davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (OR)

When I asked the representative for American Express Serve what country he is in, he stated " United States ''. I do not want to give out my personal social security and date of birth to persons outside of the United States. He lied to me to get the last XXXX digits of my social security number.. When his supervisor answered the phone she, I asked her what country she is in, she started to dance around the question, then answered " XXXX ''. 
I asked the question because I do not give out my personal information to service people not in this country. 
This is fraud. 
This is fraud at the service level.
Consumer complaint received 2016-02-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Currently Wells Fargo is trying to foreclose on my home. I purchased a home from the XXXX XXXX XXXX in XXXX. I was incarcerated in XXXX of XXXX until XXXX of XXXX. A home equity loan was taken out without my permission and signed for sometime in the XX/XX/XXXX. I submitted a fraud complaint with Wells Fargo and provided proof of incarceration but somehow they still ruled against me. The home equity product is not even in my name so I can not even make an agreement with Wells Fargo. At this point I dont even understand what my options are or exactly where I go from here.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (KY)

I have requested from Esperian,, XXXX times for my report. I get the runaround, it is in the mail, next week for sure. Sent me a letter to tell me it would be within the next week. What re-coursedo I have, if it is a legal claim, bring it on.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IL)

I initiated my disputes with Equifax beginning in XXXX of XXXX. Long since, they have responded to my disputes with " item verified ''. I have asked them to send me verifiable documents or information to how they verified the accounts. I am a victim of identity thief, and it is very important to me to know " HOW '' these items have been verified. 
I have sent letters via certified mail and initiated disputes online. My final letter was sent XXXX/XXXX/XXXX asking Equifax to provide me with verifiable information that backs up their claim of the items being verified. They have not. They responded with item verified. Under FCRA section 611 ( a ) ( 7 ), once an item has been verified the consumer has every right to ask " HOW '' the item has been verified, and the credit reporting agency has 15 days to reply with the requested documents. I have not received any documents.
Consumer complaint received 2015-12-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

Bank appear to be posting pending transactions in the account of customers in a sequence that will incur a late fee for the bank. Maliciously sequencing the pending transactions. It might be a bank practice to increase bank profit. More customers might be suffering the same malicious practice. Within a few hours from the pay check being posted at Chase, the account became negative and the {$34.00} late fee was posted. It has happened in the past, time and sequencing of posting the fees started to intrigue me.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion updated my credit information from XXXX, XXXX made errors on reporting my mortgage payments documentaion was provided, however Transunion actually lowered my FICO score after receiving the updated information, none of the other bureaus did this is unfiar and biased and illegal
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit report shows late payments for a BMW I purchased in XX/XX/XXXX and sold in XX/XX/XXXX. I never made a late payment on the vehicle and elitist like to dispute this. I tried to submit a report via Transunion but never got a response.
Consumer complaint received 2015-07-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Greenback Recovery Group, LLC (TX)

I asked Greenback Recovery Group to stop calling my job, but they refuse to do so. Today, XXXX XXXX, 2015, I am sending a letter to the company with the request again. I know that I have a debt to be paid, but I asked them to stop calling my job.
Consumer complaint received 2016-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds (IN)

Last time I was in school was XX/XX/2006 I had dealt with XXXX XXXX for years before getting things paid. I also was apart of a class action lawsuit against them in which we won. So now I find out my tax return was Allocated by a company called Navient which I had to XXXX to see its a renamed XXXX XXXX basically. Now, 10 yrs after I 've been out of school and four years since I last heard from anyone from XXXX XXXX or Navient my whole tax return is taken? Last Iheard was the minimal settlement check I received from the hearing. Why is Navient trying to collect a debt that has already been dealt with? If it was n't dealt with I 'm sure it would n't have been almost 11 yrs before tax money would be allocated. Navient is doing the same thing XXXX XXXX got sued for but they do n't get monitored so they get away with this kind of stuff.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MA)

Please help I have done my best to contact Equifax about the fraudulent items on my credit report. The refuse to acknowledge my request. I need your help to have them full fill the request. I read on my local police departements website that I should speak with you if Equifax does not comply. XXXX and XXXX XXXX XXXX are accounts that have come onto my credit file as a result of identity theft. Please remove these items. I am making this complaint against Equifax because they will not help me as is required by law. 

I will attach the same items I previously sent Equifax that they blatantly ignored.
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (GA)

ERC Debt Collection agency is trying to collect on a debt that I no longer owe and they are threaten to place this debt on my credit report and is demanding I make a payment with them and I never establish a contract with this company at all, also they have been calling my work phone number and sending a bill to an address I never live at before. I feel like that is breaking the FCRA law and defaming my character.
Consumer complaint received 2015-12-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (PA)

I had a problem with someone cloned my numbers off my credit card and tried to use them in a XXXX near XXXX. I called customer service and they put me on hold the agent was laughing in the background. After calling 4 times, I was told by this fraud unit my cards will be here by 5 days. Look I have no cards nothing at all ... Just agents that were rude and disrespectful to me on the phone!
Consumer complaint received 2016-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My husband of 25 years has passed away recently. I am XXXX and mostly XXXX, and I am in XXXX and can not think clearly most of the time. For the past 3 years my husband was taking care of all our finances, so I was lead to believe, well now I find that none of our finances were being taken care of and I see where I am in default in all my loans. I do not want to lose my home and would like the opportunity to fix this issue.
Consumer complaint received 2016-02-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I co-signed a vehicle XXXX with the XXXX as my co-signer, and my car was re-possessed when I tried to get the car fixed when it was dismantled. The car was parked in XXXX and my ex-husband returned the car and made a payment of XXXX per his hearsay, and now my credit is low and I have issues with opening credit because of his Fraud and XXXX XXXX XXXX was the man who co-signed for me at Wells Fargo under the name XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-02-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was approached by a company on or about XXXX/XXXX/XXXX in reference to paying an old Payday Loan from XX/XX/XXXXThe individual spoke so fast, I did n't catch the name of the organization. When I stated that I did not have the money they were requesting, the gentleman began yelling at me and threatened to take the next step which he said was a lawsuit. The gentleman then hung up on me. 

A few days later, I received a " Civil Lawsuit - Notification '' letter dated XXXX/XXXX/XXXX from XXXX XXXX XXXX. The letter stated that I was about to be sued for a XXXX/XXXX/XXXX Payday Advance Loan from Ace Cash Express. 

On Friday, XXXX/XXXX/XXXX and on Saturday, XXXX/XXXX/XXXX, I received text messages advising me that legal action ( lawsuit ) is scheduled to be filed against me on Tuesday, XXXX XXXX. XXXX texts said to call XXXX and press XXXX " today '' to avoid this action. 

The outgoing message for the XXXX identifies the organization as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This debt is well passed the Statute of Limitations in my state and this collector is violating FTC practices.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Nationwide Intermediary Services llc (TX)

I received a call on XXXX from an unknown number. XXXX XXXX from Nationwide Intermediaries representing XXXX XXXX XXXX called me regarding a debt. They indicated that I needed to pay XXXX from an installment loan. However the original loan was no where near this amount. They indicated that they would be filing a criminal case with XXXX XXXX hot check division for XXXX counts of check fraud which is a misdermeanor. XXXX did indicate that they could not garnish my wages in the state of texas. He said he wanted to put me in touch with XXXX XXXX who was a mitigator with the lawfirm and she could arrange a payment plan. When transferred, she advised me that I needed to make arrangements with my family members and request a loan from them to pay off the debt. If it was n't paid today, they would turn me over to XXXX XXXX hot check division, this would also appear on my credit report and I would end up having to pay the XXXX anyway. She also indicated that she would also file a judgement to garnish my wages. I indicated the previous person told me that they could n't and she said he was incorrect. 

I told them I wanted to make arrangements to pay off the debt, but that I needed to call them back. She gave me her number of XXXX. I went back to work as I was on a conference call. 

not even an hour later, XXXX XXXX called me back indicating that XXXX XXXX wanted him to check on my status. I advised I was still on a conference call and he indicated that he needed to hear from me by XXXX otherwise they would send the criminal charges. I was so scared and crying at my desk. I ca n't afford to have criminal charges filed against me. So I researched if this was legal and found the following article on your website. XXXXBasically this outlined by whole situation. BUt I 'm still concerned as I do n't want criminal charges..\I have since received XXXX calls from this
Consumer complaint received 2015-06-02
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Med-1 Solutions, LLC (IN)

I was served with a notice of small claims court for a debt. I called the company and settled the debt making monthly installments for the next XXXX years. I am currently paying XXXX $ a month. I was assured that the court case would be dismissed as we settled outside of court. However, I received a Entry of Judgement notice in the mail last night. So they obviously never dismissed the case.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (AL)

I was laid off and am currently receiving unemployment. I have explained to Discover Card Services that due to my circumstance, I am unable to make the full payment, and have asked them for their help regarding a hardship payment reduction plan, and they have refused saying they can not do any better than my current interest rate of XXXX %. I have continued to make a reduced payment as to the amount that I can possibly afford, yet they continue to call and demand more from me, and have said that they will turn report this to the credit agencies. In the meantime because I am unable to make the full payment they are tacking on late fees.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CA)

This company is calling my personal number to try and reach someone else at the same address for collection purposes. I spoke with XXXX at XXXX XXXX XXXX about XXXX Pacific. The person they are trying to reach does not have my number. This is a hunting addition on their part.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I paid XXXX and case has been closed however, negative mark still remains on my credit report. I asked XXXX if they would delete mark after payment however said the could n't and it would be up to the credit bureau if they wanted to delete. I disputed this with Equifax however, they did not delete.
Consumer complaint received 2015-12-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like to make this complaint against XXXX XXXX XXXX and my investor of my loan. Loan Modification policies that discriminately disallows the bank 's service provider, XXXX XXXX XXXX, to approve a loan modification that is authorized under the Hamp or Harp Program by Mr Obama for underwater homeowners. On two occasions, XX/XX/XXXX and XX/XX/XXXX, XXXX in accordance with Deutsche 's discretionary policies contrary to existing XXXX authority has denied our loan modification applications, despite proven severe decline in our home value and documented severe decline in our household income due to XXXX XXXX 's XXXX status. The basis for the denial is " The owner of your loan has very specific, technical guidelines for participating in the government 's FED programs and your loan falls outside of the requirements. Because our loan is not backed by XXXX or XXXX XXXX, my Wife and I have lost the opportunity to take advantage of refinancing or modifying through XXXX and are subject to the discriminatory policy of Deutsch Bank National Trust Company as Trustee on Behalf of XXXX XXXX XXXX XXXX Mortgage Pass- Through Certificates, Series XXXX. Because of the legal maze of ownership, we are unable to speak directly with anyone within the bank that actually owns our loan regarding our personal situation. XXXX just released contact information for the bank. It is a vicious cycle designed to disable the customer. Under any peer bank standards, our circumstances more than qualifies for a loan modification. However, because we are behind on our mortgage payment, we are requesting help. Our families gross financial hardships in other areas of our household, XXXX is not authorized to help and is acting under Deutsche 's " technical guidelines '' keeps our family economically strapped and oppressed. I would also like to add to this complaint that DBNTC in XXXX XXXX CA office is showing a lease sign, and is s subject of a new movie called XXXX. They still may be under investigation by the DOJ, and may be shutdown. I also would like to add that XXXX may be the primary investor, not sure due to the letter that B of A sent me has DBNTC the Trustee working on behalf of XXXX.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

I asked for full investigation including verifying all information which they did not do. Date Opened is not correct, where is the proof. The last activity date of XXXX 2013 is incorrect, the last payment was XXXX 2013. FCRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Consumer complaint received 2015-11-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CA)

Our complain is about new Discover bank Online Saving account - we received the proposal from them by mail for opening this new account, XX/XX/2015. We accepted and opened this new account with confidence since we have, for years, good relationships with Discover Card and Discover Bank. We have with Discover bank : Regular CD- joint ownership by myself, XXXX XXXX and my husband XXXX XXXX ; and IRA Jumbo CD of XXXX XXXX . 
For new Discover Online saving account we transferred money from our regular bank, XXXX XXXX XXXX, with no trouble. 
At this time, we were able to access the new account. The trouble started when we startedtransfer some amount back to Peoples bank, on XX/XX/XXXX. One of customer service members mentioned that transfer of certain amounts could cause the problem, but NOexplanations on rules and limitations were given then and up to now. 
This transfer was completed, and transfer back to Discover was successful too on XX/XX/XXXX. 
Last time I could see the account, with Customer service long help, on XX/XX/XXXX, not on XX/XX/XXXX. 
I was told back in apx XX/XX/XXXX, that a special team is working on our problem and will call us. 
We never heared from them. 
Please, advice what else can we do, thanks, XXXX XXXX & XXXX XXXX email : XXXXXXXXXXXX tel XXXXSince that time, the problem is not resolved or explained. 



The problem with new account on line that EVERY time the previous password is not accepted, we have to create a new one with help of their Customer Service person whichtakes a lot of time and nerve every time. 
This trouble started when we transferred some money to our regular bank,
Consumer complaint received 2016-01-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (WA)

The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such.
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (UT)

Chase has illegally re-aged debts it is reporting on my credit report to add 2 years to the period of time it will remain on my credit report. It has reported the late payments as closer to the present so that the damage to my score is maximized. I disputed these items with the credit bureaus, with Chase, and through additional correspondence. There is no valid excuse for these entries to be incorrectly reported. I want the XXXX student loan entries deleted. Chase also reports a credit card. I have no confidence that this is reported correctly and would like this entry deleted as well. Please see the attached documents.