davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TN)

WELLS FARGO closed my consumer credit card account and refused to release the funds to offset the debt. This is a direct violation of 12 CFR 1026t.11 and my consumer rights. This account is subject to 18 USC 8 and the debt is not my debt. 

This is a notice of a billing error.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX. have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XX/XX/XXXX to all my creditors. When the cease and desist was sent in XX/XX/XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my 401K, as I had no other means of meeting my responsibility. Since then I have settled wit.h XX/XX/XXXX, XXXX 's,  XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.PortfolioRecovery Associates did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. Portfolio Recovery Associates simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!
Consumer complaint received 2018-01-17
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 — Problem with personal statement of dispute
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XX/XX/XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX. They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to PennyMac during the transition period. XXXX XXXX XXXX  already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked PennyMac to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. PennyMac agreed and supposed to fix their claim against late payment from our side. Apparently PennyMac did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Kohl 's charge card where an unauthorized transaction occurred for XXXX on XXXX/XXXX/2018. The individual purchased a XXXX thermostat and had it delivered to their address in another state ( Texas ). I  received an email confirmation showing what the purchase was and that it was shipped for delivery. When I saw where it was going I immediately called Kohl 's customer service. They advised me that it would be put in dispute and that the card used would be closed and a new one would be issued. A few days later I received more emails from Kohl 's advising account changes had occurred. I called Kohl 's and asked what was going on. They advised me since I am not the primary I could n't open a fraud case it would need to be my spouse who is the primary card holder. So the transaction was never placed in dispute and the fraud analyst asked what I had done to have the individual charged. When I first called I alerted Kohl 's that I have the persons name and address and that I want them charged. They are trying to put it on me when it was their lack of security that caused my account to be compromised. I do n't think I should have to do anything and that the transaction should be canceled out.
Consumer complaint received 2018-01-19
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. (NC)

I was unaware of the said debt and was not notified about the debt. The debt appeared on my Equifax credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither Equifax nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. Equifax responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from Equifax or the collection agency. This account is reporting negativley on my Equifax report and causing me credit issues.
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (FL)

UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

I received a credit report notification for a new account and it was a debt collector. Not only have I never received a bill from the original creditor for any amount owed. I never received a notification of this debt from the debt collector therefore I could not dispute this debt. I am very certain I do not owe this debt as I have never received any bill, nor notification. Furthermore I believe this violates the Fair Debt Collection Practices Act section 15 U.S. Code 1692g.
Consumer complaint received 2016-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

Collector IC Systems is committing FRAUD. Debt collector attempting to collect old debt that was never owed - services were paid for at the time rendered. Collector FRAUDENTLY alleges that medical services provider recently engaged them to collect debt that was paid at the time services were provided over 4 years ago - collector was rude, attempted to employ confusing tactics to dissuade me from questioning them on the debt, and ultimately failed to provide any real information - collector attempted to hide behind medical privacy reasons for failure to disclose nature of the debt IC SYSTEMS IS COMMITTING FRAUD
Consumer complaint received 2020-09-11
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. (TX)

I requested my credit report around 3 months ago. and after carefully reviewing my credit report I notice some inaccuracies such as late payments collections account and charge-off. since then I have been back and forth with the bureau 's and the Creditors that are reporting these accounts. this particular account I do not recognize so I sent the bureau 's more than 2 letters requesting the documentations they used as a proof to place this account on my credit report which they have no provide yet. 

all I need is this account permanently removed from my credit report. I am trying to keep up with my credit and errors like this account are keeping from having a good credit.
Consumer complaint received 2018-01-18
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. (MO)

After pulling a copy of my credit report. I noticed that Equifax is reporting XXXX XXXX -account number XXXX and XXXX XXXX my credit report reporting non compliant information in which i have disputed this account several times in which Equifax has continued to ignore my request. I send several letters certified with return receipt as well as a notarized letter and they still ignored my letter sending a generated letter stating they have verified information with nothing else attached and at the same time ignoring my letter all together. I have found several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or else wise improperly reported and transferred by other lender/servicers on the report. I understand my rights and that is why I send Equifax a written notice of my consumer demand checking for federally required proof of compliance even to the metro 2 data field formatted regulatory reporting obligations as a specific mandate due to the CRSA enactment and implementation of the standardized CDIA sponsored Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (TN)

I JUST RECEIVED A LETTER STATING THAT THEY WILL NOT REMOVE INCORRECT INFORMATION THAT THEY HAVE REPORTED ON MY CREDIT. I HAVE FILED A COMPLAINT WITH THE CFPB BUT NOTHING HAS BEEN DONE. I 'VE ASKED THIS COMPANY SEVERAL TIMES TO SEND ME PROOF THAT I SIGNED FOR THIS LOAN/ACCOUNT ALSO ALSO ASK TO SEE THE VALIDATION OF DEBT LETTER. IN WHICH THIS COMPANY REFUSES TO SEND ME. I KNOW THAT.S AGAINST THE LAW FOR THEM NOT TO SEND ME THE INFORMATION I REQUESTED. I 'VE ASKED THEM TO SEND ME THE SIGNED CONTRACT FOR THIS ACCOUNT, BUT THIS COMPANY REFUSES TO SEND ME THIS INFORMATION. THIS IS AGAINST THE LAW. I 'VE SENT PROOF SHOWING MY NAME AND ADDRESS AND THE ACCOUNT THEY ARE LISTING IS INCORRECT. I NEED FOR THE CFPB TO HELP WITH THIS ISSUE INSTEAD OF CLOSING THIS ACCT WITHOUT SENDING THE ITEMS I REQUESTED.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Received two calls from portfolio recovery. One yesterday Sunday and the other today XX/XX/2020, @ XXXX XXXX. I have told this company they have the wrong person, but they continue to call and ask for my social security number.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (SC)

I have been struggling to make my mortgage payments of {$2400.00} per month. I have consistently been late, however, I have consistently made them. I am currently only 45 days late XXXX XXXX & XXXX XXXX and I am prepared to make the XXXX payment, which will make me only 15 days late. I am currently paying 7.5 % interest. Suntrust is my loan servicer and XXXX Bank is apparently my loan investor. I have filed all of the mortgage modification paperwork necessary. I would consider any option which would allow me to keep my home ; however, modification of my interest rate was really what I would prefer. I got a call yesterday, from Suntrust, informing me that they would not modify my loan. The only option they gave me was a short sale they did not offer me any other options. 
Unfortunately, because I have liens ( which I am servicing ) on my property, I can not sell the home. Also, because my mortgage payment just want from interest to interest and principal, I am unable to rent my home. Finally, I can not refinance because my credit is so bad. I want to keep my home ; however, I can not continue to make payments at 7.5 % leaving me only XXXX option, which is to fall into foreclosure. If Suntrust and the investor would lower my interest to a reasonable rate I would be able to make my payments in a timely fashion and avoid the monthly penalties and fees that I am being charged ( currently approximately {$7000.00}. ) Additionally, and as a second complaint, Suntrust has repeatedly harassed me by phone. I notified them in writing to not contact me any further. After written notification not to contact me by phone, they continued to call me repeatedly. In fact, they sent someone to my home XXXX evening who left a note on my door telling me to contact Suntrust about my mortgage payment. ( see attached letter XXXX If Suntrust files for foreclosure, I have every intention to countersue them XXXX and XXXX Bank, the investor ) for violation of state and federal law related to their repeated harassment. 
I need help ... .I can make the payments however as long as the interest rate is 7.5 % I will continue to fall behind, continue to incur ridiculous penalties and fees, and will fall into foreclosure. 
I am simply asking Suntrust and the investor to lower my interest rate. I have filed all the mortgage modification paperwork and the only option they gave me as to short sell the home. No other options were given.
Consumer complaint received 2016-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (IL)

I filed my application to change from the XXXX plan to the XXXX program in XXXX 2016. 
I made my payments under the XXXX plan for the following months : XXXX XXXX XXXX For XXXX 's payment, according to the regulations and my application, I received a forbearance until XXXX XXXX, 2016 ( one day prior to XXXX payment being due ). I paid the {$5.00} reduced, forbearance payment. 
I called last week to inquire what the status of the application was and how much my payment would be after the forbearance ended. The person with whom I spoke told me I was still under the standard repayment plan and I would not be in the new plan for another month, which is contrary to my application and the regulations. 
I am still in the dark about whether a payment is due for XXXX and what the amount will be. If no payment is due, I am now off another month from making a payment towards my XXXX XXXX XXXX XXXX. 
Please contact me as soon as possible to discuss this matter.
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (FL)

The collection agency XXXX XXXX is still showing on my credit report from XXXX. This collection agency has reported to to all credit bureau 's that it was paid in full and due to it being a Fraudalent account, they have sent The request it to be deleted permanently from my credit file. Also in the documents attached and previous dispute. XXXX XXXX responded that this collection should be deleted. XXXX has npt followed orders and has this collection listed as paid, with a balance of $ XXXX closed account. But still listed on my credit report under paid collection. I have sent documents from XXXX XXXX that was mailed to me, a previous dispute with a response from the collection agency stating to remove this collection entirely from my credit report and proof of a photo shot document that it is still listed.
Consumer complaint received 2016-11-16
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

In XXXX XXXX, I cancelled my registration for an event/conference. When I registered for the event in XXXX, I paid using my business debit card. At the end of XXXX, I closed my business and my business bank accounts at SunTrust Bank, and filed my final business tax return. The event vendor refused to refund my registration fee in any way other than crediting the card I 'd used when I registered. SunTrust accepted the refund, even though the account was closed. SunTrust has issued a check payable to my former company and refuses to cash it for me and the other former owner of the former business. The only option they have given us is to open a new business account in the same name ; again, that business no longer exists and the final tax return has been filed.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a checking account with Bank of America from which a scheduled monthly payment of {$900.00} is paid monthly to XXXX XXXX, formerly XXXX XXXX XXXX located in XXXX Texas. This payment is due on the XXXX of each month. In XX/XX/XXXX, Bank of America failed to make the scheduled payment, which led to XXXX XXXX 's attempt to collect the mortgage amounts of {$900.00} plus an additional 28.75 %, from my checking account, without contacting me. This happened on XX/XX/XXXX, when I saw that XXXX XXXX was trying to take {$1200.00} from my checking account, an additional {$360.00}. I intervened and called Bank of America to find out what the problem was ; at that time having not ascertained any reason for their action, I cancelled the automatic payment schedule and decided to do it manually on a monthly basis. XXXX XXXX has never made contact to let me know what the problem was. 

On XX/XX/XXXX, XXXX XXXX reported my name to the XXXX Credit Bureau that I failed to keep my mortgage payment agreement. XXXX immediately contacted my bank services at XXXX XXXX XXXX in XXXX Wisconsin where I lived and worked previous and still maintain an account. At first I contacted XXXX and asked that they investigate the claim. However, I have since learned that Bank of America was the company at fault for failing to pay my mortgage on XX/XX/XXXX ( see lay out provided ).
Consumer complaint received 2018-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

While applying for a Home Equity Line of Credit with XXXX XXXX XXXX, I noticed they performed 5 Hard Inquiries on my credit on the same date! XX/XX/2017. Totally unnecessary. These many inquiries affected my credit score. It takes 2 years for them to go away.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (IN)

Issue with XXXX XXXX Mastercard The store card offered me 0 % interest rate for 18 months and i opted for the following 2 payments XX/XX/XXXX - {$3900.00} - 0 % till XX/XX/XXXX On XX/XX/XXXX the above payment was reversed and changed to " Charge Adjustment '' with 25.24 % APR. 
Since then i have been calling during every statement date and discussed about the issue and no one seem to be getting it right and so far close to {$380.00} was charged as interest which should not be. 

I sent the required documents, explained over phone and in secure message center. 

No action is taken so far.
Consumer complaint received 2018-08-30
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX Acct   XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX Acct   XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( Equifax ),  XXXX XXXX Acct XXXX ( Equifax, XXXX ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct  XXXX ( XXXX ).