davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I had several accounts with XXXX XXXX  and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX.
Consumer complaint received 2018-01-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (AZ)

We purchased our home while XXXX was XXXX XXXX XXXX. Upon leaving the military in XX/XX/XXXX 2015, his job that was promised did not happen and became underemployed. I, XXXX, became XXXX with XXXX and on full bed rest and on XXXX from work. The XXXX were born 3 months early. One XXXX has major health issues that require special care. XXXX tried to find a better job and once employed did not receive pay for a few months. At this point we could n't keep up with the payments and fell behind on our mortgage. Now we are in a desperate need of a short sale. We have an offer on our home, we just need more time to get it reviewed by the bank. Will you help us get the foreclosure sale date postponed? It is currently scheduled for XX/XX/XXXX. The bank is Loan Depot and the loan number is XXXX. Thank you so much for your help!
Consumer complaint received 2018-01-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (AL)

I have been trying in vain to get a refund back fro a wire transfer with BBVA Compass for several months to no avail. I have callled their Customer Service Numbers and Fraud Department several times, and every time say a month goes by with no response ... ..I contact them to see if there are any updates and the customer service agent has no idea who I am, can find the complaint/refund request or anything. Most of the time I am transferred to a customer service branch in another country who I can barely understand and vice versa. 

The wire was for {$38000.00} on XXXX XXXX, 2017 which is a HUGE amount for me and I have not been able to get this resolved in several months. It was not until yesterday that I just went to my local branch office in XXXX where the staff helped me out and filed a refund request on my behalf. The Branch manager ( XXXX XXXX ) kindly told me that the chances were not good to get a refund because of the time that had passed, but I have been trying to get the refund through writing the Corporate office and filing a complaint over the phone for several months. That was well within the time period for me to have gotten my refund by now. 

Please help me in this situation, this has caused tremendous stress to myself and my family and I just want it resolved. Thank you
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NC)

I used my XXXX XXXX card to purchase a service from XXXX XXXX XXXX   ( XXXX ) in XX/XX/XXXX. For {$2500.00} they were to provide my father ( this was a gift to him ) with four dates within a six month time period.

After six months XXXX had failed to provide my father with any dates. I requested a refund of the money three times. After I got no response from XXXX I contacted XXXX XXXX and told them the story and they agreed to dispute the charge on my behalf and credited my account back for the money approximately XX/XX/XXXX.

In XX/XX/XXXX the {$2500.00} charge reappeared on my card. I called them to ask why and they claimed that I had received " services '' from XXXX. I argued with them that I had not and they stated that they " could not help me '' because of the " cancellation policy '' in the contract. I pointed out that the merchant had failed to honor XXXX terms of the contract. They refused to remove the charge and I am now forced to pay for a service that I ( really my father ) never received and never will.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (CA)

On XXXX XXXX, XXXX at XXXX XXXX, I received A phone call on my cellular phone from a local number that said XXXX, it was area code XXXX. When I answered the phone, a debt collector from a company called dynamic recovery solutions was on the line. They said their phone number was actually XXXX or XXXX. The person was named XXXX XXXX. She said her companys headquarters is in XXXX, South Carolina. 

This company engaged in Call Spoofing which is ILLEGAL by federal law. Please review the attached picture for reference to federal law. I am requesting that dynamic recovery solutions ceased and desist all communications with me, and that they are FINED to the fullest extent of the law. Thank you and have a great day. XXXX bless.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I MADE A WIRE TRANSFER TO COINBASE OUT OF XXXX XXXX XXXX ON XX/XX/XXXX AT XXXX. MY WIRE HAS NOT BEEN POSTED TO MY ACCOUNT. I HAVE CALLED COINBASE EVERY DAY SINCE XX/XX/XXXX TO NO ASSISTANCE FROM CUSTOMER SERVICE. THEY ASK ME TO OPEN UP TICKETS TO WHOM I HAVE RECEIVED NO RESPONSE FROM. I HAVE ALREADY OPENED 4 TICKETS ( I CAN PROVIDE THOSE TICKET NUMBERS IF NEEDED ) AND NO RESPONSE FROM ANY OF THE EMAILS. I HAVE EMAILED PRIORITYSUPPORT, COINBASE SUPPORT, WIRE SUPPORT NO RESPONSE. MY MONEY WAS TAKEN AND NEVER POSTED TO MY ACCOUNT WIRE AMOUNT IS XXXX . XXXX XXXX HAS CONFIRMED THE FUNDS WERE SENT TO COINBASE THE SAME DAY THE WIRE WAS INITIATED XX/XX/XXXX. COINBASE HAS TAKEN MY MONEY AND REFUSES TO CREDIT MY ACCOUNT AND REFUSE TO RESPOND TO ANY OF MY EMAILS AND CALLS AND TICKETS OPENED. I HAVE LOST THOUSANDS IN THIS TIME BY NOT BEING ABLE TO PURCHASE OR DO ANYTHING WITHOUT MY MONEY, THIS IS WIRE FRAUD. PLEASE PLEASE HELP ME.
Consumer complaint received 2018-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

On XX/XX/2018, my student loan service provider ( XXXX f/k/a XXXX XXXX XXXX ) for the past 10+ years, transferred my loan to a new service provider ( Nelnet ) without my permission ; and the interest rate is wrong.

I have placed numerous calls and have sent numerous emails to both Nelnet and XXXX to rectify the problem, to no avail. In fact, XXXX placed a call to Nelnet explaining that lender incentives of 1.375 % interest rate reduction ( see attached ) was supposed to be applied against the 8 % Nelnet is reflecting ( to properly state my rate at 6.625 % ). Despite all my communication efforts, Nelnet has not corrected their error.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AR)

XXXX XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX XXXX  provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
Consumer complaint received 2018-07-18
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: Experian Information Solutions Inc. (LA)

I been trying to dispute with experian about the XXXX XXXX account. This account has been sold to XXXX XXXX collection agency and has written their tax off. XXXX XXXX already has collected the debt and is satisfy. Therefore I have no contract with them. This item need to be deleted. 
Thank you
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Despite numerous attempts to provid the proof of all insurance which is through XXXX the company is claiming that we have not provided he information. They are trying to make us pay for insurance coverage that they provide even though there has not been any gaps in our coverage.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc. (MI)

Currently, NCC Business Services of XXXX, FL is reporting twice on my credit report for {$740.00} and {$500.00} to all 3 credit bureaus since XX/XX/XXXX. NCC Business Services is  collecting on behalf of XXXX XXXX XXXX in XXXX, MI. I have been disputing the information as inaccurate since it was first placed on my credit. I lived at XXXX XXXX Apartments from XX/XX/XXXX - XX/XX/XXXX. I moved in XX/XX/XXXX, on an agreement with the property manager that I would be let out of my lease with an intent to surrender notice. At that time, I owed NO money to XXXX XXXX XXXX. Prior to me moving out, I had a court settlement with XXXX XXXX. The court ordered me to pay all of the money I owed minus the erroneous fees that they charged or I would be evicted. I was ordered to pay XXXX XXXX in full for the back rent I owed and XXXX, in full by XX/XX/XXXX or I would be evicted. There was money that I also placed in Escrow with XXXX County 8th district court until a settlement had been reached. I moved out of XXXX XXXX XX/XX/XXXX with a {$0.00} balance. {$0.00} minus the late fees and including the money that would have been payed to them out of the Escrow account. I have a ledger to prove the payments I made as well. In XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to see what exactly the details of these amounts were. I was asked to put together a dispute and send it to them via email and they would investigate it. I composed a dispute to XXXX XXXX XXXX via email, including a ledger and documentation from the courts to prove that I owed no money to this landlord. I asked for NCC or XXXX XXXX to produce an updated ledger through XX/XX/XXXX. I provided my record with XXXX XXXX district court to show that they mailed the money from Escrow as well. XXXX XXXX is aware that money was being mailed to them from the Escrow account because it was determined in court. I also provided the court documents to NCC Business Services as well. NCC Business Services told me back in XX/XX/XXXX that they would send over my response to XXXX XXXX and follow-up with me within 2 weeks. It is now XX/XX/XXXX and I have not received a response from NCC Business Services or XXXX XXXX and the inaccurate information is still being reported on my credit. This inaccurate has kept me from being approved for apartments because it seems as if I left owing a balance which is false. It is unfair for a company to say I owe them money and send it to a collection agency to retrieve the money but have no proof of how I owe the money or where the amounts came from specifically. They also can not prove that I damaged the property in any way. It is unfair to me that my credit is suffering for inaccurate information and there's nothing that I can do to rectify the situation. I refuse to pay money that I do not owe.
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

We have attempted repeatedly to verify this debt and have requested documentation on multiple occasions, but have never received a response. I reached out about my husbands account on XX/XX/2018 at approximately XXXX CT. I spoke to 3 different people to try and reach a settlement. One of the representatives informed me that they have supposedly received return mail on multiple occasions. We have verified our address multiple times and know they have the correct address. We receive mail, without issue, at the address. The lady I last spoke to on XX/XX/2018 told me that she would send a settlement agreement letter to me via email that day to review. I never received the email. I called again on my lunch break at approximately XXXX CT on XX/XX/2018 to check the status of the email. I was again told it would be emailed shortly. By XXXX CT on XX/XX/2018, I had still not received the promised email so I called a third time. The representative told me this time that emails were not allowed to my state, but if her supervisor sent me an email and I replied confirming it was okay to send information, they would then send me the documentation of the settlement. She promised the email would be sent immediately after the call. I have yet to receive an email. I really feel this company is refusing to provide any documentation of the debt or agreed settlement and we refuse to pay until they provide something in writing. Through multiple attempts over at least the last year they have not verified the debt as requested.
Consumer complaint received 2018-08-12
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: DISCOVER BANK (CA)

I began an application process for a Discover it chrome Secured Credit Card on XX/XX/XXXX. However, I never completed the process. They requested that I verify my information by providing a copy of my Social Security Card as well as other documents. I never provided these documents, and received multiple email notifications ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) stating that " Failure to verify the information above will result in a decline of your application. '' I had decided that I did NOT want to open this credit card, and thus chose not to provide the specified information. I trusted they were telling the truth in their repeated emails, and that my application would be denied. 

However, on XX/XX/XXXX, I received another email from Discover stating that my application had been approved, and they would be withdrawing a {$200.00} security deposit from my bank account. On XX/XX/XXXX I contacted the customer service phone number provided in the email. I told them that I did NOT want to open a card, had NOT completed the application, and had been told via email that my application would be declined. However, they refused to cancel the withdrawal request to my bank. 

XXXX lied when they said my application would be denied, and continued to process my application without my consent. This is deceitful, and is unacceptable.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (NY)

On XX/XX/XXXX, I ordered a cell phone from XXXX XXXX. XXXX offered me a 14 day window to return the phone with no cost. Prior to the 14 day window, I returned the phone without ever activating it. The return was processed and I received a refund on my credit card. I am an XXXX XXXX XXXX customer and do not have any other accounts with XXXX. 

In or around XX/XX/XXXX, I noticed that I was not receiving text messages from XXXX XXXX users. I contacted XXXX and they informed me that because of an error in their system, even though my phone was returned, they had assigned my phone number and account to a XXXX phone and my texts were getting lost in the system. I was told the issue was resolved. 

In late XX/XX/XXXX/early XX/XX/XXXX, I received a notice from CBE group, a debt collector, dated XX/XX/XXXX, seeking to collect {$180.00} in charges associated with the XXXX account that I never used. 

After several calls with XXXX and CBE, the last on XX/XX/XXXX, in which I sought to resolve the issue and asked that CBE purge my personal information from their database since I never owed the debt, I was told that the issue was resolved and that CBE was investigating whether they could remove my sensitive information. I have not yet followed up with CBE but when I last spoke with them they suggested that they would not remove my information which seems like a violation of the FDCPA. 

On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX, acknowledging that my debt is {$0.00}, but threatening to report the debt to all major consumer credit bureaus as a " write-off '' and stating that it could damage my credit. 

I have spent countless hours on this issue and XXXX and CBE should not be allowed to get away with these threats because XXXX has even acknowledged that I never owed a debt because I never activated the phone and returned it within the allowed window of time.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (KS)

This is now the 3rd time I have contacted the Consumer Financial Protective Bureau regarding this. Are you guys even going to address the fact that wells Fargo is holding my funds and will not let me access my account? I should n't have to go into a branch to access an account that I opened online. I would have preferred to keep the account open, but it has now been 3 months and i have n't been able to access my account. This is completely unacceptable and i ca n't believe the Consumer Financial Protection Bureau allows this.
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I unfortunately have a home mortgage with Wells Fargo. My total mortgage payment including escrow is approximately {$2300.00}. Prior to sending the payment due on XX/XX/2018 I contacted Wells Fargo and advised them that I would be sending in additional money with the mortgage payment. I instructed Wells Fargo to apply all of this additional money ( approximately {$30000.00} ) to the principal portion of the mortgage. I was assured by Wells Fargo that the additional money would only be applied to the principal and my account was noted by the representative reflecting this. I was in fact told by Wells Fargo that additional money can only be applied to principal. I submitted the XX/XX/XXXX payment as explained and weeks later received my statement in the mail. I found that some of the additional money sent in was not applied to principal but was instead applied to future payments. Ive experienced this issue before with Wells Fargo and that is why I contacted them before sending in the XXXX payment. Wells Fargo has many excuses why again the additional money was not applied to the principal. I was told there were coding issues with the account. I was told that Wells Fargo likes to apply a future payment of at least one month from any additional money sent in. I was told that Wells Fargo has problems processing online payments. Ultimately Wells Fargo in my opinion is committing a deceptive business practice by applying the additional money to anyplace other than the principal. Especially since I notified them before sending in the payment and which they acknowledged. In my case Wells Fargo benefits directly in terms of not applying the additional funds to principal and I as the consumer lose by getting to pay Wells Fargo additional interest. I contacted the Executive Relations Department at Wells Fargo and the XXXX payment was eventually reversed and applied correctly. I believe Wells Fargo should be investigated or at the very least should be compelled to issue a formal response as to why this happened. Again, this has happened before when I sent in additional funds and I had to fight Wells Fargo to have the money applied correctly. I would like a formal response from Wells Fargo myself. Thank You.