davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

During the XX/XX/XXXX, I called XXXX ( XXXX ) to inquire why my XXXX check ( # XXXX ) payment had not been withdrawn from bank account at about the same time as in the past. The XXXX customer account personnel advised me to wait a few more days perhaps the mail delivery was delayed because of the XX/XX/XXXX holiday. When I called a week latter, the check had not been received, and the customer account personnel directed me to make the payment at the XXXX XXXX branch in Maryland. I made the payment ( check # XXXX ) which was drawn from my XXXX XXXX XXXX account on XX/XX/XXXX. The amount due on XXXX XXXX ( late charges on XXXX XXXX ) was {$790.00} but I paid {$800.00}. Despite the three phone calls that I made concerning this payment, XXXX did not notify me but charged me a {$25.00} late fee, applied the extra amount that I paid ( {$800.00} - XXXX = {$21.00} ) to the {$25.00} late charge and filed a report on my credit report stating that I was more than 30 days late. The credit reporting agency stated that the lender ( mortgage ) needs to submit a corrected report. Here is a direct quote from them : *Please note : Experian has a new policy effective XXXX/XXXX/XXXX : For all dispute removal requests a letter from the creditor specfically stating that the dispute on file is to be removed and that the account is no longer in dispute is required. A signed letter from the borrower will no longer be accepted by Experian*
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

XXXX/XXXX/2015 Complaint XXXX Follow-up : Dear Vice-President, I received your letter informing me your offices were trying to contact me regarding my complaint to the Consumer Protection Services about my Loan Modification. 
I disagree with Wellsfargo because my loan Modification took too long was wrongly completed by extension to 40 years? Monthly payment application are very wrong with interest and Principal!!! 
Loan Modification is NOT refinancing loan & is mandated by Govt to assist home owners in trouble, My payment should reflect 70 % payment towards Principal and 30 % towards Interest or worst case equal amount to Principal & Interest after Escrow deduction as was the case previously but this greedy wicked bank is trying to extort unreasonably. 
How can ONLY {$41.00} be Principal with {$180.00} interest out of {$400.00} - I have paid Wellsfargo Bank over {$130000.00} on a {$72000.00} loan over the past 19 years!! 
I am demanding immediate review & correction as stated of my Loan Modification at worst. Thank you, XXXX XXXX XXXXTel : XXXX
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NH)

Equifax is not doing a proper investigation. They keep saying it is verified. I want to know who are they contacting with the creditor. Also they are not providing papers under the FCRA XXXX which they need to have to be able to report and item. Also they remove something and it gets reinserted without letting me know which is a Violation of the FCRA.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I am writing you again for the XXXX time because NFCU is continuing to report erroneous information to my credit profile. NFCU is attempting to report foreclosed information to my credit report after the 7 year reporting period by changing the date of delinquency on my accounts. The first date of delinquency is the date of my bankruptcy. After 7 years, NFCU is required by law to stop reporting on these account all together XXXX the Fair Credit Reporting Act. They are also labeling these accounts as being open and active when they are bankrupted accounts and should be labeled as such. They have updated and re-aged the accounts in order to continuing reporting on it outside of the 7 year period. Any status regarding these accounts outside of the 7 year period should not be reporting. NFCU actions have caused my credit score to decline and increasing in my premiums for insurance and utility services. I have disputed these item with the credit bureaus and have sent correspondence directly to NFCU for correction only to have them corrected when under fire and re-reported a couple of months later. I am requesting that NFCU stop harassing me by means of the credit system. This is a deliberate act because they have been warned by me, my attorney, XXXX and CFPB have sent them correspondence regarding this matter in the past. I am requesting that NFCU cease from reporting on any and all account included in my XXXX 2008 bankruptcy and submit accurate account data to the XXXX credit bureaus. This is my third and final request. Legal action will be taken XXXX the FCRA. 

*They have also removed the account from my report in the past, but added it back after a few months.
Consumer complaint received 2015-10-22
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX and XXXX XXXX XXXX XXXX VA XXXX : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2015-06-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: World Acceptance Corporation (TX)

Today i went in to pay my loan, and i wanted to renew it and the lady said no because i told her about a month ago that i maybe moving to florida if I 'm able to save up by XX/XX/XXXX. but i do n't have the money to move so I 'm just gonnna move in with my mom until tax time. But she told me that she will not renew cause she put it in the computer that i was moving but that was rude and i will never walk in there again. i need the manager. AND also they keep sending me txt telling me to renew
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (CA)

I cancelled my XXXX cable servicel & did not receive a closing bill for several months. I had to contact them for my closing balance, which I paid in full at that time. In the meantime, they transferred my account to a collection agency, who I have tried to deal with, but now they are threatening to " refer my name & address and amount due to major credit reporting bureaus throughout the Uninted States. '' I have called I explained to them the situation several times, but they refuse to stop contacting me. The amount they are demanding is their charge of XXXX plus interest.
Consumer complaint received 2015-06-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I presented a loan application for a Equity line of credit against an investment property, after I interviewed with XXXX XXXX, in Regions Bank I have been banking with then about 5 years or more, and he told me I should be able to qualify without problem after he reviewed all my documentation. I made {$110000.00} yearly, I have been in the same job for 3 years, in the same line of work since 2001, the house is free and clear and they will have XXXX lien position. 
I have a credit score of XXXX according to credit report they pulled from XXXX, they told me the score required for qualification was XXXX but they still denied me because they said their " custom credit score is only XXXX!!!!
Consumer complaint received 2015-11-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (GA)

Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion refuses to correct or to add the following comments to my credit 
report on an inaccurate item that is being reported by XXXX.
"XXXX Services acquired a XXXX mortgage loan position in XX/XX/XXXX from XXXX.  No payments were made on the XXXX or XXXX mortgage loan on this property (XXXX) to any lender after XX/XX/XXXX. The loan balance on this loan was zero as of XX/XX/XXXX and, as such, there is no actual payment history with XXXX in XXXX or XX/XX/XXXX, all mortgage loan obligations in Arizona are discharged at time of foreclosure and court issuance of Notice of Trustee Sale." There was no loan balance to be acquired nor was there any balance on the loan for XXXX to transfer to XXXX.
XXXX and XXXX removed this item from their credit report as a result of documentation provided to all XXXX credit agencies. Transunion refuses to respond and and also refuses to add my comments.
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Citi Management Group, LLC (MO)

citi management group has called my phone XXXX times the last XXXX days. I answered the call today, and attempted to give them my bankruptcy info which they told me I have a fraud case pending against my ss number. I quickly hung up, they have called me back XXXX times since then.
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (OH)

I verbally advised this company to stop calling me after I settled and paid a debt. Since I 've made the settlement payment, Receivables Performance Management calls me XXXX times per day. I 've asked them to stop calling me, Ive requested managers and supervisors but the representatives who answer the phone refuse to connect me with someone in leadership. I want them to stop calling me.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Equifax continues to keep allowing incorrect collection accounts on my credit report that have been previously deleted multiple times. When I dispute the collection accounts Equifax states accounts were verified which is not possible because they are not mine. When I contacted Equifax by phone they will not explain how the collection accounts were verified to be my responsibility or what information the company provided to verify them except my name and address. I explained to Equifax anyone can get my name and address because they list it on my credit report. This credit reporting company ( Equifax ) needs to be sued for their lack of investigation and reporting false information on people 's credit report that damages people 's credit rating. I have had the same listed collection accounts in my Equifax report number ( XXXX ) deleted from other credit reporting agencies because the company knows they are not my accounts. These credit reporting companies need to be held accountable for the damage they are creating by their lack of investigation efforts when investigating for consumers. Equifax automatically rule 's against the consumer because they are being paid by the collection companies to keep this false information on the consumers credit reports. I have asked Equifax and the companies listed in my collection investigations to provide me with a contract or a document with my signature showing I have any responsibility to pay any collection accounts I have disputed. Equifax and the companies both have failed to provide me with any proof I owe the amount requested or any other amount they show in collections on my credit report. I demand this matter be taken seriously by Equifax and the false collection information deleted immediately.
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH 10,000DOLLARS AND I ONLY USED 2000DOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT XXXX OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I noticed late payment ( s ) on my credit report that we 're from XXXX XXXX ( XXXX XXXX ). 

I contacted XXXX XXXX and they sent me a letter stating that they would contact the credit bureaus and have the negative remarks removed within 90 days of the letter they sent me. 

They never had these late payments removed as promised. 

I have a copy of the letter that I will attach to simplify this complaint. 

My goal is to have these late payments removed from my reports as promised. 

I have attempted to contact XXXX XXXX again to have them correct this. They have not and stated there is nothing else they can do. 

I have sent certified letters to all XXXX credit bureaus containing the letter from XXXX XXXX specifically stating these late payments should be removed. They refuse to remove them. 

I spoke today with TransUnion and they told me that " Documentation from XXXX XXXX '' is not sufficient for them to remove these late payments. 

That is insane. There is nothing more official that could be presented.
Consumer complaint received 2015-06-13
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (DC)

I was cheated by BB & T and the BBB could not handle the case and I am asking your help. 
My XXXX savings account was from XXXX opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to School. I wanted to close my savings account and I had plenty of Money in the checking account. The teller told me not to close it because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. I contacted XXXX, and their complain office for BB & T is in North Carolina, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. 
Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. 
Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. 
Third the term " dormant '' is unfairly XXXX way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. 
Please help.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TN)

XXXX has continued to persue me over a debt that has been resolved. I have told them over and over that I have settled the debt but they still keep sending my account to collections. I have the settlement letter and the credit bureaus comments on the account stating the account has been settled in full.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (OH)

Since becoming an Equifax customer my score was about a XXXX at the start of the membership. There were many debts at that time, some were not valid, some were paid before going to collections. Oddly after removals of the inaccuracies my score dropped more and ore since becoming a customer. With improvement my score should stay unchanged. 
With the issues I had prior XXXX complaints as my score dropped at times by up to XXXX points. and right after the XXXX complaint closed they dropped again another XXXX points with no changes to my credit report that would justify the drops continually. Replies were not justifiable as at the start with many wrongful debts I had a very good score and today with removals and improvement my score has dropped too much. I gained new credit, reported as good credit, paid on time, paid typically the balance in full, and again they are dropping my score by about XXXX points each time they drop without justification. Common sense tells you that when you are a new customer with a score of XXXX with allot of wrongfulness, no good credit at the time, all wrongful removed, new good credit that today my score is a XXXX, so what does that tell you they have done immorally to my score.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Other — 
Company: BBVA FINANCIAL CORPORATION (TN)

My BBVA Compass XXXX XXXX has been frozen/blocked since XXXX XXXX. I have contacted their fraud dept. and was told it would take 24 to 48 hrs ( business days ) for someone to contact me so the account can be unblocked ; it is now XXXX XXXX and this has yet to occur. I am starting to believe this is a classic bait and switch because they are doing a promotion specifically for the XXXX Finals with the use of this card. I have contacted the security dept. XXXX times with all information clearly showing I am who I am and have been the only person using this card by confirming all of the purchases on this card to be true.
Consumer complaint received 2015-03-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Johnson Mark LLC (AZ)

I was sued by XXXX XXXX XXXX for credit card debt. All funds in my checking/savings accounts garnished. I was solicited and brought into a binding contract with the original creditor as a minor. Credit report shows false information regarding my identity.
Consumer complaint received 2015-03-31
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

Ref : CFPB Complaint # XXXX I believe that Wells Fargo Home Mortgage engaged a dishonest and unscrupulous marketing tactic meant to drive business in which I am a victim of their offer of an exceedingly low mortgage rate meant to attract customers know full well that the teaser rate ( the " bait '' ) was not available. XXXX the loan process was well underway and WFHM knew that after my considerable investment of time and finances with the imminent danger of surrendering a large sum of money if I backed out of the deal, WFHM proceeded to offer the higher rate ( the " switch '' ), thus earning greater commission. I believe WFHM delayed submitting my application for {$10000.00}. down payment assisitance from XXXX, which was consequently denied because the amount of the loan would be significantly lowered, thus WFHM would earn a lesser commission. When I consider the fact that Wells Fargo Bank has a history with the XXXX involving racial discrimination, my experience navigating through unreasonable obstacles that seemingly were meant to deny the loan, after consulting with White customers who have done business WFHM, and being included as a " Class Member '' of XXXX separate court actions against Wells Fargo Bank which were, to the best of my understanding ; each brought forward by XXXX complaintant, I think there is reason to believe that I have been a victim of racial discrimination by Wells Fargo Bank. I believe the figures contained in the Settlement Statements are deceptive and have been fixed to scam and overcharge.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: RevMD Partners, LLC. (GA)

medical bill paid by insurance company is showing up as delinquent. 
Our XXXX Administrator said the following : Claim # XXXX was originally processed on XX/XX/2013Billed amount $ XXXXAllowed amount - $ XXXXCoinsurance - $ XXXXXXXX paid PROVIDER on XXXX/XXXX/13 {$510.00} ( Check # XXXX ) E payment - draft # XXXXTotal member responsibility on this processing $ XXXXClaim was Adjusted and reprocessed on XX/XX/2013XXXX overpaid provider by $ XXXXRequested reimbursement from provider of $ XXXXMaking NEW member responsibility of {$100.00} ( plus original {$57.00} ) to total {$160.00}. 

I would have the member 's provide the payment information to the provider that XXXX paid a total of {$410.00} and member is responsible for remaining {$160.00}. This will total the {$570.00} that was billed.
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MS)

The issue is with the company Rushcard ... ... I have gone over a week without accessing my funds due to a technical glitch in their system upgrade. tried to contact Customer Service on several occasions was on hold for a very long time and hung up on by customer service