davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (OH)

I WAS CONNED- I WAS TOLD THAT THE BALANCE WOULD DECREASE EACH MONTH. I WAS TOLD THAT THE ROLLOVER WOULD LESSEN AND AFTER SO MANY PAYMENTS, I 'D BE PAID OFF- LIKE AN INSTALLMENT LOAN. TITLE LOANS DO N'T DECREASE WITH PAYMENTS- IT IS BASICALLY REFINANCED EACH TIME YOU DO N'T REPAY THE ENTIRE AMOUNT. THE REPRESENTATIVE MISREPRESENTED THIS FACT. WHENEVER I ASKED QUESTIONS ABOUT THE PROCESS, I WAS TOLD TO BORROW MORE MONEY. NOW I ASKED FOR AN EXTENSION FOR A PAYMENT AND I WAS TOLD THAT IN ORDER TO DO THAT I WOULD HAVE TO SURRENDER MY CAR IN ORDER TO PROCESS THAT REQUEST. EACH TIME I CALLED, THE MANAGER WOULD CALL SOMEONE OFFSITE NAMED XXXX AND ASK FOR EXTENSIONS, BUT HE 'D DENY THEM AND THEY WANTED ME TO COME TO THEIR SITE WITH THE VEHICLE.
Consumer complaint received 2016-06-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have a " Paid Collections '' account on my credit report that has an original creditor delinquency date of 2007. I contacted Midland Funding LLC. and asked them to provided me with the original delinquency date so they can remove the " Paid Collections '' from my credit report because it 's been over seven-years since the original creditor reported delinquency. Federal law requires that collection agencies " Midland Funding '' report the original delinquency date from the original account. Because the original delinquency date does not change, the seven-year time frame does not start over when an account is sold or transferred to another lender or collection agency. I have contacted XXXX XXXX Division Manager of Midland Funding LLC through phone calls and certified mail. They only provided me with the date the account was sold to them. I still have no confirmation from Midland Funding LLC about the original delinquency date and they have not removed my " Paid Collections '' which is severely effecting my credit report.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CO)

I have a American Express card where they are supposed to have a reward for Fuel purchases of 4 %. Upon checking my statements and on the AMEX site I noticed I was not getting the rewards for a certain gas station. I informed AMEX and they replied that the business is not considered a gas station, even though it is and thats all they sell. The gas station is part of XXXX XXXX grocery markets, however the gas station is a stand alone building on a corner not connected to anything else. Sometimes these stations are branded as XXXX '' and sometimes they are branded as XXXX XXXX. I 'm located in XXXX, CO and all over Colorado and the XXXX, there are a lot of these gas stations that are somehow part of XXXX XXXX ( XXXX family ). The rewards come in as cash, so you can understand why I use the card exclusively for fuel, only to find out that the gas station I fill up at is not considered a Gas Station by AMEX. Around here in XXXX and XXXX area, there are tons of these XXXX stations and I ca n't be the only one who is losing cash rewards from these stations not being considered " gas stations ''. The AMEX card I have is issued to a lot of people as it is the AMEX that has been offered as the XXXX Amex card, so there are tons of people with this card out there that are not getting a huge amount of rewards money for their fuel purchase. I 've spent over {$3500.00} in the past two years at this particular gas station and am only now seeing that they have not rewarded me any rewards for shopping there. I contacted AMEX and spoke to them over XXXX, where they said they researched and found the categorization to be correct as far as they are concerned. The funny thing is that if you go onto the AMEX account online and look at your purchase it says under the charge..AUTOMATED FUEL, Category : Transportation - Fuel XXXX. 
This is what it says when you buy groceries ... GROCERY STORES, Category : Merchandise & Supplies - Groceries I 'm not sure what else to do, they have scammed me out of hundereds of dollars over past couple years because of them saying these stations are not gas stations. I have the XXXX feed of my interaction with AMEX.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

SHERIFF SALE TODAY AT XXXX -Hi. I have been trying to work on a loan modification from Wells, Fargo. 
XXXX XXXX turned me down yesterday afternoon. He said he is investigating my complaints to you. He has not finished with the investigation and is still holding the sheriff sale on my home today. This is not right. XXXX people at Wells, Fargo gave me totally different answers as to why I was turned down ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
In addition, I have received letters from XXXX XXXX acknowledging my inquiry. Every time I call her, I am told that she does not take calls - " she just writes letters ''. How can a XXXX representing Wells, Fargo Home Mortgage not take calls when she writes you a letter? 
Wells, Fargo put XXXX people on my account and each one does not know what the other XXXX said to me. This is not in compliance with the bank regulators. 
Please investigate. Thank you for your help in this matter.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage Acct # XXXX was paid off XXXX XXXX and currently says on my report ( XXXX & XXXX ) 120+ Days past due in the " Status '' line. This account has been paid in full even when it was in pre-foreclosure and I have disputed 4 times with Wells Fargo and contacted the office of the President at Wells Fargo.Both credit burrows have agreed with me that Wells Fargo is n't reporting the right information to them. The contact at Wells Fargo is XXXX XXXX XXXX ext XXXX.Also XXXX XXXX sent me a letter that the first date of delinquency was XXXX XXXX compared to what is reporting on my credit report XXXX XXXX. This letter should have this account purged due to the 7 year law also on top of the issue of the above complaint that is driving my credit score down.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

The principal balance on my mortgage was more than what it should have been by XXXX dollars. I had to take XXXX customer service agents through all of the payments - and still they would not agree to change the principal balance. Now the process has been forwarded to the executive office, where i am hoping that this issue will be addressed. 
If this happened to me - then it could be happening to millions of folks. Mortgage accounting is deliberately made complicated so that people wont be able to understand. This needs to be fixed.
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo opened numerous accounts that were unauthorized starting approx. XXXX, including XXXX credit card. One time a significant amount of money was transferred into my new account. I brushed it off as employee incompetence, and because I had a large number of automatic withdrawals coming out of that account each month, chose not to change banks. 

After hearing that Wells Fargo did this millions of times, I called to have my account closed immediately. I had a previous issue with overdraft fees being charged that should not have been charged, and an unauthorized transaction in the amount of nearly {$4000.00}, so I was overdraft at the time. On Sunday, XXXX XXXX, XXXX, I called to finally close my account. I told them I had been the victim of the fraudulent schemes and was sick of being charged overdraft fees for unauthorized transactions. They refunded enough fees to get my account to a balance of XXXX and told me it was closed. 

I wanted my account closed immediately due to fraud, and notified the multiple companies whose payments were debited automatically from that account, however most told me that the pending payments could not be stopped. Wells Fargo in fact apparently did NOT close my account, and charged me, as of today, nearly {$1200.00} in overdraft fees for these transactions I was not able to stop. ( The whole reason I went to the trouble of closing my account was because they committed fraud and forgery to begin with, which was their doing to begin with. ) After calling their customer service number, I was told they would waive approximately 15 % of the fees. I told them I was n't paying any of the fees because I had to immediately close my account due to their fraudulent activities and could not stop the automatic payments. Furthermore, I do not understand how a " closed '' account could incur those fees. They accused me of not having closed the account, even though all my other accounts were closed that day, and I have phone records to prove I was on the phone that day XXXX XXXX XXXX ) with them. Furthermore, they credited exactly enough fees to bring my balance to {$0.00}. They accused me of lying. My wife heard the conversation as well. 

Finally, I began receiving autodialed calls trying to collect the overdraft balance that I do not owe. I told Wells Fargo they were harassing me and I did not ever wanted to be contacted by their bank again, for any reason. They responded that they took my phone number off the account but that I may receive future calls because my account is overdraft. I responded that I would sue them for harassment if they did not leave me alone. 

I want my account CLOSED, the fees that I DO NOT owe taken off, and I want Wells Fargo to stop harassing me immediately. Further, I want compensation for all the time I have wasted the past 3 years dealing with their fraudulent accounts and fees.
Consumer complaint received 2015-12-22
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: LendUp Loans LLC (NJ)

Could n't verify my address supposedly after fasley advertising credit for all. The companies that provided the information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. The company that offered the loan was Flourish Inc. DBA Lendup XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MD)

I am a XXXX senior who recently filed for a Home Energy Loan through our State 's Housing Department and the credit scores shown on XXXX are better than the ones the Housing Department received. I just have the question as to why do I have to PAY for a CREDIT SCORE ( in particular Experian, who does not report XXXX ) that is so important " in the system '' and can be used FOR or AGAINST me? I intend to question the scores shown this morning on XXXX against the lower scores the Housing Department received less than 24 hrs ago. Housing received XXXX XXXX, XXXX XXXX AND EXPERIAN XXXX. I must have a score & gt ; XXXX and I know something is incorrect. Companies should not have the right to pick and choose what reporting agency they report to! If they are reporting something that will affect a consumer 's wellbeing ( home, employment etc. ), they should report it to all agencies that may receive an inquiry.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I was recently mailed a letter of rejection from a VA approved mortgage lender and was told that I could then request a copy of my credit report as a result of my being rejected for a loan. 
I am unable to retrieve a free copy of my credit report.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

i have disputed and asked experian, XXXX, and XXXX to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to show me proof, such as, my signature on this, they did n't and could n't show me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report.i need validation of my signature and the credit bureaus are refusing to provide validation. i need this fix asap. pls help me.
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC (MO)

American Coradius International LLC ( ACI ) XXXX, TX XXXX and XXXX, NY XXXX XXXX This company sent me a letter via the USPS stating that they are a collection agency collecting a debt on behalf of XXXX. 
Reference # XXXX I was able to confirm that with XXXX that my account is in good standing and I do not owe them anything. Upon attempting to discuss this debt with ACI, they were able to confirm they are collecting this debt. I requested the paperwork they received from XXXX that verifies the debt owed and they refused to provide that and said I would need to get that from XXXX. Naturally, XXXX, can not provide the paperwork because it does not exist on my account because the account is in good standing and they have not filed any collection action against me. 
I asked ACI where they got the account number on the statement and they could not confirm this source. Additionally I asked how they came up with the address that they mailed the notice to and they said that came from XXXX, which I believe to be a lie. I think this company is either attempting a scam, or actually has a collection account for someone with a similar name and is sending letters to everyone that has that name.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (TX)

According to the Fair Credit Reporting Act, Nationwide mortgage has been willfully and/or negligent in including inaccurate information with regards to reporting my mortgage loan to the XXXX credit bureaus. I have called Nationwide mortgage before and recently ( XXXX/XXXX/2016 ) sent nationwide all necessary information to prove this inaccurate information. I requested them to correct the mortgage information and have not seen a change in my credit information at any time. I have also disputed this mortgage information to XXXX credit bureau regarding this matter and submitted a complaint to the XXXX. This matter has severely damaged my credit score.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Since my debt is high as started a modification. This started in XXXX XXXX and still on going. I sent them enough information to make a decision on my behalf but still going on. They have sent me a least XXXX pieces of paper telling me they have a debt to collect, this is too stressful for me at my age. This debt was started in XXXX, in the amount of {$330.00} at a interest of 6.875 %. Now debt is {$260.00} at a interest rate of 4.875 %. This is serviced by the ASC Corp, XXXX XXXX, IA, parent bank XXXX The ASC Co. who services this account and without my knowledge open an escrow account without my permission and paid my Real Estate taxes and my fire insurance. I have always paid these bills on my own so could keep a check on them. Now they added the money they paid out for my taxes and insurance, added to my XXXX XXXX bill, so my payment I have to meet each month is over {$2000.00}. Where my taxes and insurance were n't monthly and since I retired, I am on a fixed income, monthly. XXXX could borrow from the central bank a 0 % interest. Also want of add that a member of ASC service co called about a payment stated that, if I missed XXXX payments, they could start to forclose on my home.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

Despite several attempts to clarify or correct several medical collection accounts, Experian continues to verify without producing anything but a form letter in response with the statement that " Experian will not investigate this information again. The accounts in question are both unknown and unverifiable because of the incorrect address and provider names. I did not receive service during the time frame and from the providers listed and can only assume that their " furnisher '' or vendor is providing unsubstantiated and erroneous data thus harming my credit score.
Consumer complaint received 2023-09-29
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

My CA Middle Class tax refund was sent via a debit card, which I never agreed to. 

I received a USPS scan indicating the card was in my mail shortly before XX/XX/XXXX. I also received a 1099 form. However, the card didnt come, so I began contacting the Middle Class Tax Refund XXXX-Money Networks phone number XXXX. 

I was told by an automated message to keep calling back if the card was not received by the middle of XXXX. Toward the end of XXXX message was updated to say to call back if the card wasnt received by the end of XXXX. 

I continued to call the company and was not allowed to speak to a human operator even though the message kept saying to call them if my refund had not arrived by the end of XXXX, well into XXXX. 

Around XX/XX/XXXX, I finally reached someone who advised my funds had been depleted at multiple convenience store ATMs over a series of multiple days in a city miles from where I live. 

I advised that my card had been stolen, and I did not authorize anyone to use it because I had not received the card. I was told an investigation would take 90 days. 

I called on XX/XX/XXXX and was advised that because a PIN was used they denied my claim. But I never set up a pin because I never got the card. I asked to appeal and was told they would send a form. I never received the appeal form. 

All Money Network sent was a duplicate card which had less than {$2.00}. The instructions about how to create the PIN were included in the envelope, and my zip code was the info needed to get the PIN, even though my zip code was in the envelope with the card. Usually these things are sent separately due to the risk of fraud. 

I have not been given a refund or a further way to appeal this incompetent handling of a card I never consented to receive.