davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (FL)

Choice Recovery   XXXX  , viola ted chapter (  11  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  1  11-203, title X, 124 Stat. 2092 ( 2010 ) Choice Recovery   XXXX , willfully violate d Chapter ( 11 ) The failure to disclose in the initial written   communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.      Choice Recovery   XXXX , willfully violated Chapter ( 11 ) bypassing this federal act by reporting the alleged debt from  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  to the Credit Reporting Agencies They are civil for damages for their violatio n 813.  Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A  ) in the case of any action by an individual, such additional damages as the cou rt may al low, but not exceeding {$1000.00} ; I was advised by the credit bureau that they placed the account for collection and in turn I sent them the cease desist letter.
Consumer complaint received 2017-05-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: United Group Inc. (WA)

XX/XX/XXXX I took out a {$3600.00} title loan with United Finance in XXXX, Washington. I was told the loan amount would be {$4800.00} with interest. I made 5 payments before my car broke down and I could not afford to pay. The title loan company repossessed my car in XX/XX/XXXX, then sold it at an auction. The total amount of payments I made was {$1000.00}. They then sold my car for {$850.00}. In XX/XX/XXXX, I was served papers that the title loan company was suing me in small claims court for {$5000.00}. This amount does not reflect the {$1000.00} or the {$850.00} in money they made back. This is more than the initial loan, including interest would have been if I had never made any payments. They did not show up to our court ordered mediation, so the case was dismissed. They then put this account on my credit as a charge-off in XX/XX/XXXX, for the amount of {$5000.00}. Since then, they have added {$110.00} in interest. My account is currently {$5100.00}. I do not know if this is legal, but it does n't seem fair that {$1900.00} in payments are not reflected in the balance owed. I am also not sure if they are allowed to add interest to an account that has been closed. In XX/XX/XXXX, I disputed this account for wrong information to the credit bureaus. Nothing was changed.
Consumer complaint received 2017-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld S ystems/TSI claims on my credit report that they are collecting a debt of {$400.00} on behalf of  XXXX   XXXX  for a recently charged off account. I have n't had an account with  XXXX   XXXX  since  XXXX  of  XXXX , and I had received no notice of a debt from Transworld, so I called the original creditor on  XXXX   XXXX ,  XXXX  to verify that no one had recently opened an account using my information. They told me the closed account date they have for me is  XXXX   XXXX ,  XXXX  and the charge off date was  XXXX ,  XXXX ,  XXXX , and they have not had an account for me since. They sent me the proof of dates the accounts were opened and closed. I contacted  Transunion a s again, I have received no contact with  Transworld,  not by phone, not by mail. I told them this creditor has illegally reaged this account, and that I have received no communication or validation of this supposed debt, yet as of today they consider the matter settled and the account remains as a negative collection on my credit report with an origination date in  XXXX   XXXX . My issues are that I have received zero communicatio n, zero  proof of debt, and I have evidence from the original creditor that they have illegally reaged this debt that was originally reported to them in  XXXX  of  XXXX . They are lying on my credit report and saying that the original creditor contacted them in  XXXX  of  XXXX , which the original creditor says is a flat out lie and they suggested I contact your agency. I want to sue them for their illegal practices that are damaging my credit and costing me money in the forms of higher interest rates and outright denials for the extention of credit. They are breaking the law and need to be punished accordingly.
Consumer complaint received 2017-05-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

XXXX / XXXX /  XXXX   - I am a co-signer on my daughters  Navient Student L oans. We have been trying to get the payment lowered to an amount that is financially possible based on her income. They currently have her monthly payment at {$1200.00} a month. Today we called and asked again about lowering the monthly payment and we were told that she has  3 mo re months of forbearence and that we could n't speak to anyone in collections until she has utilized all the forbearence that they offer. This will only lenghthen the time of the repayment period as well as add interest and therefore increase the monthly payment. We also inquired about co-signer release, which we were told that she would need to ma ke 12 con secutive payments to release the co-signer but after the co-signer is released they still  may not d o an income based repayment for her anyway. So as of today we put it back into forbearance which is adding on interest and the amount of the monthly payment to go up. We need to recify this and get the payment to a doable amount per month for her. How can we do this? Please help.     Thank you
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

These are my daughter 's loans. I am the co-signer. These loans were on a repayment program. The payment was made but their system was having a known issue. The system never recorded her payment and kicked her off of the program. When she contacted them my daughter was she to submit proof of the payment, which she did. This payment goes back to XX/XX/year>. She contacted them to have this resolved to date they have not gotten back to her with a resolution to the problem and has charged off the accounts.
Consumer complaint received 2017-05-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo h as opened an unauthorized account in my name. They will not tell me if it is a savings or checking account. Aroun d 1-2 ye ars ago, I registered for their  XXXX  service with the email  XXXX  XXXX  XXXX . Somehow they got another email address of mine (  XXXX  XXXX  XXXX  ) and used it to open an account to which a person named  XXXX   XXXX  has been sending money. I get the emails from  Wells Fargo. These are legitimate Wells Fargo em ails. Each time I bring it up they try to blow me off by saying it 's some kind of phishing scam. They are liars. These emails contain legitimate links to  Wells Fargo 's website and legitimate contact information. Wells Fargo is doing something shady and using my name and email   address to do it. I do n't know anyone named  XXXX   XXXX  and I do n't have and never had any account  XXXX .  Wells Fargo  pretends this account does n't exist yet they are sending multiple emails to me each month about this account receiving money. I will provide screenshots of several of these emails so that you know that these are indeed coming from  Wells Fargo. I h ave deleted most of the emails but after a while it got so annoying that I started saving them. Please review the uploaded documents.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

Closed account because company is taking advantage of me had a  XXXX  balance remaining but bank is showing  XXXX  Statement balance as of  XXXX / XXXX /  XXXX   {$1000.00} Transaction Date, Description, Category, Amount  XXXX / XXXX /  XXXX  , '' RETURNED PAYMENT FEE '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' PAYMENT REVERSAL '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ' ' CUSTMR ADV N OT AUTHORIZED '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '  XXXX   XXXX   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX   XXXX  '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' INTEREST CHARGE-PURCHASES '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  XXXX
Consumer complaint received 2017-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Called Transunion to see the status of my investigation and to see why something was n't removed after the company stated they sent documentation as well as me submitting documentation.  Spoke  with  XXXX  in the special handling dept and she stated that at first it was not proper documentation to remove then she stated that oh she sees the letter from the company. As we discussed more accounts that should have been removed prior after to speaking to other reps she told me that there was no investigation on my account and she could start one. I told her that it should have been I sent proper documentation on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . She stated only thing she is from  XXXX  and it was in reference to the letter. I told her I spoke with  XXXX  on  XXXX  concerning a fraud alert that I did not request and also a security freeze I did not request. Spoke with  XXXX  a supervisor on  XXXX  and  XXXX  and items as far as address, inquiries, and these disputes were supposed to been removed. I have copies of certified receipts mailed as well as fax confirmations for these dates. Please remove all inquires that do not hold accounts and all disputes that are listed on all correspondences attached. Transunion has been removing and adding products or information without proper validation which violates the FRCA.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

WELLS Fargo  has repudiated a settlement after we paid the mortgage off in full.  <P/>  WF u nfairly charged us about 36 months of late payments.We fell behind  XXXX  months when l was very ill, receiving  XXXX   XXXX  treatments and could not work.    WF refused all our requests regarding help on this two month, such as adding it to the loan for a payment on s ale.  <P/> A  lthough this was one occurrence, Wells charged us about 30 late payments.
We were forced from our home of 23 years by Wells.On pay off we agreed with Wells they would remove the affects of their late charges. Wells removed about {$5000.00} in late charges and we paid the mortgage in full.
When we tried to buy a new house we found we could n't get a new mortgage, because Wells did not remove the late charges from our family 's credit repor  t, hurting both my wife and l.  Wells claims ( a ) it was a 'courtesy ' but.it was not we has told Wells a very similar case was lost in New York , it was necessary not a courte sy ... ( b  ) Wells Fargo now says they never promised to remove the 'late ' payments from both of our credit ratings. ( c ) this is disingenuous it was very clearly implied and meant ( d ) Wells is intentionally stopping us from buying a new home, as we ca n't get a new mortgage after their refusal to remove the late charges, and costs and rates are increasing ( d ) It costs Wells zero to do the right thing ( e ) Wells continue their unfair bias against us.   <P/> I need to settle my wife in  a new home urgently due to my poor health and age (   XXXX   ) Time is of the essence. WF must stop stalking us after we paid the mortgage in full.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

Applied online fo r Target    credit card on their website on  XXXX  and received the card in mail on  XXXX . Went to their website on  XXXX  and saw they were running a promotion that offered people who applied for credit card online that they would also get a 10 % discount off their next purchase. I called Target to request this offer since I did n't get card until after promotion started and should be eligible for this discount. I talked with a representative and a supervisor and both said that the offer started on  XXXX  and that since I applied before offer I would not be eligible for the additional discount.     This form of promotional advertising is deceptive and treats consumers unfairly by limiting offers to particular time periods.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We opened joint checking account  XX/XX/XXXX  at  XXXX   XXXX   XXXX  (  XXXX   )   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX . We had no issues until after we closed the accoun t  XX/XX/XXXX   when we moved to  XXXX . In   XX/XX/XXXX  our credit score  dropped alarmingly. Upon investigation, we found it was due to   XXXX   reporting that they closed our accoun t  XX/XX/XXXX  d ue to a charge off of {$870.00}. We contacted them & were told that, without our knowledge or authorization, they had re-opened our account & paid a {$870.00}. transaction. And since we never made a deposit to cover that transaction, they had just closed our account & wrote off the {$870.00}. I reminded them that we closed our accoun t  XX/XX/XXXX  & had no knowledge of the transaction & had not authorized them to re-open our account or p ay any charges. The  XXXX  employee told us the only way they would correct the credit report was for us to send them {$870.00}, despite the fact that we were not liable for it. We could not afford to do this. I filed a dispute with Transunion, a month later I received their report stating that  XXXX  had assured them that the facts as they stated them were accurate so TransUnion did not delete the account. Their investigators did nothing other than talk to a  XXXX  employee. Documentation showed we closed the account  in  XX/XX/XXXX  & t hat we had not initiated the {$870.00} transaction, if they had asked for it. Meanwhile, ou r credit score contin ues to remain low.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

XXXX   XXXX   XXXX  bought a debt fro m Citibank Best B uy which was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in  2015 . Now  XXXX   XXXX   XXXX  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sumbitted a request to validate collection accounts on my credit report. The letter stated for the credit to have the collection agency provide original documentation to prove that these accounts are mine. I was sent an email notification that my investigation was over but they have failed to tell me how they validated these debts.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX   XXXX   XXXX    (  XXXX   ) ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   CA  XXXX , has just informed me, by letter dated    XX/XX/XXXX   , that my APR is to be raised, based on alleged " Serious Delinquency '' and " Amount past due on accounts. ''  XXXX  relied on an egregiously wrong  credit score  of  XXXX  by Experian. I have an unblemished record of payments to  XXXX   XXXX ,  XXXX   XXXX , since   XX/XX/XXXX   -- a half century ago ! Ibid.  wit h Visa and Mastercard.  I have never been refused a loan of any kind, including  1. a     XXXX   mor tgage loan on the purchase of our home. Payment of the mortgage is automatically made to  XXXX  from my  XXXX  checking account, an d 2.  a   XXXX   XXXX   XXXX   mortgage loan on a rental property which payment is also paid monthly automatically with funds drawn from my  XXXX  checking account.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates h old  XXXX  accounts from  XXXX    XXXX   XXXX   that were from Identity Theft by a relative of my husband. I submitted in  XXXX  Fraud Report to  XXXX    XXXX   XXXX    ( Original Creditor ), Portfolio is now the owner of both debts and I am currently being sued for a balance of {$3000.00} in account #  XXXX , this debts are not mine. I provided Portfolio another Identity Theft Report and also to  XXXX   XXXX   XXXX  their Attorney representing them on  XXXX  and also on  XXXX / XXXX / XXXX , I have contacted  Portfolio Recovery Associates  and fail to dispute both  XXXX    XXXX   XXXX   accounts. They have also not done anything to stop their legal action on the lawsuit to investigate. On  XX/XX/2017  I sent a request about both debts and they have not provided me with any documentation other than monthly statements.   I am a victim of Identity Theft, this debts are not mine!
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am  XXXX   XXXX   XXXX  with  XXXX   XXXX . After a year or more performing loss mitigation, I got approved for a loan modification, I have been paying mortgage payments diligently and recently I received a check send back for  XXXX  Mortgage saying that the total amou.nt required to bring this account current is {$30000.00}. I dont agree with them that the  Modificaiton i s not compIeted because they already received Modification Agreement with  Notarized Signatures and Modificaiton Deed of Trust signature. Nationstar is u nfair and NON- compliant.. As requested on letter dated  XXXX   XXXX ,   XXXX   for  XXXX  Mortgage payment, I made the payment in the amount of {$1400.00} to Nationstar, in their request due to additional fund is needed. Why is it being send back when I am doing what they have asked? Not only that they are asking for {$30000.00} to bring the account current.  XXXX  is lying and tricky. At this point I am on   XXXX   XXXX   and  XXXX , where in the world do I get {$30000.00} to pay them? They already sent out apology letter and will honor the modification.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellar Recovery, Inc. (TX)

I pulled my credit report and noticed tha t Stellar Recovery   Inc a re reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.
Consumer complaint received 2017-05-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (AL)

My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. They call my references daily, my job daily, my home daily and they have been putting letters in my mailbox on my property and on  XXXX   XXXX ,    2017 whic h is tonight, I heard someone at my door like they were trying to break in and it startled me because I live alone, and when I went to the door they were backing out of my driveway and they put a letter in my door after  XXXX . Ive asked them to stay off of my property but they refuse. They are scaring me coming to my house and I want this to stop. If they want their money they should work with my consolidation company and stop harassing me. This has gone too far.