davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

IC systems contacted me once about an alleged bill with some tv company. I know this debt is not mine, they may have me confused with my ex wife, so I explained this debt was not mine and asked for validation of this debt through a letter. No debt validation was sent nor any proof this debt as being mine. I now have this collection showing on my credit files which is completely unacceptable. This collection must be removed from my credit files immediately. IC systems has a poor BBB rating, multiple complaints for illegal and harassing collection tactics, and is listed on watch lists monitoring fraudulent and scam debt collection. I will be filing a complaint with the BBB and state attorney general 's office immediately as well.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting XXXX accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.
Consumer complaint received 2017-11-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Richard B. Maner, P. C. (GA)

I would like to dispute the amount owed to Richard B. Maner, P, C, whom is acting as a debt collector  attempting to collect a debt as representative of XXXX XXXX XXXX 

I would like Richard B. Maner to present to me proof of their legal right to collect this debt. 
I would also like proof of the true amount owed as well as where this debt originated from. 

I would like to know why I can not direct contact with the correct decision makers on this loan, not the middlemen. 

I would like a chance to workout a settlement to this loan and request that the foreclosure date that is set for XXXX XXXX XXXX be postponed or cancelled. 

This Law Firm works hand in hand with XXXX XXXX whom has thousands of complaints about there unfair tactics on this site alone.
Consumer complaint received 2017-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

complaint about COINBASE my name XXXX XXXX XXXX address XXXX XXXX - XXXX XXXX XXXX - XXXX account in bitcoin XXXXXXXXXXXX on XXXX of XXXX i deposited XXXX eur to COINBASE deposit account as a deposit to start trading and buying and selling bitcoin. On the XXXX i got an email saying the deposit arrived from a XXXX account. which is correct, i have a private account in XXXX, but apparently payments from there are n't accepted. 

they also said in the same email the funds would because of this reason be reversed to my account within 1-2 business days. 

now on the XXXX of XXXX, still no payment in my account back. 

after 15 days still nothing in my account when they supposedly reversed my payment. 
please can you check i need this money in my account back asap. 

thank you XXXX XXXX XXXX
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I purchased an XXXX XXXX XXXX filter on XX/XX/XXXX. It was {$560.00}. I paid extra for delivery by XX/XX/XXXX. The amount was charged to my Amazon card. The air filter was never delivered. I called to cancel. I was initially told that Amazon could not refund me the amount until the " carrier '' sent the item back to them. I told them the Amazon website says the filter was never sent to the carrier for deliver to begin with. Two ( 2 ) customer service representatives on different occasions told me the charge was removed from my account. As of today, the charge is still on my account accruing interest. I attempted to engage in a chat online to resolve the dispute and the customer service representative ended the chat saying I had to file a disputed charge. Amazon continues to charge me interest each month on this unwarranted charge for an item I never received.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXXXXXX , IN XXXX
Consumer complaint received 2017-11-01
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: ERC (TN)

Out of nowhere, I noticed a collection account being reported on my XXXX credit report. It is with Enhanced Recovery Co L, and says the original creditor is XXXX XXXX. 

I feel that this is fraudulent because first, there is no account number listed, only a series of xxxxxxx. 

I have never had a XXXX XXXX account, until about a month ago when I got an account with XXXX/XXXX XXXX and they never said I owed them any money and had no problem issuing me an account with no deposit. 

I believe fraud has been committed.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

The company is Sears credit card service.I initaited a purchse to a company called XXXX XXXX to a XXXX XXXX XXXX for service with my idea I paid {$100.00} on XX/XX/XXXX and than {$590.00} on XX/XX/XXXX. According to the contract, I had 3 days to cancel my contract and get a full refund. I decided I did not want the service and felt uncomfortable with there service and called within 3 days and asked for a refund on XX/XX/XXXX I sent out an email and called no answer so I also left a message I contacted Sears credit card service because I used the credit card to pay for the service and they tried to contact the merchant as will after not receiving a response they issued me a temporary credit. About two months later Sears credit card company reversed the credit and charged it to me for lack of information. I then sent them the receipt and email attempting to contact the merchant by fax and email. Sears stated they never got my email and than they are still saying they need more information from me after I sent them the fax and all the necessary docments. I would like my credit back on my account I hope you can help thank you.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXXXXXX  Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , IN XXXX
Consumer complaint received 2017-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I applied for an auto loan with Wells Fargo. To my knowledge, the loan was approved. For the last three years, they have been taking the monthly payment from my checking account ( with my approval ). On XX/XX/XXXX I  received a letter from Wells Fargo Auto Finance indicating my loan had been declined. I contacted Wells Fargo and was told that " It might be an error ''. I asked for a letter stating that and was told that could n't be done. 

It makes no sense that three years AFTER the loan application AND taking the monthly payment, that I should receive such a letter. Nor does it make any sense that they will not put in writing that this is a mistake. 

I contacted the Office of the Attorney General for the State of Minnesota. They have sent a letter to Wells Fargo and strongly encouraged me to contact you as well. 

I 've included the two-page letter from Wells Fargo, dated XX/XX/XXXX and the first invoice I received, showing the first payment was due XX/XX/XXXX.
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Good morning, You have an demand deposit account linked to the email address XXXX,  possibly under the name of XXXX XXXX, his number is XXXX. This person is involved in criminal activity and it is doing fraud. I transferred {$400.00} from my bank account to his account using the mentioned email on XX/XX/XXXX in exchange of concert tickets. He stole my money and never sent the tickets. I requested an investigation from my bank and requested to cancel the transaction within an hour of sending him the money. It was in process at this time. I want Citibank to take its fiduciary responsibility, refer this complain to the Bank Secrecy Act / Compliance Officer, conduct a research, monitor transaction activity in this account, and file a Suspicious Activity Report. This person should be in the radar screen of federal prosecutors as he is committing online fraud activity. See attachment for evidence. Please take action.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  {$1500.00}
Consumer complaint received 2017-11-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hello Ive recently was notified the my opportunity for employment has been denied because of my equifax credit report. Two fraudulent collections accts from hunter warfield was re inserted on my credit filed after being proven fraud and deleted TWICE and from all other bureaus. These acts was reinserted on XX/XX/XXXX. Equifax has maliciously allowed whomever to continue to harm my well being. I consider my self a pretty savvy consumer and i did the research " '' IT 'S AGAINST THE FCRA TO REINSERTED ANY PRIOR DELETED ITEM WITHOUT NOTIFYING TO CONSUMER 5 DAYS IN ADVANCE '' Ever since the Equifax breach I 've heard things like that was happening via the internet but never in a million years i thought it would happen to me especially after i went through XXXX proving it was n't mine debt. Up until XXXX XXXX, 2015 I stayed with my now divorce wife in our house so how the XXXX i have apartments in my name. I 'M TIRED OF THESE ISSUES I CALLED EQUIFAX AND THEN THEY ALL OF SUDDEN THEY COULD N'T VERIFY WHO I WAS YET THEY JUST REMOVED INQUIRIES AND PERSONAL INFO. SO THEIR CONTRADICTION IS SO SO CLEAR AND DELIBERATE ... THEY KEEP ALLOWING THEM ALSO TO ADD THE FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX link to the bs accts
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I applied for a mortgage with Quicken Loans on XX/XX/XXXX and in speaking with my purchase banker XXXX XXXX we discussed " rate lock '' at 3.625 % and he told me that it would only cost {$500.00} which I could pay with a credit card and then be refunded at time of close. Given the rate had dipped I wanted to lock it in so we proceeded on the call where he took my info and CC #. When it came time to close on XX/XX/XXXX my attorney pointed out on the paperwork that Quicken was attempting to charge me over {$13000.00} in fees ( points ) on my loan which was never discussed at any point in time ( see call recording from XX/XX/XXXX ). Additionally, XXXX told me that they would lock the rate for 60 days to get us to close and came to find out they only locked it for 40 days then raised the % of points on XX/XX/XXXX which cost me an additional $ 2,000+. Through subsequent research they moved this date around from XX/XX/XXXX on XX/XX/XXXX then on XX/XX/XXXX moved the date out to XX/XX/XXXX with more points added for no reason - a clear grab for more $ . During this initial call I was asked to docusign nearly 100 pages of documents that quickly scrolled through the screen. We then were unable to get a hold of anyone at Quicken including my banker at closing and were put at risk of losing our home due to being given the run around and delay so we would just pay the fees. We were directed to XXXX XXXX at Quicken who listened to the call recording an admitted that Quicken never once discussed paying points at anytime on our calls. Additionally, Quicken chose to " archive '' only 6 documents out of 50+ on the portal and one of those was the Interest Rate Disclosure ( Rate Lock ) paperwork and Intent to Proceed from XX/XX/XXXX which further obfuscated my ability to crosscheck any of this information for reference during the process which added to the intentional deception and I believe is a common practice at Quicken to lock out their clients from critical data and collect fees. I believe this falls under the Deceptive Act or Practice guidelines specifically due to the omission of critical and incredibly costly information. 

My situation is incredibly similar to complaint # XXXX filed with CPFB on XX/XX/XXXX and matches up with 15 other complaints against Quicken on the CPFB dating back to XX/XX/XXXX. This practice is clearly meant to be misleading and deceptive to their customers and especially for a first time home buyer like myself and an attempt by Quicken to collect massive fees from unsuspecting buyers by omitting critical information. This business practice is predatory and preys on an individuals trust. This was recently escalated to their " Executive Office under XXXX XXXX ( XXXX ) so they clearly realize they are at fault.
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DE)

Santander Bank NA offered high interest rate CDs about 18 months ago. Bought two substantial CDs ( different maturities ). f Was told I had to also open a checking account as part of their teaser rate offer. I told the desk officer that I had no intention of using another checking account, and was told that would be fine. Also expressly asked whether there would be any fees, and was told " No. '' So I also opened a checking account with {$100.00}, and did n't even bother ordering checks. 

In XXXX of this year, received a statement which, in fairly small print, said " If your account remains inactive for one year, we may discontinue mailing paper statements ( online statements will still be available ) and, depending on the type of account you have and your balance, we may begin charging an Inactivity Fee. '' Note the use of the word " may, '' twice. 

That statement showed a deduction of {$16.00} for Inactivity Fee, so balance down to {$84.00} as of XXXX/XXXX/XXXX. 

I decided that was minimal, so took no steps at that time. Figured at {$16.00} fee annually or quarterly, the yield on the CD 's still made the transaction worthwhile. 

But unless my memory has failed me, the next statement I received was just this past month -- XXXX XXXX. It had the same legend as quoted above, but showed the checking account balance as {$0.00}. In fact, showed that XXXX balance as of XXXX, which means that between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, Santander had taken {$84.00} in Inactivity Fee ( s ). That 's in 6 months, and w/o sending monthly notices. 

I have a very hard time believing that these undisclosed withdrawls were based on ad hoc decisions. I have to believe that when Santander said it " may '' discontinue monthly paper statements, it had already programmed to cease monthly paper statements. Similarly, when it said it " may begin charging an Inactivity Fee, '' it had already programmed to do so, and knew what the amount and frequency of the fee would be. 

In all, Santander 's comments and printed materials are misleading in the extreme. Over {$100.00}, I ca n't do much more than send this complaint, but I imagine others have had similar experiences and perhaps you could get them to be more accurate in their printed materials. 

Thank you.
Consumer complaint received 2017-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (LA)

Me and my wife bought our home in XXXX XXXX. My wife was laid off from Caliber Home Loans on XXXX/XXXX/XXXX. Caliber Home Loans cause a lot of problems for her after they laid her off. She had a problem with getting my payroll check which is to help pay the mortgage. So we fell behind. At the time I was only delinquent for XXXX XXXX. So I called in XXXX XXXX and tried to get a XXXX XXXX. I started sending in the paperwork they requested to obtain the loan modification. After I would send the paperwork, I would call and the Caliber Home Loans rep would say it takes 5 days to review the documents. So I would call back after 5 days and the Caliber Home Loans rep would say some documents was missing. I did this Over and Over and Over again with Caliber Home Loans Person of Contact, which was different people every time. At that time, my house was not in foreclosure. But due to Caliber Home Loans giving me the runaround, my house is now foreclosure. Countless of times, I receive letters in the mail dated the same date asking for different documents. See attached documents showing that. Now my wife has a job and all we want is to keep our home and get a loan modification to get back on track. Caliber Home Loans claims to be recording all conversions so please ask them for the recorded conversions my wife had with countless Caliber Home Loans reps.
Consumer complaint received 2017-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (NC)

I have been a XXXX XXXX sworn XXXX XXXX  XXXX since XX/XX/XXXX. I completed a XXXX in XXXX in XX/XX/XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( education services ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an MD.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

After discovering that this company had placed a " paid collection '' account on my credit reports, I disputed the account with the credit bureaus. The account came back " verified ''. On XX/XX/XXXX I sent the company the attached letter. They ignored it. On XX/XX/XXXX I filed a complaint with the Better Business Bureau and they ignored them as well ( please see attached ). I am now filing a complaint with the CFPB. We will see if they will ignore you too. I am a veteran of our military forces. I did not fight for this. What is going on in our country?
Consumer complaint received 2017-11-01
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. (GA)

I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well
Consumer complaint received 2017-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

My HELOC with CHASE allowed me to change to a fixed rate versus a variable rate I called CHASE in 2015 and they refused to allow me to change to a fixed rate although my contract clearly allowed me to do it Also CHASE refused to allow me to use my HELOC saying that my house was worth 1/2 of the value when the HELOC was established The facts are : 1 ) my  HELOC allowed me to change to a fixed rate ; 2 ) my house is worth twice what it was when the HELOC was established I have tried to work with CHASE, as they have requested based on the complaints I have filed with the Officer of the Comptroller of the Currency However, when I call them it says '' please hang up '' or it sends me to voice mail and no one calls me back I need your help, as I am convinced they are committing fraud by forcing me to pay them more each As the variable interest rate has gone up over +1 % since 2015 This could be as big as the fraud committed by XXXX XXXX in forcing customers to buy and pay for things they never requested Please help us as we are retired and live on our social security and dividends from savings and I also teach at class in economics at the local college The constant rise in our HELOC, when our contract allows for a move to a fixed rate, payment is unfair and CHASE is taking advantage of us Without your help the fraud will continue and our payments will continue to increase XXXX XXXX.