davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I purchased a primary home at XXXX XXXX of 2013 and financing was provided by Wells Fargo. The appraiser Wells Fargo used miscalculated the property value by inflating the area. I contacted Wells Fargo underwriting person and told her about the discrepancy in the appraisal report. She told me that she can not change it and I ended up with a house that was below the appraised value and could not walk away as the property purchase agreement forced me to buy the property as Wells Fargo was willing to finance it. On my end I am now paying mortgage that is too expensive and can not sell the property as I had to pay a premium due to Wells Fargo 's error.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Automated Collection Services, Inc. (FL)

ACSI is reporting incorrect information about me to all 3 credit bureaus, as of XX/2017. On XXXX XXXX,2017 ACSI sends me a letter indicating I owe money for a student loan the following day I replied that I do not any 'student loan ' because a ) I am a XXXX XXXX XXXX b ) I have not gone to school since XXXX grade, c ) I am completely/fully retired. But they still reported me to the credit bureaus prior to contacting me first which is a violation of the Fair Credit Reporting Act. Subsequent to their illegal reporting my credit score went from a XXXX fico score to a XXXX fico score and I am currently buying a house which will directly affect my interest rate. What ACSI is illegal and they need to be hold accountable.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (IL)

On XXXX XXXX, 2017 I made a purchase at Marshalls of {$11.00}. The clerk asked me if I wanted to upgrade my current account so I said yes. It was approved and I seen the amount of {$500.00} on the receipt. ( My current account has a credit limit of {$300.00} ) so ok I thought that was my upgrade. Yesterday XXXX XXXX, 2017 I receive an invoice separate from the other one I just paid for {$11.00}. I called TJX this morning and asked to cancel that account and was told via a recording that all my accounts would be closed so of course I said no. Then I asked to speak to someone because I never received a card for this new account that I did n't even apply for. An upgrade is not a separate new account an upgrade should refer to your existing account. Why did n't they just raise my credit limit on the current account. Its easy to spend {$500.00} you do n't have. This is fraud as far as I am concerned. And, if I closed my accounts they would want the total amount owed which I do n't have.
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (AZ)

I have attached a PDF file including details surrounding my dispute. I have put many many many hours into disputing these charges. I have had not resolution, & I gave up. But, I'm asking you, the CFPB for help, because I was advised to by a person in my exact same situation, we both got ripped off by the same company, & we both had trouble getting out money back. They said they got refunded with CFPB help. Thank you.
Consumer complaint received 2017-08-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

On Tuesday, XX/XX/XXXX I was notified by US Bank that they could not approve my loan ( after receiving a prequel letter and being 2 weeks into escrow on a purchase ). They said my credit score was too low for their additional underwriting guidelines which were more conservative than FHA. I immediately secured lending from a different institution and, on Wednesday XX/XX/XXXX asked US Bank ( loan number XXXX ) to release my FHA Case number ( XXXX ) to my new lender, XXXX XXXX XXXX ( Lender ID XXXX ). I was informed my US Bank that they submitted the request to release the case and the appraisal but this still has not been completed. I am 2 weeks away from closing on my new home and US Bank is holding up my new lender from moving forward. I may have significant financial losses ( {$5000.00} ) if US Bank continues to hold up the release and transfer of my FHA Case and appraisal.
Consumer complaint received 2017-08-04
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. (TX)

XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX , MD. XXXX.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are a violation of my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (UT)

Your last response to our complaint you had stated you have not tried to collect the debt and that you have validated the debt ... XXXX and I received a notice from your agency yesterday in the mail, stating " this is an attempt to collect a debt '' Also has the information on how to pay your company and contact your company to pay the debt or make arrangements. To me this seems as if this is attempt to collect debt and you are not licensed to collect in the State of Utah. Secondly I asked that you provide us with full accounting information of the debt, supposed signature from XXXX and myself, full proof and validationof this debt. You mailed us the attempt letter with the copy of the judgement paper. This is not  validatingthat this debt is ours. I am going to ask that you either 1 delete this from our credit reports or 2 send us TRUE and VALID debt validation with all accounting information, application information, signatures, and  proof. Thanks,
Consumer complaint received 2017-08-04
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. (TX)

I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This debt is from XX/XX/XXXX. I paid this long time ago but the creditor and the collection agency said they have no record of it. Regardless of that fact, I was told in XX/XX/XXXX, when I was buying a house that there was a debt. I told them I had no recollection of it and disputed it. 4 months later they sent a copy of the last bill from the creditor. This is not proof I owe it. Statutes of limitations is 4 years for a written contract and 2 years for a verbal. They are well beyond this for collections. Also, they have 30 days to prove I owe this debt after disputing it. They took 4 months to send me an irrelevant copy of a statement. I do not owe this debt. They also had a lien on my credit report that said I owed {$1400.00} but when I went to pay it, they bumped it up to {$1900.00}. I had no choice but to pay it or my house loan would not close. To this day they refuse to send me a satisfaction of judgment or anything that says I paid it.
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I received a loan through navient in 2015 XXXX university chose this lender without giving me the option or any information about interest rates or payment plans, and then informed me i would receive XXXX through navient and the remaining costs would be tacked onto my parents loans. 6 months later navient said I only had XXXX in loans through them and I owed XXXX XXXX. They are currently both in class action law suits
Consumer complaint received 2017-08-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management (TX)

FOX COLLECTION CENTER IS A COMPANY THAT I HAVE NEVER CONDUCTED BUSINESS WITH. THEY ARE REPORTING THAT I OWE MEDICAL BILLS TO THEM. MY MEDICAL BILLS HAVE BEEN PAID BY THE UNITED STATES GOVERNMENT FOR MY MILITARY SERVICE SINCE XXXX 1975. THE ORIGINAL CREDITOR SHOULD BE IDENTIFIED AND THE DATE OF SERVICE SHOULD BE CHECKED AND VERIFIED AND SENT TO MEDICARE, DEPARTMENT OF VETERAN AFFAIRS AND OR DIRECT BILL.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

-On   XXXX   XXXX  , 2017 I paid all of my accounts with USAA in full.
-On XX/XX/XXXX  I confirmed that all of my accounts were paid off in full and found I still owed  XXXX  on my account -On  XX/XX/XXXX  I sent in a payment of {$27.00} in order to pay off my Master Card account in full. I confirmed with USAA that the account was paid off in full.
-On  XX/XX/XXXX  USAA assigned a charge to a  XXXX  for   XXXX  . I called them and asked them to remove it as the card had been paid in full. Over the course of the next week I talked to multiple managers at USAA and they refused to remove it. I specifically requested they examine all my accounts with USAA to ensure I was paid in full. I told them I would write a complaint to the CFPB in regard to this.
-On  XX/XX/XXXX  USAA called to tell me they were going to waive the  XXXX . They had already done so as of   XXXX   XXXX  , 2017.
- On XX/XX/XXXX  USAA assigned a charge of {$1.00} to the Master Card I had paid off in full on XX/XX/XXXX .
This is clearly a retaliation for submitting a CFPB complaint and an attempt to get money from me for the {$8.00} they " waived '' from the other account. I have asked them to ensure all of my accounts are closed and completed prior to  XX/XX/XXXX , and they told me they were. I have paid them in full and they just keep assigning charges to me on an account that they can then assign a late fee to if it is not paid and use that account to destroy my credit rating. They have implied as much in conversations threatening to send these charges to collections.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (ME)

On X/XX/17 I paid off my PNC Bank Visa card on the phone with a representative of the company. The amount was {$3900.00}. I double checked to see that this would be the final balance, no additional funds required. I was assured this was so. I called them the next day, X/XX/17, to be assured the account was closed, free and clear and was told I had a XXXX balance. Yesterday, X/X/17 I received a bill from them for {$38.00} in interest. I called them to question this. The billing date on the statement was X/XX/17. They told me that I owed interest to them. I talked to four different people, going up the supervisory ladder, to try to get the amount removed, knowing that if I refused to pay it would affect my credit. I was told by every person responding that they could do nothing.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (TX)

I HAVE NEVER HAD AN ACCOUNT WITH MARINER FINANCE FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
Consumer complaint received 2017-08-04
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: JPMORGAN CHASE & CO. (TX)

chase let XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States charge my account i showed them proof i never received the item XXXX XXXX XXXX Manager said it 's not her problem let chase and XXXX handle it
Consumer complaint received 2017-08-04
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: Experian Information Solutions Inc. (MD)

Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called XXXX credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XX/XX/XXXX report. ( Bankruptcy dischargedXX/XX/XXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on creditreports ; and as evidenced, it had not shown up on the XX/XX/XXXX report.
At first the response from the CSRwas a type of circular and dismissive explaination, which led
nowhere. when I questioned what they were saying, they finally stated directly that I was lying.
A similar conversation ensued with Experian, as there appeares to be the same clear mistake on their report as well.
Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner.
I have to say that XXXX is the most professional to speak with of the three, but I am uncertain of 
their documentation.
Please note the following : Reposseison of vehicle XX/XX/XXXX.
Filed bankruptcy XX/XX/XXXX.
Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy.
Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues.
I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time.
Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.
Consumer complaint received 2017-08-04
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)

remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2017-08-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

2 years ago now I got a pay day loan and when it went through the company put it through twice. They have tried to charge me twice now for one payday loan and because of their mistakes that I should n't have to pay for. It was for 150 or so the collection agency has called my family and friends told them about the debt threatening them that they will be sued or go to jail. Doing the same with me I have many many voicemails saved of them trying to act like the cops and black mail money from me and my family. I have tried to settle but they are rude curse hang up on me and say I 'm being charged with check fraud. I did n't do anything wrong and I have read online about a lot hundreds of others that they have done this too for an extra buck it 's wrong and people that do n't know about fair debt collection act do n't even have a chance.
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I have 7 Direct loans totaling XXXX that I have been paying on time, under an income based repayment plan. I have been working in public service full-time since XX/XX/XXXX and qualify for PSLF. I filled out the employment verification form and my loans were transferred to Fed Loan Servicing in XX/XX/XXXX. Based on the information that they sent me they are only counting 10 payments towards my PSLF, when I have actually made 5 years worth of payments that should qualify. In XX/XX/XXXX I spoke with  employee # XXXX and asked for a correction. He said my loans would have to be reviewed, which could take a couple of months, and that they would send me updated information. It has now been over 4 months and I have n't been contacted and never received proper documentation.
Consumer complaint received 2017-08-04
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 (CA)

On X/XX/2017 I noticed a fraudulent charge on my credit card statement that was made at XXXX XXXX on XX/XX/2017 in the amount of {$47.00}. I notified my credit card company on XX/XX/2017 that this charge was fraudulent and submitted claim number XXXX. On XX/XX/17 I received a response from Bank of America that they have determined the charge was valid. I called Bank of America on XX/XX/2017 in the hopes of appealing this decision and I was told the case has been closed and can not be appealed. I did not make this transaction and am dissatisfied with the resolution of this case. Bank of America has failed to prove that I made this charge, and have not taken any action to protect my compromised account from further fraudulent activity.
Consumer complaint received 2017-08-04
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: WELLS FARGO & COMPANY (TX)

I bought a little red XXXX XXXX XXXX from XXXX on XXXX in XXXX XXXX the first year of my XXXX  career, in XX/XX/XXXX, and paid Wells Fargo for 5 years : {$360.00} per month. ****A month before the end of the loan, they arbitrarily charged me an extra {$600.00} when I applied to get the title.I knew I was being wronged! I called them repeatedly and discussed the problem with customer service. They could never explain what the fees were actually for, and could not guarentee they were valid!!!
They said these were " various fees. '' I refused to pay various fees to get the title. I went to the local branch and lodged a complaint as well.
They quickly repossessed my car -- it dissappeared!
I paid them {$360.00} for 5 years!
I was devestated. I called an attorney but he told me no one would tangle with Wells-Fargo -- I should have just coughed up whatever they wanted, even if wrong.!! My credit was dinged badly. It was 2 years before I could afford to buy a used car off XXXX. I walked everywhere. I was a single Mom, suffering from XXXX, and did not even have a car to get to my XXXX job. Because of very ill health due to XXXX, I had to leave the job anyway. This was a real turning point. It there any way you can find my records with Wells-Fargo and help me recover any damages? I see in the news that they are STILL CHARGING ARBITRARY FEES WRONGLY. Often, people will nt find out -- until they try to get the title!!!! I do not have my records anymore.I saw my car being offered on a " lemon '' website -- my car was utterly in perfect working condition! They were trying to get {$4000.00} for it. I paid {$360.00} a month for 5 years -- and would have happily used the same car for 5 more years! What a mess! And what a nasty thing to do to a vet!!! Personal information -- -do not publish this part below -- -- XXXX XXXX . XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX SS # XXXX DOB XX/XX/XXXX
Consumer complaint received 2017-08-04
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 IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR MEDICAL SERVICES.  ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. XXXX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY ME.