davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

On XXXX XXXX, 2015 XXXX from Advance America called my job and left a message at around XXXX. I returned his call, from my personal cell phone, at XXXX to inform him that calling me at my employer is no longer acceptable. He said he understands. 

On XXXX XXXX, 2015 at XXXX XXXX from Advance America called my job, this time I answered. I told him that I can not speak about this over the phone. I returned his call at XXXX from my personal cell phone and reminded him that it is no acceptable to call my job phone. He said that he was never told that. 

Today, XXXX XXXX, 2015 I will be sending a letter explicitly stating that my job can not be contacted about this loan. I do not have a personal work phone ; it is shared by many people. I will include the above scenario for his understanding.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Conn's, Inc. (TN)

Conn 's Home Plus contacts me via XXXX phone calls per day to collect the monthly charges if I 'm late paying them. They give an XXXX grace period to pay pass the due date but they will still call during that time.
Consumer complaint received 2015-10-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have a " Promotional Advance Savings '' account at HSBC Bank. HSBC has just announced that they are going to change the statement frequency on this account to quarterly instead of monthly, also implying that they will change the posting of interest accrued to quarterly instead of monthly. This arbitrary and unilateral action is unfair to customers, who depend on receiving their interest postings monthly as originally agreed to when the account was opened. I do n't care if they change the statement frequency for new accounts from this date forward, but I think it is unsat for them to arbitrarily and unilaterally change this important account parameter for existing accounts.
Consumer complaint received 2015-07-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

I had a dental issue and paid for it using CareCredit.. now Synchony bank. the account had monthly payments that were supposed to be {$90.00} a month, zero interest for XXXX years. I make bi-weekly payments of {$50.00}. At some point an additional charge was added that resulted in my payments being short and subsequently lead to late fees of $ XXXX/month and interest. I did not authorize this charge. I made numerous attempts to correct this and on several occasions have brought the account current and still disputed the charge that I did not authorize. Finally after nearly a year, they removed the charge but did not correct the fees and interest that had accrued or credit any of the fees or interest back. My account is still short, still being charged late fees and interest ... and my promotional period is about to end which will result in huge charges if not paid in full. They never even sent confirmation of removing the erroneous charge In fact on the same statement the charge they still charged me interest.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

Bank, XXXX XXXX XXXX XXXX had notified Equifax and other credit agencies that XXXX made an error on customers account and reversed negative late payment history in XX/XX/XXXX. Equifax and others had not corrected customer history so customer disputed again in XX/XX/XXXX. XXXX too re-notified Equifax and still they did not remove disputed error. XXXX operators at Equifax were unhelpful and unable to assist and just kept offering to send a free report. In the meantime, my credit history had been ruined..
Consumer complaint received 2015-05-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (LA)

We have a mortgage with quicken loan we have only been with them for six months they are and have re accessed our escrow account this is normally done on your anniversary of you loan. When we called to ask about this we were told that all loans in the state of Louisiana are done this so people do n't suffer at the end of the year this is a company decision they have made. We feel this is wrong for them to do this is not correct and kind of border line of discrimination.
Consumer complaint received 2015-09-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (PA)

I am currently paying back my private loans with AES in the amount of {$1200.00} a month for attending XXXX XXXX for 5 years. This has been hard on me because that is basically my entire check per month, leaving me with a total of {$440.00} per month and my rent is {$350.00} a month. So basically i have to live off of {$90.00} a month. I have tried everything to get them to lower my monthly payment. At first i was paying just interest, then it went to principal amount ... and toggled between the XXXX. Now I am paying back the full amount with no fixed interest. Not to mention I still owe for my Federal loans that is with XXXX. I have no clue what to do anymore. This has been going on since I left school in XX/XX/XXXX, I have used up my forberance and deferment options. I have made it my business to just pay my loans becuase my father is the cosigner and after all this was my responsibility. There has to be something I can do to lower the amount. I can not live off {$90.00} a month. Please tell me there is somthing that can be done about this. I can live like this until my loans are paid off in XX/XX/XXXX. I am tired of stressing over my loans.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (KY)

My minimum payment of {$80.00} was due to American Express on XXXX/XXXX/15. I made the payment early on XXXX/XXXX/15 in the amount of {$3000.00}. I had already made my XXXX payment on XXXX/XXXX/15 in the amount of {$100.00}. They applied BOTH payments to the XXXX payment even though the XXXX/XXXX/15 payment was after the due date and then considered the XXXX/XXXX/15 late. I contacted them when I received notification of a late payment and a late fee of {$27.00}. I explained to them the {$3000.00} payment was the XXXX payment and they needed to apply it correctly and remove the late fee. They told me the system would n't let them move the payment to XXXX nor would it let them remove the late fee. I spoke with XXXX different levels of customer service as I was completely stunned that they could not do this. They said they understood but just could n't do it. They also advised me I would get an increase in my XXXX due to this late payment. I received that letter in the mail telling me I had a mandatory rate increase due to late payment. I also was told I had to pay {$150.00} and the late fee by XXXX/XXXX/15. I stated I was concerned about them reporting delinquency to the credit bureau when this was all their system 's inability to move a transaction from XXXX month to another.
Consumer complaint received 2015-11-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation (NM)

On XX/XX/XXXX, I was contacted by a collection agency called, Advantage Group, XXXX, in XXXX, New Mexico. The call was in regards to what they said was XXXX outstanding debts. The first debt was from XXXX XXXX ( XXXX, NM ) for {$49.00}, for date of service on XX/XX/XXXX.The second debt was from XXXX XXXX ( XXXX, NM ) for {$45.00}, for date of service XX/XX/XXXX. I was not given any type of claim or reference number for these accounts from this collection agency. After a brief conversation with a woman at this collection agency I called my insurance company, XXXX XXXX, and the XXXX XXXX XXXX Department. After further investigation, XXXX informed me that the bill in question to XXXX XXXX was paid in full on XX/XX/XXXX, Claim # XXXX. XXXX XXXX XXXX stated my account had a zero balance and the debt had been paid on XX/XX/XXXX in the amount of {$45.00} on Acct # XXXX. I am not sure if this Advantage Group is legitimate or not, however, they certainly are living up to their name of taking advantage of unsuspecting people. I live off XXXX and a small government pension. I am appalled that this or any other company of this nature preys upon people. If it has happened to me how many others has it happened to. In spite of my health conditions, I understand how insurance works as I am retired from XXXX after nearly 40 years, of which over XXXX was served as a XXXX at the XXXX, NM XXXX XXXX XXXX. This fraud must be investigated so that others, especially the elderly, will not be taken advantage of by this or any other company of this sort in the future.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently had a bankruptcy discharged and I am trying to re-establish credit. When I tried to purchase a used vehicle I was told by several banks that I was denied credit because Trans Union is showing my credit score as XXXX or XXXX. I called Trans Union and was informed that they do have a credit score for me and the banks are doing something wrong in obtaining the score. I find it hard to believe that every single bank is making the same error. I am also in the process of refinancing my house and was told by the bank that Trans Union is showing my credit score as XXXX. Trans Union is sending me a copy of my credit report but feel they are not doing anything wrong when reporting my score.
Consumer complaint received 2015-06-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Service Finance Holdings, LLC (FL)

My husband and I signed a " Retail Installment Contract '' with Service Finance Company , LLC for the purchase of new laminate flooring for our property in XX/XX/XXXX, with a set payment amount each month. When we began the process of selling our home in XX/XX/XXXX, we discovered that a lien had been place on our home for a past due payment to Service Finance in XX/XX/XXXX. We never received paperwork or notification of this lien. The loan balanced was paid in full when we closed on our home in XX/XX/XXXX. Service Finance, LLC ensured us that this loan was only an installment loan and was not tied to a mortgage on the dwelling, however, the credit bureaus have this loan classified as a mortgage account. Service Finance, LLC will not appropriately reclassify the account after multiple attempts to resolve this error at the consumer level.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WI)

Experian. Their website faulted out while I was trying to get my free annual credit report. Site said, 'try again later '. I tried many times in the following XXXX hours, but site said 'You 've already received your report. ' Only web alternative offered is to pay {$1.00} then {$15.00} per month thereafter.
Consumer complaint received 2015-08-31
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NC)

I received my approval letter from Wells Fargo for a mortgage on XX/XX/XXXX. I 'm on XXXX and have been since XX/XX/XXXX. They kept telling me that I needed a job to qualify. I work a part time seasonal job for the IRS. I usually start work in XX/XX/XXXX, but my job said going forward i will start in XX/XX/XXXX WF was going to give me a XXXX day extension to get a paycheck to qualify when i start next month. Because I can not start until XX/XX/XXXX, they declined my application Friday XX/XX/XXXX and closed it. This was after starting the loan process way back on XX/XX/XXXX. The only debts i have are XXXX credit cards totaling less than {$400.00} between the XXXX, thats it!! And my XXXX is XXXX monthly. I 've paid them {$620.00} for the appraisal and also paid XXXX homes {$1000.00} for a deposit. I knew before even applying that they could use just my XXXX income, but they kept telling me " no '' you have to have a job. Who was I to question the loan officer, they should know this info more than I. I 've had issues with the loan XXXX from the very beginning, by him not answering my emails or phone calls. I complained about my treatment to Wells Fargo 's board of directors on XX/XX/XXXX and have spoken with XXXX XXXX. She was great in following up with me and after that..the loan officer finally sent me an email giving me the steps of the mortgage process, because I never knew what was going on. I sent Wells Fargo an email yesterday stating that I will pursue a lawsuit if they do n't reopen my application and move forward with the loan. She called me this morning because I had left her a panic stricken phone message on Friday, thats the day the loan officer called me to say they declined my application. She was n't calling about the email, but the phone message i 'd left. She said she would try to hunt down that email and then get back with me.
Consumer complaint received 2015-05-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

XXXX XXXX I was trying to purchase XXXX pair of XXXX shoes. While, process the transaction it continued to decline my transaction. I contact Wells Fargo to see why it was not going through, as I had plenty of money in my account due to income tax returns. I decided to pull my account up online and saw I had XXXX withdraws in the amount of {$420.00} a total of {$850.00}. My balance before the transaction was made was {$2200.00}. I decided to transfer the majority of the funds into my sons account leaving a total {$360.00} remaining. When the male representative came on the line I explained what happened he stated it was a security issues they wanted to make sure I was the one allowing the transactions and he could allow the transaction to go through. Unfortunately with me transferring the funds into my sons account and leaving only {$360.00} on the account I was not able to make the transaction go through. I asked the young man about the pending credit of {$850.00} and when it will be deposited back into my account he informed the funds from the transaction will deposit back into my account in a few day. I then informed him I will go ahead and may XXXX transaction for the shoes out of the Wells Fargo account and buy the other pair from my son 's account. I checked my account Monday/Tuesday and notice it was still a pending credit. I checked Wednesday night and notice the {$850.00} was no longer there as a pending transaction nor back into my account. I immediately contact Wells Fargo who stated they had no record of the transaction and they keep no notes. I was then told I never had the funds available which is why I do not see it. I requested a manager and requested for her to listen to the call since there were no notes. I also requested a phone call back in regards to this matter after the call was heard. I have yet to hear from anyone and no one would like to discuss the matter. I 've filed a complaint with your office and still dispute the answer given by the bank.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (KY)

I received a letter from U.S. Bank stating my credit card account is delinquent. I called and inquired as to how that was possible when I have " autopay '' activated. I was informed they notified me 6 months ago that the feature was being turned off and I would have to turn it back on. I never received this notice and I been presuming that my payments were being made as per my instructions. In the interim they have been charging me late charges and interest for each month. I have spoken to XXXX representatives who essential told me " tough luck. '' XXXX, I immediately paid the entire balance once I was made awarre of this debacle. If they were turning my " autopay '' off, which I deny receiving notice, why wait six months to let me know? I further believe that have reported on the trade lines that the account is delinquent, thus affecting my credit rating. I would like for the fees and interest to be refunded as well as the trade lines removed from my credit report. I might add that this smacks of class action to me because I am certain I am not the only person duped in this manner. Once this matter is resolved I intend to cancel the card.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These accounts have resulted in a personal credit card at XXXX XXXX  on XX/XX/XXXX, under account number XXXX, a auto loan at XXXX XXXX on XX/XX/XXXX, under account number XXXX, a collection account with XXXX, XXXX and XXXX on XX/XX/XXXX, under Account number XXXX, a credit card with XXXX XXXX XXXX  on XXXX XXXX XXXX under account number XXXX a loan with XXXX XXXX XXXX on XXXX XXXX XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AR)

We switched from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX internet a little over a year ago. We did that based on the promise that all of our past debts would be written off and we wo n't have to worry about it. We believed them until I started getting calls from some agency claiming that the debt was still owed to XXXX XXXX XXXX. We believed them when they said we owed nothing, but we took care of it with XXXX XXXX XXXX and it should 've been paid off. 
Yet we still get calls about every XXXX months from the same agency. Never a written item, just a call, claiming the same thing. I tell them it 's taken care of and to get the number off, but they keep the same pattern up. I do n't know who the company is, just that they keep calling and telling me the same thing over and over and over again. I have had enough! I want them to stop harassing us about this debt since, as I know a little about collection laws, they have invalidated it by not sending us anything in the mail ... .ever. It needs to be received within XXXX business days, and we never got a single mailed item from these people. We want them stopped.
Consumer complaint received 2016-03-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sa-Vit Enterprises, Inc. (NJ)

Savit Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Legal Recovery Law Offices, Inc (TX)

On XX/XX/XXXX, I was contacted by XXXX XXXX from Legal Recovery Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.
Consumer complaint received 2015-05-05
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (CA)

I was a young personal looking to take my carrier into a different direction. After the mortgage industry crashed around 2003, I looked into an education at California XXXX XXXX in XXXX XXXX CA. I was told by admissions that I would leave the school with an education that would provide with exceptional income as a XXXX. No job assistance was provided by XXXX. All I ended up with was {$120000.00} bill to repay, destroyed credit, and divorced behind all of this madness.
Consumer complaint received 2015-11-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (ME)

Navient would not allow me to make a payment toward my principle balance. I had to talk to XXXX levels of supervisors before someone would " allow me to make an exception '' and make a payment toward the current interest and whatever was left over would be made toward the principle. My regularly scheduled payment was not due for another two weeks. I am very unhappy that they would n't allow a payment directly toward the principle ONLY.