davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo authorized and paid a POS transaction from my account. This over-drafted the account and I was assessed an overdraft fee. Additionally, a subsequent charge was authorized, paid and an overdraft fee assessed. 

I have not opted in to overdraft protection with Wells Fargo making this is a violation of the " opt-in '' requirement rule instituted in 2010 that requires that consumers agree to overdraft protection in order for a bank to be allowed to charge over-draft fees. The proper response to the pre-authorization request would have been to decline the authorization. 

I demanded the over-draft funds be reversed on Friday but have gotten no response. 

I am filing this complaint because this is not the first time Wells Fargo has assessed overdraft fees in violation of the opt-in rule. I believe there is a systemic practice of charging these fees knowing that consumers are not aware of their rights and as a result will not seek to have them reversed. 

Additionally it appears that Wells Fargo may have recently updated it 's overdraft protection service and automatically opted me ( and I am assuming other consumers ) into the program without the affirmative consent required by the opt-in rule.
Consumer complaint received 2016-06-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (MI)

I received a call on XXXX XXXX, XXXX at XXXX. I answer it and it 's a man by the name of XXXX XXXX claiming to be from XXXX XXXX mediation firm and has legal documents against me. I ask what they are for and he says its a pending check fraud case filled thru First bank of California in XXXX. He stated that I would be served legal documents at my place of residence or employer and if I didnt accept I would get failure to appear and could have an arrest warrant issued. I told him that I have never received anything in the mail about this debt and havent lived at the address he had on file since XXXX when my grandfather passed and the house was sold. He told me the employer on file and I havent been with them since XXXX. He claimed that with accumulated interest the amount is now at {$3100.00} but the loan amount was for {$1000.00}. This is the second time I have received a call like this but the first time is was from a XXXX XXXX through XXXX. He stated he had legal documents on me for check fraud. The amount was for {$1100.00} When I spoke with XXXX he had stated that if I could reach the amount of {$900.00} within 2 days then they might consider stopping the legal complaint. The payday loan company that is being said as the complaint is Check n Go and I have a contact of XXXX XXXX XXXX XXXX XXXX XXXX that holds the collection and its not for the amount that the above is claiming either.
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Van Ru Credit Corporation (DC)

I have received a letter from Van Ru Credit Corporation saying that I owe {$100.00}. I called the medical center they say they are from and asked them about it and they said that I did not owe anything. I believe this to be a scam.
Consumer complaint received 2016-05-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

Carrington Mortgage Services sent me a notice of intent of foreclosure. I am up to date on all of my payments, they have no reason to foreclose on my house. I have all my bank statements to prove every payment has been withdrawn from my account. Even on their website my account shows every payment made. I first had issues in XX/XX/XXXX, they told me they never received my payment even though the funds had already been withdrawn from my account. They finally applied the XX/XX/XXXX payment I made on XX/XX/XXXX to my account on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX and they are telling me that was for my XX/XX/XXXX Payment. I have proof of every payment for the entire time my loan has been through them. They also increased my escrow account due to a " deficit ''. I did the math, there was no deficit and they are charging me double for my escrow. My property taxes and homeowners insurance do not add up to amount of escrow they are charging me.
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (IL)

" There was no debt to begin with '' I used to be XXXX XXXX XXXX customer. In XXXX of 2016 I decided to discontinue using the service. I disconnected the equipment and returned it to the closest XXXX XXXX XXXX on XXXX/XXXX/2016. Then I tried to get XXXX to actually close my account. It took over a dozen phone calls and over 2 months for them to finally close it. Meantime their billing system kept adding new service charges and late fees. After the amount went over some threshold I started getting multiple robocalls per week from " Focus Receivables Management LLC '' collection agency to my personal cell phone. Even after I was finally able to get XXXX to close my account and remove all the bogus charges - the robocalls from the collection agency did not stop.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXXXXXX XXXX XXXX XXXXXXXX : in The XXXX XXXX XXXX XXXX. I am asking for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX {$6700.00} XXXX - See Attached Criminal Reports!
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (TX)

JP Penney claims that they sent the bill of {$5.00} to my address but I did n't not receive it, as a result the company reported it as a negative item on my credit report. No other attempt to reach me was done. As a result my credit score was greatly affected, from XXXX to XXXX.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

i am here in usa before 6 year exactly in XXXX/XXXX/XXXX and i get my ss ln XXXX/XXXX/XXXX before l was good in my live but in XXXX i had big problem like jobs living and ... ... .everything necessary in live for example i submit an application for XXXX, XXXX, XXXX and other. all those accept me because l am good driver and never have accident or tickets but when they see my credit they sad me we can ' t accept you because you have bad credit same problems when i want rent an apartment for living if i do not bring other person or/and bring money for deposit. l am tire with living in hotels please i need helps. 
i send an fax to experian but nothing i coll XXXX and XXXX they sad me your problem is Experian. 
thank you and i am sorry for my XXXX.
Consumer complaint received 2017-01-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a dispute letter to Transunion Credit Bureau in XX/XX/XXXX to dispute erroneous accounts on my credit report. The dispute letter via certified mail, it was delivered on XX/XX/2016 ( verified via XXXX ). I have not received any correspondence or dispute results. According to FRCA its my right to a timely investigation ( XXXX ) and Transunion is in violated my rights. At this point Transunion should be obligated to follow the law and delete those erroneous accounts listed on the dispute letter. Please assist me in handling this issue.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NC)

I 'd like to raise a concern over the interest being charged on my credit card, BP Visa, a private label card owned by Synchrony Bank. I 've had this card for over 20 years. I have not used the card due to a 13 % variable rate for the past couple of years. However, on a recent statement, I noted the card now has a 27.24 % variable interest rate. I called the company to ask why and for a reduction and I was told the rate is non-negotiable and set at that amount for all BP Visa cardholders. The cardholders credit and history are not factors considered. I will be cancelling the card ( I do n't have a balance ) but I 'd like suggest that this interest rate and the policy border on deceptive practices by Synchrony for those that may have had the card for some time and not noticed the increases over the past few years.
Consumer complaint received 2016-07-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc. (NC)

I have had numerous medical bills from XXXX XXXX, XXXX, NC. These bills were turned over to Optimum Outcomes for collections. XXXX XXXX has made phone calls and provided documentation to Optimum that these bills are considered settled due to financial hardship on my part. Optimum Outcomes has not reported and/or provided documentation to me stating the account has been removed out of collections. These bills are standing in the way of me co-signing a student loan for my son for college. When I have tried to escalate my calls to speak to a manager I am always told that there is not one available
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (VA)

I had XXXX or XXXX medical bills that were incorrectly billed and my XXXX payment was not noted on the hospital bills from XX/XX/XXXX they were written off in XX/XX/XXXX. All of them! Now this year I have been contacted by Commonwealth Financial Services by 3 people. I received notice of the bills from XXXX XXXX, then I was contacted by XXXX XXXX. I mailed copies of all the settled bills to XXXX XXXX on XX/XX/XXXX I never heard back from her now, I got a call from XXXX XXXX and again he is trying to collect on the same bills as XXXX and XXXX. I got Commonweath 's account numbers and mailed copies of the settled bills with each reference number on the copy around XXXX A fifth grader could easily match up and report these bills are settled. Yet when I called XXXX XXXX today after I received an letter from him trying to collect for another company he told me to disregard that and to give him 2 or 3 weeks to check on the bills that I copied and put reference numbers on.. Yet my credit report shows these collections from XX/XX/XXXX when they apparently bought my account. They are unorganized and my credit report is affected by these attempts to collect settled debts. I am XXXX years old, XXXX and live on less than {$XXXX} a month I do not drive and have to get a ride to the post office due to the rual area that I live. I can not keep mailing them copies and putting up with their interference in my life.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : TransUnion, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies 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 my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via ConsumerFinance because I need your prompt response to this issue. 
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX XXXX XXXX
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Greentree Servicing attached force-placed insurance to my mortgage payments twice since the loan was taken out in 1997. After providing the new policy to Greentree in each instance, Greentree then tacked on an additional {$800.00} onto my loan each time ( for a total of {$1600.00} ) and when I inquired, they said that even though I secured private homeowner 's insurance, that I had to finish paying for their policies. This does not make sense as they were charging me over {$200.00} per month for their force-placed insurance. 

I am a paralegal and have been for over 30 years. I have done been involved with many foreclosures and loan closings. I feel Greentree 's insurance division has not only overcharged me, but I believe that Greentree has not properly credited my payments.
Consumer complaint received 2016-12-30
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I am constantly harassed by Nissan Motor Finance Regarding my car payment which i missed but despite having a payment setup for the XX/XX/2016 i constantly received calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding a payment right away and during this process i was forced to make two payments of XXXX on the XX/XX/XXXX and a second payment of XXXX setup for the XX/XX/XXXX
Consumer complaint received 2016-06-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (FL)

My student loan payments are {$1000.00} a month. Everyone else I graduated with does not have a payment this high. I think I filled out my fasfa wrong or something. I do n't understand why my payments are so high and why I did n't get any grants from XXXX. I also believed that it would be 6-7 % interest on the whole loan not compound daily. I make {$1700.00} after taxes. I pay another {$75.00} in sub and unsub loans a month. I literally make enough money to pay my car payment, car insurance and gas to get to work. I had to get a second job just so I can eat. I literally debate whether it is worth living everyday. Can you please see if there is something you can do? 

Also, I remember shortly after I graduated XXXX President had to step down or something because there was a money scandal.
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TX)

I 'm currently attending school ( full-time ) and my student loan servicer, NelNet, continues to say I 'm late on payments, although my payments should be deferred. My school has contacted NelNet multiple times and they have provided confirmation that I 'm currently in school but NelNet is not following correct protocol. 

I have tried to reach resolution with NelNet with no success, as they continue to say they do n't have confirmation I 'm not in school, despite myself CC'ing a school representative, where they 're providing information stating I am in school.
Consumer complaint received 2016-12-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I went to chase bank XX/XX/XXXX to withdraw {$440.00} dollar and i saw the money came out by the time i take the money out of the atm the machine took the money back. And i went to the next atm saw my remaining balance. Which means XXXX was withdraw on my checking account.balance I called chase customer service and was told i will get my refund within 12 hour. The next day which was XXXX i called again was told i would get my refund with 24 hour. Ok on XXXX i called was told it will take 3- 6 business day to review my claim. I called yester day was told that it will take more than 6 days to review the claim and unsure i would get my refund. Usually it takes a few hours to get a refund from chase. Iam wondering why is it taking so long to get me my refund?
Consumer complaint received 2016-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: JPMORGAN CHASE & CO. (FL)

I have a Federal FFEL consolidation loan which consolidated loans from XXXX and XXXX XXXX in the total original principal amount of approximately {$85000.00}, however, JP Morgan Chase paid off the loans in the total amount of {$120000.00}, which is a difference of {$43000.00}. Neither my student loan servicer, XXXX XXXX, nor JP Morgan Chase can give me ANY evidence of why this happened, nor can they give me a complete and total line item accounting from the inception of the loans to now. My loan has become more than DOUBLE of the original principal amount which means I am paying twice for my education!!!! And my loan balance does n't budge, which is the subject of my complaint against XXXX under Complaint # XXXX ( XXXX has already reached out and are " trying '' to get me what I have asked for for years, and also admitted that they have made a mistake in calculating the principal balance and therefore improper interest has accrued over the the past 7 years!!!!! ). I would like JP Morgan to give me the original promissory note and ALL loan documentation, evidence of the payoff to XXXX XXXX and XXXX, and evidence of the reason for the disparity in the payoff amount. JP Morgan also refuses to remove delinquency notes from my credit reports which I have been disputing for years and I was NEVER DELINQUENT!!! This is preventing me from qualifying for a home mortgage and for even getting out of my student debt, which will be impossible if these banks do n't rectify their illegal inappropriate compounding of interest. They ca n't even give me an amortization schedule!!!
Consumer complaint received 2016-06-27
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Blueshore Recovery (TX)

I was told by Blue Shore Recovery that they were going to send my refund check of {$750.00} to me because they sold my account to someone else in the middle of me paying it. So i was told that it was sent on the XXXX XXXX 2016. So sent by mail it would have been here today which is XX/XX/XXXX. I still have n't received it yet. I was also told it was suppose to be expedited and that all of the sudden changed to it was sent regular mail.
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

I filed completed and paid my bankruptcy a couple of years ago. I went to get a new car and when they pulled my credit report it said that I was 120+ delinquent on my XXXX XXXX XXXX for {$3200.00}. I had to have my lien released to me for insurance purposes and so I had to call the XXXX customer service. They did not say anything about a past due amount and release the lien to me. They would not have released the lien to me if I owed them money. I know that I do not owe because the final report of my bankruptcy stated that everything was paid. My husband and I are trying to refinance our home and we ca n't do that because if this error on my report. I have attached a copy of Paid Chapter XXXX report.
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened XXXX debit cards under my XXXX XXXX university state ID and then when I found out they closed all my account including credit card which is totally separate from Banking system and the manager at XXXX XXXX XXXX loc # XXXX Named XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX they were XXXX owned by XXXX XXXX and her sister XXXX XXXX XXXX sister. 
Then I had fraud department do the investigation and found out to be the above stated people are the one stole my identity. The money spenders were my uncle XXXX XXXX and XXXX XXXX
Consumer complaint received 2016-12-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had several mortgages with Bank of America before recession on my primary and investment properties. When the recession happened they started selling some mortgages to other companies. Things were ugly. I was not able to survive and felt behind. My properties were sold XXXX after the other. XXXX of my properties was sold in XX/XX/2015 by Bank of America which they have filed deficiency and reported to IRS. Not only I lost my house but also being reported that I ended in having {$12000.00} payment to IRS that I have hard time paying. On my only roof left on my head, that I only have a line of credit, they never worked out with me to lower my principal. I here all the time that they are forgiving many secondary loans. I am desperate. I am a single mom of XXXX adopted children that are in Medical school. I am lost everything that I had and I will be unable to support my kids schooling. I desperately need help. Thanks.
Consumer complaint received 2017-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo 's online mortgage payment system would not accept my payment for several weeks. Since there are no physical locations in my state I was forced to make my payment using their automated phone system, which conveniently for them assesses a {$6.00} processing fee. 

In essence I was forced to pay a fee for the convenience of making my mortgage payment.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (WI)

I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.