davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I received a letter from XXXX bank about my amazon acct stating this is an attempt to collect a debt. Called the number on the letter and it is Portfolio Recovery who I already paid the debt off to in XXXX on the XXXX acct. They reposted the same debt on my credit report and are trying to collect the same debt from me twice under a different name. I reported this to the credit bureaus all but XXXX will not take it off.
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I was a victim of fraud and identity theft a few years ago, resulting in my Chase bank account being compromised with charges I did not make. Chase investigated and determined fraud was present and the bank account was closed. During the investigation Chase started accruing fees on the account which totaled over {$330.00}! For over two years I have disputed the fees and finally a Personal Banker, XXXX XXXX XXXX ID XXXX sat down and researched the account and conferenced the Chase Fraud Department via phone. At which time it was concluded that the fees should not have been charged and that I should not have anything derogatory on my credit reports or any negative blocks which are now preventing me from opening any new bank accounts! However, the Fraud Department representative was unsure how to update the account due to some 2 year limitation that prevents them from changing a record. Thus, I was referred to Chase Bank 's Executive Office, XXXX XXXX, at XXXX. After leaving a message XXXX XXXX returned my call and asked me if I was seeking legal action against Chase Bank and then told me he would transfer my issue to the proper department, and if I did not hear back from him within 48 hours to return a call and notify him. I returned a call to XXXX XXXX and a woman answered and refused to transfer me to XXXX XXXX. She then transferred me to Chase 's Collection Department, at which time a verbal demand was made to me for {$170.00} and some change or else all the negative information attached to my identity would remain and I was told I had to pay in full by XX/XX/XXXX! Not one entity with Chase Bank has been willing to contact the Personal Banker who finally attempted to assist me to resolve this lingering burden, nor have they made any attempt to confirm with the Fraud Department! Meanwhile, I remain a victim, and continue to be negatively impacted!
Consumer complaint received 2016-03-17
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IL)

I was contacted by a former vendor I had used to repair my PC, who called me up and stated that they were going out of business and wanted to repay me $ XXXX.They asked me to click their company 's link and I gave them information to credit my bank account. Well, they called and said their new customer service rep had inadvertently transferred {$2500.00}, which showed up in my online banking transactions. They requested I go to Western Union and they gave me a print out of who to wire {$200.00} to someone in XXXX. At this point the vendor had control of my PC and had placed a password lock on it so that I could not utilize it until I had satisfied their requests. I was then told that another {$2500.00} had be placed in my account, which appeared on my online statement. Then there was another {$2500.00}, followed by a {$9000.00} deposit to my PC.. Finally realizing what was happening I quit sending money after I had sent a total of {$7300.00}. The following morning I reported this to my bank, XXXX XXXX, and they closed my account. I visited the bank that day and was helped to perform stop payment on a number of disputes. I posted a police report. I was told I was not eligible to receive the {$7300.00} in money fraud from my bank even after elevating this to the district manager.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and requesting thorough investigations, I have not received any resolution or corrective action. These errors are severely damaging my credit file and affecting my ability to live a normal life. The negative impact has caused significant hardships, and I am urgently seeking your assistance in addressing this matter. 

I kindly request a comprehensive investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control of my financial well-being. 

I sincerely urge you to give this matter your immediate attention and take prompt action. Your cooperation and support in resolving this issue would be greatly appreciated. Thank you for your understanding and assistance.
Consumer complaint received 2015-06-01
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CNG FINANCIAL CORPORATION (FL)

I keep getting calls from various numbers every so often ( over the last 4 years ) they will call under a different name and with threats from a public server that I will be served at home or work withing 24 hours. They have also contacted my ex-husband and mother-in-law continuously.. when i ask the name of the company and address, they give me nothing but today a person named XXXX XXXX called and said he will serve me within 24 hours. I am not sure if this dead debt is being tossed around to several collections companies every so often ... ..I need them to produce info, take me to court or something, but I just keep getting harrassed and no info from them. here are XXXX of the numbers that called me today from the same place ( XXXX ) ; ( XXXX ).
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX/XXXX/2015 I issued an XXXX eCheck to Wachovia/Wells Fargo Bank in XXXX VA for the sum of {$170.00} to be deposited in account # XXXX. On XXXX/XXXX/2015 the Wachovia/Wells Fargo Bank in XXXX VA deposited the check into account # XXXX XXXX. Clearly and admitted by numerous Wells Fargo employees, that this was a mistake, they have refused every effort to rectify the matter. Wells Fargo has said the {$170.00} has been removed from the incorrect account but they have no mechanism or procedure in place to put it in the right account or return it to the issuing bank ( XXXX ). They offered no recourse.
Consumer complaint received 2015-12-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I was charged {$25.00} on a free student checking account as a monthly fee with no notice, after 5 years being a customer of the free checking account. My savings account was also closed. When I asked about the fee, I was told that " as a result of a technical issue, some Student Account were mistakenly converted into either a Citibank Account Package in XXXX and XXXX. '' I noticed the fee and contacted Citi and was told that they are working on the problem but have no timetable for when the fee will be added back to my account.
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

When I established my mortgage loan with Pennymac, I was told that the PMI that was on the original loan would be dropped. As I look at the loan that was underwritten by Pennymac, I see that there is still PMI on my loan. This was promised to me by your organization. 
I want the PMI dropped, to disappear, to go away. My credit score is very high. I will refinance with someone else if you ca n't make this happen. 
Thank you, XXXX XXXX
Consumer complaint received 2015-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo refuses to refinance existing home mortgage loan under HARP guidelines. Mortgagor again called Wells Fargo Home Mortgage ( XXXX, spoke to representative named XXXX ) on XXXX/XXXX/XXXX, and Mortgagor was not permitted to initiate refinance application under HARP guidelines because Wells Fargo Home Mortgage is not yet ready to implement new RESPA requirements -- according to WFHM representative named XXXX. Mortgagor requested XXXX to put verbal statement in writing to Mortgagor. 
Mortgagor in good faith attempted to refinance existing mortgage loan XXXX times since XXXX, but Wells Fargo Home Mortgage sabotages every application by requiring unnecessary qualifying documentation, low valuation property appraisals, and high conventional closing cost projections. Mortgagor paid {$210000.00} for mortgaged property in XXXX, put down {$42000.00} cash, reduced outstanding mortgage loan balance from {$160000.00} to {$130000.00} and invested more than {$50000.00} in property improvements. 
Wells Fargo Home Mortgage has stonewalled every complaint filed by Mortgagor. Wells Fargo Home Mortgage has made false statements about Mortgagor 's excellent installment payment history. Wells Fargo Home Mortgage can not produce required documentation such as signed Uniform Residential Loan Application from XXXX. Wells Fargo Home Mortgage has manipulated mortgage loan from being non-conforming to XXXX approved in XXXX.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

Hi, I have had a credit card with Citi since 2000. Never been late with Citi or ANY credit card company, mortgage, auto or any kind of creditor all my life. Unknown to me, my credit card statement was switched to paperless. As I always off my cards all the time, is I do n't get a statement I do n't know what is due. My credit card with Citi had {$0.00} balance. Auto payment of {$24.00} was charged to my card and since I did n't get a statement I did not know about any charges to my Citi card. When 30 day has passed, Citi reported 30 days late. This was unacceptable because I have not had any late payment on all my credit cards. I called to complain about this issue to Citi and they switch the statement to regular but are refusing to help to clear the 30 day reporting from my credit.
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX, XXXX are debt collectors and violated the terms of the credit card agreement with Capital One by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. 

This complaint is being submitted in order to allow XXXX XXXX XXXX an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OR)

I paid off my auto loan with Santander Consumer USA XX/XX/2015. XX/XX/XXXX I received in the mail a release of lien to file with the DMV, I also received a letter stating my Santander Consumer account was paid in full. As well my credit report currently shows the account as paid off, I sent the release of lien in to the DMV in XX/XX/XXXX when I received it. On XXXX XXXX, 2015 a repossession agent from XXXX XXXX XXXX showed up at XXXX XXXX to repo my car. I stated to the individual I had a copy of the release of lien on the vehicle and a letter stating from Santander Consumer my account was was paid in full. I showed all documentation to the gentleman, he then stated he 's never seen paperwork like that out on a repo before but he had a order of repossession and had to take it. He, then took pictures of documents I showed him and let me get my belongings out of the vehicle. He was very polite let me gather my belongings and then took the car. The following Monday morning I called the DMV an they stated their was currently no lien holder on the title. I then called Santander to find out details to why the repossession took place. The first person stated He was very sorry and my vehicle would be returned in the next couple hours in my driveway, it should of never been repoed in the first place account is paid in full. He put me on hold an a few minutes later said it was all taken care just needed approval from a upper level manager an it was all done. The manger would call the repossession company for return. I then waited an called again a few hours later. An I spoke with a lady, she stated I had some of my payments Return due to NSF charges on my account which is totally false I paid the balance in full. An have the confirmation numbers for all payments and postings to my account. She stated she wanted {$6000.00} to get my vehicle back and an could not issue me a copy of the full account payment history. An if I did n't pay my vehicle would be sold on XX/XX/2015. This is totally bogus I never even received a letter or statement asking for payment or letters retaining to demanded payment or repossession notices.
Consumer complaint received 2016-01-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc. (MD)

My purchase of a XXXX machine and supplies in XXXX of XXXX, was billed as a rental by mistake. While waiting for the error to be corrected, I paid {$600.00} towards the bill as I knew I owed something, but I thought it was less than the amount I paid. I thought I would receive a refund. Even though the mistake was corrected to reflect a purchase, the company and the billing partners are still attempting to bill me for amounts I do not owe. In XXXX of XXXX, one of the billing partners refunded the {$600.00}. Then I paid {$69.00} for the XXXX machine and supplies. That should have ended the matter, but one of the billing partners sent the matter to collections. I do n't owe anything further.
Consumer complaint received 2016-03-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TN)

XXXX/XXXX/2016 while looking at cars on a XXXX lot was encouraged by salesman to apply for car loan while unemployed and anticipating job offer. Offered deal, made down payment pending job acceptance and received truck. Next day advised salesman job offer not made needed to return truck. Received immediate credit denials from major financials XXXX, XXXX, XXXX. Upon contact was originally told by salesman could return truck but needed to speak with sales manager who was out til the following week. Received the run around when trying to contact sales manager on XXXX/XXXX/16 by woman in sales office would need to make XXXX car payments and they 'd allow me to trade out. Unacceptable with no job. Following 2 week runaround truck returned to dealership and has remained at dealership. Received a statement from Santander Consumer Financial that they processed a loan for truck.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXXXXXX  SS XXXX
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NJ)

On or about XX/XX/XXXX, I opened a business account. XXXX XXXX XXXX XXXX, with Truist Bank at XXXX XXXX XXXX XXXX XXXXXXXX, with an initial deposit around {$8000.00}, give or take. Within a month and half Truist closed the account with no explanation as to why. I called a few time throughout the month for some type of update or status, which I was always advised that they're still doing their investigation and no determination has been made. 

Around XXXX XXXX I received an account statement in the mail with the account closure of XX/XX/XXXX. ( CLOSE OUT XXXX  XXXX, {$3900.00} ) and ( CLOSE OUT XXXX  XXXX, {$4000.00} ) My online privileges were suspended as well so I was never allowed to check on any activity regarding my business account through out this time either On XXXX XXXX XXXXXX/XX/XXXX, I was finally able to speak with a Loss Prevention Rep ( cant remember his name ) but he advised that the {$3900.00}, was returned to me, which it was. When I inquired about the remaining {$4000.00}, he advised that, that is not being returned due to fraudulent activities. When I asked about the fraudulent activities, he was referring to, he said he didn't know or he was not a liberty to say. When I asked to speak to a supervisor or to someone who did know because I needed further explanations, I was denied. 

I can mail in hard copies of my paperwork. It's not currently scanned into my email so I am unable to upload it at this time. Please advise. 

Any assistance and or answers or money you can provide or retrieve would be greatly appreciated.
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

I am having difficulty resolving an issue listed on my credit report with SANTANDER CONSUMER USA, a creditor. I have attached a copy of the account for your review. Here is an explanation of my account : " I fell behind ( twice ) on my car loan and it was repossessed in XXXX, XXXX and XXXX, XXXX. A fee of {$370.00} was added to the account for both occurrences. I paid my car off, of the principal balance in XXXX, XXXX. In XXXX, XXXX, the car loan continued to be extended ( for fees incurred by the creditor ), even though my principal balance was paid in XXXX, XXXX. The payment changed from {$240.00} to {$200.00} a month, during this process. In XXXX, XXXX, {$7.00} showed as the remaining principal balance. XXXX, XXXX, the same amount showed as a principal balance of {$7.00}. It continued and in XXXX, XXXX, the balance was still {$7.00}, even though I paid the principal off in XXXX, XXXX. I paid the {$7.00} on XXXX XXXX, XXXX. The balance as of XXXX XXXX, XXXX, now shows {$0.00} cents. When my counselor and I called SANTANDER CONSUMER USA, they said they are keeping the account opened with a {$0.00} cent balance so they can collect over {$1000.00} in fees. I believe this is not only unfair, but negligent on the creditor 's side. I have already paid the balance in full and the creditor continues to charge me fees. I am seeking to resolve this matter, with your help and request the fees to be removed entirely and make the balance on my account reflect zero on the credit report. ''
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

between the months of XXXX XXXX and XXXX XXXX, my mortgage principle balance has gone up XXXX ... why? every month I see " other charges '' of anywhere between $ XXXX {$800.00} but never an explanation as to what these " other charges '' are. I 've also asked for a copy of the initial documents I signed detailing all the charges and particulars of my loan. I 'm told Seterus does not have them so oh well ... no documents for me and no way to know if what they are charging is within the detailed loan specifications or not. How can they just create charges with no type of explanation at all. Most of the loan agents are curtious but really know very little pertaining to your loan at all. Some of the agents are just straight up bullies.
Consumer complaint received 2016-02-13
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

Am reporting in hopes of saving someone else more than thinking that I will ever get my money back. 

Was contacted this morning by a person claiming to be my son-in-law, allegedly in jail after crashing his truck into a utility pole. The voice and inflection of the voice did indeed sound like XXXX. He turned me over then to his alleged lawyer who explained the immediate need for {$2000.00} cash to get him released. Sent the money via MoneyGram to a XXXX XXXX in Delaware. Then got another phone call saying there was a new complication that another {$1800.00} was needed and realized at that point that I had been taken in. Rushed back to WalMart were I executed the MoneyGram transaction, they immediately check and the money had already been picked up. The MoneyGram reference number in this case is XXXX.