complex was served on XXXX/XXXX/XXXX. They have not respond.
Consumer complaint received 2016-08-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WA)

Hi, In XXXX XXXX, I opened Wells Fargo Bank Account along with Wells Fargo SEP-IRA Account. They offered XXXX free trades per year if we maintained a balance of XXXX or more each year. They called it PMA Package. Not all accounts get this benefit, only PMA linked accounts get this benefit. Everything was going well until 2 months ago. Around XXXX XXXX, I received a letter saying my brokerage was not linked to the PMA Package anymore and if I do not take action in the next 30 days, I will be losing the privileges associated to PMA Package. I called the Wells Fargo Customer Service. I was transferred to XXXX different teams, from customer service to premier banking team to Online banking team to PMA team. All XXXX teams told that everything looked good and they were not sure why I received that letter. One person said my account was dormant and that could be the reason why I received this letter. She re-activated my account and said, I am good for now. On XXXX XXXX, I received another letter saying I lost my PMA privilege and my account was converted to an Everyday Account. 
I called Wells Fargo again and they said there is nothing they could do. PMA Privilege is a grand-fathered account and they can not assign us to that account anymore. I asked them, that I called a month ago and talked to XXXX different people. He also admitted that they had notes that I called in XXXX XXXX but he says, he wasnt sure why the issue was not addressed and there is nothing he could do now. 
He said my account was delinked to PMA Package. I asked him, what went different, why did it work for the last 6 years and what happened suddenly and he says, he does not have visibility into that. 
I usually use the XXXX free trades, which translates to about {$900.00} worth of benefit me every year. I hold high IRA balances with them I feel that they are conducting a fraudulent practice. They send a letter that they are deactivating our PMA package if no action is taken, we call them duly on time and they say everything is looking good and we received the letter by accident and a month later, they really take away our privileges
Consumer complaint received 2016-08-22
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (CT)

I filed a dispute with American express serve prepaid. after not receiving the provisional credit that was promised of the unauthorized charge of {$600.00}, with 10 days, I called their customer service. The rep told me that she would email a supervisor do that the credit could be issued. 3 days later, I went to withdraw funds and was unsuccessful. I called CS and they states that I violated terms and condition and my account was now closed. The dispute was declined which caused the account to be shut down. I received correspondance via email that I had a right as a consumer to know why my dispute was declined. CS told me that it was internal info and they could n't tell me anything. I contacted the merchant and they advised that they were never contacted in regards to my dispute. I also have a police report to support the claim of {$600.00} that I initially filed. They NEVER investigated my claim. They simply XXXX my account down. They told me not to worry and I would be recieving the rest of my money via usps 7-10 days. It is now day 13 business days and I have n't received my XXXX that was in the account. This is a major inconvenience and definitely a scam. If you file a claim over {$400.00}, they will not send you a replacement card and they will not investigate the claim.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

The monthly payment for my mortgage suddenly increased dramatically ; making it impossible for me to keep making payments. The lender has not given me the chance to fix the default on my mortgage. It is like the bank rathers foreclose my home than pay my loan.
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

This business was contacting me regarding an old debt from capital one. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got capital one to delete it. Now in XXXX they reported to all XXXX credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.
Consumer complaint received 2016-08-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NM)

XX/XX/XXXX while, in Attendance at College in XXXX, New Mexico that is, As, a XXXX.. Chase Bank and the Social Security Payment Center in XXXX could not. agree upon a Finalized Date for my XXXX Pay. This Date Signified of XX/XX/XXXX was already Extended ( 90 ) Days on ( 90 ) Days that, Extended for another ( 90 ) Days. I did not. Receive my Monies to Return to College the Next Semester in New Mexico as, there was Cause for Force in Living in XXXX where as, Chase Bank and XXXX XXXX Apartments frauded me of $ XXXX- {$4000.00} Dollars then, {$10000.00} Addtional Dollars in Public Collections as well as, {$1400.00} in Collections with XXXX . 

Accounts with Chase Bank were Left Open in Suspicious Fraud and Identity Theft after, Numerous Requests for ( 2 ) years to Close " All Accounts '' ( XX/XX/XXXX,XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2016-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

We purchased our home with an appraised value of {$310000.00} and took a mortgage of approx. {$250000.00}. ( current balance of $ XXXX ). We have been trying for almost a year to get Loancare to remove the PMI being charged each month, based on the fact that we have greater than 20 % equity in the home and they refuse to do so. When I log into my account details at their website they show a $ XXXX value and a $ XXXX balance which clearly shows our equity yet we keep getting the run-around without results. Our homes value is currently $ XXXX and we want the PMI removed!
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PRS collection agency purchased my debt from XXXX. My debt with XXXX was resolved with a settlement years ago between XX/XX/XXXX and XX/XX/XXXX. PRS purchased my debt from XXXX XX/XX/XXXX which they are calling me on my cell phone and my relatives regarding a debt I do not owe. Not to mention the statue of limitations on this debt has expired. So they are illegally collecting on debt that is unrecoverable. I have called them, and I filed a complaint with XXXX and they still contact me and my relatives. Before I take legal action I would like to make one final attempt by contacting your office. If you can recommend an attorney I would greatly appreciate it.
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (NM)

Disputed an ( Open ) Account # XXXX that, should be of a Pay Status of a Collection/Chargeoff Since, 2010. 

The Pay Status is Listed as, Current thus, effecting my Ability to Reduce my ( # of ) Open Accounts and Reduce my Rent Cost in Order to Pay Bills. 

Limit XXXX Balance XXXX