davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (OR)

In XX/XX/XXXX i had an agreement with Synchrony Bank for Paypal Credit to have 2 auto pay deductions to pay off a credit line. They only took 1 payment and never notified me of the remaining balance. On XX/XX/XXXX i pulled my credit from annualcreditreport.com so I can prepare for a new job. I discovered that the balance is still showing up on my credit as a charge off. I called Synchrony bank right away, and they advised they has no notes about the auto pay, but showed the settlement amount, and the last payment due as well as the first payment taken. 

I then called back on XX/XX/XXXX to pay off the account. I requested that they send me something in writing showing it was paid off, and they refused. They claim they can not send me anything, they can only give a confirmation number. I then asked for them to send me a statement to show what's left owing. Again, they refused claiming they can not send me anything. I asked to speak to a supervisor and was told they don't have any. I requested to speak to someone else and they refused. I continued to ask for something in writing showing what I owe and the representative hung up on me.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I contacted XXXX XXXX. about opening and account. I told them that I would be moving in a few months and that if it was a problem to move, I would wait to get service until I have moved to my new place. The representative told me that it would be no problem, as you get XXXX free move a year and I could get it moved to the new address. So I signed up. When I got ready to move, I called XXXX to have my service moved and was told that it would be over {$400.00}. I explained to them that the rep said I could get XXXX free move a year. Now they tell me its only after you have had service for XXXX year that you get a free move. I asked to speak to a supervisor, started all over and was told the same thing. I was told that the sales rep did n't have anything to do with moving that was a different dept. I told them that since all of my calls were recorded, they could look it up. I paid my bill for the months that I used the service and did not move it because they lied to me when I signed up and I would not pay for to have the service moved when they assured me in my sign up that it was free. They broke the contract by not doing their part of the agreement. They should not be able to harm me or my credit by adding a report that does not reflect what really happened. It is not an unpaid bill. They did not supply the service that I signed up for and I am not responsible for it. They can not lie to get a consumer to purchase a service and not stand behind what they say, then expect to be paid for it anyway. Companies take advantage of people and then we either have to pay a bill that we do not owe or have our credit harmed. It 's not right that they can come back in over a year later and put a harmful account on my credit. I was very happy with my service and probably would still have it if they had moved my service as they said. They need to have everyone in their company on XXXX page. They ca n't just say XXXX thing and do another. Even if that was their policy, ALL employees should be trained and know that policy, every department, every erson. It 's not right to say they are not responsible because someone in their company told me wrong. It is their responsibility. They can go back and listen to the recording. Simple answer. Stand behind what their own representative told me to get me to go ahead and sign up for service now. I could have easily waited until I moved. Thats why I questioned it and told them I was moving from the very beginning. XXXX XXXX. lied to me to get me to sign up and did not follow thru with the service they gave me.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

This alleged debt was previously reported and disputed with another collection company and subsequently removed from my credit report. This company has sent no notice to me that they have the debt or of my rights to dispute. They simply re-aged it and put it on my credit report as a new collection. I only became aware when my credit monitoring service alerted me of the new listing.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

I received a 30 and 60 day late notice on my credit that was reported by XXXX Bank. I disputed with experian XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their XXXX Account XXXX I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

First, XXXX XXXX XXXX has admitted to supplying a false address on my credit report and as Experian can tell, was allowed to change the address after verifying the address for months as the XXXX Virginia. I am also including the last statement from XXXX XXXX XXXX that has the account balance as {$0.00} and XXXX XXXX XXXX has itself said that they filled a XXXX forcing me to pay taxes on this account as miscellaneous income. In the case XXXX XXXX, a judge stated that if any company filled a XXXX that they have given up all rights to collect any money on the account since filing a XXXX is not required until the debt is written off so it is the company 's choice when to file. Next, I just noticed that XXXX XXXX XXXX is on my Experian credit report, this account is not only fradulent but XXXX XXXX XXXX gave up all rights to collect on this debt in a settlement that I am attaching with this complaint signed by myself, my representative, and their representative. Lastly, I have no paperwork to send with my complaint that XXXX XXXX is a fradulent account, but I will attach a picture of the only jewelry I have, my wedding ring, and you can ask them if that is the jewelry they are talking about, I guarantee you that it is not since I bought it from XXXX. XXXX XXXX XXXX, XXXX, and XXXX XXXX are all result of fradulent and illegal activities. I AM SAYING THE ENTIRE ACCOUNTS OF THOSE XXXX BANKS LISTED ARE A RESULT OF FRAUD AND I AM SAYING EVERYTHING THEY ARE REPORTING IS WRONG. I put that in all caps since Experian has a hard time figuring out that I am saying all XXXX accounts are completely fradulent and wrong. I know you received my certified letter and I lent what I said, 30 days after you received that letter that I will name Experian in my lawsuit if these XXXX accounts are not removed. Experian is required by law to block fradulent and illegally reported information and Experian has refused to block this information. I am serious and once the paperwork is filed, I will not settle out of court.
Consumer complaint received 2016-09-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (CA)

I called the company on XXXX/XXXX/16 to request that all ACH transactions be stopped due to a problem with my bank account. I was told it was stopped and nothing would be debited. I sent in a money order as my p/ayment as instructed as an option to pay. I called a 2nd time on However, my account was still debited and I 'm being told there 's nothing they can do.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (SC)

I applied for credit card in Wells Fargo recently and they approved my credit card and then closed all my accounts due to fictitious claims and fraud they filed against me without any due process. When i found out that i can used the card i then applied for balance transfer for the amount of XXXX dollars under XXXX card. It 's almost been 2 weeks since i did it and no response was made so i applied for a new card to take advantage of the offer of zero APR for 15 mos. I called Wells Fargo to follow up so that i can just consolidate my debt in one and they did approved the balance transfer after the conversation on the phone and then after that i was issued a letter informing me about the closure. They are very tricky since i had a feeling that my balance transfer will either be denied if i did n't have any card at all and so even if i still have doubts i continued the process. And what a co-incidence when my accounts was closed on XXXX XXXX, 2015 then the letter came in dated XXXX XXXX, 2015 closing the credit card while when i called earlier for follow up i was n't informed about the closure. So to make it short i applied for balance transfer again to another account to avoid any inconvenience and surprises under the company and i am waiving the balance transfer fee since i was charged XXXX dollars for savings account without issuing any checks at all and if somebody issued me a check or remittance they are the XXXX liable for any draft fee. I feel humiliated for their harsh treatment and being ignored in spite of my plea to prevent my account from closing too.
Consumer complaint received 2016-05-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT)

My mortgage lender has not paid my property taxes and I now have a warrant against the property. They have not received a payment from them since XXXX 2015. Next payment was due XXXX 2015. I sent my lender a deliquient letter and they said it would be paid within two weeks. Two months go by and that 's when I received a warrant from the XXXX. I 'd like to know how to proceed and it it possible to change lenders. I have absolutely no trust in them and they are clearly mishandling my mortage payment that I send to them on time every month. This lien goes on my credit and I 'm at risk of losing my home.
Consumer complaint received 2015-07-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC. (CA)

To whom it may concern, I am writing this letter in regards of a recent credit check that I submitted and received. I am very concerned regarding an Adverse Account that was created by KONDAUR CAPITAL CORPORATE. This is a former mortgage loan I had in 2013. 

According to the credit check history, it shows a XXXX day past due payment for KONDUAR CAPITAL CORPORATE. I highly disagree with this information and its accuracy. I have paid on time since the loan commenced on XXXX of 2013, with the exception of the last month ( XXXX 2013 ) due to the loan was in the process of refinancing with a different mortgage company. The last payment was due on XXXX XXXX, 2013 and with a grace period to XXXX XXXX, 2013. The entire loan including the month of XXXX was ultimately paid off in full on XXXX XXXX, 2013. The pay off included a late fee of {$30.00} dollars was added to the invoice of XXXX and was also included in the payoff that was sent by the company that was refinancing my loan. 

In addition, all payments sent to KONDUAR CAPITAL CORPORATE was sent from XXXX XXXX XXXX XXXX a program that is directly enrolled to my bank account. This account has been sending the stipulated funds to KONDAUR CAPITAL CORPORATE on time. It should be noted, the original lender was XXXX and it transitioned to KONDAUR CAPITAL CORPORATE. Not sure if that had anything to do with it but according to my statements, all payments were made and received on time accept for the aforementioned month. There should be not derogatory information of a XXXX day past due from KONDAUR CAPITAL CORPORATE. The first month of XXXX of 2013 was paid on time and the last month of XXXX 2013 was paid off with the total amount of the full loan amount on XXXX XXXX, 2013.
Consumer complaint received 2016-03-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo is denying a modification saying I do n't have enough to support a modified payment .Mt rental income alone would support a hypothetical modified payment of amounts owed estimated {$200000.00} in a 30 year note at a market intrest rate.XXXX.This is wrong this unit serves as my primary residence also and there is no where else to go.This entity is awful to deal with, they have expenses that are no longer valid and they have been informed of this and they had my income wrong, its more.
Consumer complaint received 2017-02-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I work at the National Credit Union Administration and Wells Fargo manages NCUA employees ' retirement accounts. On atleast 4 calls ividuals, I attempted with XXXX WF employees I insisted I want to get an online account ONLY for my retirement acct. I also have a checking account with with Wells Fargo that I insisted be paper only. Instead, Wells Fargo employees deliberately steered me to secure an online presence for ALL my accounts and wanted to then give me investment advice. 
I have since changed back my checking account to mail only.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I was originally a client of XXXX, then Wachovia Bank which were purchased by Wells Fargo Bank. Consequently, I had not signed any document concerning an arbitration clause with Wells. 
On XX/XX/2013, I received a package of forms entitled " Consumer Account Relationship Change Application '' from Wells Fargo directing me to submit new signatures for my accounts to '' protect '' them from fraud and fight terrorism. Buried in the fine print text below the signature line was a clause stating that by signing the document, I agree to arbitration and not a jury or judge trial in any dispute with the bank. Needless to say, I signed nothing. The bank resorted to trickery to instigate their forced arbitration. 

PS : I still have the Wells Fargo letter if you are interested. 
. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

I was sent a letter from Wells Fargo regarding my mortgage on my property at XXXX XXXX XXXX XXXX, AZ XXXX to refinance my loan, the letter stated that if I sent them XXXX that could be my payment instead of the usual XXXX All I had to do was to start those payments, I did that in XXXX as requested by the letter. Now, I get the check back saying that that was n't enough money for my mortgage so my mortgage could be in default. I sent that amount to start my mortgage loan modification. I am sending you the letter I received. I did not receive any more phone calls. Now I have a letter with a check in it that they have not accepted. I have never seen anymore incompetence then these people on mortgages. I get a different loan perservation officer everytime I turn around. I have dozen of letters from different names. The loan officer does not live in my state. I can not contact anyone in my state to help me. They just refer me out to some XXXX number. This is ridiculous. This is my home and I have worked hard to keep it. They have done nothing but add to confusion and misrepresent their offers by mail. If I do talk to someone by phone, they dont even know what is going on with my loan preservationist. I am beginning to wonder if that person really exists. I am tired of dealing with incompetence and fraudulent behaviors and it has caused me great grief and stress to keep dealing with different people all the time. I am sending you the letter I received and a copy of the check that was returned to me. I am tired of all this misrepresentation and fraud.-+
Consumer complaint received 2016-01-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SD)

my wife lost her job I missed a pymt. the mortgager called ask what was going on they said the would give me a Forberance for a year then when the year was up we would do a Loan Mod. as of XXXX of 2015 been putting in apps for a loan mod it takes like almost 3 months per app and I was denied everyone of them! its like they told me it was a done deal that I would get a mod that the only reason I did the forbarence! then in XXXX of 2015 after the last denial, and they do not accept pymts when I 'm trying to get a loan mod!! they Tell me that they were sorry But I was ever even Eligible for a Loan Mod!!!! so now they want {$9500.00} in Full plus what ever other charges they have!! I think this whole thing was wrong what wells fargo did to me!!
Consumer complaint received 2016-12-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Garrison Investment Group (FL)

After reviewing my credit report I noticed a delinquent account with Foundation Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. After calling Foundation and after submitting a fraud report the issue has not been resolved and still being reflected in my credit report. The letter was submitted on XXXX XXXX XXXX. The account ending in XXXX the account ( I believed ) was open my my ex-wife and she use my personnal information, since she has such informaion ( such as SSN, full name, DOB ). I reported such activities as fraud and I have received no resolution from Foundation Finance. I was able to demonstrate that I was in XXXX when the activity took place. i do not live in XXXX XXXX XXXX XXXX XXXX XXXX since XXXX when I moved to a different address.
Consumer complaint received 2020-07-30
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: EQUIFAX, INC. (MA)

How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I applied for a car loan through a private lender. It made me go to the TransUnion website and get my credit score to type in to their website. At no time did I check any boxes agreeing to pay after 7 days. We paid {$1.00} to get my score. Today, XX/XX/2019, I had a charge of {$19.00} come out of my bank account from TransUnion. When I called, they were dodging the issue, couldn't tell me what they were charging me for, wanted me to provide another credit card number, and didn't want to refund the service fee. They wouldn't even tell me what they were charging me for. 

They have claimed to have cancelled the subscription, but have not refunded my money that I never authorized them to take.