davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

On XX/XX/XXXX, we submitted a complaint re : Planet Home Lending. The complaint was closed # XXXX as Planet HL wrote a letter and notified credit reporting agencies of their error. The letter corrected the XX/XX/XXXX payment but attached an AUD report form showing delinquency for seven months! Planet DID NOT own the loan for these months. 

This month we applied for a new mortgage and found that Planet HL still has not corrected the errors and indicates we were delinquent in our payments to them for seven months. Planet HL sold our loan to XXXX XXXX  and all payments were within timelines to XXXX, not Planet. After numerous calls, they agreed to open a case to look at the errors. We have not had a response from them at this time. 

This issue has gone on for 2 years! Its past time they get it fixed or we will take legal action.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Suntrust has incorrectly documented my insurance coverage and is sending me letters that I do not have sufficient coverage. They are threatening to buy insurance on my behalf and bill me for it. I have uploaded several documents regarding my condos master policy and walls in policy and they have still not changed their documentation. Their website ( XXXX XXXX XXXX ) still insists I only have {$5000.00} of coverage which is not the case. They are not controlling their processes. The phone number to call does not reach a person also.
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NJ)

Us.Binance.com will not let me deposit my USD from their application into my bank account. I submitted a support ticket in XXXX of this year and my account is fully verified. The USD in my account can not be withdrawn due to risk management and they have not responded to my support ticket in 2 months.
Consumer complaint received 2021-07-29
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: Consumer Adjustment Company Incorporated (IL)

I have called and emailed this company and they cant find an account for me. This is not my account I didnt open it. They also keep increasing my balance XXXX dollar and my score drop 40 points each time. 
This is the email I received from the company verification that it is not under my name.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (OR)

After pulling my XXXX credit reports on XX/XX/XXXX I found BONNEVILLE COLLECTIONS holds a debt against me for XXXX XXXX XXXX in the amount of {$540.00}. It states the first delinquency date is XXXX XXXX, XXXX. I personally have never contracted any services from XXXX XXXX XXXX. I have never had any utilities in my name in the XXXX XXXX XXXX 

I disputed this collection and was denied. I am seeking for it to be removed because it is negatively affecting my credit.
Consumer complaint received 2019-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is back at its old habits soaking its customer with fees. For a new checking account I got, Wells Fargo has not provided me a debit card yet. As such, I had no way to access my money. I went into the Wells Fargo branch and they gouged me {$6.00} for 6 checks to be able to pay bills and access my money. When I called, they told me that they do this to all accountholders - even if they have not been provided with another way to access the money. You can withdraw cash but must pay for a money order to pay a bill. I spoke with XXXX XXXX in the executive office who also did not assist with a resolution in the immediate herself.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This company is currently showing 30 days late for the month of XX/XX/XXXX and 60 days late for the month of XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX a fraudulent charge was made on my card for the amount of {$250.00}. A {$250.00} transaction that I noticed on XX/XX/XXXX the following week when checking my statement I called capital one right away the associate i spoke with said the company would investigate and I would not be charged as I knew I did not make this purchase I was not worried. On XX/XX/XXXX upon looking at my statement I noticed my card was again charged for the {$250.00} and promptly called the company I tried to resolve it with capital one with associate XXXX XXXX who stated she was the highest person in charge and b chip cards can not be cloned or copied i was responsible for the transaction. I used my card once that day at another store. And did not make this purchase and should not be held responsible for someone who committed fraud.
Consumer complaint received 2019-12-14
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: PARKSIDE LENDING, LLC (IL)

On XX/XX/XXXX I was notified by Parkside Lending who originated my loan on XX/XX/XXXX for the purchase of my first home via phone call that there was a problem with one of  the dates on the paperwork. During this phone call I was told the following : That all the documents were the same that only the dates were different. I was asked to get them signed as soon as possible for my best interest. Before I received the packet I was notified by XXXX XXXX that my credit had been pulled and had a hard inquiry. When I received the email with the new application document I noticed that it was marked refinance. My marital status was incorrect, I was changed to a floating rate, my income was also changed, and a new loan number was issued. Since that time, I have been notified many times by Parkside Lendings over the last 45 days from the mortgage bankers personal cellphone after hours in the attempt to get me to resign the new documents. He told me in several different ways that it would be in my best interest to sign the new documents. I had made my first mortgage payment on XX/XX/XXXX and it was not applied until approx 10 days after making it. It appeared they were holding it as they tried to get me to sign new loan documents. 

There have been many conversations since the XX/XX/XXXX with the following employees of Parkside. 

XXXX XXXX - Loan Officer XXXX XXXX - Area Manager I've been told that my loan was closed a day earlier than TRID allows and that is why they are trying to originate a new loan as my loan is not saleable to HUD. 
This situation has been handled unprofessionally by the lender and those involved. It has been extremely stressful with concerns that I am going to lose my home. I've contacted an attorney and was advised not to sign anything. I've told XXXX XXXX that I am not interested in refinancing and he continues to harass me. 

I have my original loan documents, the closing package and the new loan documents in paper form if needed. Please notify me if copies of these docs should be forwarded.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MN)

About a month back I received a letter from Fortiva credit saying that if I didn't cancel the card they would charge me {$99.00} even though I had only used the card through a zero interest deal on a guitar from 2 years ago. 

I called the company immediately and asked why they sent the letter when my account was already closed for over a yearly. The person on the phone assured me I wouldn't get billed and my account was closed. I have the phone call recorded and it backs up my story. Then to make sure I went on the company chat feature on their website and they told me again not to worry it was cancelled. I also saved screenshots of that conversation. 

Today I received a letter saying I owed them {$99.00} for a yearly fee, with a {$34.00} payment due by XX/XX/XXXX or I would get a {$49.00} late payment fee.. I called the company in Georgia and explained I had cancelled the card, and I have the phone recording, and screen shots of the chat to prove it. 

The person on the other end asked if I was recording the current call and I told them that I was recording and it was perfectly legal in Minnesota where I was calling from and in Georgia where they claimed to be because they are both 1 party consent states. At that pint he said that he couldn't speak to me if I was recording. I asked to talk to this supervisor and he claimed it takes 2 days for one to call me back. Then he hung up on me and blocked my calls. 

At this point they've gotten no money out of my account, and my bank has put a stop payment on the company. My biggest concern at this point is these scammers are going after people that possibly can't defend themselves, or that don't keep proof of what these scammers are saying.
Consumer complaint received 2022-01-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Estoppel of Silence If a creditor or collection agency fails to answer your validation letter you should send an Estoppel of Silence Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear XXXX XXXX This CFPB letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

Starting on XX/XX/2021 I was unable to use my Apple Credit Card issued by Goldman Sachs on both Apple Pay and the physical card. I contacted support immediately and they told me that my account was under review, but they wouldnt tell me why or provide any details. They also were unable to provide a timeframe on when I would be contacted to verify my identity. I contacted them again on XX/XX/2021 and I received the same response : no verified time-length when it would be completed, and Im still expected to pay the card and fees while being unable to use the card. Ive never been late on a payment nor has the account ever been delinquent.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

Requested original documentation from Midland Funding of my signature on original creditor documents. They said they didnt have it. I asked them to provide more than a statement showing validity of debt from origination of credit line and they refused.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (OH)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (MD)

Unsure of exact dates. Had a vehicle that was late on payments and had a small accident. Lost job. Asked for assistance but Wells Fargo only kept threatening to repossess it, even within the first 30 days. Asked for payment to be put at the end while waiting for first paycheck and they refused. Eventually the engine blew up on it while I was about XXXX days behind and when told them to come get it as a voluntary repossession, they refused. It stayed on the side of XXXX XXXX, XXXX for XXXX days ( I lived down the street and passed it multiple times a day ). It was taken between day XXXX and XXXX. A few months later I was renewing my car insurance online and noticed a claim for the vehicle after the date I called to surrender the vehicle. 
XXXX told me Wells Fargo placed a claim for hood damage. I had photos of the vehicle when it broke down on the side of the road in perfect physical condition after I removed the tags. The photos they provided had a CLEAR T shape in the center of the hood that was obviously from a tow truck stopping their tow piece on the hood. I spent months with the insurance company and paperwork showing my calls to them surrounding and the photos, eventually having the insurance company reverse their decision to place against my policy. WF then sued me for the difference of the loan and what they got at auction. I fought the situation, but ultimately had to file XXXX  with this debt when I did not have poor credit prior.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (TX)

Online Information Services - Creditors have reported several times my medical debt for the same amount and the same day of service. 
This has led to a derogatory number of 25 entries. I contacted them, but they do not know why these are reported so many times and they could not help. 

Creditor A : amount {$270.00} Reported 3 times Date : XX/XX/XXXX Creditor B : Amount : {$260.00} Reported : 10 times Date : XX/XX/XXXX Creditor C : Amount : {$180.00} Reported : 2 times Date : XX/XX/XXXX Creditor D : Amount : {$470.00} Reported : 2 times Date : XX/XX/XXXX Creditor : E Amount : {$180.00} Reported : 2 times Date : XX/XX/XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX I discovered an inaccurate item posted to my bill from Citicards. I questioned it by phone and asked for documentation ... numerous times ... and numerous times it was promised and even said to have been mailed when XXXX 's own records proved it wasn't. ( When it was finally provided along with copies of the log I'd requested, it was apparent that I had been lied to on the phone re their sending anything to me that identified the basis of the disputed charge. ) This account was on auto pay/full balance. After telling XXXX, by phone to stop grabbing the money from my checking account ... to no avail, I had to order a stop payment against XXXX at my Bank ( for which I had to pay {$35.00} ) .When XXXX got the stop payment info yet another XXXX XXXX called me and finally looked at the account and recognised the error. Where upon I paid the full true balance due and directed that the account be closed, which was done, not quite timely ... but done. 
That last rep I spoke to also promised this misadventure would not be reflected on my credit report .... However, when I checked my credit report today ... I found XXXX reported I was delinquent for 3 months. My " deliquency '' was due to my refusal to pay the balance until I could get info re its legitimacy and until XXXX looked at it and corrected their error in wrongly seeking payment for an amount for which I was not liable ... and for taking that amount out of my linked bank account. 
While XXXX ethically should be responsible for compensating me for the hours I spent trying to correct their error as well as the {$35.00} stop payment charge I incurred that finally got their attention, I would be happy if they removed the adverse info from my otherwise pristine credit history .... although I wouldn't mind the {$35.00} as well. My resolve to never to do business with XXXX again ( which one of their reps arrogantly replied was of of no matter to them, when I spoke to her ) will assure this never happens again, at least not with XXXX.
Consumer complaint received 2022-11-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in XXXX CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as welXXXX XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit
Consumer complaint received 2019-12-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (OH)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MAJR Financial Corp (CA)

M.A.J.R. Financial XXXX started reporting a collection for {$5000.00} with {$0.00} balance and I do not know where this came from. There is no unpaid loans or charge off in the amount of {$5000.00} that was transferred or sold so I do not know where this coming from and its hurting my credit score greatly. PLEASE HELP ME!!!
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Boone & Associates Group LLC (TX)

This company has called me on several different occasions but today ( XX/XX/29 at XXXX CST ) they called a family member trying to find me. I decided to give this company a call to see why they were trying to reach me. I reached them at XXXX CST, this person did not identify as a debt collector, did not advise me that the call was being recorded, and did not verify who I was. They let me know that they are collecting on a loan that I took out a couple of years ago and will garnish my wages. I stopped them and let them know that they were not licensed to collect in TX or that TX does not garnish wages for regular debt. We argued over this until he hung up.