davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-24
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (MO)

My Identity was stolen and given to Discover Bank and opened a XXXX market account under my name. In turn there was a transaction made XXXX in WI which made a transaction under my ID and sent XXXX for the amount of {$2300.00}. No response or fraud department will take my call at XXXX. Discover Bank referred me to XXXX on this transaction.
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (KY)

I 've been waiting for a month-and-a-half on a new debit card. 
I call your XXXX number customer service and tell them I had ordered one online myself for self service did not show up in the system anywhere so then I was told to physically go into the bank branch asked her to tell her to order me one and send it to the branch. 
The teller then argues with me that that was the wrong thing to do to wait on the other one gives me a temporary card and sends me on my way I 'm thinking she went ahead and ordered me another card now here I am 10 days later still no card no phone call so I call the service line again to discover a card was sent to the wrong address the day that I went into your branch to take care of this matter your customer service rep took way too long to process a transaction that was in front of me because she was too busy laughing and carrying on with that customer has the line grew behind me longer and longer when I made it to the counter you had about XXXX people deep waiting as she laughed and joked with the customer in front of me and did not care to move any quicker or move on about her business in this process I have discovered my letter was not taken very seriously and was not resolved. 
So here I am XX/XX/XXXX with no debit card sure I have a temporary one that I can function with but I do not have one that I can sign payments to because I 'm going to get a new one and now I have to wait another 10 days
Consumer complaint received 2016-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (CA)

I applied for a student loan through Discover- Student Loans XX/XX/2015. I had to ask my father to co-sign with me. Discover approved me for {$8500.00} to cover classes and books for my 11 month XXXX at University XXXX XXXX XXXX. LOAN # XXXX was approved at 7.115 % - my dad and I accepted this offer - variable rate. Discover 's loan center sent my certification docs to the wrong department which caused a delay in timely communication between my school and Discover. I actually started classes and was told by XXXX that Discover was faxing to the wrong place. I had to call Discover myself and let them know what they were doing. I was told they had a wrong number in their system. A few more weeks go by and I am told by the university they have still not received any funds or certification. I had to call Discover again - only to find out that they were still faxing to the wrong dept. They were sending my certification to the XXXX XXXX XXXX XXXX dept. at XXXX instead of the Law dept!!??? Additionally, I was told that they had to pull my credit again and increase my rate. This is due to them pulling my credit when I first applied and now they are pulling it again - this caused my score to drop. I asked them why they would pull my credit without my permission and raise my rate due to errors they have made? To make matters worse they continued to send my documentation to the wrong departments for the next several weeks. At one point weeks and weeks into this, they re-characterized my loan from an XXXX loan to a XXXX loan!! AGAIN - pulling my credit and increasing my rate!!! ALL TOLD, Discover dropped the ball countless times, making mistake after mistake and kept pulling my credit and writing more expensive offers every time!!! When I called to file a complaint about all of their errors and how they need to honor they first offer, and remove the hits to my credit report - they told me it was against the law for them to fix this!!! WHAT??? In the end, I have received XXXX different offers over the course of 8-10 weeks that increased rates with each forthcoming offer. Please help me correct this - I think what they have done to my credit report and the audacity to keep sending me higher rate loan offers is exactly why your agency was created. To keep consumers from getting railroaded by companies who 's service is terrible and who refuse to take the steps to correct their big mistakes!!
Consumer complaint received 2015-05-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (FL)

the problen is to my companyXXXXThe number on the card is XXXX this is with BB & T bank. A year ago they charged me XXXX for an overdraft and it should n't have happened but they withdrew a maintenance fee from my account which caused the amount to be lower. I do n't think this is fair they do it when they see you do n't have money. Previously before I made a payment out of the account I checked the balance to make sure I had enough. For my surprise I had overdrawn the account XXXX because of the maintenance fee that was withdrawn for {$15.00}. When I talked to the branch manager they returned the {$15.00} which put me in the positive. They still charged the overdraft fee. A year later I got a call from a debt collector that is charging me now {$60.00}. What is the government doing to regulate these institutions? In the past a bank XXXX took my property, along with the judges of the court. Now this bank is charging me this amount or they are going to report it to my credit. What is the government doing to stop these institutions from stealing money from consumers? This bank BB & T is proceeding in an irregular way, I ca n't communicate with them. The branch people do n't know what they are doing. I called the manager and they state they are going to return my call but they do n't. What phone number can I call to communicate with them? 



XXXX This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt was paid
Consumer complaint received 2015-10-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My husband and I have a home with Nationstar Mortgage. We filed our Homestead Exemption with our XXXX county tax office here in XXXX XXXX, Tx. they owe us refund checks from our escrow account for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have called them multiple times and still have n't gotten any answers. They owe us about {$10000.00} if not more for our over paid taxes. My husband has a XXXX with the XXXX XXXX. They are not following the rules for our veterans with the tax exemptions. We filed form XXXX and form XXXX. None of our veteran friends have this problem with their homes and mortgage companies. I keep all our paperwork from Nationstar Mortgage and they still pretend like they do n't owe us an money. I will still seek out help until these issues are taken care of. also i will start to record all conversations with all representatives from now on.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (FL)

I lost my job last XXXX so I was unable to make payments on my Discover card. Several months later I was working a temporary job and Discover contacted me. I made several {$120.00} a month payments so my account would not go to collections. I was told after my 3 months of payments that I would go back to a once a month minimum payment. They told me that I would need to set it up on my own online. I asked are you sure you just ca n't take it out now and they said no we can not do that you have to go online and set it up yourself. Well on the XXXX month like clockwork I notice of withdrawal from my checking account of {$75.00} that I did not authorize through Discover. I quickly called Discover and explain to them that they should have not happen at this is their fault and they told me otherwise. They told me that it does come out of your account without you setting it up automatically which was the opposite of what I was told. I explained to her that I just wrote a check for rent which is all the money I have in my bank account and now that 's going to overdraft. She felt very bad and called my bank and told them if they could stop it but they could not as I could not bounce my rent check or I would be charged {$300.00} in late fees by my landlord. I was also told that of my account with overdraft that they would take care of it. What they did was they added {$55.00} to my Discover account but because I 'm overdue my limit I ca n't do anything with that money because I 'm overdue on my card. Every time I call them to ask for help they can not help me they say that they added money to my account which I need this money to get to and from work for gas and they do n't seem to care. I honestly do n't know what to do because every time I call they act like I 'm a criminal. All I tried to do was a good person and pay back my credit and I feel like I just got XXXX over. {$75.00} is a lot of money coming for me just described above months to get by to get caught up and they came and put {$34.00} back in my bank account for a mistake that they made.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I received an odd e-mail from Nationstar Mortgage on XXXX claiming that my mortgage had been transferred. This is the first notice that I have received about this issue. I refinanced with XXXX two years ago and my loan is now with XXXX, they have proved to be a disorganized mess. I have not received any information from XXXX about the transfer and I have not received the package that Nationstar claims to have mailed to me. I responded to the e-mail the same day stating that I would not change my monthly payments until notified by XXXX. Nationstar has not responded. I had a similar issue the first year of my mortgage ( XXXX ) with XXXX different lenders claiming to own my mortgage. I had not received anything from XXXX. Unlike XXXX, they answer their customer calls very quickly and they verified by phone and e-mail that the information was a fraud attempt to get customers to redirect their payments. I have been on the phone trying to reach XXXX joke of a customer service since receiving the e-mail and hung up several times after being on hold for 20+ minutes without anyone picking up the call. I have already processed the payment for the XXXX payment to XXXX.
Consumer complaint received 2023-07-29
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. (MO)

I recently reviewed my credit profile and noticed accounts that I do not Identify with. I also noticed several inaccuracies and or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- Congress states that a consumer report does not include, transaction or experiences between the consumer and the person making the report. How you use it is your line of credit is payment history which is considered your transaction.

Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692b ( 2 ) is prohibited for 3rd party debt collectors to communicate with credit reporting agencies regarding the collection of debts before obtaining written consent.

The law is very clear as to the Civil liability and the remedy available to me for negligent '' noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. These kind of errors are embarrassing and costly. I am being affected emotionally and financially because of these errors.

You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified with no tangible proof.

15 USC 1681 ( b ) 2 permissible purpose as it ( inquiries ) 15 USC 1681 ( s ) 2- prohibited from reporting info that they know to be inaccurate canceled debt ( charge off ) income cant be reported as debt define by IRS as gross or ordinary info.
Consumer complaint received 2016-06-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (NY)

discover student loan : Interest rate .0945 % XXXX XXXX starting balance : XXXX @ that rate the whole year the interest would be $ XXXX.However, the interest charged was XXXX Qualified Student Loan Interest Paid Amount Year Interest Paid XXXX {$8000.00} So the interest if paid on the {$82000.00} was paid every month it " only " comes to {$7800.00} with the balance dropping about {$8000.00} during XXXX how is this possible? 
XXXX XXXX statement balance {$74000.00} XXXX XXXX statement balance {$74000.00} Never late never any fees This loan was sold by XXXX a to Discover and the Starting amount between the XXXX is also suspect.
Consumer complaint received 2016-08-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates (AZ)

In XXXX of 2014, I paid off an old credit card bill from XXXX that had gone to collections. I received a letter from the collection agency that confirmed the " paid in full '' and that I would no longer owed any money to XXXX and had been released from further attempts to collect. Since the beginning of this year I have received multiple calls from different collections agencies still trying to collect on the same account I already paid. Some have even threatened legal action and states they are going to serve me with court paperwork to take me to court over the XXXX debt. I send them the letter indicating that I already paid it and that I no longer owe on the account. Then the next month, ill still receive call from another company trying to collect on it.
Consumer complaint received 2022-11-15
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc. (NY)

I brought my son in for treatment this XXXX for XXXX. I thereafter got XXXX my insurance information ( which was to entirely cover the {$800.00} bill ) - this was to be fully covered as per XXXX 's conversation with my son 's insurer XXXX. XXXX told me it was all taken care of. They then did not take care of it and sent a debt collector after me - AR Resources. I was notified of a credit score drop yesterday - when I looked into it I saw a debt outstanding from this charge. MAJOR ISSUE is that AR Resources never contacted me - EVER! So I called today, and they refused to give me XXXX 's contact information. I WANT THIS FIXED as my credit score due to this has gone from 730 to 660! In addition, the woman I spoke to at AR was nasty, obnoxious and told me " the only way to handle this is to pay off the debt you owe '' - that 's when I asked for a manager and he said that she was wrong and would be reprimanded - I then gave him my son 's insurance information and they said they 'd call back with an update. What kind of corrupt nonsense is this?!?!
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I 've have disputed this a few times and have provided Equifax supporting documents to clear this from my credit report. I 've attached my 2009 tax return regarding this tax lien that was file against me. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2016-07-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

Bankruptcy in 2010 and did not reaffirm. Selective Portfolio Servicing refuses to report my monthly payment to the credit agencies. Obvious that my credit score suffers, as I have never been late or missed a payment in eight-years of owing the property. Is there any mechanism to force reporting?
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I took a XXXX title loan and was charged XXXX XXXX dollars in interest I've paid them a little over {$26000.00} and counting over the course of time the loan was fulfilled last year but I'm being told it was not and being forced to pay more than enough
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

They are still showing that we were late on payments and owe back pay. I have letters and payment history showing where XXXX XXXX XXXX held our payments for months, and then applied them all at once which made it look like we were late. See attached documents proving.
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

XXXX 's " unsafe and unsound foreclosure practices '' and use of forged and unauthorized assignment of mortgage is being perpetrated in state and federal courts in order to pursue a foreclosure and relief of stay. XXXX has and is continuing to use forged assignment of mortgage allegedly assigned from XXXX XXXX to XXXX in XX/XX/XXXX and XX/XX/XXXX. These assignments are signed by various known robo signers as vice presidents of XXXX and XXXX to proceed in a foreclosure and bankruptcy proceeding. XXXX claim it is the legal owner of the mortgage via transfer, assignment of mortgage on XXXX XXXX, XXXX in a foreclosure complaint. No evidence was presented into the court 's record as to the claim. XXXX is not the original lender, but a debt collector, attempting to collect on a XX/XX/XXXX defaulted debt. XXXX XXXX Mortgage XXXX is the original lender and filed for chapter XXXX bankruptcy on XXXX XXXX, XX/XX/XXXX. XXXX was granted a default judgment in XXXX XX/XX/XXXX, and a relief of stay in the debtor 's bankruptcy proceeding in XX/XX/XXXX, again without any any proof of legal standing. No valid proof of note or assignment transfer, a proof of claim was not filed or any legal valid documentation offered, but the state court default judgment. 
Upon noticing XXXX 's lawyer that there was not any valid recorded documents of the transfer, or an executed assignment in the recorder of deed on XXXX XXXX, XX/XX/XXXX, an executed assignment dated XXXX XXXX, XX/XX/XXXX was filed into the record and was recorded on XXXX XXXX, XXXX. The assignment was defective and is invalid for numerous reasons. On XXXX XXXX, XX/XX/XXXX, another assignment was executed and recorded on XXXX XXXX, XX/XX/XXXX. This assignment was not a valid assignment. However, the XXXX XXXX, XX/XX/XXXX assignment is being perpetrated into the state and federal court as a valid assignment from XXXX XXXX to XXXX Bank, who was in bankruptcy at the time of the alleged executed assignment. I have attached various documents, including a letter to XXXX in regard their deceptive acts, and other pertinent documents as proof of the issues involved. Thank you for your time in reviewing documents. I hope XXXX would resolve this serious matter.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (NJ)

Received debt collection notice from MCarty, Burgess & Wolff for a debt that is not owed. I confirmed with XXXX that my account was paid off and was never owed a debt. This is a fake collection notice.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

There was a federal lien on me that has been withdrawn by the IRS, but Equifax keeps reporting it as " released. '' I have disputed it twice and both time I received notification from Equifax stating that they verified the lien and the item is being reported correctly on my credit report. They refuse to remove the lien from my credit report even though the IRS has filed a withdrawal of that lien with the county court. I need them to remove that lien from my report because it is hurting my credit score.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been trying to modify this property for years and the lender continuously "lost" our paperwork or "never received it." They have been not returning calls and even hanging up on us before I can reach the appropriate party. They have denied modifications because they say they haven't received paperwork we've sent numerous times. Now there is a sale date on the property.