davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

I spoke with ERC in regards to a bill that is owed to XXXX on XX/XX/XXXX. They informed me that they were trying to recover a {$2000.00} bill that they believe I owe. 

I informed the first agent in the 1st 4 minutes of the phone call that I was disputing the bill because XXXX continued to charge me service fees after they had shut off the phone service. The represented continued to try to collect the debt, asking me how much I would settle the account for. He then transferred me to an account dispute representative XXXX XXXX. 

Over the next 20 minutes of the phone call, I advised Ms XXXX again that I wanted a copy of the bill and that I do not believe I owe the bill. I explained that XXXX would have been paid had they not continue to charge me service fees when I was not receiving services. She even verified that services were ended in XXXX of XXXX but service fees continued until XXXX of XXXX. I asked her if she saw my point. She the ended the phone call by saying that they would send me the requested information. I only received a letter from ERC saying that I needed to dispute the bill in writing within 30 days. 

Today is XX/XX/XXXX, and I have yet to receive the information that Ms XXXX promised over the phone to verify the bill. The bill is still being reflected on my credit and I want the bill removed. I was denied a job from XXXX that I was supposed to start on XX/XX/XXXX because of this negative trade line. 

I would like to file a formal compliant against XXXX and ERC.
Consumer complaint received 2020-03-05
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: Clarity Services (TX)

The U.S. Department of Justice ( DOJ ) filed the actions on behalf of the FTC. In both of these cases, XXXX and XXXX violated consumers ' privacy by calling people who specifically had asked these companies not to call them again, said FTC Chairman XXXX XXXX. 

XXXX XXXX XXXX XXXX  bill
Consumer complaint received 2020-01-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IL)

I applied for a loan against my 401 K plan with Wells Fargo XXXX XXXX on XX/XX/2020. It took several phone calls to request the loan forms for documentation needed to be faxed to me. Once the forms were faxed to me on XX/XX/2020, the forms were faxed back immediately on the same day after being filled out by myself and my loan officer. Wells Fargo then notified me today that the documentation is not acceptable even though we sent the loan application stating the costs that they requested. Multiple phone calls made, during work hours, trying to rectify issues were a waste of time due to getting the run around from the Wells Fargo representatives. Was unable to talk with a supervisor due to no supervisor on the floor and notes made in their system with no resolution or answer for problem made.
Consumer complaint received 2020-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/XXXX I asked for an escrow inquiry I received an email stating that this email address was no longer active so I resubmitted my request via the secured email address given. 8 days later I called. They stated that it was still in process but I should know something by the XXXX if XX/XX/XXXX. I waited 8 more days and called again. Again they stated it was still being processed. I asked to speak to a manager and was b put on hold for more than 30 minutes. I would like some communication to know what the hold up is. I paid out {$800.00} in taxes and there is over {$8000.00} dollars in my account. At the very least i think my payment should be adjusted. I deserve answers.
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (OH)

I went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.
Consumer complaint received 2020-03-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

I was approved for {$1400.00} XX/XX/XXXX {$300.00} to my account XX/XX/XXXX {$300.00} to my account XX/XX/XXXX {$140.00} to my account XX/XX/XXXX {$100.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX {$80.00} to my account XX/XX/XXXX -Payment withdraw from my account {$260.00} XX/XX/XXXX {$270.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX Payment withdraw from my account {$360.00} XX/XX/XXXX {$60.00} to my account. 
The loan interest rate is 360 % and the next payment they will withdraw is {$410.00}. These payments will take almost half of my paycheck.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

In XXXX i was getting weird orders of things i did not order i returned them back to XXXX XXXX then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, trans world systems inc.they say i owe them XXXX, and XXXX XXXX says XXXX in other words different from amount, i have complained too XXXX XXXX that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now trans world after 6 months today have taking over 4000 dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop trans world and XXXX XXXX stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told XXXX XXXX that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges
Consumer complaint received 2020-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX, XXXX XXXX , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (GA)

I applied for a credit card and was not approved. There are still items on my credit that are not mine, XXXX XXXX XXXX XXXX XXXX. Please remove these from my credit.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief  and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

HRRG has been calling for the past couple weeks, 20-25 times a day. calling my work phone, calling my cell phone, calling a relatives phone. Sending voice text to my relatives phone. Sending voice text to my work phone. But have only sent one invoice to my house. XXXX XXXX XXXX has sent me invoices for the same debt, not sure who should be collecting. I have attached some of what we have received and labeled who received. Please help resolve the nightmare.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (FL)

Under penalties of perjury LIES and Fabrication of statements JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
XXXX : XXXX, XXXX. 
We suffer from XXXX XXXX  now, XXXX XXXX XXXX, our grand kids are distinct now, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008 and never assigned to no one. 
Please HELP Help.We are retired and can't cope with this anymore PLEASE HELP ME ... 
They call my kids my grandkids my neighbors they come knocking on everyone 's home they harass us every day PLEASE HELP US STOP THEM we are old and retired and can not deal with this ...
Consumer complaint received 2020-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

First, I am again for the 11th time ( 1st complaint # XXXX XX/XX/XXXX, 2nd complaint # XXXX XX/XX/XXXX, 3rd complaint # XXXX XX/XX/XXXX, 4th complaint # XXXX XX/XX/XXXX, 5th complaint # XXXX XX/XX/XXXX, 6th complaint # XXXX XX/XX/XXXX, 7th complaint # XXXX XX/XX/XXXX, 8th complaint # XXXX XX/XX/XXXX, 9th complaint # XXXX XX/XX/XXXX, 10th complaint # XXXX XX/XX/XXXX ), writing CFPB because of the BULLYING tactics of Select Portfolio Servicing , inc . In the last writing to CFPB I wrote about the ERRONEOUS AND INTENTIONAL MULTIPLE POSTINGS OF NONPAYMENTS to my account. I have not missed a payment since the beginning of a forced into and account transfer of my account to Select Portfolio Servicing , inc . THE RESULT, THROUGH CFPB, OF THE LAST SET OF HARASSMENT WERE SELECT PORTFOLIO SERVICING, INC. CORRECTIONS MADE TO MY ACCOUNT. Again, I have not missed one payment since Select Portfolio Servicing, inc. corrected my account ( NOT COMPLETELY CORRECTED ), and I have continued and consistent proof. With that noted, Select Portfolio Servicing, from the date of said corrections, has added erroneous multiple months of no payments to my account, as I pay each month. Select Portfolio Servicing is again for the 11th time using the same bullying and harassing tactics, with a letter of default and placing blatant notes on the door of my property. They have ignored the corrections and are again threatening me with these same bullying tactics to FORCE me to refinance with them or sell my home! 
Second, my interest rate has not decreased since I began this loan .... I am called constantly and asked the question, " Why my interest rate is so high when the current interest rate is lower and/or why has this company not offered me the current or a reduced rate. ''
Consumer complaint received 2020-09-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I had a 2nd mortgage with XXXX  XXXX XXXX until XX/XX/2019, they sold it to specialized loan serving in XX/XX/2019, my payments are due on the XXXX, XXXX  XXXX XXXX ceased accepting payments on XX/XX/XXXX, for the entire month of XX/XX/2019 i made numerous attempts to get my new info from SLS to no avail ... in XXXX of 2019 i received a letter dated XX/XX/XXXX with my info i set up my bill pay and attempted to make payments ... they returned them until i was forced to pay with an ATM card at the end of XXXX, they billed me a {$15.00} property inspection fee XX/XX/2019 i am disputing that as i made all attempts to pay and they were unable to provide and also returned payments. 
is this their mode of operation to take over accounts, hold off billing info then charge consumers fees??? 
i have been disputing this with them for months this company needs to be investigated as i am sure they are doing this to hundreds of customers
Consumer complaint received 2020-01-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harpeth Financial Services, LLC (TN)

I just looked last night. I have USPS informed delivery but that's not horribly relevant because the letter dated XX/XX/XXXX. Informed Delivery email states I received this letter onXX/XX/XXXX. For all I know, this law firm held the letter in an attempt to give me less time to respond. 

THIS LAW FIRM AND THIS 24/7 IS SHADY SHADY SHADY. 

If I didn't receive this letter until XX/XX/XXXX, assuming due to the heavy USPS mail activity during XXXX time, TECHNICALLY I had until XX/XX/XXXX to respond. I responded well within this time frame. 

That being said, this law firm filed a court case on XX/XX/XXXX. This is not even 30 days from the date of the letter, much less when I actually received it on XX/XX/XXXX. The letter ( as well as the law without letter ) requires a 30-day response from me. This letter even STATES this. 

Unfortunately, you will have to cancel this illegal court case because you are SHADY AS XXXX  and didn't follow the law. You filed on XX/XX/XXXX, NOT GIVING ME THE REQUIRED BY LAW 30 DAYS TO RESPOND OR LONGER. 

Even if this SHADY law firm is XXXX XXXX XXXX XXXX, all I have to do is send an attorney to the court hearing and say this was WELL UNDER 30 days and they will have no choice but to throw this case out. 

I love how this attorney THINKS they are above the law but they clearly are not. Where did they get their law degree. XXXX XXXX XXXX? 

As mentioned in another CFPB complaint, I will be happy to pay {$100.00} or even more to this client WITHOUT FURTHER INTEREST OR ANY ATTORNEY 'S FEES associated with this. If you want to fight it out in court, YOU WILL GET NOTHING. If you want to follow the law, that's fine, I can start paying on this at {$100.00} or more per month starting XX/XX/XXXX. 

I believe the balance I would like to pay on with XXXX INTEREST OR ATTORNEY 'S fees should be around {$1000.00} or {$1000.00} from the time I stopped paying on this account. 

STOP BEING SHADY, YOU AND YOUR TWO-BIT ATTORNEY and you'll start getting monthly payments regarding my account. 

If I have to show up or get served in court due to this court case, I will counter-sue this firm for monetary damages and time wasted. 

CFPB : PLEASE SHUT THESE PAYDAY LOAN COMPANIES DOWN. THEY ARE CHARGING HORRIBLE FEES AND INTEREST AND I WANT THIS COMPLAINT IN YOUR DATABASE PERMANENTLY, HOPING YOU GET MORE LIKE MINE and SHUT THEM DOWN EVENTUALLY FOR USUERY.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Hello : My name is XXXX ( XXXX ) XXXX and I wanted to submit a complaint about Conns, Inc. I have spoken with multiple representatives at the company and no one can give me a straight answer as to why I have XXXX late 30 days marks on my credit report. Additionally, when I called Conns on XX/XX/XXXX to submit a complaint to a manager ( XXXX ) assured me that I only had XXXX 30-day mark on my credit report. XXXX & XX/XX/XXXX, I was informed by a Conn 's representative that I was not supposed to make a payment until XX/XX/XXXX because I was on a payment plan. 

The credit bureaus informed me that I have XXXX over 30-day marks on my credit ( Transunion on XX/XX/XXXX & XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX   XX/XX/XXXX ) when I am on a payment plan. These marks violate my rights as a good paying customer and show that Conns , Inc has a miscommunication problem that I am paying out of my wallet. I would like the CFPB involved because Conns may not correct/refuse to correct the issue due to there lack of communication within there organization. 

Thank You, XXXX ( XXXX ) XXXX
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TRANSWORLD/XXXX XXXX I cant say this more emphatically, I have never had a TRANSWORLD/XXXX XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my GAP insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.
Consumer complaint received 2020-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK (NY)

I enrolled with Freedom Debt Relief in XXXX. That was the worst mistake ive ever made. Within months, my credit score dropped significantly. 
When i signed up, i was not made aware of how they really settle debt. 
They state they contact your creditors to negotiate your debt. They failed to do so with one of my creditors which resulted in me being sued by that creditor in XX/XX/XXXX. 
A full yr and a half of working with them & nothing was handed with that creditor. 
To quickly resolve the issue, i was pressured to double my payments so they could settle with that creditor. Then I realized all types of lawyer fees was taken out before paying this creditor. 
Now, im here living paycheck to paycheck because of their mistake & poor handling of my case. 
I feel deceived and taken advantage of.
Consumer complaint received 2020-01-19
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (WA)

AAG authorized an additional XXXX on a line of credit to my mothers reverse mortgage. In XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX ( XXXX ) see attached. These were done with a simple unverified form - the signature on file is not my mothers, this would be simple to check from AAG. My mother was in the hospital during the first authorizations and would not have been able to sign and fax these forms, she had no authorized POA in place as well and managed her finances. She was also very XXXX with XXXX  and her signature would have been needed to be done with a notary. There is an approval stamp on these from AAG, but there was no verification done. This at least should have been suspect since the last amount she took out was XXXX in XXXX. I would have expected some communication with my mother on this matter prior to these withdrawls. 

I am the executor my moms will and discovered this during my review of the loan when my mom passed in XX/XX/XXXX. I have sent an email to AAG, but have no received any response. This is predatory loan behavior of XXXX  citizens and AAG should at least follow the fraud rules of the XXXX number as a typical bank. This greatly impacted her care and her estate. 
My role is her daughter and also the executor of her will. This is very upsetting to the entire family.
Consumer complaint received 2020-01-19
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: EQUIFAX, INC. (FL)

This situation that I'm dealing with Identity theft is very stressful i work very hard to live a normal life. how can someone try to destroy my life with this fraudulent account that i did not authorize. please remove this account from my credit files thank you.