davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (GA)

I used XXXX XXXX XXXX XXXX to obtain a loan for a XXXX XXXX inXX/XX/XXXX. I started receiving calls from collections because they said I did not pay the correct amount. I have always paid on time and was confused. I went in and out of the bank trying to find what was wrong. Finally XXXX  XXXX a Banker for Wells Fargo took the time to investigate thoroughly and found that Wells Fargo Dealer Services has been charging me for insurance. Although on many occasions my XXXX XXXX Broker has faxed the proof of insurance they were still charging me. In order to end this matter against my judgement at the advice of the Banker I agreed to pay XXXX for the months that they say I owed. I received a phone call inXX/XX/XXXX that said I owed a late fee although I disagreed I paid extra fees on my XX/XX/XXXXpayment. OnXX/XX/XXXXI received a phone call from Wells Fargo Dealer Services telling me that the payment I made inXX/XX/XXXXwent toward my payment and not the fees. I explained that the teller told me that he collected the car note and fees, I have not control on how they are allocated. I was also told at this time that my payment is higher than normal because they have added insurance to my note. This is the third time this has happened and My XXXX XXXX Agent can corroborate.
Consumer complaint received 2017-08-28
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: EQUIFAX, INC. (NC)

I want the reports updated and information with this house loan and other accounts on my reports Experian / Equifax XXXX XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new XXXX on line and by the mail. i have attached paper work to as whom i, am with the XXXX credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

contacted the company to build my credit while filing a chapter XXXX bankruptcy in XXXX. I paid {$300.00} and received a credit card and worked hard at building my credit. Company closed my account without informing me of this process prior to accepting my payments and deposit. I have lost my deposit, credit with the company and my credit
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DE)

I opened an auto loan onXX/XX/XXXX with XXXX XXXX for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, Equifax, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my Equifax and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CT)

i received an alert on my XXXX & XXXX credit report that a collection was added on X/X/2017. The company Enhanced Recovery Co LLC and the amount is XXXX. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit reports immediately and be given the opportunity to dispute this alleged debt.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

XXXX XXXX Mortgage bought our mortgage from it 's own subsidiary, BSI Financial Services, which was the original lender, in late XXXX or early XXXX. Since the " change '' of the mortgage ownership, we keep getting letters from XXXX XXXX Mortgage trying to a ) create an escrow account for our property insurance -- in early XXXX, and b ) telling us that they need information about our insurance to be updated. 
In the first instance, we contacted them and were told that it was clarified that we did not put the insurance in escrow since we pay it separately. They never sent us a confirmation-this was in XXXX. The number that I called was a collection number even though we have never been in default. 
In the next instance, I contacted their website at www.imcovered.com/commercehomemortgage, where they were trying to sell me an insurance policy. 
I am very concerned that XXXX is trying to force me to pay my insurance fees through them, or force me to buy insurance from them, with thinly veiled threats that I will be defaulting on my mortgage if I do n't comply. 
I have already spent over 10 hours trying to reach these people to ensure that my account is not jeopardized and my credit is not harmed. Everytime I call them I get a different person who then gives me a different phone number to call. 
I also find this link at XXXX where the list of allegations against BSI sound similar to my experiences with them.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CT)

I was at a jewelry store ( XXXX XXXX in XXXX, CT ) in XXXX 2017 to look at engagement rings. The employee offered to check to see how much credit I would qualify for as it was 13 months of 0 % interest. I agreed to get it checked. They came back with a $ XXXX limit. I said i did not want to open a card at that time as I was still looking at different stores and ring options. Later that month I get a notification that a card has been opened with a $ XXXX limit. 

I called the store and they would not help and said I should contact Wells Fargo who is the " servicer ''. I called them and they opened a ticket to look into the situation. Nothing came of this investigation and they kept the card open.
Consumer complaint received 2015-11-26
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (NJ)

i make a emergency loan with titlemax to try to save my house in the amount of XXXX that is already pay, plus over XXXX on interest and they keeping calling me to take my truck away, i only recive harrasing calls from them and a tow truck around my house everyday-i aply online for a title loan in nj and they aprove but send me to delaware. i find out that title loans are ilegal in nj
Consumer complaint received 2018-04-17
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: CITIBANK, N.A. (OH)

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WI)

I have had a checking account with chase bank for years. I 've always been told by their staff and even on recorded lines that if your account is overdrawn you have 24 hour of the transaction to bring the account back in good standing before you 're assessed an overdraft fee. I even have notifications provided by chase bank that notify me the account is overdrawn so that a deposit can be made. Recently, two automatic draft that are processed from my debit card were drafted and immediately assessed an overdraft fee. These two charges happened on the same day. I was never given the chance to cure my account. I 've now been told by their customer service department they do n't have the ability to override the system to reverse the fees because of a limit I 've exceeded. Where the fees were returned classified as a courtesy instead of rightfully as a " bank error ''. I 'm exhausted with the " run-around '' and newly found policies that chase bank all of sudden brings to light when I have something like this happen. I need help getting my account reconciled so that I can leave this financial institution and not have to pay the bank my weight in fees to do so.
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

To whom  it may concern, I have requested a loan modification from Wells Fargo, they are reviewing me for a loan modification. I have provided 6 we eks paystubs, showed proof of occupancy and now they are asking me to provide a last pay check from companies that I had worked in  XXXX   2017 , even though I have a new job that started  XXXX / XXXX /   17  and provided paystubs.   XXXX  I have asked my old company, but have not heard anything yet. I 'm concern, because what I made last year or a few months ago should not be considered in my request for a modification. I believe that they are trying to ask me for something that they have not asked others for.   XXXX  I have spent a lot of money jumping through their hoops and lost plenty of sleep. The only reason they stopped the sale of my home was because I finally spoke to someone in their office that was very helpful. I over knighted a package to their office, but they could not find the documents or the person who signed for them.   XXXX  Thank you
Consumer complaint received 2017-07-06
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: EQUIFAX, INC. (SC)

Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTION. 73 AmJur 2nd, Section 90. 3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT! Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.
Consumer complaint received 2017-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

PayPal closed my account in XXXX 2017, but releases to release my incorporation 's funds. They are holding ~ {$220000.00} USD of mine for the past 5 months, and they are making us wait another month or so for the release of these funds. I had to get a loan to pay taxes because PayPal would n't release our funds. <P/>I 've tried contacting PayPal about it shortly after, but they said that my company is a 'money service business ' when we just sell gaming products and they say to email XXXX and they only give me automated messages when I inquire about it. Note that I 've used PayPal for a few years and processed over $ XXXX USD with them - this account closure was quite unexpected, and the 6 months funds holding is even more unreasonable. <P/>I 'm hoping this can be solved asap.
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc (CO)

On XX/XX/XXXX got my XXXX report stating I have an unpaid dept for {$440.00}. 
I contacted United Consumer XXXX. XXXX XXXX XXXX VA XXXX On XX/XX/XXXX VIA phone disputing the charge because the charge was for my adult daughter I am responsible for her debts. 

I also sent them a certified letter disputing the claim which they received on XX/XX/XXXX. 
In the letter I requested any information stating i am responsible for my daughters medical bills. 

As of this complaint I have not heard from United Consumer.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I went on to the XXXX and ordered all three credit reports from XXXX, XXXX XXXX, and Experian.
<P/>
I only received one from XXXX XXXX, which was dated as XX/XX/XXXX and file number XXXX XXXX, which contains all the same information with different collectors name on it.
This is further committing FRAUD on the part of those on the report, since all the prior loans were defaulted and non-response on validation. I wish to be compensated for the damage this XXXX XXXX slandering my reputation with non-existing accounts they created. XXXX XXXX is supposed to verify the validity of the account before they put on the credit report. I wish to be compensated by XXXX XXXX for each alleged creditor {$1000.00} which is 39 times XXXX equal to XXXX by XX/XX/XXXX, and XXXX XXXX is agreeing to pay me {$500000.00} byXX/XX/XXXX, if I do not receive the XXXX by the end of XX/XX/XXXX.
<P/>
Because of their Fraudulent report, me, my son, and my daughter had to suffer paying higher interest, and denied employment, denied credit card, and denied to a loan.
<P/>
For the XXXX, who used somebody else 's name on my request and denied report this year, I wish to receive the perfect, clean credit report from XXXX beforeXX/XX/XXXX. After this date, if the XXXX does not send me the clean, perfect credit report, XXXX is agreeing to pay me {$50000.00} dollar by the end of the XX/XX/XXXX
<P/>
For the Experian, who reported all the defaulted on validation for alleged loans, I wish to receive perfect, clean credit report byXX/XX/XXXX, if not, Experian is agreeing to pay me {$50000.00} dollar by the end of XX/XX/XXXX.
Consumer complaint received 2017-10-20
Product: Debt collection — Other 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: Valer Enterprises, Inc (NY)

XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX ny XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying XXXX had called his FIRM and retained him. I still have that tape. 

yours truly XXXX XXXX
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

It 's tried to apply countless times for a income driven payment plan but never am given that option after being told I am eligible, instead it only allows me to do a forbearance or a deferment. And I am recieving endless calls a day from the loan company or forgiveness programs asking for personal information over the phone.. saying my loans are in a income driven plan but it 's not reflecting that on the website
Consumer complaint received 2016-11-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I borrowed XXXX from Big Picture Loans ( XXXX ). I initially thought I 'd be making a monthly payment to pay it off. Then I realized I 'm being charged {$700.00} a month for this loan and my pay off date is n't even until XXXX. I am expected to pay over 8000 on a XXXX loan. This is outrages and I have no way of paying this. Then when I went to " my account '' or whatever the page is supposed to be, it shows my pay off amount as {$0.00}. And it shows my application date as being today, XX/XX/XXXX, when I initially applied in XXXX. I 've paid {$1000.00} so far and am expected to pay {$700.00} more dollars this month alone. This whole thing is incredibly wrong and I ca n't believe I am involved in such a situation. I hope these thieves are stopped ASAP! Please Help!
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

XXXX agent miss represent there service and payment fees for services and phones I bought. they stated one thing and I was charged another more money. I took XXXX to court and sued them and won. I owe them nothing and XXXX ended owing me money. Since then they keep trying to collect the money from me. they have different collection company 's try to collect money from me. each time I send them a judgment I owe XXXX nothing. That collection company will stop then another collection company will contact me. this is the fourth collection company that has harassed me now.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis (CA)

I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, XXXX and Innovis.
Consumer complaint received 2016-11-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ASTORIA BANK (NY)

In XX/XX/XXXX, my XXXX Aunt went into her Astoria Federal local branch in XXXX. She had XXXX CD 's that were maturing in XXXX. I do not know how they convinced her, but she was guided to the " investment desk '' and met with XXXX who convinced her to take XXXX CD for approximately {$12000.00} and an IRA CD worth about {$14000.00} and put them into tax deferred annuities with 7 year surrender charges! There is no justification for this " transfer '' since the annuties are not paying more than the CD 's were, and now she ca n't get at her money without a huge Surrender charge which is currently 6 %. Not only that, but they did not even wait the 1 month until the CD 's matured and it cost her roughly {$60.00} in " penalties '' for breaking the CD. Why not wait 1 month so she would not have to pay an extra {$60.00}? The answer is GREED and COMMISSIONS. 
This lady was taken advantage of, and now has financial problems not being able to access her money. Then in XXXX, she went to XXXX bank in Astoria and worked with XXXX and they took her out of an IRA annuity with XXXX paying 2.75 % and put her into an immediate payout annuity with Principal that is paying a 1.8 % interest rate. On the Regulation 60 paperwork, they put down that the reason for the transfer was " need for income '', their reason that the XXXX contract could not satisfy the need was " this is a fixed annuity ''. Well a fixed annuity can be annuitized to satisfy the income need, and since it was an older contract, likely would pay out at a higher rate. Again, they did this for commissions. They did not have the best interest of the client in mind. Also in the suitability section of the application they put her investment time horizon as " more than 10 years ''. What XXXX has that investment time horizon? 
This is a horrible example of banks taking advantage of senior citizens.
Consumer complaint received 2016-11-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: D2 Management LLC (TX)

i recieved a call XXXX trying to collect from an XXXX account. d2 management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XXXX/XXXX/16 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against d2 management and she stated that she will be putting me on a do not call list!!!!
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.