davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-17
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (NH)

I received a pre-paid XXXX card from XXXX as a rebate. The expiration date on the card ( XXXX 2015 ) was approximately 3 months after I received it. I used all but {$48.00} of the funds, but now that the card is expired it got declined when I tried to use it. XXXX will not issue me a new card for the remaining balance, or offer any alternative compensation.
Consumer complaint received 2016-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (NV)

An unknown person opened a landline account in XXXX with XXXX XXXX XXXX in 2003 under my maiden name. They in turn let the account go into collections. I never opened an account with XXXX XXXX XXXX. I was stationed in XXXX during this period. XXXX was happy to opened an account for this individual without verifying their identity. Now I have to pay for this collection and this damages my credit history. I called the collection company acting on their behalf, Convergent Outsourcing , Inc. about this matter. We told them over the phone that we did not open this account, we did not live in XXXX in 2003. I was in the military living in XXXX, XXXX. They told me that I still owed money because my maiden name was on the account.
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. (TX)

The alleged debt is false and inaccurate. The balance due on the account was NOT, at any moment, the amount that is being reported by the credit bureaus. Please DELETE this account from my credit report, as it is an FCRA violation to report inaccurate and false information.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX, I received a notice of changes in terms to my AT & T Universal Platinum card, which I have held for over 20 years. The notice said I could opt out of their new arbitration provision by sending a letter postmarked no later than XX/XX/XXXX. I accordingly wrote such a letter on XX/XX/XXXX, and mailed it the next day, 11 days before the postmark deadline. On XX/XX/XXXX I received a notice from Citibank ( which owns the card service ), stating that my account would still be subject to arbitration " because you did n't mail your preference to opt out by the deadline we established. '' On XX/XX/XXXX I called the card 's customer service line and spoke to a man who identified himself as " XXXX in Arizona. '' He checked on the situation and informed me that my letter had not been received until XX/XX/XXXX. When I asked how that could be, given the date when I mailed the letter, he said, " I guess the Post Office took a long time to get it to us. '' He gave no information about the postmark, which is the determining criterion. He said that, in the future, I could opt out of card agreement provisions by telephoning. When I asked if I could opt out with him right then, he said no, it was too late. When I asked if there would be future opportunities to opt out of the arbitration clause, he said no again, but that " in the future, you can opt out of provisions by phoning us. '' I suspect that the company is being dishonest with me, that they are wrongly preventing me from rejecting their arbitration clause.
Consumer complaint received 2016-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (NY)

I am currently on a modified payment plan that is very managable and I am able to pay ever month. I do not have any defaults with AES at the time becasue this plan is helping me. I called them today to see what my options are becasue I am able to pay this amount and keep them satisfied. They advised me that I have no options at the time and that after this year my payments will be going back to the normal amounts. I told them I will not and cn not afford that amount. They told me they can not do anything about it. I want to pay the loans but not a the crazy amount they want. There has to be some long time resonable payment plan that they can offer me because at this point they want me to go into default. How is this legal of them to say we can not help you and you have to pay this or default when I am trying to work with them?
Consumer complaint received 2015-04-16
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I booked a vacation rental on a well-known website ( XXXX XXXX ). The person who posted the vacation rental falsified the website 's documents and sent me an invoice that appeared to be from the website to pay by wire transfer for the rental. I sent the money via my bank wire transfer, and I referenced the company ( XXXX ) and the company 's address which I verified before sending. After I sent the money, XXXX XXXX contacted me stating that they received word that this person was scamming their customers by sending invoices that were not legit. It was too late at this point, my money had been sent. XXXX XXXX refuses to assist me in getting my money back as they say I have to book through their website, which I thought I was doing because I was paying XXXX XXXX directly. My bank tried to recall the wire, but the beneficiary refused. I do n't think a wire should be able to go through if the name and address that are referenced are not those associated with that account. There should be some sort of verification process that keeps that from happening. I am now scammed out of {$1000.00} and a place to stay on our vacation.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I have written and written Equifax to get inquiries off my report that were NOT authorized by me and even submitted a police report to that fact. They respond with " please be more specific with your concerns by listing account names, and the nature of the dispute '' THIS HAS TO BE A GAME, BECAUSE I STATED THAT I WAS A VICTIM OF IDENTITY THEFT AND GAVE THEM A LIST OF ITEMS THAT WERE NOT MINE AND A POLICE REPORT TO BACK IT UP. Is this something they do to just delay consumers from a reasonable investigation? It appears to be a game and I do n't think it 's funny as I am a VICTIM of identity THEFT and they are playing stupid!
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (MO)

I am having a lot of trouble with Sallie Mae. I called them three months ago for forbarence and they said it was not an option for me. I have all my public loans consolidated through the government and all my private loans through Sallie Mae. I am on Income based repayment for my public loans and I can barely make that payment let alone XXXX payments. I have been told that it is impossible for me to consolidate my public and Private loans through the government so I can have XXXX Income based repayment. If I had XXXX income based repayment, it might be possible for me to live, save money, and try to build my career, let alone buying a house. My credit is in Shambles and now Sallie Mae is going after my parents who are on the verge of retirement. I do not know what to do since I can not have these loans discharged in Bankruptcy. I have not been able to pay either public or private student loans in about 4 months. HELP!!!
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was denied renewal of a credit card due to " an adverse account '' as reported by TransUnion. The unpaid account is an electric bill in XXXX. I have lived in XXXX all of my life and could not have incurred an electric bill in XXXX. I have disputed this info twice with TransUnion and they continue to send me this same report.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (KY)

I recently applied for a mortgage thinking that my credit was OK to proceed, but a disputed issue with Bank XXXX XXXX popped up after I thought it was resolved back in XXXX. I was divorced in XXXX. My X previously forged my signature on XXXX docs & I got that cleared up, but he also forged my signature ( I guess ) & gave me a credit card which I thought was a joint acct with XXXX XXXX XXXX. That was in XXXX. I never had anything to do with him before that & Bank XXXX says I opened that acct in XXXX. That 's when he was divorced from his XXXX wife. Seems that I was mistaken for her previously. My issue is with a credit card I never opened/signed for or even wanted. The acct # they are claiming was mine is not the card # I have on record that my X gave me. He is a real crook, thank XXXX we are n't together anymore. He opened & closed several accts & was xfering $ back & forth. The divorce settlement is not closed because he still owes me over XXXX to this day. I might never see that money. He also filed for bankruptcy but the claim was denied. He wanted to get out of paying me. Anyway, XXXX says the said acct was charged off & worth over XXXX. The XXXX mtg lender denied me based solely on that information that I thought was closed in XXXX. I learned about it at XXXX back when I was trying to establish my own credit after the divorce. I was in touch with all XXXX credit agencies & they posted my letters of dispute & fraud. XXXX never said another word. I thought I proved my case so I lived my life till now. My question is how can they take it off my credit report & then put it back on? If it was charged off how can any lender use that against me? What do I have to do to restore my credit? Is this legal, what is happening to me, or do I have to get a Lawyer? I really want to be established here & have found the perfect home for me. I am very depressed that this is happening to me based solely on what my X has done to me. He even stole my car at XXXX pt, but the Judge made him return it or go to jail. My X is such a jerk I want him punished for what he 's done to me. What should I do? Please be so kind to give me some assistance. I 'm at the end of my rope now. Please do not delay to write back soon, I am desperate. Thank you very much for listening ( reading ). I have no way to attach any documents so if you need anything I have tons of paperwork, whatever you need just let me know & I will get it to you somehow. Thanks again : )
Consumer complaint received 2015-05-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

Constant harassing robo calls sometimes 8 calls within 1 hour- See attached XXXX telephone log. The debt was paid with secondary insurance by XXXX XXXX - XXXX. ALso see attached letter to XXXX XXXX, VP at XXXX XXXX XXXX XXXX - dated XX/XX/2015
Consumer complaint received 2015-12-15
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (TX)

Hello - I am a American express credit card member and have a XXXX credit card. 

For the last many months, Amex has been sending me emails on Serve prepaid card and has also send me a physical copy of the card. 
After waiting on the line for 75 minutes, when I requested them to close the card as I did not request for it, they came back saying that unless I spend a minimum of {$50.00} on the card, they would not be able to take any action on this card. 

1. I never requested for the card 2. I keep getting unwarranted emails from them 3. After spending more than an hour on the phone, I am told that I am not authorized to close the card that I did not ask in the first place. 

I am not sure I understand the logic here.
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

Called today at XXXX XXXX/XXXX/2016 and requested a mailing address to send mofdification paperwork requested it was on a recorded line and the gentlemen kept stalling for he wanted me to fax I responded no I need mailing address he played games and refused to provide .I terminated call .Wells fargo continues to give borrower to buy time for the home is in land court in massachusetts and I believe wells fargo is delaying so they can buy time to obtain judgement and take my home .THIS IS WRONG AND IS A VIOLATION OF XXXX
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OR)

My mortgage loan was transferred to Specialized Loan Servicing in XXXX, 2015. I had an auto payment set up with the previous company that SLS took over. I wanted to switch checking accounts for payment and initially contacted SLS in XX/XX/XXXX. The customer service rep told me it was done. I should confirm that no payment was made in XX/XX/XXXX and if it was, I should call again. 

Well, payment was withdrawn from my old checking account in XX/XX/XXXX. I called SLS and repeated the process. Even though the SLS service rep confirmed the change was made and I received a confirmation letter stating the change was made, funds continue to be withdrawn from my old account. This has happened every month for the last XXXX months. I have written XXXX letters to complain on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. 

A response letter dated XXXX/XXXX/15 requested my bank statements showing payments drafted to SLS and stated " we have found no errors ''. I attached a copy of the cancelled check with the XXXX/XXXX/15 letter. I did not wish to provide my entire bank statement since I do not trust this company with my personal finance information. 

For XX/XX/XXXX and XX/XX/XXXX, SLS received double payments, one from my old bank and another from an electronic payment from my new bank. The extra payments sit in suspense and did not go towards paying down my principal. Even though I asked for a refund of the extra payment on XXXX/XXXX/15 when it first happened, no refund has been issued. SLS should have all the information they need to cancel my ACH as requested and not continue to withdraw funds against my explicit non-consent. This constitutes fraud. They are holding my funds for no services.
Consumer complaint received 2015-05-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (RI)

I was a victim of the XXXX cramming fraud. My account was validated as eligible for restitution. Midland funding has attached this account to my credit report and has applied fees on top of erroneous cramming charges.
Consumer complaint received 2015-04-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX XXXX, I had XXXX fraudgelent charges on my debit [ checking ] acount. XXXX " fell off '' XXXX remained, I filled out the form, that day. Iwas told 7 days it woud be returned XXXX XXXX charges remained. After 10 days the money was not returned, I was then told It was an out of country fraud, another " international form would ned to be filed, which I did asap. on XXXX XXXX. The bank accused me of using this site previously and the case was closed { it is an XXXX dating service, I am almost XXXX years old. ] I never did! the rep. XXXX was horrible to me! Although XXXX of the XXXX were reurned, they were giving me a horrible time. I then reached out to the branch fri.XXXX. spoke to the manager XXXX XXXX XXXX, she would return the money XXXX to my account. It was not, On the XXXX I rechecked and still not! as of today XXXX. it is still not been returned.
Consumer complaint received 2015-09-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (OR)

Towards the end of XXXX I was discussing the options I had for deferring my student loan payments from Salle Mae, as I am in the process for re-enrolling in school. I was advised that I can take a XXXX month forbearance until my registration was complete and could then defer my payments as a full time student. I thought everything was set up, however I received a notice that my payment was past due in XXXX. I called to confirm that everything was in place and advised it was not, so I attempted to set up the three month forbearance. I was advised that this is a customer service ability but could only be initiated after I made my payment and they could only do a XXXX month deferment. All I want is to be able to do the XXXX month deferment like I originally wanted and for this company to be reviewed for potential lending violations.
Consumer complaint received 2015-04-17
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

I closed a loan from Wells Fargo back in 2011. I had disputed an address on my credit report which was associated with it ( my attorney for closing 's address ). I 'm now trying to purchase a new home and ca n't get a loan because on my credit report it 's saying that the old mortgage is being disputed. On XXXX XXXX, I faxed a letter to Wells Fargo with the request as they told me to do. I called them a XXXX later and was told that there was no way of looking into the matter as the division of Wells Fargo that deals with it does n't have a phone number or e-mail. After many more attempts I spoke with a lady who informed me that the fax was received and that there was an image on the account but that she could n't open it to see what it was. I called back a XXXX later and spoke with XXXX who stated that she had sent an e-mail requesting a follow up on the incident. I called XXXX 's direct line ( XXXX ) as she had told me to do and requested she call me back. On XXXX I called XXXX 's direct line again, and again requested she call me back and as of this date XXXX I have not heard from XXXX or Wells Fargo. All I am looking for is a letter from Wells Fargo stating I am no longer disputing the loan so that I can move on with my life and purchase a new house for my family. It seems as if Wells Fargo is intentionally ignoring my request.
Consumer complaint received 2015-12-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

XXXX XXXX Santander Consumer issued the following statement regarding the warranty refund of my vehicle : " With regard to the status of the warranty refund please be advised that the customer is responsible for any further follow up with the warranty company regarding the processing of the refund. We respectfully suggest that you contact XXXX for an update on this matter. So I did just that. Contacting XXXX ( an XXXX XXXX XXXX XXXX about the warranty, and here 's what i found out. Speaking with a Sguard representative named XXXX, she stated that Santander consumer was refunded back 100 % of the warranty and that Santander wanted the refund expedite. The warranty was cancelled by XXXX on XXXX XXXX, 2015. And Santander was indeed the company that funded the warranty. ( see attachments ) XXXX placed me on a brief hold to get her supervisor named XXXX who confirm this, but refused to give anymore information on this matter. XXXX stated that she would have XXXX XXXX in Legal and Compliance contact me with more information. At some point someone has to see how corrupt Santander is, their main purpose is to exhaust all their avenues rather than refund the warranty. When I do buy a car again you can best believe Santander comsumer USA, XXXX will not be financing my vehicle. This the most unprofessional, corrupt business I have ever had to deal with. Good luck with any and all lawsuits against you.
Consumer complaint received 2016-02-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (NY)

Never been previously contacted by Pinnacle Credit services. Received a XXXX discharge of debt. Both XXXX and a call to them state that this is a XXXX XXXX XXXX Debt. They have refused to provide any backup. In fact, they say they have no back-up. XXXX has no record of any debt in my name or under my SSN number. By filing a XXXX, I now owe taxes on forgiveness of a debt that I do n't think they have and that they can not verify. They have refused to withdraw the XXXX which I have requested.
Consumer complaint received 2016-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (PA)

XXXX XXXX XXXX XXXX phone number XXXX Is asking for XXXX $ But they are paid in Full.. But it still on my credit report. Also Common Wealth Financial systems XXXX they are asking for XXXX Dollars. From a Hospital Emergency Problem I had with either XXXX and or XXXX. the hospital knew that I had XXXX through the VA hospital so their dept. is paid. But the doctor is asking for his money. I called the hospital they Have no idea who the doctor was. So at this point I do n't know how to talk to the doctor to explain that he can go through the VA hospital to get his money back. XXXX XXXX Hospital billing does n't even have this in their records. I do n't know what to do. I have insurance and the Govt. should have paid for this. I am frustrated Please Help
Consumer complaint received 2015-04-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I need some help, back in XX/XX/XXXX a loan through Wells Fargo was closed out, it has been six years and now XXXX has re reported the data as of XX/XX/XXXX. I have disputed with XXXX with no resolution and even called Wells Fargo which stated because my mortgage was closed in XX/XX/XXXX, they have no record of it in their current system. 

When I asked how I could get this report date corrected, the Wells Fargo representative said I would have to submit a letter. I had submitted a letter/ dispute with XXXX for Wells Fargo to change the original report date to XX/XX/XXXX. The Wells Fargo rep said that that was all I could do. 

I need to move on with my life, I am in the middle of buying a home, I am unable to close my on my new home until this matter is resolved and if not resolved I will not be closing and lose all the money I put down. It has been years, I have worked very hard to move on with my life and making the right decisions. Please help me I am lost for words with this situation. I have a family that is looking froward to moving into our new home. PLEASE HELP
Consumer complaint received 2016-02-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

1. I lost my job for over a year. 
2. I contacted my mortgage company ( Wells Fargo ) for assistance in case I ran out of money to pay. ( Although I still could from savings. ) 3. They told me to stop paying and sign a forbearance agreement. ( I did as instructed. ) 4. I got another job and brought my account 100 % up to date. 
5. They penalized me and reported me to the credit bureau for non-payment, even though I made all the payments they requested and on time per the forbearance agreement.