davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, TransUnion, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

Back in 2003 I, XXXX XXXX XXXX, was the victim of Identity Theft. I filed a police report. I learned that ASSET ACCEPTANCE , LLC bought a debt from XXXX, and placed a lien on property. 

I ask that you help me get the judgment lien released. Its XXXX XXXX XXXX number XXXX, judgement lien number XXXX. I read on the FTC 's site about a lawsuit invovling Asset Acceptance, but have not been able to get a meaningful response from Asset Acceptance.
Consumer complaint received 2016-04-23
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MI)

Fraudulent charges by American Express Travel Insurance were made on my American Express Card. I purchased airlines tickets on XXXX different airlines for myself and a friend, on XXXX XXXX, 2015. When I viewed my statement there was several charges for baggage, travel delay and accidental death. I contacted the company and told them multiple unauthorized fees were charged for a non-covered person and myself. I was told effective XXXX XXXX, 2015 anyone traveling on my account would be covered. I never received a notification regarding the new rules. After speaking to several people the baggage and travel delay charges were removed but to this day they have refused to credit my account for the ( XXXX ) Accidental Death charges. Insurance Representatives claim they received airline charges after XXXX XXXX, 2015. I believe my airline charges were deliberately withheld until after XXXX XXXX. I have spoken to several people and emailed an executive at American Express who has not responded to my email. A couple of representatives I spoke with by phone went out of their way to help me get a refund on the AD & D as I had for the other charges but were unsuccessful in getting a refund from the Insurance Division. I have been a long term customer of American Express and have never encountered a problem, any concerns bought to their attention were promptly handled.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I was evicted from my aprtment complex due to my rent going up and me not being able to afford it. I was getting assistance from XXXX company so that I could pay a portion of my rent. My apartments filed against me stating that I owed an amount of about XXXX. I was taken to court and there I filed a paper affadavit since I wasnt able to afford to pay that much. I was told to pay to the clerks office a set amt each time so that I could eventually pay off the debt. Each time that I made a payment I would get a receipt. When the time had come for my final hearing in court, my apartments stated that they sent me a letter and even called me to inform me of the court date. I received the letter of notification in the mail weeks later. I was eventually put out of my apartment and had to move in with my parents. Shortly after this I was contacted by National Credit Systems and was informed of my debt to my apartments. I was totaling over XXXX. I started on a payment plan with the company for {$50.00} a month. Everything was going smoothly until I was charged XXXX one month. I spoke to a supervisor and it was straightened out. I continued to make payments of {$50.00} a month. They were taking out my payments on different days which was n't discussed with me. I was charged XXXX again for {$50.00} and told them that I did n't want to be on monthly billing anymore. I was charged every third and fourth Thursday or at least that when I was supposed to be charged. I started to make payments on my own and got my balance down to just a little over XXXX the balance was XXXX to be exact. I was going to make a payment of {$300.00} around XXXX. They stated that my balance was XXXX. I asked XXXX which is the person that handle my acct. She stated that there were fees added from XXXX. I wanted more clarification on this matter and spoke to her supervisor. she stated that she would do more research and call me back. She didnt return my call. I called back 2 days later and was told that my balance was XXXX. I asked again why the balance was different and was argued with. I am trying to be an honest customer and pay my debt but I refuse to do so if a company wo n't clarify why the amt of the debt increased. I hope that this complaint is researched and I receive a follow up for it very soon. Thank you for your time.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE (OH)

I fell behind on my payments to my Barclaycard credit card by over six months. I contacted Barclaycard to see if I could work out a payment plan on the account before it was forwarded to a collection agency. The account services agent that I spoke with said that I could set up a payment plan beginning with XXXX 'good faith ' payments of {$19.00} a month for three months. At that point they said that I could increase the minimum payment and my credit card would be reactivated and carry a current balance instead of a past-due balance. This was on XXXX XXXX, 2016. Within a few weeks I was contacted by a collection agency that informed me that Barclaycard sold my account to them to pursue collections. Since XXXX XXXX, Barclaycard has continued to charge my bank account $ XXXX monthly. I contacted Barclaycard three times and was told on each occasion that someone was working on my account and would get back to me. The collection agency that contacted me told me that there was nothing that could be done since the account had been sold off to them. The representatives from Barclaycard informed me that a mistake had been made and that my account should not have been sold off to the collection agency but they have not taken steps to rectify the situation. My bank account is still being charged and it seems to me that Barclaycard illegally sold my account in violation of an agreement that I entered into contract with them on.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (LA)

I obtained cellular service from XXXX in 2014 ( Account XXXX. XXXX ) ; however, it did not work at my location. We spoke with XXXX employees that told us we could get a refund ( see attached ). We were then sent notices ( and continue to do so ) from various collection agencies ( XXXX and XXXX and most recently Diversified Consultants. XXXX XXXX XXXX ). We have sent the first XXXX copies of all correspondence and never heard from them again. Now we get the same notice form Diversified Consultants , Inc .
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I paid off over {$7000.00} in credit card debt with USAA Federal Savings bank. However, the bank has placed a ten business day hold on the payment. I was not informed of this prior to making the payment, and in the past payments have never taken more than three days to process. Now I am deprived of liquidity for over two weeks and several expected payments will be missed. USAA claims that they have no power to change the hold period which is strange considering that they created it This is just another way to profit by holding onto funds for an excessively long period. This payment could be processed nearly instantaneously if the bank wished it so. Although the possibility of a payment hold is disclosed in the card agreement, it is buried in fine print and has never been applied in this way before. Had I known in advance, I would have retained some cash on hand.
Consumer complaint received 2017-02-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo Dealer Services has refused to comply with the federal guidelines and regulations dealing with the accuracy of my account information. Starting in XX/XX/XXXX they have inaccurately reported late payments to Credit Reporting Agencies which I 'd like corrected, as I have never missed a payment on the auto loan. To date my credit report shows that I have a total of 30 late payments which has an extremely negative impact on my credit score ( 58 % to be exact ) which is preventing me from purchasing a home at a decent interest rate among other things. 

On XX/XX/XXXX I attempted to resolve this issue by disputing Wells Fargo Dealer Services ' error with XXXX, however the only " correction '' Wells Fargo Dealer Services made to update my latest payment status from 60-89 days past due to 30-59 days past due as well as remove the late fees. However that 's not enough, as I need the late payments reflected on my credit file to also be removed as soon as possible. Oddly enough, Wells Fargo Dealer Services submitted documentation to XXXX to reflect I 've never had a past due balance, but somehow neither XXXX or Wells Fargo Dealer Services corrected the error on my credit file showing 30 past due payments. Again, Wells Fargo Dealer Services confirmed ( in writing ) that I 've never had a past due balance, but my credit file is still incorrect. I supplied XXXX with all payments I 've made to Wells Fargo Dealer Services starting in XX/XX/XXXX, as that was as far back as XXXX would allow me to go using their online services. However the evidence I submitted was sufficient considering my dispute does n't claim inaccurate reporting until XX/XX/XXXX. My credit file should not reflect any late payments from Wells Fargo Dealer Services. I do not have any accounts in collections and do n't have any accounts to reflect late payments with the exception of Wells Fargo Dealer Services. I attempted to resolve this issue directly with Wells Fargo Dealer Services, however the only response I received was a letter confirming that they 'd received my inquiry. I need my credit report to accurately reflect that I am and have ALWAYS been current on this account as soon as possible and would appreciate your assistance in getting this resolved. 

I have attached a copy of my online dispute to XXXX which includes my bank statements reflecting my payment history with Wells Fargo, I 've also attached the XXXX online dispute findings which state in part " We have researched the credit account. Account # XXXX The results are : The balance of this item has been updated. This account has been updated. The prior paying history on this account has been updated. " ... However the payment history has NOT been updated to reflect that I 've never been late on or missed a payment. I just need this resolved and I need Wells Fargo Dealer Services to simply stop inaccurate reporting.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX continue to harass me about a debt that I have no knowledge of. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this. Not only this, they called asking for my XXXX year old son and when I told them that my son was only XXXX the man replied " there 's no way that 's possible. I 'll find a better number to reach him at. '' They hung up on me and continued to call multiple times after that.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CO)

My wife and I were a victim of check fraud at US Bank. There have been so many things wrong with this situation that I have chosen to reach out for help and to hopefully help others while making sure certain people and US Bank is held liable. First off, we are from XXXX. Someone else 's check was stolen in XXXX on the WA XXXX border. The thief cashed the stolen check in our ( my wife 's name ) at a US Bank in XXXX on XXXX XXXX border. As soon as we were notified ( not by US Bank but by looking at our account ) we immediately turned it in the the fraud department. All our accounts were froze for the investigation to begin. We immediately opened another checking account through US Bank as life goes on and we needed money. US Bank opened another account for us and did NOT put any flags, notices, restrictions or notes about being recent fraud victims and our account was hacked AGAIN within one week of opening our new account in XXXX about XXXX miles from where the first fraud happened. BOTH instances the thief walked into the branch posing as my wife with NO acct # and NO second form of ID ( debt card etc.. ). They were able to withdrawal the money both times. After that happened we again closed our account. We filed another fraud claim. 2 weeks into the first claim the fraud department did NOT even have our claim. We have been trying to work non-stop with our local branch and over the phone with the US Bank customer service as well as with the fraud department. We have been given XXXX provisional credit even with proof from US Bank surveillance. On top of that our local branch has treated us VERY badly. We have been told that it is not that big of a deal, it will get dealt with at some point and to stop calling multiple times a day trying to speak to a representative that went out of their way to ignore us.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed XXXX public records of bankruptcies showing on my TransUnion credit report. TransUnion responded with investigation results of " verified, no change. '' California Federal Courts do not report bankruptcies to credit bureaus. An employee looking at their computer screen, seeing my name listed in an Internet database is NOT verification or validation of any alleged bankruptcy. TransUnion can not provide me with any viable evidence of verification or validation of these bankruptcies which is a violation of my rights under the FCRA.
Consumer complaint received 2016-05-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

My client is trying to do a short sale with XXXX bank. XXXX bank is stating that there is a second lien that is not paid off with XXXX XXXX XXXX Bayview XXXX She filed for Bankruptcy and this account was included in the bankruptcy. She was making monthly payments to the trustee and once the process was done her attorney told her that the account has a zero balance and that she should be receiving the deed to her house. Her attorney has no idea why there is a XXXX balance and why Bayview keeps sending paperwork for her to go to court when she does not owe anything.
Consumer complaint received 2016-05-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XX/XX/XXXX and XX/XX/2015, I ordered XXXX items using my Citizens Bank debit card. The first was from XXXX XXXX for {$910.00} and the second was from XXXX for {$130.00}. Both of these items are being refunded to my debit card. However, I closed my Citizens bank account ~ 2 weeks ago and thus can not access the original card nor the account to which the funds will be returned. 

At this point, I have confirmation that the {$910.00} refund has already been processed and a confirmation that the {$130.00} refund is in the works. 

When I spoke to both companies, both said the same thing - that banks have procedures in place for these instances and can cut me a check. However, when I called Citizens Bank, I was told that " It 's really difficult to get that money now '' and then bounced around from representative to representative for several hours. I am now on my 3rd call with them today ( As I am writing this, the call just passed 1 hour and 55 minutes on hold ). So far no one at Citizens has been able to tell me when / how the funds will be returned to me. Instead, they have simply bounced me around from department to department and disconnected the call multiple times. This seems more like a stall tactic than anything else.
Consumer complaint received 2015-08-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

We have a letter from Springleaf Financial showing that they reported our account incorrectly to the credit bureaus. WE were in a bankruptcy and in the process of having it dismissed when Springleaf started reporting our loan as delinquent even though we could not communicate with them. When we got out of the bankruptcy, we went into negotiations with them to pay them back. We paid them back when we sold our house in full. They incorrect reporting has continued to hurt us to purchase a home.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report for trans union. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

we fell behind in mortgage, way behind. we have tried for loan modifications several times. one company took {$2500.00} and closed up shop taking my money with them. Rushmore, the mortgage company told me they would do modification for free, take 30 days. I called about 3 months later after never hearing anything even after phone calls and told they never did it and it takes 6 months!. we have gone to many people, taking money up front, even after I told husband not to do it, and no where. I cant do thru bank either. Now on XXXX XXXX I got a letter telling us that we had to sign our keys over to Rushmore by XXXX, 2016. That we would get only {$2500.00} AFTER they decided if it was acceptable to them. I have since got a letter from a lawyer telling me that the auction on property is XXXX XXXX, 2016 at XXXX XXXX. If it is being sold at auction then Rushmore is in now way going to give me moving expenses since they will then no longer own property. we have not sent back their letter. I do not have means to move as rents in my area are as high as mortgages! we also have a XXXX yr old son that they are putting out on street. We need longer then XX/XX/XXXX to get up funds and need much more then the {$2500.00} they offer.
Consumer complaint received 2017-02-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (CA)

On XXXX XXXX, 2017, XXXX XXXX Loan License mortgage loan officer who worked with AnnieMac Home Mortgage located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX with office number : XXXX ( XXXX ) XXXX. She called me and e-mailed and offered me refinancing my property to save my mortgage payment. After we talked over the phone, she e-mailed me requirements to submit to their company directly to her. My partner and I submitted our documents together. Our documents contains our personal information, financial information, tax records, from our social security to our pensions together were all submitted to her. After completing submitting all the documents, I never hear from her anymore. I called and left messages and emailing her and still no response from her. After couple of days, I called back again and the sales department told me that she was no longer working there and he told me, the manager will be calling me. I never received any calls anyone of them until now. Just our concerned was, " where are our documents ''? Are they safe? Are they with XXXX XXXX? Despite of my calls and e-mails to this company, nobody will email me back at least will tell us what was happening? They claim that has been in business for 20 years helping families, but it seems that they are scammers getting personal financial information to innocent family like us. This company should be flag giving warning to the public.
Consumer complaint received 2017-03-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

In accordance to fcra section 609, this account was disputed XX/XX/XXXX. Ad astra recovery did not respond to intial dispute within 30 days as allowed by the FCRA. They have continued to report innaccurate information to all XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were intially disputed. Ad astra Recovery Service has continued to attempt to collect debt they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this including a previous dispute to CFPB.They have blatanly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, i have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue at hand. The accounts need to be removed. They also stated that they have sent documentation which is false. Nothing since they placed on my accounts has been mailed to me, The second issue is that it had been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious they are not.They have deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one.
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

First, I never received a bill from XXXX. I received and paid both XXXX Hospital bills but this other organization never contacted me. In fact, I was not aware of any charges until they appeared on my credit report. After SEVERAL attempts over nearly XXXX years to correct the amount charged by sending an XXXX, still no change has been made. My XXXX shows the amount to be paid should be {$260.00} but the amount from collections is over {$900.00}. The smaller claim has been corrected from {$400.00} to {$86.00} but I am not willing to pay this company until all charges are correct.