davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (IL)

On more than a half dozen occasions, Wells Fargo has charged me late fees for payments made on time. My payment is due on the XXXX of each month. This past month, my bill was in the amount of {$250.00} and was due on XXXX/XXXX/16. Wells Fargo mails the monthly invoices sometime between the XXXX and the XXXX of the month. For the bill due XXXX/XXXX/16, they mailed the invoice on XXXX/XXXX/16. I paid my bill by automatic payment on XXXX/XXXX/16. Because it arrived before they mailed the invoice, they did not credit it to the XXXX/XXXX/16 and charged me a late fee. Essentially, they have created a variable period within each billing cycle where I can not make a payment. In this past month 's case, any payment made between XXXX/XXXX/16 ( the day the XXXX invoice was due, and was paid in full ) and XXXX/XXXX/16 ( the day after they mailed the invoice ) would float in the ether and not be credited towards the invoice due for that billing period. This has happened over and over and over. SEE CFPB Case number : XXXX from last month. I have filed several XXXX complaints and each time Wells Fargo reverses the payment. It requires constant vigilance. I can not believe other consumers are not being hit with these fees too.
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOVERY is reporting XXXX debt collection accounts on my credit report. I have disputed the account. PORTFOLIO RECOVERY has signed verification of certified mail dispute on XXXX/XXXX/2016. 

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/2016. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have written Transunion several times via U.S certified mail and called. They have not corrected the incorrect information on my credit report. I am a victim of fraud ; I have advised Transunion of that, they did place a fraud alert on my credit report but failed to investigate the claims I submitted to them about unauthorized inquires. I have XXXX credit do and to contact Transunion. Transunion reported the inquiries and have no proof that I authorized my credit to be ran and the companies that Transunion is reporting are saying they have no record of me in their system or applying for any credit. They refuse to delete inquiries that have been placed on my credit report by Transunion, even some that have been ran serval times in the same day by the same company. Transunion advised me to contact the companies. I have contacted each company and they all say, I have no account with them so there is no record of me in the system so there is nothing they can these inquires that are harming my credit.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion and XXXX refuse to list my existing mortgage on my credit report. They originally had the mortgage listed but was reporting inaccurate information. When I disputed the inaccurate information they simply dropped the account from my credit report. This mortgage has been in my name since XXXX when I purchased my home. I went through a Chapter XXXX bankruptcy in XXXX XXXX and it was successfully discharged in XXXX XXXX. Instead of XXXX and Transunion showing my account as current after the bankruptcy they simply removed it from my credit file. I have been paying my account timely for the past 12 month and unfortunately it is not reflecting this on my XXXX and Transunion credit file. Technically, I have been paying my account timely for the past 6 years because during the bankruptcy, the Chapter XXXX Trustee was responsible for all payments for my mortgage. XXXX is the only credit bureau who is properly reporting my mortgage account and as such I have a much higher credit score with XXXX. I have contacted both XXXX and Transunion via phone and via letter and they still refuse to add my mortgage back to my credit files. Transunion told me that my Mortgage company must send them a request to add my mortgage back to my account. An XXXX representative stated they were unable to add the account back to my credit report stating that would not be fair to me based on 7-year time-limitation of some sorts. I contacted my Mortgage company who sent letters directly to XXXX and Transunion ( twice ) telling them to list my account on my credit reports and show it as current. Unfortunately, they are not cooperating. I will give a lot of respect to XXXX for properly working with me to get this resolved after such a difficult time in my life. I still have another 20 years or so to pay on this mortgage so its unjust for Transunion and XXXX to not list my mortgage as a valid account. Please help me get my Mortgage listed back on my credit reports. 
Thank you and Have a Blessed Day!!! 
XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (NC)

I switched auto insurance companies from XXXX to XXXX. When I switched to XXXX, I was asked if I wanted to have XXXX cancel my auto insurance with XXXX for me. Since that seemed like a seamless option, I opted in to have XXXX cancel my insurance with XXXX for me immediately on XX/XX/year>. I signed the required documents & XXXX was supposed to be responsible for the rest. XXXX confirms they contacted XXXX by mail but XXXX says otherwise. If XXXX wasn't able to cancel my insurance, then that shouldn't have been offered as an option to me as it seems deceptive. Now XXXX is charging me for an additional month of insurance when I already had an active insurance policy with XXXX. I did everything correctly as a consumer, but both of these companies have failed me.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

On XX/XX/year>, I contacted Credit Collection Service regarding a debt that was reported on my credit report. In this communication, I formally requested verification of the debt, including the identification of the original creditor. As a victim of identity theft, I have serious concerns about the accuracy and legitimacy of this account and require detailed information to verify its validity. 
Specifically, I requested : Accuracy and Fairness : A comprehensive review and verification of all information furnished to or by your company regarding this account. I need to verify or contest the accuracy and completeness of the handling of my consumer report and ensure the information provided meets the standards of the Fair Credit Reporting Act ( FCRA ). 
Transaction and Payment History : A complete and detailed transaction history, including payment records and any investigation details pertaining to this account. This information is necessary for legal purposes, as well as for me to conduct my own due diligence in verifying the investigation and its findings. 
Notification of Adverse Actions : I request notification before any adverse actions are taken that could impact my consumer report, including any decisions made by your company as a result of this account. 
Contract or Agreement Bearing Signature : A copy of any alleged contract or agreement bearing my actual, handwritten signature ( not a copy ) as evidence of my consent to this debt. Despite my request, this document has not been provided. 
I have filed an identity theft report with the Federal Trade Commission ( FTC ) regarding this matter. Given the violation of the Fair Credit Reporting Act ( FCRA ) and the fact that I am a victim of identity theft, I demand that this account be removed from my credit report immediately. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (GA)

Received a loan from Avant Credit loan. Was not told what my interest. The loan was for XXXX with an interest of 35.90 % of {$190.00} a monthe. 1 year later after a years of payment and balance was still high,. I called the company and found our that when loan is paid in full I would have paid XXXX back, so now I wanted to send in extra money only to find that interest will be taken out. I have had loan and credit cards in the past and when seding in extra money, it went to the princple, rhis company does not do that. feel that I have been jitped. This is too much money to pay back, at XXXX years old makes me want to check in on bankruptcy or kust refuse to pay anymore money ... Thank you much for any help or advice.
Consumer complaint received 2016-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

I submitted my renewal application for updating my IBR for Fedloans Servicing. They did not contact me to notify that anything was missing. I 've called twice, once XX/XX/XXXX and a second time on XXXX XXXX ( spoke with XXXX from customer service ) and sent multiple online messages asking for clarification. XXXX stated that it would be processed by the following morning. Each person I spoke to on the phone said all materials were properly submitted and that they were just awaiting processing. I received a message on XXXX XXXX stating that materials were missing from the application and that if I do not make a payment on the full amount, they would report me to a credit agency. They outright lied to me on the phone twice about the materials and never responded to a single online message. The online process tried to force me into taking some of the limited number of forbearance days instead of actually processing the materials.
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Consolidated Recovery Group, LLC (AL)

This is a collection charge on a non existent debt. Their client, who placed the account with them, forgave the debt when their equipment was returned to them. They have refused to remove this from my credit in order to extort money from me. This is an unscrupulous company and should be fined.
Consumer complaint received 2016-10-14
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advance America, Cash Advance Centers, Inc. (CA)

XXXX has discussed details of my account with a third party, whom I listed as a reference. They have gone as far as sending a billing statement to this individual addressed to their name.The payment stub had my name on it but was addressed to my reference, whom is not a co-signor of the loan nor are they my spouse. I understand the laws differ in regards to collection practices and what stage of collections an account might be at. I also am well aware of privacy policies and what was stated in the contract that I signed. Regardless of the verbage, in the contract, information about the account to anyoneother than the borrower, their spouse, or a co-signor is not permited. The law is what holds precedence. Please correct me if I 'm wrong.
Consumer complaint received 2016-10-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harvard Collections, LLC (FL)

Harvard Collection ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) has started collection activity on XXXX alleged medical accounts by placing the XXXX accounts on my credit, XXXX and XXXX. ( acct # XXXX ) They are listed as being opened on XXXX/XXXX/16 and were put onto both credit bureaus on XXXX/XXXX/16. 

The insertion onto my my credit is collection activity. By law, FDCPA section 809 ( a ), collection agencies are required to notify the alleged debtor in writing within 5 days on starting collection activity. Harvard Collection did not and has not ever attempted to notify me before or after starting this collection activity in any manner as required by federal law. 

Secondly, both accounts appear to have the same account number and are from the same company. I believe they are also attempting to increase the negative impact on my credit by splitting these alleged bills into XXXX separate ones and cause double damage which is also against federal law.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I was a victim of identity theft and the person who stole my identity had used my social and had my credit ran to receive services. Detailed list includes the XXXX hard inquiry in which they got approved for services fraudulently is still on my credit report even though this was reported as fraud with my sheriff 's dept and an affidavit from FTC was submitted. This item is being used by someone in XXXX and the service address is showing XXXX. I live in XXXX and dont live in XXXX. Another one, XXXX XXXX, I dont have any credit cards and havent applied for any credit cards, and someone is applying every few months with XXXX XXXX, again, this is fraud and the credit reporting companies are refusing to remove this item. I have sent letters in writing with copies of my police report with XXXX County Sheriff # XXXX and my signed affidavit from the FTC has been submited to each company I have disputed with so these need to be removed. There are about XXXX accounts between the last year that this person used my social to obtain a hard credit inquiry for and also XXXX collections account from XXXX for XXXX that was confirmed fraud and needs to be removed.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. Also notice.d that my date of birth was incorrect
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Hello, My name is XXXX XXXX. We ( my spouse and I ) are retired. I believe that the cardealership wherewe purchased a car ( XXXX XXXX and NISSAN MOTOR ACCEPTANCE CORPORATION, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ) has misleadus by financial misrepresentation which may make the car purchase costus more thanwe believed it would. 
1. While negotiating with the salesman, on the phone and E-Mail, our understanding was that : a ) The discounted sale price of a XXXX can be achieved only if the car is not paid by cash but by going through the dealership 's financial department. 
b ) The agreed upon discounted sale price ++ ( bottom line of {$35000.00} ) will not be affected by financing the initial purchase.We can " PREPAY THE LOAN '' without penalty or any other charges. 
2. The loan officer was going through the paperwork very fast and coerced us to sign an agreement that we were not given enough time to understand. 
3. When we took the car home and went through the financial contract we found out that : a ) The loan term is 72 months b ) The ANNUAL PECENTAGE RATE is 4.65 % c ) The amount of Payments is {$560.00} d ) Monthly beginning on XXXX/XXXX/2016 Is there anybody that can help us in this matter? 

Please let us know. 

Respectfully, XXXX and XXXX XXXX, XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (IL)

Look, these people are harassing me over {$170.00}!!!!!! I AM NOT paying for it!!!!!!! There should be NO DEBTS on my credit at all!!!! Also, I DO NOT need ANYMORE debt collectors contacting me!!!! These people just DO NOT LEARN!!!!! ALSO, THESE PEOPLE NEED TO LOSE MY XXXX SOCIAL SECURITY NUMBER, ADDRESSES,, ANYTHING OR ANYBODY THAT IS ASSOCIATED WITH ME, ETC ... LOOK AT MY XXXX CREDIT BUREAUS TOO. I ALWAYS FIND OUT THAT XXXX, SO THEY NEED TO KNOCK IT OFF!!!!! ALL THESE PPL CARE ABOUT ISTHEIR MONEY AND NOTHING ELSE!!!!!!!!!
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview Loan Servicing is applying an additional fee that states " Recoverable Corporate Advances '' to my Mortgage payment before the grace periods has expired. I was never advised of this information and why is there an additional fee applied to the payment that is received on or before the grace periods has expired. I was advised during the modification of my loan that my payment needed to be received on or before the XXXX of the month.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting the account inaccurately. This account has not been a collection account as I have paid this account every quarter per loan agreement. This account should not have a 30-day late showing. This account has displayed inaccurate information for more than 8 months which is a violation of my FCRA rights. I informed XXXX back in XXXX that the account was wrong ( see attached ) yet NO ACTION was taken on the account by either XXXX or XXXX.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX/XXXX/2016, I had purchased a truck from XXXX XXXX. I told the finance manager I would have the funds to payoff the truck in 5-7 business days. They assigned Wells Fargo as the payee. They told me the payoff amount would be {$42000.00} as stated in the sales contract and that I would make that payment to Wells Fargo. About a week later, I received a statement from Wells Fargo dated XXXX/XXXX/2016. The billing cycle due date on that statement as well as in the sales contract was XXXX/XXXX/2016. There was no payoff amount in that statement and I had to call Wells Fargo to confirm the payoff balance. I didnt get the reps name, but I specifically asked her to give me the amount to payoff & close out my account and she had given me the same figure on the sales contract : {$42000.00}. I immediately went to my nearest Wells Fargo branch to payoff the vehicle. The receipt from the branch shows that {$42000.00} was posted to that account on XXXX/XXXX/2016. Three weeks later I get a statement dated XXXX/XXXX/16 from Wells Fargo that shows my account was not only open, but I was charged {$50.00} " interest ''. Statement shows that account did not post for the full amount I made at the branch which resulted in the account being left open. I called the XXXX # on the statement which is actually the collections dept for the Wells Fargo dealer services division. I got nowhere close to resolving this and none of the people including the " supervisor '' would give me their full name or even the name of the top manager of that dept. The terms of the sales contract clearly states that I would pay no prepayment penalty. The contract was also very vague or wouldnt state at all when interest would start accruing and whether or not I would pay interest if account was payed off before billing cycle due date. I paid it off on XXXX and the XXXX due date was a month later on XXXX. Based on my past experience with other banks and financial institutions, Ive never had to pay interest on loans ( including auto ) when I paid off the balance in full before the billing cycle due date. I did not need to or wanted to take out a loan for the vehicle since I was able to pay it off in less that 7 business days. Had I known I would have problems with Wells Fargo, I wouldve stopped the dealership from involving Wells Fargo in the transaction and just pay the dealership directly. I 'm not just upset about the {$50.00} " interest '' charge. I 'm also not surprised that Wells Fargo is using an unethical gray area loophole to keep my account open, extort " interest '' charges '', and hold my car title hostage. I am filing this complaint because I want Wells Fargo to close out my loan account and release my car title regardless of whether or not I have to pay that {$50.00} " interest '' charge. Because of Wells Fargo 's criminal indictment by the Justice Dept. for fraud and misconduct, I can not trust them to do the right thing.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My credit card bill wont go down and I 've never miss a payment. I call my credit card bank which recently changed their name and they tell me that I did a cash advance for {$84.00} before 2009, I just learn what a cash advance is. I told them to give me a copy of the transaction and they claimed that they dont have it to call the old company and vise versa. Im a XXXX that really doesnt know that much of banking. please help me.
Consumer complaint received 2016-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (PA)

I ordered a printer from XXXX, and many things happened just for a coupon to work because the rep told me to order first then he 'll apply coupon for me. Afterward, I tried to cancel a few times because they would n't honor the coupon then fast forward 2-3 weeks later, I still get no tracking or anything of this printer because I was supposed to deny delivery in order to get my refund. So then I disputed with my credit card company and won and thought this ended. They come after me months later trying to get money off me for this printer that I did n't receive and of course I emailed back and forth with them. They told me they fixed it and gave me credit for this. I even emailed the receipt and information to their collections email and now I get collections notice today in the mail that it went to a collections agency.