davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

The complaint is against WELLS FARGO We are complaining about FORCED INSURANCE at an absolute ridiculous rate when we had already paid for it.   Are there class action suits? Lawyers? Anything? They have had our PROOF for 2 years AND again since  XXXX   2017  and again they say we have not given them what they need.   They are lying.   They are ruining our lives!!!! What are we to do? They should NOT be allowed to operate like this.
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2018 someone made an unauthorized fraudulent purchase at a XXXX XXXX in the state Illinois using my AMEX SERVE account number without the card physically there. The charge is currently on Hold. I contacted AMEX SERVE and they said they can not do anything until the charge actually goes thru.

By AMEX SERVE refusing to take action, they are telling me that they are OK with fraudulent activity and will accept this activity and do nothing.. 
They also stated they allow purchases to be made at a store without the card being physically present which is contradictory to their statements about fraud protection when you first sign up for the card. 
Also they stated that I would have to call back after the fraud has gone through before they can begin an investigation.
Consumer complaint received 2017-07-03
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. (IL)

Credit report agencies refuse to delete unverified bankruptcy on my credit file. I have sent several letters in the past two years asking for proof by providing me with documentation with my signature on it. Instead they sent me a bogus letter saying they verified the information as ... being accurate. No documentation with my signature on it was provided to me in accordance with the FCRA Section 609 stating that the CRA 's credit agency must provide the consumer with the original signed contract or they must delete. They say they verified this bankruptcy filings with the clerk of the court but the clerk of the court does not verify that information with 3rd party. So they are lying and continuing to report these inaccuracy on my credit file which is against the federal law. I am also requesting the names, addresses and telephone numbers of individuals they contacted so that I may follow up. I want this unverified bankruptcy deleted immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

Starting in XX/XX/XXXX Wells Fargo started sending me statements in the mail for a credit card I had paid off and closed on XX/XX/XXXX. These statements showed a credit limit of {$4300.00} but I had no credit card nor any access to this account. The statement showed I owed them over {$2000.00}. And without my permission they began taking the amount of {$46.00} per month out of my checking account at a different bank. When I called them about this they gave me information to access my old credit card account online but I was unable to access this account online. I called several times to explain this account was paid off and closed and to stop but Wells Fargo never complied with my requests. I continued to let them remove the payments from my account so my credit score would not be affected.

In XX/XX/XXXX I changed banks and now Wells Fargo is demanding payment for an account that was paid off on XX/XX/XXXX and showing me as late on my credit report. What they are doing is fraud. On my credit report it shows this credit card account was opened onXX/XX/XXXX and closed on XX/XX/XXXX. I have written a letter to Wells Fargo with a copy of the credit report and letting them know I have contacted the Consumer Finance as well.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NV)

Closed my account : XX/XX/XXXX Amount : Entire Balance My account was closed without my knowledge. When I realized, i called the walmart credit card and asked them why. They said they weren't sure, complimented how I had never missed a payment, and how it was in good standing. My credit score just went up, and I received a brand new updated card. They told me to wait for a letter to be sent because they weren't sure and had no information when I called ( XX/XX/XXXX ). So I wait and a letter arrives, I get it ( End Of XXXX ), ( name on paper is spelled incorrectly ). And the indications stated under the reasons why they closed my account are not associated with my account. So I called the Synchrony Bank ( XX/XX/XXXX ) and receive just as much info as the walmart credit card associate, he tells me that they make judgments based off a score they receive which decides if the card holder could pay back the balance. He said my score was low, which makes no sense since the lady from the walmart credit card told me my account was in good standing and i never missed a payment. So after that call ended, I called XXXX, no one answered, all automated, and i wasn't able to speak to anyone about it, there was no option that was associated with my complaint. I was making payments, and they are still charging me interest. I have been a cardholder for over a year. I've never missed a payment and always kept it in good standing, and as a reward my credit score dropped 30 points.
Consumer complaint received 2018-04-14
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

Greetings! Thank you for your assistance and time helping me correct the matters on this situation!

Earlier in this yearXX/XX/XXXX I sent off letters to a few companies stating that I owed them ... Its been a while I have taken notice of my credit however I am now taking action to make it better thanks to my close friend ... .These are items that are on my credit that are closed and in derogatory that I do not recognize and have not ever seen!

The letter stated that I was requesting verification of debt which they claim I owed in the form of my signature ... None of these companies done so.I am following the Law and am trying to handle this in a professional manner.

I made some mistakes in the past even married early but now I am a lot mature and learned from my younger days and am now taking responsibility to correct my past. I want to fix my credit that I may continue being a productive citizen and adding true value to society. I almost got an attorney to help me deal with this in court then I said let me wait a second to see what steps are out there from the Government that can help me.That is how I found out about your services CFPB.

I sent letters to maybe 7 companies and none of them provided within 30 days any proof of my signature. I also sent them a second grace letters asking them to please either provide my signature or to remove the debt reported by them per the law. That was on XX/XX/XXXXand have the proof of the certified letter receipts.

NOW its been about 75 plus days and I have yet to have them prove that the debt is mine per the law and am seeking your help to have each one of them remove this off of my credit report immediately!

They sent me letters saying that the debt was mine and they could prove it yet no one did!

Everything I did was certified mail These people are saying I owe without proof and breaking the law that I owe, {$680.00} along with {$720.00}, {$400.00} and {$430.00}
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me.

The disputed inaccurate and unauthorized inquiries are : 1. XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX
Consumer complaint received 2017-07-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge Pite, LLP (CA)

All actors have been fired, yet still, the agents and actors are attempting to extort monies and property from me. In addition, all alleged debts, have been on national level, released, see 2nd attachment, on page 2, A5 highlighted in red for easy detection, " XX/XX/XXXX, 2017 : XXXX/XXXX is accepted worldwide and new elections will be announced replacing the removed dark ones with the introduction of Common Law in governments and courts everywhere. ''
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

I opened a XXXX XXXX Account XX/XX/XXXX, nearly 12 years ago and in the ten years that I used the service, I only missed one payment, my last payment ; because I moved out of the country and closed the account, yet unbeknownst to me, they still ended up charging me {$610.00} I was not even aware of the charge until I got back to America from XXXX. I tried to dispute it with XXXX directly, but they could not find my account in their store. I then did not know what to do about the collection, but they have injured my credit score. It is currently a charge off, I am a full-time student and also a full-time single mother and I in attempting to fix my credit. I do not think it should still be reflected upon my credit report, the crediting company is XXXX XXXX XXXX and the collection was opened XX/XX/XXXX. I am starting an XXXX program at the University XXXX XXXX and it is so expensive, as I am also graduating from the institution in 6 days with my XXXX in XXXX XXXX and a XXXX in XXXX I have accumulated nearly {$30000.00} in student loans. I need to secure funds for school and this is really restricting me because it has effected my overall credit score. I am working very hard to secure my son 's future and mine, and without credit I am limited even with a great education, I hope you can help me in resolving these issues.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX, XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. Experian refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts
Consumer complaint received 2018-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

I dont really have the dates anymore regarding the loan in question, but i due to circumstances surrounding the university i was attending i was told to contact navient to see about getting my loans forgiven as they had told me that i had been a victim of " predatory lending '' by that college. I called Navient to see what they could do and I had been numerous times that it would be 100 % forgiven. Not once did they ever say anything consolidation, refinancing, etc. I started the application process with them in and was told that the process would take a few months to be reviewed and to contact them again for a follow up and that i had to pay a fee for their service. I paid the fee and contacted them later on as instructed and was told again that my loans had been completely forgiven ( not consolidated or anything else ) and that i had nothing more to pay back. I had also been set up so that i can keep track of the loan process to which i would receive emails monthly showing that i no longer had a balance to pay and showed that Navient had taken over the loan. 

Navient told me that i would have to reapply to the program of loan forgiveness every yr so after the first year i reapplied online. Applying online was a little difficult so i contacted them to walk me through it and i was told to apply under an " income driven repayment plan ''. This struck me as odd so i asked why it wasnt applied as forgiveness to which they had told me that " this was just how to apply online and that it would still considered loan forgiveness, you will not have to pay back anything ''. I made sure to ask if there would be anything i had to make payments on and they told me AGAIN that i would not have to pay back anything regarding the loan. After finishing the application and ending the call with navient I went on as normal. Later that yr when the application process finished i received an email stating that i now have a payment to make starting at the beginning of XX/XX/XXXX. After seeing the payment i was now responsible for after being told time and time again that i would have anymore payments to make i contacted navient to see what happened. Im now being told that i did not apply for loan forgiveness and that it would take 15-20 YEARS to completely forgive. When i told them that i wasnt told about any of this they told me that i must not have spoken to any of their representatives which i know is false because ive been using the same contact for them the entire time. They also told me that they have no records of any calls between me and them prior to XX/XX/XXXX. Im now convinced that they will not cover the loans as promised but now the loan is close to being passed on to a collection agency and i keep receiving voicemails stating that if i dont make payments, that i wont be able to apply in the future. 

PLEASE HELP
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

I extensively researched different credit cards back in XX/XX/XXXX and  finally decided to apply for the Discover It card because everywhere I looked said there was 0 % interest on purchases and balance transfers for something like 18 months, maybe 14. This was written clear as day in all the articles I read, as well as the terms on the actual Discover website. I applied and was so excited to be approved ... In XX/XX/XXXX I put a large purchase on my card and they are now charging me interest. I called the company multiple times and they argued with me saying that you only get the special interest on purchases IF you're approved for that, not when you're approved for the card. I've never experienced something like this and I totally feel like they lied to get me into a credit card with them but never gave me the promotional interest rate as advertised. I read all the fine print and couldn't find anything that says you may not be approved for the 0 % APR on purchases, they're claiming I only was allowed that on balance transfers and I know that's incorrect. I'm currently working on getting a new card to transfer the Discover balance into so I can give my business to somewhere that honors their word. Every card I've ever applied for has given me the intro rate that shows on the application and I thought Discover would be no different. Sorry I was so wrong.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " Navient '' they being sued and this needs to be off my credit report Navient needs to remove this asap NAVIENT
Consumer complaint received 2018-03-25
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. (CA)

Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

We purchased a investment property and right after closing Well Fargo Mortgage bought our loan. The original terms were PITI. Soon after closing Well Fargo informed us that they would only escrow the property taxes on the property and not the insurance in the payment. I call the customer service number and they refused to honor the original loan terms the way they purchased the loan. Therefore we are forced to pay yearly insurance invoice ourselves.
Consumer complaint received 2017-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

hi my name is XXXX XXXX and my wife name is XXXX XXXX. Me and my wife was XXXX Global client solutions debt-relief service client. my wife XXXX XXXX she got money back still I did not get any money back or hear anything from cfpb. so some can help me to what can do now. its was same time we was paying global. mission global solutions only took money they never settle anything.so I thing I can expect to get my money back too.
Consumer complaint received 2018-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

I owed a debt in the amount of {$32000.00} for an installment loan entered into by contract on XX/XX/2016. The loan was subsequently charged off. XXXX XXXX XXXX purchased the debt, which was recently posted to my credit report through XXXX XXXX. Prior to the posting, I was contacted by a collection agency regarding the debt. As a judgment regarding said debt had not been obtained against me in a court of law, I requested validaion. The debt collector could not provide me with a signed contract or any proof that I owed the debt. Subsequently, XXXX. XXXX, wrongfully and in reckless disregard of the facts, added a collection account to my credit report.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Koster's Cash Loans (NV)

I went in to Koster Cash Loans located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.
Consumer complaint received 2018-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX an account that was removed from my Equifax credit file was reinserted on XX/XX/18 for the amount of {$130.00} without proper notification required by law. What confuses me is the original creditor is XXXX Hospital now XXXX XXXX XXXX is reporting this same said debt. Also, another company by the name of XXXX is reporting this same debt. I have never done business with this company nor have I ever had any contractual obligations with said company or business