davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
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: EQUIFAX, INC. (NV)

On my Equifax credit report, I have a negative item from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NV XXXX in the amount of XXXX. 

On several occasions over the past month I have disputed with Equifax that this debt was was actually paid as agreed, and requested proof that the debt was not paid as agreed. Each time I receive a reply that that have confirmed that the debt is being reported accurately. 

However, on not once has Equifax or XXXX XXXX XXXX XXXX been able to provide me with a single document showing that I did not pay the debt as agreed, even though I have requested such documentation. It appears that Equifax is simply asking XXXX XXXX XXXX XXXX " are you reporting this accurately '' and taking their word for it. 

How can Equifax be verifying this debt without having some sort of back up documentation that it was not paid as agreed? Why hasn't this documentation been provided to me? A ledger card, contract, or any number of other items would suffice in proving this debt was not paid as agreed. I have attached my most recent request to Equifax that outlines some examples of documents that would satisfy me as proof that I did not pay this debt as agreed. 

How can it possibly be legal, or ethical for a company to that is responsible for providing accurate consumer information to report such information and then claim that have verified it without providing appropriate documentation of the debt?
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

Since opening my account with PNC Bank I've had many issues, especially after applying for an XXXX XXXX position! The extra ATM Bank fee of {$3.00} is Federally illegal, and they state XXXX didn't input the {$57.00} into my account, but they never released funds on XX/XX/XXXX, or XXXX, an so the bank issued a provisional credit, after I received the credit and spent monies they state provisional credit was removed by bank. I received a letter post marked XX/XX/ stating PNC is withdrawing {$57.00} from my account, on XX/XX/XXXX this was done, and {$7.00} overdraft fees daily on top of {$36.00} overdraft initial fee due to XX/XX/XXXX taking back the {$57.00} due for merchandise I never received! How can this be legal? I called FTC to file complaint and received a letter postmarked XX/XX/, yet I didn't receive this letter till XX/XX/XXXX Seems to me PNC Bank, and FASFA not paying for transcripts, XX/XX/XXXX, and every higher education facility is against XXXX XXXX and using crooked business tactics, social prejudices to hinder our businesses!!! Please investigate, stop PNC from their extra charges including extra ATM Fee out of network use fees, and include me in on any class action lawsuits? Thank you!!! 

From : XXXX XXXX XXXX
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sonnenschein Financial Services, Inc. (IL)

Sonnenschein Financial Services reported to my XXXX credit report a {$200.00} from the City of XXXX. This agency claims to now own this debt from the City. They claim that this citation is due to a XXXX violation. The violation was contested and an appeal date was granted and the violation was dismissed. For whatever reason the debt was not dismissed and doubled to {$200.00}. I have made daily attempts at contacting this agency and am always greeted by an automated service. Messages left to their voicemail service go unreturned and considering failed attempts at contact, I am left questioning the legitimacy of this agency and their debt.
Consumer complaint received 2018-04-27
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. (TX)

I checked my credit report on Experian in XX/XX/XXXX and found a collection from XXXX XXXX XXXX XXXX for {$320.00}. However i paid that original bill of {$280.00} in full to XXXX XXXX XXXX on XX/XX/XXXX. 

I opened a dispute on Experian 's web site and uploaded proof of the payment, but it was not removed from my credit report. I called the phone number listed on XXXX XXXX. XXXX XXXX XXXX web site for their billing service and they told me they no longer bill for them and to call XXXX XXXX. XXXX XXXX XXXX directly. 

XXXX XXXX. XXXX XXXX XXXX gave me the number of XXXX ( their previous biller ), but XXXX told me to speak to XXXX XXXX. XXXX XXXX XXXX and neither of them can find my account as I'm told the billing companies switched in XXXX. 

Experian 's web site says I can add a comment to this collection explaining my side of the story but there is not a way to actually do that! I spoke to someone on the phone at Experian who was not helpful in resolving this matter, and so I saw the option to contact the CFPB for further assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by XXXX activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to XXXX Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster.
Consumer complaint received 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

In 2009 tried to reduce the interest on the Sallie Mae/Navient consolidated loan to the rate being charged on student loans and was told that because it was a consolidated loan the interest rate of 9 % could not be lowered to the federal student loan rate, at that time approximately 3 %. Now the current rate f.or federal student loans is 6 %. Navient, a private loan company, is getting rich off of federal student loans that it keeps at a high rate of interest.
Consumer complaint received 2018-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo is my home mortgage company. I have always paid weekly and I have always paid hundreds of dollars over the that monthly amount due. In XX/XX/XXXX, I contact XXXX XXXX to increase my weekly payments by {$150.00} per week / {$600.00} per month, stating that I wanted this to all go to principal. They agreed to do this and sent me a letter confirming it. Starting in XX/XX/XXXX, the new additional amounts were withdrawn. But when I reviewed my XXXX - XXXX - XX/XX/XXXX statements, I literally could not see where the extra money was going. In fact, it looked like I was actually paying less in XXXX then I was in XXXX. I called Wells Fargo on XX/XX/XXXX around XXXX EST. I was on the phone with them for 2 hours and 15, in which they kept insisting everything was fine and I just was not reading the statements correctly. Then I mentioned to the representative that I felt like something fraudulent was going. Suddenly everything changed. XXXX from CA ( WF # XXXX ) got on the line with accounting and had an answer back in 5 minutes : Instead of applying the extra money towards the principal each  month, Wells Fargo simply took that money and applied it towards the next months payment. When I explained to her that this was not what I signed up for and it was not explained to me this way in XXXX, she said someone from their " Executive Office '' would call me on Monday XX/XX/XXXX. I asked her to confirm that by forwarding my extra payments to the next month 's payment, I would actually end up paying more interest vs had the extra money just applied to principal, XXXX confirmed this was true. When I called WF in  XXXX to up the amount I paid weekly, I was assured that these extra payments would all go to principal. I believe that WF has been fraudulent. 

On XX/XX/XXXX I submitted a complaint the CFPB - # XXXX. Wells Fargo responded beyond the 15 days time period stating that they could not " respond '' because of an unauthorized third party. Wells Fargo also sent me a letter on XX/XX/XXXX from XXXX XXXX XXXX, Executive Resolution Specialists, Customer Care and Recovery Group, XXXX, ext XXXX. XXXX XXXX did attempt to call me. I returned his call after I received the paperwork and requested we set up a call to discuss. He never returned that call. The letter and supporting documents that Wells Fargo sent does not resolve this issue. They state false and incorrect information in the response letter and do not address the questions and requested resolutions from the original complaint. So here we go again with round 2, wasting everyone 's time.
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

A collection account by security credit services opened in XX/XX/2017 for the amount of {$1900.00} that I do not owe and have no knowledge of why Im being charged for this account. Ive repeatedly stated that I do not owe this company anything. The company has contacted me via phone and Ive told them I do not know who this account belongs to but it isnt mine. Ive reported it several times on the XXXX and XXXX credit bureau. It was removed off of XXXX  so I dont understand why it isnt being removed from the other credit bureaus.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I am a member of Experian. I can log into my account and see what they have regarding my credit report but they have reported alerts in which my email address and passwords are on the dark in three instances and I have questions so I called the number in that section of the web site. The problem is that I have tried 4 times over the last two days. XX/XX/XXXX and XX/XX/XXXX and waited online between 30 to 45 minutes each time and no one ever answers answers. They also give you no idea how long it will be before someone answers. I also see no way to email someone. The only way they show to contact you is by post office mail. They obviously have inadequate staffing and should provide alternatives to contact them other than by sending a letter through the post office.
Consumer complaint received 2018-04-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (CA)

To whom it may concerns, I received a call from XXXX XXXX on XX/XX/XXXX and I agreed to pay my settlement which is {$3000.00} by the end of XX/XX/XXXXand they had it on record tape. But the they after which is XX/XX/XXXX they withdraw fund from my account and left a negative balance + overdrawn fee in my account. I called them and they admitted that it was their fault and agreed to pay the overdrawn fee for me. But I am really not happy with it since 6 days with XXXX balance in my account and I need to pay so many things before the end of this month. Can you please help to file a claim against this company. And if it's possible I would like to get my money back since they act was against their words and I didnt receive any mail or notice ahead of time. They basically just called and rushed me to pay for it. Please help. Thank You!
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I received three letters dated XX/XX/18, one for each of my accounts with MUFG Union Bank, Business Checking, and Personal Checking and Savings, indicating that they would be unilaterally closing my accounts on XX/XX/2018. The letters indicate that they must ensure that they are in Federal compliance with the USA Patriot Act and the Bank Secrecy Act, and that after reviewing my transactions, they have decided to close my accounts. I operate a legitimate business and have not made any business or personal transactions that would have triggered this action. I contacted their BSA compliance department, which subsequently returned my call indicating that they could not elaborate as to exactly why they closed my accounts and told me that there is no avenue to appeal their decisions. The BSA compliance department referred me to the office of the President. After several days I received a call from the Office of the President and they would not provide me any specific information as to why they closed my account, simply stating that the account agreement allows them to close the account at any time. By not providing me a basis for their closing of the accounts, I view this as either a false accusation of criminal activity or as simple and blatant discrimination against myself or the nature of my business.
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Franklin Collection Service, Inc. (CA)

Franklin Collection Service , Inc. attempted to collect a {$70.00} debt from an old XXXX XXXX XXXX account that I have not held for many years since I had transferred it to my roommate in XX/XX/XXXX. 

When my roommate had moved out and closed the account in XX/XX/XXXX, he stopped making payments which was when it got to collections. In some weird mix up, they had tried to contact my old roommate in his new address in XXXX XXXX, and yet some how still associate the debt under my name. I had only found out about it at the beginning of XX/XX/XXXX, by the virtue of my credit report. I quickly contacted them and out of confusion and panic, I had paid for the amount just so that I can get rid of it from my report. 

By law, I should have been given a 30-day period to either pay or dispute the charge. However, I was never contacted by anyone from Franklin Collections and according to their representative, the letter was sent to my roommate to an address that Ive never lived in. Even after contacting them and stating this on the phone and over email, they have still not gotten back to me and refuse to remove the collections from my report.
Consumer complaint received 2016-08-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I opened a joint auto loan accountwith Wells Fargo ten years ago. They have illegally changed and kept changing the last reporting date and account opening date so they can keep this on my record. They are listed twice on all XXXX of my credit reports with ( XXXX, XXXX, and XXXX ), each hit has different dates of opening and last date of report. This is OLD information and should be verified and removed. Account opened in XXXX 2006. was for 72 months long.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

The short sale has been under review for 79 days. The first issue is, despite my third party authorization has been on file and I hav e asked Capitol One at least 15 times to update MY phone number (  XXXX  ) to their system to call me for updates and or document request. Capitol one says they will update the information but never do because they keep calling an invalid number and never inform me with what they need. When I call. customer service keeps asking for completely irrelevant documents such as hazard insurance invoices for OTHER properties, property tax bills for OTHER property, etc. I have been negotiating short sale for six years and I have never had a lender ask for such things that are completely outside the norm of short sale required  documents. The file has been held up and there is no end in sight.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I want to temporarily remove a freeze from Experian. I submitted all the necessary information both online and by phone several times today, XX/XX/2018. I have been repeatedly told that they can't process the information " at this time ''. It is IMPOSSIBLE to speak to a live person on the phone. You just get the automated responses. This is extremely frustrating and time consuming. 
Terrible, or I should say, non existent, customer service.
Consumer complaint received 2018-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Even with a FTC Identity Theft Report and a police report. Transunion will not delete these accounts. I was told they couldn't block it. I have done everything in my power and by the law to get these accounts removed.
Consumer complaint received 2018-04-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (GA)

I am writing in complaint of the newly adopted discriminatory practices of XXXX XXXX XXXX and Citigroup against companies and individuals who are simply following the law and are interested in practicing their legal rights to items not restricted by state or federal government. Their new measures block and individual from purchasing guns without a background check or who are younger than XXXX. It also bars the sale of bump stocks and high-capacity magazines. It would apply to clients who offer credit cards backed by Citigroup or borrow money, use banking services or raise capital through the company. 

It is not the place for a bank or any company to create legislation or laws outside of the normal process of elected government. The consumers who use banking and credit services have no elected representation within XXXX XXXX XXXX or Citigroup so they have no recourse to prevent their freedoms and rights from being violated by private companies. These banks are effectively creating the same effect as a government creating a law, but it is being done without the normal representation and protection every American has under government. Blocking commerce is effectively destroying liberty. When s Bank is as big as these two banks and they decide to make it impossible to purchase legal items, not only do they destroy the freedom and liberty of individuals through the blocking of their ability to own products, but they immediately destroy private companies who are merely trying to practice their dream of building a legal business.

Should the United States take action to make the legal age to purchase a gun to be XXXX, then that will be the law of the land and Americans that disagree will have the powers granted to us under the courts to pursue correction, however we do not have such protection when a bank blocks commerce and blocks Americans from purchasing a legal item. 

How would it be any different if XXXX  or Citigroup opted to block the sale of Bibles or any materials that say XXXX is a sin? Where the bank might disagree, the 1st amendment is a protection of free speech, but if a bank feels the 1st amendment should not allow specific speech, they could powerfully destroy that liberty by making sure no American could purchase anything that supported beliefs the banks do not believe in.

I urge you to take these complaints seriously. If not blocked, these two banks and possibly others will be emboldened to pursue addition social change through their lending actions. This is a threat to our constitution and our very way of life that should scare and concern every American regardless of their personal beliefs.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with Experian, XXXX   and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, Transunion and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.