davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

It appears to us that Pennymac has created circumstances that resulted in charging overdue fines of {$320.00} over a three month period. We had mistakenly underpaid our payments for XXXX, XXXX, and XXXX by {$220.00} because we had not received notification that our payment was going to increase by that amount from the previous amount of {$1900.00} which we had been paying since the loan inception via auto-pay from our credit union where there had been a total balance in our accounts of XXXX XXXX on average since the loan inception. 

Pennymac has claimed that they had notified us via email but they've been unable to document that any such email had been sent and we don't have any record of it. We've also NOT been able to access any information on our account on their website even after multiple attempts and calls to customer service. ( We've spent over six hours on the phone with Pennymac trying to access our account online. My work includes providing online software support and I am very familiar with how websites are supposed to work. )
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

XXXX XXXX XXXX ( c ) states that if a consumer notifies a debt collector that the consumer refuses to pay a debt collector the debt collector must cease all communication. They have been calling after business hours and sending multiple letters in the mail. They removed this collection from my report in XX/XX/year> then added it back. The Fair Credit Reporting Act ( FCRA ) prevents credit reporting agencies from adding back information that a consumer has disputed and had removed from their credit report. I have attached the screenshot the week it was removed. The collection company name is Conserve. Account number is XXXX.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (MD)

I signed up for Truist this year upon moving, the representative who signed me up I did not ask them to monitor my account of add XXXX credits being taken out of my account. Soon as I locked my account, the credit charges began overnight. I was signed up unknowingly! I see the XXXX pages on the Truist banking app, I never touched or clicked any links. I never input my banking information on anything but where I order my childrens things. I am considering closing this bank account because they have privacy problems with sharing my information I did not tell them to. I want this investigation thoroughly because they are doing things above the job they were given. I keep my cards locked in a safe, nobody else has access to my account numbers that I gave. This is fraudulent, this must be refunded and they should be held accountable. XXXX should not have my bank information at all.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

paid in full, spoke to representative, they said once paid in full it would be deleted off my credit report, it is still on there and the amount. It is a XXXX  balance and should be deleted per my agreement with XXXX acting for XXXX XXXX
Consumer complaint received 2024-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (LA)

I am writing to address a series of inaccuracies regarding my auto loan account with Chrysler Capital. The following details outline the discrepancies and actions taken : Account Information : Inaccuracies Identified : Date Opened : The account was reported as opened on XX/XX/XXXX, whereas it should be XX/XX/XXXX. 
Date Last Active : The account was reported as last active on XX/XX/XXXX, but it should be XX/XX/XXXX. 
Date Last Payment : There is no reported payment date, but the accurate last payment was on XX/XX/XXXX. 
High Credit : The reported high credit amount is {$19000.00}, which is incorrect ; the correct amount is {$19000.00}. 
Last Reported : The account status was inaccurately reported on XX/XX/XXXX and XX/XX/XXXX. 
Account Status and Details : Account Status : The account is reported as derogatory and in collection/charge-off status. However, the information regarding these statuses is incorrect.

Monthly Payment : The reported monthly payment status is missing.

Balance Owed : The balance owed is not provided accurately.

Account Term : The term was reported as 74 months, which appears correct but is noted for completeness. 
Actions Taken : Repossession and Sale : The vehicle was repossessed and sold by Chrysler Capital. Despite this, the reporting of the account as a bad debt is incorrect and reflects incorrect days and information. 
I kindly request that the companies involved review and correct these inaccuracies to accurately reflect the status and details of the account. Thank you for your attention to this matter. Previous Communication : I previously reached out to Chrysler Capital to notify them of these inaccuracies and requested corrections. Unfortunately, no corrective action was taken, and the incorrect information remains on my credit report.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I applied for a loan through my wells fargo account and was denied. I was attempting to secure a loan as my lease was up and was required to move. I found a lender which in turn was a fraudulent person. In turn, this person deposited {$400.00} into my account using fraudulent checks in my name when I was told it would be an electronic transaction. I don't deny my navety in this but in turn, I lost the money, my account was blocked and then closed for XXXX weeks. I had to persue other options such as payday loans and title loans as my money was held until they did their investigations. Not once did anyone reach out to me to inform me of the progress of the situation all the while they held onto my money. I have a family that I support on my own and that money almost cost me our home as well as every day needs. I am now attempting to reopen my account but am being told I am never allowed to have an account with wells fargo again as if I was the criminal in this instance. I was robbed, lost money and almost lost our home because of this and now im being ostracized by wells fargo for this.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (FL)

I am unaware of this debt! I am XXXX XXXX XXXX XXXX 
I didn't have the opportunity to dispute this information! 
If you believe that you gave me the proper notification, please send me the certified receipts with my signature on them!
Consumer complaint received 2024-08-24
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: CITIZENS FINANCIAL GROUP, INC. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

In XX/XX/XXXX I became aware of a fraudulent XXXX XXXX XXXX  account opened in my name that had been sent to collection XXXX it was not paid. I am the victim of identity theft and this is not the first time I have dealt with a fraudulent transaction in my name. I informed XXXX XXXX XXXX of this and they sent me a ridiculous form to complete along with several other documents they wanted to prove identity theft. Among the documents they wanted proof of residency via a utility bill. However, all of the bills are held and my husbands name. When I explained my predicament they told me they couldnt help me and I should just pay the almost {$1400.00} bill. However, the debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX sold the debt to was very understanding. They removed from their collections list and informed XXXX XXXX XXXX that their investigation concluded the account was identity theft. I did not great another thing about it until XX/XX/XXXX when XXXX XXXX XXXX sold the debt to another debt collector ( IC Services ). This time when they sold my debt they also gave the debt collector my real address ( that they only had because I had provided during the identity theft investigation with the previous debt collection agency ). I again had to him through hoops to get the collection removed from my credit and provide the collection agency with the appropriate information to prove I am a ongoing victim of identity theft. XXXX XXXX XXXX has been ruthless. Furthermore, if they would have done any due diligence when opening the fraudulent account for the thief that was illegally using my information they would have quickly seen that the address provided when the fraudulent account was opened does not even exists. XXXX XXXX XXXX shows no compassion for the victims of identity theft. The fact that they put the burden of proving innocence on the victim is disgusting. Especially since they could have prevented this entire issue if they had just looked a little further into the thief that opened the account.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> we issued a check of {$XXXX} to XXXX XXXX XXXX XXXX XXXX XXXX office. The check was apparently stolen or misappropriated by someone who endorsed the check and deposited the check into their account. 

The money was withdrawn from our Wells Fargo bank account and a review of our bank statement didnt alert us to any possible fraud issue or problem as the check was written for our property taxes. 

Recently, XXXX XXXX assessor indicated that we never paid our property taxes and when we investigated the check endorsement it was apparent that the check was stolen and endorsed by someone else named XXXX XXXX ( sp ). 

First of all, XXXX XXXX of XXXX XXXX does not endorse checks by personal signature. Moreover, bank statements do not show check endorsements to verify who deposited the check. 

We do take ordinary care in reviewing our statements but the bank statements would not lead anyone to believe that there was something amiss. 

This check was not properly payable to XXXX XXXX and yet the bank honored the forged endorsement of a governmental agency and now refuses to credit our account for the fraud. 

There should be no comparative fault in this situation as the only mistakes were made by the bank. 

We ask that the CFPB intervene and remind Wells Fargo of the Rules and instruct them to reimburse us for their mistakes. 

We all know XXXX XXXX reputation and history as it relates to honoring their obligations and following the law. They have quite of history, as you knew. 


Thank you.
Consumer complaint received 2024-08-17
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

So they close my husband and Account for fraudulent reasons of disputes and stuff and I called customer service for them to unlock my account because I have {$220.00} in my account they will not let me have it and if Capital One does not let me have my money thats in there because the account was closing when they didnt even tell us they were closing it. I will sue them for that money so I suggest you tell them to give me my money or I will have a lawyer against them them.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Every single day I receive multiple phone calls from Portfolio Recovery. This is causing me much XXXX  I have missed several very important phone calls because I have to keep my phone on silent due to the excessive amount of phone calls each day. Including weekends and after 9pm.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC. (CT)

On XX/XX/year> I deposited {$20000.00} on behalf of my company into a Robinhood Personal Brokerage account for investment purposes. I immediately bought around XXXX in stock and left the leftover XXXX as cash for my next investment. 3 days later and Robinhood " temporary disables my account '', not allowing me to place any trades or withdraw any money. I submit the documents as they ask and 3 days go by again and I receive no response from the team. The box reappears again asking me for the same information that I submitted prior, I again submit my information, and additional 3 days go by and they postpone the date of when my case will be resolved. I than reach out by chat to the support team, who don't give me an answer and tell me to call the support team and close the case. I than call the Robinhood Support Team and they aren't available to talk with me. I than reach out in another support case and they again aren't able to set up a call to talk with me. It has been a month and I have XXXX just sitting in an account that I CANT DO ANYTHING ABOUT.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (CA)

I had XXXX transactions made on Cash App that were not made by me. I disputed the transactions on XX/XX/XXXX and XX/XX/XXXX. I disputed all XXXX of them. They refunded me for only XXXX transactions on XX/XX/XXXX. Then, after continuously asking for XXXX days why I only received XXXX disputed transactions and not all XXXX, they finally told me today, XX/XX/XXXX, that they investigated and closed the disputes and will not be giving me a refund.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I only got aware of it when I received a notification from the credit reporting agencies of an adversary action. The company filed a collection notice for {$96.00}. I never received any correspondence from the original creditor of an open balance nor received any notice from the collection agency about the debt. I called the collection agency and asked the to send me proof and ALL correspondence including any signed contracts and proof that this was indeed signed and created by me. The agency just keeps disconnecting the phone when I ask for the information and has never sent me any mail to my home. This negative reporting has effected my credit which in turn has caused me financial harm with higher interest rates and declination of further credit.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I applied for the Citi Anywhere Costco Credit Card and approved on XX/XX/XXXX. The credit card was stolen during delivery and I never received the credit card, nor did I activate the credit card. 
The person who stole my credit card used my card in multiple places on XX/XX/XXXX and XX/XX/XXXX for a total amount of {$440.00}. 
I received no alter from Citi until XX/XX/XXXX. A text message was sent to me asking if I was using the card in XXXXXXXX XXXX. I informed Citi immediately that I did not use the card and I disputed the transactions. 
Citi closed my fraud dispute without notifying me and did not provide any dispute credit. Right now I am responsible of paying the amount that I did not spend.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NY)

This account is invalid. Comenity Bank ) needs to verify under oath that this claim is valid, freeform any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 


XXXX XXXX XXXX XXXX ( Comenity Bank ) # XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Bella Sloan Enterprises (FL)

I submitted a complaint on XX/XX/year> and XXXX XXXX claimed he is not affiliated with the company. Please see attachments below! Please note on the fake document he emailed me His company which he is claiming he is not affiliated ( Bella Sloan Enterprises ) with, is referenced to top. XXXX XXXX is a LIAR and a SCAMMER.His profile on XXXX was the XXXX XXXX CEO, also XXXX, and XXXX. I also reached out the my State Attorney General, and the FBI. It appears he is involved in other salacious activities. The photo below was also email to the FTC, Florida State Attorney General, and FBI.
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (UT)

In XX/XX/XXXX ( dates are best estimates since the messages have been removed from my online portal with Newrez ) I submitted a request to have my home value reviewed for removal of PMI. I sent payment of {$150.00} for the broker 's opinion required for review. This check ( check number XXXX ) was debited from my checking account XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX reached out about doing the home value review. I got this scheduled and XXXX XXXX from XXXX XXXX came out to my home and took photos. He said he couldn't discuss home value with me, but that I could contact my mortgage company after he submits his assessment and I could get a copy of it. On XXXX, XXXX, XXXX, Newrez sent a letter stating my PMI removal request had been denied for one of five possible reasons and gave no specifics as to why. The only reason that could have applied to my situation is that the home value assessment wasn't high enough for removal ( LTV still above 80 % ) since the other reasons had to do with delinquency, etc. I called Newrez after receipt of this letter and asked for specifics on why my request was denied. The CSR said that it must have been too low of a value, but did not give specifics. I asked him for a copy of the assessment and he said it would be at my house in 7-10 days. I never received it. The end of XXXX or very beginning of XXXX, I sent a request to Newrez through the online portal asking for a copy of the assessment and haven't heard anything from them. 

This morning, XX/XX/XXXX, I received a home equity marketing email from Newrez ( which I frequently get ) stating my home 's estimated value is $ XXXX. The necessary home value needed for me to reach a LTV of 80 % for PMI removal is only $ XXXX. I'm getting mixed messages from them. They want to lend me more money on my home, but then won't remove the PMI. 

My complaint is : I believe the assessment on my home is low and would like to see a copy of the assessment. 
I never received the assessment after multiple requests. 
If they are going to estimate my home 's value at $ XXXX above what I need for PMI removal, they should remove it. They're quick to want to make money, but don't want to actually service the loan properly.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.