davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to the dealership XXXX XXXX 2016 to get my radio repaired. While in the waiting area I spoke to a sales rep about wanting to get a GT model in the future. Next thing I know I get an alert from XXXX saying I authorized a inquiry. I walked to counter and asked him if he was running my credit because I just got an alert. He assured me that he was taking a peak. I never authorized him to run my credit and I have contacted them directly and they have not responded and it has been over 30 days. I already had my credit ran multiple times in XXXX, why would I approve to run it again, when I was just asking questions about a car, not buying another XXXX. This has been damaging to my credit and needs to be removed.
Consumer complaint received 2016-08-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

I did not pay Wells Fargo Home Mortgage late They are reporting this for 10 years of debt and I did not pay them late.This shows up negatively on my credit They have been contacted several times and they say we are working on it and never conclude the investigation they are working on. This has cost me several loans and credit card because of this nit beinghandled in a proper manner
Consumer complaint received 2017-01-08
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (CA)

Although I finished attending XXXX I am still paying for student loans for a degree which is not desirable or worthy of mentioning on a resume. I have paid off XXXX of the loans and feel as if the second loan may possibly be seen as already paid due to how much has already been repaid. I am paying interest for a degree that was deemed fraudulent by the government. I realize that by signing to repay the loan in good faith on my part was a responsible action, now I ask that my good faith by paying for a worthless degree be rewarded by you to end paying for said loan. 

Thank you, XXXX XXXX
Consumer complaint received 2016-12-12
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (IL)

I have contacted LV NV funding LLC regarding a loan that I had with XXXX financial as of today I have disputed it with all the credit agency and them numerous times that issue that I have is that in XXXX 2016 they said that I made a XXXX dollar payment on my account which I have not paid a dollar on the account the account is in accurate the amount owed is in accurate the timeframe is in accurate and the whole account is just wrong they refused to remove it they are very very rude I 've asked them to validate the debt and they are not doing so they just keep updating the information I do not owe the {$740.00} the account balance from the last record that I had was XXXX dollars they will not tell me where they arrived at the {$740.00} they will not provide me any documentation showing any information about the debt all they give is the date and the amount that 's it
Consumer complaint received 2016-11-05
Product: Credit card — 
Issue: Cash advance — 
Company: WELLS FARGO & COMPANY (TX)

I received an offer to take a cash advance against my Wells Fargo Credit Card for a promotional rate of 3.9 % for one year, in the amount of {$7500.00}. I also use this credit card for purchases, and I made {$5000.00} in purchases. I always pay off my purchases when the credit card bill comes in. So, when the bill came for {$12000.00}, I paid {$5000.00}, realizing that the interest on the {$7500.00} would go against an outstanding balance that interest would be charged against. To my surprise, Wells Fargo applied the entire {$5000.00} to the promotional balance, leaving the purchases unpaid, at an interest rate of 12.49 %. So, the upshot is that if you do n't use the credit card for ongoing purchases, you will probably get the promotional rate on the full amount of the cash advance for a year ( as advertised ). But, if you actively use the card, then the promo balance will be paid off in a few months, and you will owe a much higher rate on the purchases - which never got paid. None of the information about the promotion indicated that this is how payments would be applied. Wells Fargo did refund all the interest that I paid this month, but said I would need to call back every month and ask for the interest back - and they may or may not be willing to do this. Had I known that this was how they were going to apply the payments, I would have never used the promotion. I already had the {$7500.00} on a loan with a 6.5 % interest rate, so I am worse off now.
Consumer complaint received 2016-12-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

I had leased a XXXX and my lease was through Ally XXXX. I returned the car at the end of the lease on XX/XX/2016. The inspection was done by Ally on XX/XX/XXXX ( after XXXX weeks ). Then Ally sent me a bill for {$550.00} for damages that did n't exist when I returned the car. I spoke to Ally a couple of times and emailed them but they just keep sending me the bill.
Consumer complaint received 2016-03-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Love, Beal & Nixon, P.C. (OK)

A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX, XXXX, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, on XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.
Consumer complaint received 2017-01-08
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Strategic Alliances, Inc. (LA)

I was contacted once by phone from a representative demanding I handle a {$4000.00} balance from an accident I had on XXXX/XXXX/2016, with no proof or verification from the charges. I had made clear I wanted documentation from the damages and list of charges I was to pay for I was told they did not have that information. In my refusing to answer rather personal questions in which I felt very uncomfortable I disconnected the call. A week later I receive a letter from the Office of Motor Vehicles stating my Driver 's License would be Suspended and Registration Certificate and license Plate will be revoked in 30 days. I contacted the OMV and they informed me that I would need to show proof of payment arrangements setup or being made with First Financial Asset Management. I then contacted First Financial Asset Management and they told me since I had disconnected the call that the block was sent by the rep and therefore I must pay XXXX upfront right away because they were aware I needed a legal driver 's license. I was not contacted and made aware of the next action to take place and to impose a {$500.00} charge upfront is unreal and unfair. I made it clear I have a sick mother I care for, and the recent death of my child 's father, and that I could make at least a {$100.00} payment before I had even received the proof of charges, so that shows I was trying to cooperate. This company imposed extra punishments on me out of spite and personal feelings, in turn causing more debt to me.
Consumer complaint received 2016-10-19
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (TX)

I 've had an American Express Serve card for at least a year, maybe longer. I got the AMEX XXXX ( prepaid ) card because there are NO FEES, which is wonderful. My purpose in getting the Serve card was that every time I get paid by my employer, I put {$300.00} on the card. That {$300.00} is used to pay for food items, so until last week, that is all I had ever used the card for. But last week, I bought {$20.00} of gas ( paying at the pump ) with the AMEX XXXX card. Before I started pumping the gas, I checked my card balance, which was about {$95.00}. I bought {$20.00} in gas. Next thing I know, I get a " Low Balance '' email alert from AMEX advising that my card balance is ZERO!!!!! That 's because the gas station charged my card {$100.00} for {$20.00} in gas!!!!!!! I was FURIOUS. I called AMEX and told them I wanted to report FRAUD and THEFT because the gas station took {$100.00} from my card even though I only bought {$20.00} in gas. The AMEX representative told me THAT IS NORMAL and LEGAL. I said NO IT 'S NOT so are YOU going to refund my money or do I fight with the gas station???? After keeping me on hold for 10 minutes, the AMEX rep came back and said they issued a refund of my money but that I can not use the AMEX XXXX card to pay for gas AT THE PUMP ; you have to pay for gas INSIDE the store. WHY IS THE AMEX prepaid card allowed to be treated ANY DIFFERENTLY than a debit card? The money is taken off the card IMMEDIATELY. This is the XXXX century. There are not more " wait XXXX-7 days before your transaction shows up ''. THIS IS DISGUSTING and SHOULD NOT BE ALLOWED. I happen to always have about {$2000.00} in my normal checking account ( debit card ), but what happens to honest to XXXX POOR PEOPLE who ONLY have prepaid cards and then they use it to pay for gas at the pump and the gas station takes {$100.00} off their prepaid card and they have to wait XXXX10 days to have their money refunded??? THIS SHOULD NOT BE ALLOWED. I hope the CFPB can and will do something about this GROSS INJUSTICE. Thank you. XXXX / XXXX Texas
Consumer complaint received 2016-12-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

On XXXX XXXX, 2016 and XXXX XXXX, 2016 I filed a dispute for XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate these items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when I contacted the Ohio Department of Taxation and the XXXX office they both stated that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the record reporting. Upon contacting Equifax, on two separate occasion on XXXX/XXXX/16 and XXXX/XXXX/16 via certified mail, requesting that they mail a description of their procedures, indicating the exact name and contact information for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The two tax liens for {$3900.00} ( reference Number XXXX ) and {$630.00} ( reference Number XXXX ) should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.
Consumer complaint received 2016-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I applied for a home loan with quicken home loans.Quicken chose XXXX XXXX Appraisals to do the appraisal of XXXX XXXX XXXX XXXX XXXX XXXX Cerification # XXXX did the appraisal and stated XXXX Square feet causing my loan to fail. Quicken chose this appraiser and I paid XXXX dollars for a bogus appraisal. I had no part in choosing this appraiser and should not be penalized for her errors.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: ID Analytics, Inc. (NJ)

I tried to talk to a live person for the credit bureau to freeze my credit report. That bureau, SageStream , LLC Consumer Office, formerly known as IDA Inc. There is never possible to talk to live person in their business hour and only allow me to do voice mail which is so inconvenient. They do not accept foreigners request as they strongly need their list XXXX files to do freeze report. And the files literally give people no way to make freeze done. For example, they want NON-US Person US PASSPORT picture page,, they want Birth certificate where they have no ability to read other language file and if you submit they would not accept them. Weird thing like that can list endless. 
They revoke foreigner 's people right for their own credit report freeze.
Consumer complaint received 2016-07-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo is stating that they did not receive my mortgage payments for 4 months which I learned this new information on XXXX XXXX late that evening and that my house was in foreclosure. My last payment was on XXXX XXXX of 2016 and when I called to check on my payments they said everything was fine. On the XXXX XXXX When I found out that they had a place my house in foreclosure right after making my payments. Now I am presently being investagated by Wells Fargo for their mistakes. Which they have change the resolution dates for their findings three times and it 's XXXX XXXX. They are refusing to deal with me and advised me to contact you all after a disagreement. They are saying that all long they had the wrong account number but in XXXX they used the same account number save XXXX which they got their payments. I have not received any notices that they had this problem nor my house was going in foreclosure until 6 days later after making my house payments. Please help me..
Consumer complaint received 2016-05-12
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (IL)

Today, XXXX XXXX, 2016, I bought what I thought was a prepaid XXXX card to pay a bill online. 

I got home and realized it was n't a regular prepaid card. It was a XXXX branded by a company called " PayPower ''. 

To access the funds and pay my bill, I " activated '' the card ( https : //www.paypower.comXXXX ) and found myself being required to open an account. 

My cash was now locked into the card and I had to pay my bill so I continued the process, intending to pay my bill and then close the PayPower account. 

Once I had paid my bill, I logged back into PayPower. The site showed my payment had been made and was pending. 

So I looked around the site for a way to close the account and avoid any fees. There was no information about closing the account so I tried to send PayPower an e-mail. 

Multiple attempts to use PayPower 's e-mail feature failed. So I called them at XXXX XXXX. 

After a very long wait, I was told a " ticket '' had to be opened in order to close the account and that I could n't cancel the account without also cancelling the pending bill payment. 

I asked about incurring additional fees and was told I would n't if I cancelled within XXXX7 days. When the pending payment clears, I was told to call back to cancel the account. 

I 'm very worried about this. 

1. Why ca n't I just cancel this unwanted account? 

2. How long can my payment be " pending ''? 

3. Why is an " account '' being sold in packaging that describes it as " XXXX Prepaid Card '' in big, bold letters? 

4. Why should I be subject to the threat of additional fees in such circumstances?
Consumer complaint received 2016-12-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

XX/XX/2016 I CALLED MY FINANCIAL INSTITUTION, US BANK, AND COULD NOT USE MY PIN NUMBER ON THEIR SYSTEM. I WAS CONNECTED WITH A BANK OPERATOR AND WAS INFORMED THAT MY ACCOUNT WAS BEING CLOSED. I THEN REALIZED MY CARD AND ID WERE NOT IN MY WALLET OR PURSE OR ANY POSSESSION OF MINE ( CAR, HOUSE, ETC. ). WHILE ON THE PHONE WITH THE BANK OPERATOR I INFORMED HER THAT MY CARD IS MISSING AND MY ID. SHE THEN TOLD ME I NEED TO FILE A FRAUD REPORT FOR TRANSACTIONS MADE ON XX/XX/2016. I ASKED HER WHY WAS NOT I NOTIFIED OF THESE TRANSACTIONS. I ALSO INQUIRED ABOUT MY PAYROLL DEPOSIT THAT I WAS EXPECTING THE NEXT DAY- XX/XX/2016. THE BANK OPERATOR TOLD ME THAT MY SAVINGS ACCOUNT WILL ALSO BE CLOSED BECAUSE OF THE TWO TRANSACTIONS MENTIONED. I INFORMED THE OPERATOR AND ALL OTHER US BANK PERSONNEL OF THE DAMAGES THIS WILL CAUSE TO ME BY NOT HAVING MY PAYCHECK AVAILABLE. I WAS TOLD TO MAKE A FRAUD CLAIM AND SO I DID THE SAME DAY. WHEN I SPOKE WITH THE OPERATOR IN THE FRAUD LIAISON DEPARTMENT I WAS TOLD I WOULD BE SENT PAPERS TO COMPLETE AND RETURN WITHIN 10 BUSINESS DAYS TO SALVAGE MY ACCOUNTS AND HAVE ACCESS TO MY MONEY. I WAS NEVER SENT ANY PAPERS OR FORMS FOR ME TO COMPLETE NOR SIGN NOR SEND BACK. I CALLED THE FRAUDE LIAISON CENTER AGAIN AND WAS FORWARDED TO THE FRAUD PREVENTION CENTER TO INQUIRE ABOUT MY PAYROLL DEPOSIT. I SPOKE WITH A VERY RUDE AND UNPLEASANT OPERATOR NAMED XXXX WHO ONLY ESCALATED MY SITUATION AND ENDED UP DISCONNECTING OUR CONNECTION!! I AM SHOCKED AND OUTRAGED AT THE SERVICE I AM GETTING FROM THIS BANK AND AM BEING TREATED UNFAIRLY AND BEING WITHHELD FROM MY MONEY THAT I WORKED FOR. I NEED MY MONEY AND I WANT MY MONEY REMOVED FROM THEIR INSTITUTION.
Consumer complaint received 2016-12-12
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

XXXX XXXX payment paid XXXX/XXXX/16. Santander reports payment XXXX59 days past due. Payment came out my account XXXX/XXXX/16. Santander reports no payment for XXXX in the historical account information section and XXXX59 days past due is the negative information reported. In addition, I made payment in XXXX for twice the amount of the monthly payment and Santander refuses to apply the payment correctly. This has happened twice in the past where the branch applies the payment Incorrectly. The branch told me to contact customer service and customer service refused to apply it correctly and refused to update my credit report. They only updated it to show I made XXXX 's payment after the first dispute but did not update over 30 days or historical account information to show XXXX payment. I request for Santander Bank to accurately report the correct information for XXXX/XXXX/16 payment to all XXXX bureaus since I have to bring this matter through Federal Trade Commission.
Consumer complaint received 2016-03-08
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (CA)

OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?
Consumer complaint received 2016-03-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

Had lab work done at doctors office. XXXX XXXX lab did not bill ins co. I have complete coverage. Sent my bills to incorrect address. Never received bills. They did not attempt to get right address. Put bill into collection. American Medical Collections never contacted me at my correct address but attached this debt to my credit report which was flawless. XXXX Notified them the debt was in error but the collection agency will not take it off my credit report for 45 days. This has significantly lowered my score. XXXX will not send me a letter that they made error sending to Collections.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SUNRISE CREDIT SERVICES, INC (FL)

I sent Sunrise Credit Services to certified Validation of Debt letters. They never responded to my request and never gave me any prior notice of this debt. My understanding of the Fair Credit Reporting Act they are required to provide me the information I requested and if they do n't they are required to remove this negative report with the CB. Furthermore, they ran my credit without oral or written authorization damaging my credit as well.