davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: Resurgent Capital Services L.P. (FL)

I have been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to XXXX 's misuse of their dispute practices. Previously, I disputed accounts from XXXXXXXX XXXX XXXX LVNV Funding,  and XXXX XXXX XXXX I disputed these directly with the companies as well as with all XXXX credit reporting agencies. XXXX responded to the XXXX XXXX dispute by reporting the account " Paid in Full ''. XXXX responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

I purchased a home XX/XX/XXXX and took out a mortgage with a 30 year term from Wells Fargo to finance this purchase. I refinanced with another lender in XX/XX/XXXX. I recently received a refund from my Wells Fargo Escrow account in the amount of {$150.00}. I believe I am due much more than this amount as explained below. 

Wells Fargo collected a total of {$5800.00} from me to cover my escrow account expenses. 
Below is a list of the dates and amounts of each escrow payment I made to Wells Fargo. 
XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXXWells Fargo escrow payments on my behalf XXXX {$1400.00} - XXXX and XXXX {$1400.00} XXXX XXXX Tax XXXX {$1100.00} - XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX and HomeThe payment of {$1400.00} to XXXX XXXX on XX/XX/XXXX should not have been made. I switched insurance carriers from XXXX XXXX to XXXX XXXX XX/XX/XXXX and notified Wells Fargo of that. Wells Fargo paid my XXXX XXXX premium of {$1100.00} on XX/XX/XXXX but also paid XXXX XXXX {$1400.00} six days later and apparently expects me to cover this payment. Total legitimate Wells Fargo expenses were {$4000.00}. My escrow overpayment was {$1800.00} which I 'm requesting Wells Fargo refund to me. 

When I refinanced the mortgage XX/XX/XXXX the total loan amount I owed to Wells Fargo was {$110000.00}. The payoff total they supplied to my new mortgage company was {$120000.00}. This resulted in an over payment of {$1200.00} to Wells Fargo which I 'm requesting Wells Fargo refund to me. 

The total amount due me is {$1800.00} Escrow Payments {$1200.00} Final loan payout $ XXXX {$150.00} = {$2900.00}. 

I 've attached the following:1. My XX/XX/XXXX mortgage statement from Wells Fargo showing the remaining amount due of {$110000.00}. My HUD Settlement statement showing a payment of {$120000.00} to Wells Fargo. 
3. A Wells Fargo Account Activity statement detailing the same payment. 
4. The Final escrow account disclosure from Wells Fargo.
Consumer complaint received 2023-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NC)

On XXXX the XXXX, I received the attached letter demanding money. The demand letter was from Revco Solutions , Inc. The demand letter was requesting {$680.00} which is incorrect, and I dispute it in its entirety. 

The demand letter states that it is for an account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After spending the better part of an hour and a half on the phone with the above company, they were unable to find any account with my Name, DOB OR SS #. 

This letter demanding money does not belong to me, it is bogus and is fraudulent because, someone else went to this facility and received service/care in my name. 

In the interest of consumer focus, I am requesting that Revco Solutions , Inc suspend their collection efforts and close their file. Furthermore, per their contractual requirements, I am demanding that they close this account and return it to their client for further review. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My wife and I filed for and received a Chapter XXXX Bankruptcy Discharge XX/XX/XXXX. We moved across town shortly after that and because we moved we fond it impossible to get in contact with Transunion, XXXX and XXXX credit reporting companies for our free credit reports as entitled under the law. After XXXX moths passed we found where someone published the credit reporting names and addresses. We notified the credit reporting companies that they were still reporting balances owed on accounts that were included in the bankruptcy. The credit reporting companies and the account owners were properly and legally notified of the Bankruptcy filing and discharge. In the husbands credit report Transunion refuses to remove or correct the negative information by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, XXXX that was included in the Bankruptcy Discharge. Also in the husbands report XXXX refuses to remove or correct the negative information the negative information by XXXX XXXX XXXX. In the wife 's credit report XXXX refuses to remove or correct the negative information by XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX. Both the wife and husband wrote letters to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX dated XX/XX/XXXX challenging the credit reports we both received on XX/XX/XXXX. To date XXXX has failed to respond to the letters we wrote clearly advising them of all disputes for all of the falsely reported items including all items that were Discharged in the XX/XX/XXXX Bankruptcy. XXXX instructions on their credit report dated XX/XX/XXXX clearly instructed us to mail disputes to the afore named address. We have a large number of supporting documents that we can provide if necessary. Its clear to us that both the credit reporting companies and the creditors have little to no regard for the laws. Our attorney properly and legally notified the credit reporting companies and the creditors of the filing and discharge of our Bankruptcy. Because of the illegal negative information reported in our names we have been both denied credit and or the credit we received was at a higher interest rate than it would have been if the credit reports would of been correct under the law. The law requires the creditors to either remove negative information or show a zero balance and a statement included in Bankruptcy. We ask that you investigate to see why the credit reporting companies and creditors did n't follow the laws for reporting after a Bankruptcy Discharge, investigate why the afore named creditors even after being notified by us reused to correct the negative reported items, investigate why the credit reporting companies make it impossible to contact them in writing, investigate why when we paid for the credit reports last year the reporting companies either failed to allow us to receive our reports because we moved or provided only partial reports that did not provide us enough information to challenge the reports.
Consumer complaint received 2015-04-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: POPULAR BANK (DE)

I tried several times to change my loan 's direct payment from the Popular Community Bank account that I could no longer deposit money to because I moved out of the state of XXXX where they are located, to a new bank account I opened in XXXX Bank. After a XXXX of unsuccessful attempts following the different directions a got from PCB 's personnel, I started receiving several calls a day from different phone numbers. Most of the time they called during the day when I 'm at work unable to pick up my cellphone. Then, a couple of days after that, they started calling my boyfriend, his dad, his grandmother and some roommate I had a year ago when I lived in XXXX. The calls got consistently annoying to me, and everyone else they called. I already paid the debt through the phone, and there is no payment due that is late, but they keep calling.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington reported to credit that my account was closed and they removed my access to that account and today I received a letter stating my account was 54 days past due dated for XX/XX/23 today being the XXXX would make 57 days. They are supposed to close within 60 days of account being overdrawn and did so close it early and also removed all of my savings from my account to apply toward that account
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

There are several bankruptcy on my credit however This is impossible I filed a XXXX XXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every XXXX  years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX  XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act has violated 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine
Consumer complaint received 2015-05-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (NJ)

I applied for a Affordable Modification Program on XXXX XXXX / XXXX my Mortgage XXXX named : U.S. Home Mortgage Bank ( my Relationship Manager is, XXXX XXXX ). I have placed severalcalls to get my status to find out that it is still in Gate Keeping. I amconfused of how long this process is taking ( approaching four months ) as I have been told it has not reached the Underwriting department. 
I need assistance with who ever is in control to investigate to find outwhy this process is taking so long. My reason for applying for thisModification is due to loss of job and finding new employment witha much lower salary then what I was making when I XXXX took out theloan. This is a Hardship on me to carry all of my financial obligationsand make my high mortgage payment on time. Clearly, if they reviewall of my financial statements that I included it will prove that my salaryis much lower. Please Note : Each time there has been a request fornew documents, I have submitted them immediately in hope to movethis process along. Please put me in touch with someone that canassist me in this critical request for financial relief.
Consumer complaint received 2015-06-18
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (PA)

We have a loan with ally auto. We have missed XXXX payments due to some unfortunate events. I called them and made payment arrangements I paid XXXX last week and XXXX next week on XXXX XXXX 2015. They accepted and said the calls would stop. During that phone call the lady stated that ally can reposes the car without sending a letter or informing us because they already sent a letter XXXX. So the lady stated the calls would stop. Made the XXXX payment and next week as i stated the rest of the payment ally keeps callings us nonstop XXXX times a day or more. We tell them we made an arrangement ally says they want payment now. They keep calling and harassing and saying they want the payment now when I have an arrangement that is notated.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I began my relationship with Citibank, and was approved for a Premier Mastercard. On XX/XX/XXXX, I expanded this relationship by opening a AAdvantage Platinum Select Mastercard. On XX/XX/XXXX I opened a Citibusiness Aadvantage Platinum Select Mastercard as well. 

On XX/XX/XXXX, while calling regarding a declined transaction at a grocery store on my Citi Premier, instead of unblocking the fraud lock on my card, Citibank closed both my AAdvantage Mastercard  and my Premier Mastercard in real time while on the phone. I was told that the decision is final and they can not be reopened. 

I feel that this decision is unfair. I used the card responsibly and always paid my bill on time, well before the due date. Furthermore, if their was something that they didn't like, why didn't they just warn me? Instead of taking the impulsive decision to close my credit cards. I've attached my credit karma report, showing the details of both accounts.
Consumer complaint received 2023-02-17
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: SYNCHRONY FINANCIAL (PA)

I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with XXXX XXXX, and credit card accounts from XXXX  XXXX XXXX, Synchrony Bank, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.
Consumer complaint received 2015-06-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I purchased a gym membership with XXXX XXXX in XX/XX/XXXX. The gym went out of business on or around XX/XX/XXXX without any notice. The gym reopened under a completely different name ( XXXX ) and ownership. XXXX XXXX charges a monthly membership of {$20.00} per member per month.. I requested to dispute the charge for the remaining gym membership worth {$520.00} and XXXX training sessions worth {$180.00}. I received a call from Wells Fargo dispute department last week advising my dispute was denied by VISA because the gym services are available at the same location and because XXXX XXXX reopened the location and agreed to honor my previous gym membership. As a consumer I do n't think I should be forced to belong to a gym that I did not sign up with.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (WA)

I 've sent over XXXX different dispute letters to Experian, and while all the other Credit Bureaus have removed the items from my credit report, Experian refuses to even respond to my dispute letters ( which means every account I disputed should come off XXXX. On top of that, I 've called some of the accounts that are still reporting to Experian, and they told me that they 've already requested that Experian delete them ... But Experian does n't do it. 
Please be clear, I am not asking for Experian to now start the disputes on these accounts, I 'm requesting they be deleted, immediately. 
Accounts:1 ) XXXX XXXX - Paid before it went to collections - Deleted from XXXX XXXX2 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX3 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX4 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX5 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

I am inquiring about XXXX and XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Consumer complaint received 2023-02-17
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: Paypal Holdings, Inc (CA)

I made a purchase throug Paypal on XX/XX/23 XXXX  using papal credit for {$400.00} The actual seller 's email is unavailable to contact, I contacted his partner - XXXX, by text and phone XXXX, he supposed to provide me the tracking # on XXXX, XXXX  and supposed to deliver priority mail 2-3 days, but he gave me a tracking number XXXX, which was incorrect number, next day I contacted to get the tracking number and today on XX/XX/23 XXXX, when I supposed to get my order he texted me at XXXX XXXX  asking me to wait XXXX minutes for correct #. Now is XXXX still waiting. I texted several times, no response. PayPal is moving so slow, when it is obvious that I will get nothing and start paying him his credit with high percentage.
Consumer complaint received 2023-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accscient, LLC (AL)

I sent a debt validation letter twice XXXX XXXX and they responded with an invoice of charges and on XX/XX/2022 a failure to validate letter was sent again to validate this debt and they responded by sending a letter saying this debt is irrelevant. The invoice of charges does not directly reflect that this debt belongs to me and does not reflect the requested documents I requested in order to validate this debt. Please delete this information from my credit file and cease all collection activities immediately
Consumer complaint received 2023-02-17
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX have never been address of mine. This information is not accurate. 

( XXXX ) XXXX and ( XXXX ) XXXX have never been phone numbers affiliated with me or owned by me.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I tried to log in to my Amazon Store Card Synchrony Bank and access my account but I was forced to agree to some online terms. There was nothing else clickable on their site to continue to my account except " agree ''. Then I was locked out of my account due to " we are having technical difficulties please try again later ''. This went on for weeks. I could not access my account online at all and I needed my balance to pay the card. The account worked fine the months before. Customer service wanted my to alter my computer settings to log in and I refused. No other financial institution that I do business with does this. Finally I was allowed to know my balance and the card was paid but I still have no access to statements, fees, alerts, settings, or balances! The same issues constantly happen when I try to log in, I am forced to click " agree '' then I get the same error stating THEY are having technical difficulties not me on my end.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (CT)

This morning I was rudely woken by Unifin XXXX XXXX  I told them that after 7 years they have no right to continue to reach out to me, and the representative has the continued right and will continue to call me until it's fully resolved, they also believe that its back in XXXX, I haven't had a XXXX account since XXXX. 

Date : XXXX for XXXX  debt, but the debt is from the late XXXX, early XXXX, so the information is inaccurate. 

Amount : {$3100.00} Actions : Will continue to harrass me until satisfied.
Consumer complaint received 2023-02-17
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: AMERICAN EXPRESS COMPANY (CA)

American Express is stating they are now charging me {$4200.00} for a charge they are claiming did not go through on XX/XX/2022. The charge went through previously ; yet I can not locate it on my statement. I believe they are charging for something past when they should be able, and believe they have altered my online statement.