davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (PA)

I lost my Netspend Debit Card back around XXXX 2016. I then discovered that XXXX unauthorized transactions were made. I immediately contacted Netspend Customer Service. The lost card was deactivated and an " investigation '' by Netspend began. I was informed by Netspend on XXXX XXXX 2016 that I will not be refunded the unauthorized transactions! They gave a lot of double talk as to why they made this decision, but at the end of the day, that money was stolen from my account, and the money is not Netspend 's but mine. 
So, I called the Customer Service number, and asked to speak to a Supervisor about this claim. I made a total of XXXX calls to Netspend. Each time I spoke to the Representative, I had to explain this claim, then they attempted to connect me to a Supervisor which never happened. 
XXXX XXXX @ XXXX-was on hold for 52 minutes XXXX XXXX @ XXXX, on hold for 10 minutes XXXX XXXX @ XXXX, on hold for 3 minutes XXXX XXXX @ XXXX, on hold for 21 minutes XXXX XXXX @ XXXX, on hold for 34 minutes Note, again, that I never got through to speak to a Supervisor about this claim. I have been in the XXXX for over 18 years ( XXXX ), and this ranks in the top XXXX, the worst way to handle a Customer Compliant. 
The sad thing is the amount is only {$250.00} that needs to be refunded, and the transactions were not authorized by me. Last, I placed a call to Netspend ; s Corporate Office on XXXX XXXX, 2016, but had to leave a voice mail message!
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

This dispute is in regards to Experian 's reporting of a late payment on my account from XXXX XXXX. XXXX Bank acknowledges now that my account was never late due to an address change, following which they failed to send the statement to me. I have disputed this late payment with all XXXX credit bureaus already, XXXX of which have removed the item from my report. However, this incorrect information has not been removed by Experian, and I have not been able to contact anyone via the phone for assistance. The information has been corrected already with XXXX and XXXX and I expect the negative information to be removed from my credit report immediately.
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX I have asked for your company to validated and verify the account with the following information 1. The contract with my signature that gives me the companies the right to report to my credit file. Your company is now in Breach of the FCRA for failing to provided information from a valid account. 
2. A full payment ledger showing a payment ledger. 
3. Proof the company has the right to report anyway their contract with you I have a legal right to see it and also the dispute history from this company with you. 
4. I have the right to see the proof they provided to you. If you do n't provide the proof that they can report to my credit I will sue you for it. 



Your company needs to provide me with what makes you think that this company able to report to my credit you have not because you can not or you do n't know.
Consumer complaint received 2016-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Continue to receive phone calls from Portfolio Recovery several times a week throughout the day ... .upon speaking with them I 've asked them for debt validation and until then please refrain from calling me..portfolio stated verification was sent numerous times..I stated not once have i received anything ... .so therefore I 'm not giving you any info at this time without proper validation ... and politely said goodbye and hungup ...
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2016-12-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NM)

I had obtained an installment loan with One Main Financial ( formerly known as XXXX ) approximately in XX/XX/2016. Upon default due to hardship, One Main had continuously and repeatedly contacted myself on numerous occasions after reporting my financial status to them. Fortunately, after speaking to a supervisor ( XXXX XXXX ) and informing her my status we were able to come to terms of making an reasonable solution : pay a portion of the balance. While speaking to XXXX XXXX I was able to provide all necessary banking information such as banking account number and routing number, and informing her the timeline of when the money can be debted from my checking account so that the account status can be satisfied. However, on today 's date, I had received once again an unexpected call from a representative from One Main requesting for myself to make a payment over the phone. I had even at XXXX point requested from One Main to cease and assist with phone calls due to stress and aggravation that representatives were afflicting upon me. 
Again, I plan to pay the amount owed on the given day the money becomes available, however, I am asking for assistance from the Federal Trade Commission to stop with unwanted calls as I am construing this as a form of harassment now. 

Thank you for your time into resolving this matter on my behalf.
Consumer complaint received 2016-11-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (MO)

I have not called them yet for I just looked in my mail and found this. Says I have a balance due of {$320.00} from something I have no clue what it is about. I went online to look up the company and have seen many negative responses about them.
Consumer complaint received 2016-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick one because my situation is based on the legal right to operate in the State of Texas as a debt collector and IC System Inc. does n't have the right to collect debt in the State of Texas. I am going to provide you with the Creditors Validation Letter I sent to them, I am going to provide to you the research from the State of Texas Debt Collectors Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the Creditor Validation Letter. 
This is a XXXX Account that never got service by XXXX because at the times of XX/XX/2012 and XX/XX/2012 they was not any service in my area for XXXX. What I am saying is they did n't offer service in my area so they closed the account out but still tried to bill me for an area they did n't service.
Consumer complaint received 2016-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (LA)

My home was flooded during the federally declared disaster in XXXX Louisiana in XXXX of 2016. My mortgage lender, Wells Fargo Home Mortgage, sent a letter to me dated XXXX XXXX, 2016 informing me that based on the status of my loan and insurance claim, my claim would not be monitored through the typical process of putting the check into a restricted escrow account and issuing payment contingent upon staged satisfactory inspections. I was instructed to proceed with repairs to my home and to send my un-endorsed claim check to their Loss Draft department, at which point they would endorse the check and return it to me. I received the claim check the week of XXXX XXXX and followed those instructions, including a copy of the aforementioned letter should there be any questions. Today the check was returned to me, with a letter indicating that I must endorse and return the check to them. I learned from a representative of their Property Loss department that my claim was re-classified as a monitored claim based on the value of the loss and that I 'd have to have an inspection completed before they would endorse the check. I was never informed of this change in status and it did n't occur until the date that they received the claim check. It was my understanding that the decision to not monitor my claim was based on my record as a good customer and likely the volume of claims they would be handling limiting their resources.
Consumer complaint received 2016-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX, I was about closing on a new home, when the underwriter called for my final credit report before the loan closes, the underwriter found out that I was reported to have a 30 days late on my current mortgage. When I contacted Bank of America the loan servicer, I was told that yes, I was late on my mortgage. However, what happened is that my XXXX mortgage which was reported late was paid on time. The issue, is that there was a slight adjustment on my escrow account in amount of {$50.00} or so. The bank refused to credit the already paid amount and Bill me for the balance but chose to report me late. The rep I spoke to said they tried to reach me but was unable to. They sent me a written mail to that effect but I did not open the letter. I thought is XXXX of the letters I receive daily. They have my email address but chose not to contact me through email. They even said, that they dont't have my phone number in their system, which was a surprise to me. Overall, I beleive that Boa did not treat me good after being with the bank for about 8 years paying my mortgage on time. Moreover, I beleive they knew I was about acquiring a new home for them to make this move. Please I need your assistance with this because my credit went fromXXXX down to XXXX, of which no bank can service any loan for with such credit rating. Also, I have {$10000.00} in my escrow account, which I may lose if this issue is not resolved in timely manner. I have pleaded with them to reverse this no avail. I even involved a lawyer to assist but it seems it got worse. Please I need an urgent action to this effect. My loan number with boa is XXXX. 
Thanks for your anticipated assistant to this effect.
Consumer complaint received 2016-05-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

One Main Financial uses deceptive practices in the way it displays payment due information via their website. Their online " Account Summary '' and " Account Details '' page will show that there is zero due for the upcoming month, yet the online statement itself ( if you download it ) will show a payment due for the upcoming month. I have screenshots and downloads where their website clearly shows my next payment is due on XXXX XXXX, 2016. Yet my statement shows a loan payment due on XXXX XXXX. 

I have relied on their online information for the month of XXXX which showed I had zero payment due. I believed I had paid in advance. Yet I started to receive calls from the company asking why I had not paid my XXXX payment, and when I logged online to check, the online view had been updated to match my statement - after the fact. I though I had made a mistake, but this month when I view my online balance and my statement itself, I see evidence of their deceptive billing practices and I am attaching the screenshots I took as evidence. 


Sincerely, XXXX XXXX
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been receiving harassing, threatening and XXXX threats telephone calls from creditors in regards to accounts and debts I do not owe. I am a victim of identity theft. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America starts to charge my checking account a maintenance fee I have never been informed about. I talked to them multiple times and they simple say they MUST have informed me. I know I have never been told about this fee because I asked about maintenance fee when I opened the account. This kind of dishonest practice should not be tolerated in a lawful society.
Consumer complaint received 2016-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Visio Financial Services Inc. (LA)

I was attempting to re-fi an owner financed bond for deed with Visio financial and before I applied I had inquired if this was something that was possible. I was assured this was something they could do. I applied and provided them with all financial documentation they requested. I was approved for the loan and when they where confirming the title was clear and about to set a closing date they informed me that their lending requirements had changed and could not close the loan due to the title not being seasoned in my name for thirty days. They said the only option was to do a new purchase on investment property and I would be required to have 20 % down which I was not in a position to do and they new it because they had all my financial disclosures. needles to say the loan was never fulfilled and now i 'm out over a thousand dollars and an inquiry to my credit. I have been paying for this asset over eight years and was well above the numerical requirements for the loan to be considered safe. Also, the appraisal was flawed and contained incorrect or incomplete information which had an effect on the interest that they were quoting me. I requested a full refund and was led to believe that I was at fault because I did n't want to come to the table with a deposit and the appraisal ( incorrect appraisal ) could still be used at a different lender. I do n't believe it fair to not return any portion of my expense when I was led to believe one thing and they changed at the last minute to requirements that they knew I would not be able to meet. They are being deceptive and dishonest about their practices and charged me for a loan they knew they were not going to fulfill.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: U.S. Collections West, Inc. (IL)

I filed Bankruptcy XX/XX/2010. I recently noticed a new collection on my credit bureau. I dispute the collection. I started receiving collection notices demanding payment of {$1000.00}. I explained this lease was included in Bankruptcy. U.S. Collections West, Inc. refused to take down my bankruptcy information. I do n't owe it. It 's been over the statue of limitations in Arizona to collect on this and it was included in Bankruptcy. They are reporting to my credit and it not a true debt.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (WA)

I closed out my Discover credit card account months ago due to a dispute over Discover billing and late charge practices. On XXXX XXXX, 2016, an unauthorized payment of {$32.00} was made to the XXXX company by Discover without my knowledge. 
or consent, for a product I did not order or receive. 
When I signed up for the card, it was because Discover advertised it would never pay a disputed bill. Now Discover is demanding payment for a charge made against a canceled and destroyed credit card.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The terrible ordeal is this I have requested the company to look correctly my information anf they never responded back waitted 90 days since last time and nothing I am tired of run arounds and speaking to agents that hardly speak english can you help me!!!
Consumer complaint received 2016-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On about XX/XX/XXXX - I received a Chapter 7 bankruptcy discharged. My primary home on XXXX, CA. XXXX mortgage at the time was Bank Of America and it was included in the discharge. 
On about XX/XX/XXXX, Bank Of America granted me a loan balance forgiveness. ( most of this was late charges and penalties as well other unexplained fees ). The loan was also modified. 
On about XX/XX/XXXX - we received a XXXX form XXXX ( Cancelation of Debt ) in the amount of {$100000.00} - debt discharged. This form was incorrect. Bank of America indicated that we are personally liable for this, under box 5. Box 6 had the wrong coding, F ( F = agreement ) instead of A ( A = bankruptcy ). Under US Bankruptcy code, we are not liable for the debt. 
I tried contacting Bank of America for several months in regards with no resolution. The mortgage was included in the Bankruptcy BEFORE it was modified. Because of this wrong coding and refusal to update - State of California tax us on it nearly {$10000.00} On about XX/XX/XXXX - Bank Of America sold the loan to XXXX. I am requesting an investigation in regards to this matter with an updated corrected form of box 5 as unchecked and Box 6 coded as A. I have uploaded the loan modification document as well as the XXXX form for your review. 
Respectfully Yours
Consumer complaint received 2016-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

I, like so many people, have had problems with FedLoan Servicing. They sent notifications that payments were sue to an email address I do not have access to, and made no other effort to contact me saying I was missing payments until sending a letter in the mail saying if I did not make a very large payment, my loan would default. I called an explained to a representative that I had not been notified that I needed to make payments which is when I learned they were sending notices to the wrong email address. The representative told me that she would fix it so it did not look like I missed these payments, but it still shows up on my credit report that I have several missed payments, and now my credit has greatly suffered.
Consumer complaint received 2016-12-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Dominion Law Associates, P.L.L.C. (VA)

consumingIn XXXX we talked about my debt. Then they call me again in XXXX. 
Using treating language, and failed to notify me of any court dates. 
I am retired and live on a fixed budget. I told them this but they persist and got a Judgement of 6 %, that they charge anytime they like. Plus change me for the court case, so all the money I pay was consumed by their tactics. Some of what they do should not be legal or allowed. If I am paying then they should not be consuming it up with legal fees. They company who hired these crooks is responsible.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (OH)

I receive multiple calls per week from XXXX and they leave a message saying I need to call them because they are trying to collect a debt. However, I have no outstanding debts and they have not provided the required 10-day written notice for any debt claim.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX this year, I obtained a mortgage from Chase. Since it is a condo building, I was able to get a tax abatement. I was told that the escrow account will be calculated without tax abatement until the actual property taxes are paid so the bank would know how to adjust according. In XX/XX/XXXX ( after XXXX quarters of tax payments in ), I went to the branch to ask for an escrow adjustment, because the amount in my escrow account is really high and not based on real situation. The bank did an escrow analysis, but rather than lower my monthly payment, it went up by a lot while issued me a small surplus check which did not make sense. After several calls in the past 3 months with their escrow department, tax department and mortgage banking department, they still did not resolve this issue. I was passing from one department to another. Apparently nobody cares. As a result, I am overpaying thousands of dollars in my escrow when I should n't have to. I was not contacted and no new analysis was received after XXXX weeks of waiting. No apologies, no nothing.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

I was charged a late payment for sending in a double payment on XX/XX/XXXX so I called them ( the person I talk to said this has been happening to a lot of people that send in extra payments ) I told him I put on the slip, payment and on the next line I put extra principal payment and they charged late fee? I called them on XX/XX/XXXX and they mailed me my late fee back. So I sent them my payment {$460.00} PLUS {$20000.00} for principal and the next statement on XX/XX/XXXX did not apply anything to my loan everything said Unapplied ( {$20000.00} ) and I am still charged interest on the original loan amount I oued in XXXX XX/XX/XXXX I got letter for wells fargo saying I requested loan modification, and I NEVER requested that, you would think they would realize I can afford my payment when I send an extra {$20000.00} with my payment .I FEEL LIKE THEY ARE COVERING SOMETHING UP, The new statement I received has the balance of XXXX but they put on XX/XX/XXXX that I have unapplied {$20000.00} please help I do n't know what to do? Also my other home with XXXX charged me 3 late payments last year for making double payments, I had to call them 3 times to get it reversed and and they kept saying my mortgage is with XXXX ( they are a loan serving co ) .i wonder how many people they do this to that dont pay attention to there statement.