davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AK)

Spoke with a broker on XX/XX/2020 license number XXXX, in regards to refinancing my loan. Member insisted several times that VA mandates escrow accounts on all loans. Several times he promised he his trained and has been doing this for seven years. When I confronted the individual about the requirement stating other companies do not he got awkward and ended the phone call as soon as possible. Abuse of escrow accounts, including my personal one currently, is a systemic effort with Wells Fargo. They blatantly lied to me during the refinance process to secure an escrow account. To resolve this issue I am requesting a company wide investigation. This is my second complaint against them and their efforts to misinform and take advantage of uneducated customers/veterans, this is the third time I have been told from different people within wells fargo that the VA is mandating an escrow on my account.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (TN)

On XX/XX/XXXX I went to an ATM to access my funds that were deposited on XX/XX/XXXX. I was unable to access these funds because my card was expired on XX/XX/XXXX. I had not received a replacement card prior to XX/XX/XXXX. Upon calling the Go Program Customer Service number at XXXX, the first person I encountered tried to charge me {$5.00} for an additional card to be sent within 7-10 business days, OR {$10.00} for a card to be sent to me within 5-7 business days. This fee was finally waived when I asked the first agent to speak to his supervisor. He placed me on hold, came back and announced he could waive the fee. Upon asking me if I had anything else he could do for me, I said yes. I needed my Online Account unlocked. The agent said he would issue a ticket to fix this problem and it would take up to XXXX business days to resolve. I told him this was completely unacceptable since I rely on these funds to pay my bills and feed my XXXX children, and that these funds were supposed to be available to me on XXXX, and MyGoProgram was denying me access to my own money. I asked to speak to the Information Technology department personally to resolve the issue immediately. I was informed that my request was an impossibility since there was no way to access the IT department by phone. I was then transferred to a 3rd Agent, who, after explaining what I had been through with the other 2 agents, offered to expedite the sending of my new card and has guaranteed the delivery of my card by XX/XX/XXXX by XXXX. She also stated that when I activate my new card, then the ability to transfer funds electronically would be unlocked online. 

The problem with this company firstly, the expiration status of my card should not be electronically connected to the access of my funds online. Second, the IT department should be accessible immediately for families like mine who depend on their funds to be available to them when promised. Thirdly, the amount of time, the extent to which I had to complain including a total of 3 different agents is unacceptable customer service. This company operates under sub-standard policies, have only their own best interest in mind, and have poor access to urgent functions such as IXXXX services.
Consumer complaint received 2017-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

on XX/XX/XXXX  XXXX  hit our home and did alot of damage as well as  5 we eks no power and out of work because of same for months because my work was out of home,  Ocwen loan service was l ess than helpful and because of the   XXXX   went into hospital XX/XX/XXXX  and by this time I  was three m onths behind in mortgage wit h Ocwen and tried a loan modification twice and was told lost paper work as well as on and off calls back and forth with no help from lender service Company, Ocwen, at t his time it was XX/XX/XXXX  and I recieved a letter from  Ocwen that they are going to foreclose. This was when we were   working on the second Mortgage Modification with them, I than called  XXXX   XXXX   Office   Esq  in  XXXX , NJ  XXXX  and he told me to file a chapter  XXXX  bankruptcy as well as than after that we would file a second Bankruptcy ( CHAP  XXXX  ) including a now Third modification submitted by way of the courts, The  XXXX  was filed on  XXXX  and approved and the chapter  XXXX  was filed on XX/XX/XXXX  and once again the   XXXX   put me in the hospital, Than by way of the courts i filed but yet again a forth loan Modification with   XXXX    office billi ng me another {$2500.00} for same and Ocwen never answered the complaint, it was court ordered.THRU THE CHAPTER   XXXX .Than  after that i was hit by a   XXXX   XXXX   and it put me in  XXXX  IN   TH  E HOSPITAL  and I had to let the Chapter  XXXX  discharge because had no work, could not work and ended up on  XXXX . Now I am in   Superior court,   XXXX   XXXX   XXXX   N.J. fighting   Ocwen ag ain to try to save my home with but yet another Mortgage Modification and now on permanent  XXXX  as well as a  XXXX  daughter who lives with me, the  XXXX  has been unbearable to say the least. Thank you for any help your  Bureau may off er, The loan i was told has been billing me over what was in writting and over charging me on servic ing etc, Ocwen are a bunch o f crooks sorry to say.
Consumer complaint received 2020-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I sent a debt validation letter certified mail with returned receipt. USPS Tracking # XXXX They received in XX/XX/2020 and signed for it. I never received any sort of correspondence requested or proof of debt. I need them to cease and desist all collections on this invalid debt. Attached is the certified mail receipt and the letter sent to them.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MI)

-XX/XX/XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX XXXX. -XX/XX/XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI -XX/XX/XXXX I received a letter from Nissan Motor Acceptance thanking me for financing and affirming that my " contract obligation has been satisfied. '' XX/XX/XXXX I received a letter from Nissan Motor Acceptance saying I still owed them money. I called the 800 on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that Nissan 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( Trans UnionXXXX ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry. I attempted to contact the three credit reporting agencies to speak with someone about this problem, and the facts that the information was either not retained by the creditors or not mine. I contacted each CRA and was informed that their records were correct they declined to substantiate the claim and informed me I could file a fraud report If I WISHED! 

I submitted IN WRITING a Validation request under the FCRA title 611, this request was ignored by the creditors in question, when I called back and demanded to speak to a supervisor to find out the status of the Validation demand that I had filed, I was informed by a person who stated that HE was a supervisor, but refused to provide me with his operator number or extension, that THEY were not required by the FCRA to provide any VALIDATION information. 

I have followed the letter of the law yet the credit reporting agencies have ignored and refused to address my legitimate problemcan you Help?
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I was trying to pay off the balance in a lump sum settlement or get a lowered interest rate due to losing my job from covid-19 layoffs. After a month of not getting answers via emails, a chat system that was perpetually down, and an inability to get through via phone, I was told by managerial staff that there were no options for me. 

My care credit card gained interest at a 26.99 % interest rate for the month while I was trying to get a reply. I asked if they could at least work with me on refunding that amount accrued and was told there was " nothing they could do. '' I was also told that I could not apply for a reduced interest rate because it was " no longer within the promotional period '' of the purchase. 

This company has issued many letters indicating they will help people affected by covid-19 and yet they were unable to even respond in a timely manner to my basic inquiries. They also have not clearly posted the parameters anywhere that I could find to get my questions answered on my own. 

I am jobless, XXXX, was XXXX in a XXXX XXXX  last fall, and live alone due to an unfortunate XXXX XXXX situation I had to escape from. Any help is much appreciated. I can't be expected to pick up the slack on a company that isn't able to offer basic customer service as is posted.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CURO Intermediate Holdings (TX)

On XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX ( on behalf of Avio Credit ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with Avio Credit in XXXX of XXXX, and subsequently worked out a payment plan with Avio Credit and XXXX XXXX in XXXX of XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( XXXX XXXX claimed to have sent letters but I have received no such letters from XXXX XXXX ). 

A year later, XXXX XXXX charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted Avio Credit on XX/XX/XXXX, and was told that they had placed the account with XXXX XXXX and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at XXXX XXXX, I was told that they believe the transaction is valid and that they would not refund it. 

I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, Avio Credit and XXXX XXXX essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that XXXX XXXX did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (LA)

I checked my credit report I see this negative impact from this company which I was told is a payday loan. I have never received anything from this company. I called them and the credit bureaus and the say it is a verified debt. I never received any money from this company and have no knowledge of signing any paperwork. I was told by a representative that they have a signed contract but they will not provide it to me at all.      XXXX / XXXX / 2012  in the amount of {$610.00}
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

my daughter received a credit card offer from capital one 23.74 % XXXX $ late fee she is a XXXX XXXX and has no income this is predatory..take her off your list where did you get her name and info?
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

National Credit Systems Inc. are attempting to collect a debt that is not owed and are reporting on my credit report. I had a judgement with an apt that resulted in a ( POSSESSION ONLY ) -No Monies Owed. I have Documentation from my Countys General Sessions Court of which it was handled. They are attempting to collect {$3900.00} and have not provided where these fees come from. They then told me that it was forwarded to a law firm and provided me with a number. I called the number provided and the law firm told me that they they would send a print out of the " alleged '' fees. I have not received any information. I have called both companies multiple times. Though National credit systems have stated that they do not have my " case '' any longer they are still reporting currently on my credit report. I have tried disputing  with XXXX  and XXXX  sending proper documentation showing that i do not owe this debt and they stated that the debt was validated and have not shown me how or what the verification details include. Due to this i have faced homelessness with me and my XXXX children because we are unable to get approved for a home due to this false report on my credit report. ( its an automatic denial if your report shows a balance owing someone ) ... I also sent a print out of my rental report to the bureaus and it also shows that i have {$0.00} dollars owed from original company and yet they still denied my request of removal. I also called original company and asked to speak to manager on multiple occasions  and left my contact number each time and have not received a call back or email. There has been no solution to this in almost a year of attempting to get this squared away.
Consumer complaint received 2017-06-15
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: SYNCHRONY FINANCIAL (LA)

I have several inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them.      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  The company said the inquiries were verified which can not correct as I did not apply at any of the companies.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (FL)

I was an XXXX  customer with my mobile phone. I took out an insurance policy with their carrier ( XXXX  ) in the event that my phone was lost/stolen/damaged ... I filed a claim and received a new phone and paid my {$220.00} deductible. Several months later I again reported my phone lost and was sent a new phone. However, I found the phone I reported lost and sent the replacement phone back ... and therefore should never have had to pay the deductible. So at this point, I am at one replacement phone. I later did crack my phones ' screen and requested another replacement phone. XXXX denied my the replacement phone ( which would have been my second phone ) as they said I already got two new phones. However, I only had one replacement phone, because the second replacement phone I sent back. 

Keep in mind I had been paying XXXX  XXXX a month for the insurance with their carrier. 

I called XXXX and they said I was entitled to a new phone. I took upon myself to use three way calling and put an XXXX  rep on the line with an XXXX  representative The XXXX rep explained to the XXXX rep that I was entitled to a new phone after checking their records. 

Before I switched to XXXX I paid the remaining balance with XXXX  and just thought I'd have to eat the cost. I didn't know CFPB existed.. 

Can u please help me to resolve this dispute with XXXX  and Sequium Collections My Sequium reference # is XXXX
Consumer complaint received 2020-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

Pay Pal continues place hard securities on account as of XX/XX/2020, The available balance is XXXX. First purchased made by XXXX in XXXX Pa, transaction successful. Made another transaction, company declined call. Made several attempts to resolve this. Company continues to decline my card even due to security issues. Company continues to be non compliant. I'm requesting please review my account last four digits of social XXXX Card last four digits is XXXX Please review calls from XX/XX/2020 until current regarding my account.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

Back in  XXXX   2017 , I contacted Loan Care and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,  2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  Loan Care c ontinues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?
Consumer complaint received 2022-11-16
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected :XX/XX/XXXX
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have not been able to get my free credit report online from TransUnion for 4 years. TU always claims that they can not verify my identity, yet they do n't even ask any identity verification questions before denying access. This year, I ordered a report over the phone after failing to get one online. I will see if it actually comes or if they deny that as well.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (MI)

I have a medical bill in collections through Allied Business Services in XXXX, MI. I used their website to set up a payment plan for the amount for a 6-month period. When you do this, it asks you to select the date that you want the payments withdrawn from your bank account on a pop-up calendar. I chose the XX/XX/XXXX of the month. After doing that you hit the submit button and a confirmation schedule comes up on your screen for the split amount and the dates that it will be withdrawn from your account ( ex. X/XX/17,  X/XX/17, etc ). Instead of taking the money out of my account on the XX/XX/XXXX, they took it out of my account on the XX/XX/XXXX causing me to be overdrawn. I chose the XX/XX/XXXX of the month purposely because I get paid on the XX/XX/XXXX. When I called, they said that it 's probably my bank pulling the money on the XX/XX/XXXX and not the XX/XX/XXXX, which does n't even make sense. I requested to be transferred to another person and she refused to refund me the {$64.00} overdraft fee because she said there was no error, and I had authorized the system to take the money from my account. Their system is faulty and pulling the money when it should n't be, and I do n't think it 's right that they can do that when I authorized it to be withdrawn on the XX/XX/XXXX.  They owe me the {$64.00} for their error.