davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I am a XXXX United States citizen and Wells Fargo bank continue to tell me that I owe them {$290.00} cents for over draft fees in which I never authorized them to sign me up for over draft protection and I have told them on numerous occasions that I don't even know how to use online banking and I never authorized Wells Fargo bank to sign me up for anything without my permission. But after going on 3years they didn't say anything about me having to pay any fees in which I should have been informed about all these hidden fees but even now Wells Fargo bank and it's bankers played along with them and are getting paid big money just to stay silent and the bankers and Wells Fargo bankers know what Wells Fargo bank executives are doing and are afraid that they will loose their jobs if the these bankers don't do what their superior tell them to do. And Wells Fargo bank has taken advantage of these consumers by forging people names on documents without the consumers authorization and knowledge. I have tried to let this institution know that I have not given them any permission to sign up for for anything without my consent. Now it's obvious now how Wells Fargo bank has been sued not only for taking advantage of people that are XXXX and Wells Fargo bank has been sued for discrimination as well. But in these days in time and are in a pandemic they are getting money just to feed their families and loved ones. By holding and opening up fake accounts and taking money with out the consumers consent and permission. And I have tried to get the information on what was in my savings account and they the bankers want to tell me hold on I will let you talk to my supervisor and and waiting on the phone just to seek out the truth about what is going on with my account. And the results has been click I have been hung up on by this financial institution and now they Wells Fargo bank wants me to give them my debit card number and my account number if I did that this is how they would justify that I have gave them authorization to charge me that {$290.00}
Consumer complaint received 2021-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TX)

From XX/XX/2021 - XX/XX/2021 Halsted Financial has called me over 7 times ( 8 times as of XX/XX/21 ) I have tried to block their number but they use different phone numbers to bypass my attempts to make them stop.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (WI)

On XX/XX/2021, I was mailed a letter to my home address from Home Depot Credit Services informing me that the consumer credit card I applied for could not be processed due to a credit freeze on my credit report. I DID NOT APPLY FOR THIS CREDIT CARD. Fortunately, because of the credit freeze I have in place, the credit card has not been processed. I will attempt to contact Home Depot Credit Services and tell them to stop processing this request.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Orions Management Group, LLC (MD)

I've been unable to reach the original creditor that sold this account to Orions Management Group in the amount of {$550.00} On XX/XX/2021 without any notice or phone call, Orions Management GR opened an account with XXXX  alleging I've been in collection with their firm for 2 years and 8 months damaging my credit.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

A Capital One Bank USA account was opened in my name. I become aware recently and sent in a dispute to the credit bureaus. All bureaus have removed this account finding that it is not my account and that it was fraudulent. XXXX  refuses to remove this account even after disputing and receiving all supporting documents such as a police report, FTC report, a dispute letter notarized and the laws which they have violated. last dispute was submitted in XX/XX/2021. I have sent all this information to the credit as well the same day it was sent to the bureaus and no response has been provided and none to the bureaus so XXXX  has no support in stating the creditor was able to verify any information and they can not because it is fraud.
Consumer complaint received 2021-07-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashia Services (CA)

Was given two previous loans with vip status. On the ad when researching company they didnt offer me XXXX after first loan. Also I said I was gon na file a complaint and they are back lashing on me now and I am not being given anymore credit by them. They said it's because i wasnt happy with services .i was happy but they are discrimination against me now by not allowing me to fairly use there services anymore. They are being unprofessional and violating my rights to be extended credit like I was before.
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I SPOKE TO XXXX XXXX WHO PROMISED ME A XXXX AMENDMENT TO MY MORTGAGE AND SHE SAID THAT ALL I NEEDED WAS XXXX XXXX IN THE ACCOUNT. I PLACED THE XXXX IN THE ACCOUNT AND THEY HAVE NOT CHANGED MY RATE TO XXXX.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (OR)

On XX/XX/XXXX, a {$4.00} purchase went through on PayPal Credit, which was automatically selected as my default, when I had believed & expected it to go through on my linked bank account. I had no idea it went through on PayPal Credit, and because I didn't expect to be using PayPal credit anytime soon there was no linked payment method on PayPal credits separate website. Because of this a payment was returned, two interest charges were added, and a late fee. I only discovered this because today I received a letter saying my Synchrony PayPal Credit account was closed due to delinquency of a whopping {$17.00} dollars. This was the only notice in paper I received & although I had received email notification, it was clear enough with terms like payment adjustment and automatic payment. I assumed if I had any charge on PayPal credit, and it's saying automatic payment processed, that I must have had a payment method on file & that it had just automatically made a payment. Now I have payed the balance off, but I received a blow to my credit for a {$4.00} purchase that was never supposed to be placed on credit in the first place.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AK)

Placed freeze with experian. 
Tried to unfreeze later using both Experian web page and phone. 
Entered ALL requested info including PIN they gave me at time of freeze. 
Both methods denied unfreeze action pending mail in of numerous ID documents. 
This is holding up a mortgage and will cost money if not solved immediately. 
Web site claims pin is the only requirement to unfreeze. I believe they are misleading people on this process to save money for themselves.
Consumer complaint received 2021-07-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal credit union is under fbi investigation for crimes against me for hacking per agent # XXXX with the national threat operations center. Cease all INCOMING CONTACT WITH NAVY AND DO CONTACT THEM. UNABLE TO ACCESS OPEN ACCOUNTS LOANS SAVINGS CHECKING CREDIT CARD. BANNED FROM BRANCHES AND CALLING IN BUT NOT APP PER XXXX XXXX CA BRANCH ASSISTANT SUPERVISOR XXXX AFTER 1 HR OF ME BEING IN BRANCH USED MY ID TO VERIFY ME KICKED ME OUT NOTHING IN WRITING WOULDN'T PROVIDE LETTER. KICKED ME OUT AN HOUR IN AS XXXX XXXX AND MY CAREGIVER UNDER ADA. AGENT XXXX STATES THE OFFICE OF THE CONTROLLER OF THE CURRENCY TO INVESTIGATE NAVY FED CREDIT UNION FOR SYSTEMICALLY DISCRIMINATING AGAINST ME AT THE LOWEST LEVEL TO EXECUTIVE CASE MANAGER FOR UNFAIR LENDING PRACTICES BASED ON AGE SEX DISABILITY ECONOMIC BACKGROUND RACE. I HAVE ACTIVE LOAN CHECKING SAVINGS CREDIT CARD W NAVY THEM CAN'T ACCESS ACCOUNT ONLINE. INCIDENT REPORT TAKEN FROM XXXX XXXX CA POLICE OFFICERS # XXXX # XXXX XX/XX/21 INCIDENT # XXXX NO DETECTIVE CALLED NO WATCH COMMANDER CRIMES STILL HAPPENING HELP
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation (AL)

After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX  XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (MS)

i recently responded to MEDICREDIT, INC on XX/XX/2021 for a alleged debt of XXXX that i don't owe, so they have violated by not responded within the 30 days time frame and i sent them another letter on XX/XX/2021 requesting the validity of the debt again and they have not responded. i need help in resolving this matter because they are causing me harm and XXXX. i am going to the doctor more and taking more medicine. my certified mail tracking # for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: JPMORGAN CHASE & CO. (TX)

I received a loan for my vehicle at XXXX  XXXX of XXXX XXXX, CA XXXX. I was unable to pay for my car when it got repossessed by the bank due to my job laying me off. My work had sent me my last check due to covid-19. After I was left with outstanding debt. Nearly over {$9000.00}. It has been a few years. I have tried to make contact to collections but I have no luck. At on point I called to pay my debt on a credit card of $ 600+ & I believe that was a scam. I still have records of collections being due. I believe it is unfair the way my report has been handled and I am seeking a higher up to a help me with my claim. I can not afford to pay this debt.
Consumer complaint received 2019-12-16
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: Experian Information Solutions Inc. (IL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.
Consumer complaint received 2021-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (CA)

Global Lending Services is accusing of me being in default on my car loan. I have not missed a payment this year. During XXXX, I asked Global Lending Services to work with me for a payment reduction and for an interest rate reduction but they refused because they said I signed a contract for the current interest rate. 

I have tried to get another loan but because of the interest rate the vehicle is upside down. They have harassed me for late fees. My due date is on the XXXX of every month and I have made my payments. They do not respond to my request or concerns. I also asked them for time for me to research my payments from the bank. They are threatening me that the last day for me to pay the past due amount of {$1900.00} is on XX/XX/XXXX. I have been sick and unable to respond to a letter that I received a couple of days ago dated XX/XX/XXXX. I visited my bank a week ago and asked for payment verifications. I am continuing to reconcile payments since XXXX and it is taking me longer than expected. 

When I purchased the vehicle the dealership informed me that I would be able to refinance the loan but Global Lending Service has denied that was ever an option once the contract was signed. 

Since my experience, I have researched and reviewed comments online about GLS. XXXX  : XXXX. 

This is very upsetting. 

Were my payments processed and not applied to my account? Were my payments lost? There is a refusal to acknowledge that the payments have come in on time. 

https : XXXX I have made all of my payments on their website this year and have not missed a payment. I don't know what the problem is. GLS is threatening to charge me for the value of the vehicle due to the high interest rate of the loan. How many consumers GLS done this to?

This is not fair to me and is a violation of my consumer rights. I purchased this vehicle in XXXX and have been in communication with GLS almost everyday because they call me everyday. 

Why they are harassing and threatening me is a violation of my civil rights ; has caused me undue stress and harm. Is this a common practice with GLS?
Consumer complaint received 2021-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (NY)

A class action lawsuit against Santander bank was bought forth last year which I was one of the victim 's in the lawsuit. Santander bank was accused of fraudulent and predatory car loans which has been deemed illegal. The case was settled out of court and Santander bank was required to remove all loans and or Derogatory remarks on my credit report. The class action lawsuit is very much public information. I would like this account to be removed from my credit report. 
Your efforts in investigating this matter would be appreciated. Please respond at your earliest convenience regarding the results of your investigation.
Consumer complaint received 2021-07-31
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: EQUIFAX, INC. (NV)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-31
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. (NV)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2021-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (NV)

I sent PHOENIX FINANCIAL SERV a debt validation letter on XX/XX/21 through certified mail with a green receipt ( # XXXX XXXX XXXX XXXX XXXX ) in regards to 2 collection accounts they placed on my consumer reports ( XXXX, XXXX, and XXXX  ). I did not give PHOENIX FINANCIAL SERV written or oral consent to share my private medical or financial information with any consumer reporting agencies. I received the green receipt back to my location on XX/XX/21. The green receipt shows that the letter was received by a person listed as XXXX, an uninterested party in this matter, on XX/XX/21. In the debt validation letter I requested that PHOENIX FINANCIAL SERV send me a breakdown of fees including any and all collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and that they immediately cease any consumer reporting until the alleged debt has been validated by me. It has been 20 days and I still have not received a written response from PHOENIX FINANCIAL SERV. However, on XX/XX/21, I received a notification that PHOENIX FINANCIAL SERV has removed both collection accounts from my consumer reports ( XXXX and XXXX ). I still need a response in writing so that I can exercise my right to validate this alleged debt. PHOENIX FINANCIAL SERV is in violation of 15 USC 1692g ( a ). PHOENIX FINANCIAL SERV is also not in compliance with the HIPPA law. I need this matter to be resolved immediately because it has caused me embarrassment, defamed my character, and placed me in financial hardship. At this time I am demanding that PHOENIX FINANCIAL SERV send me all documentary evidence so that I can validate the alleged debts.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a XX/XX/2021 dated correspondence from PORTFOLIO RECOVERY ASSOCIATES, LLC stating a debt obligation requires satisfaction. It is not now nor has it ever been my intention not to honor any debt obligation that I owe. In response to this presentment I sent a correspondence outlining the documentation and verification required of PORTFOLIO RECOVERY ASSOCIATES, LLC in order to honor this debt obligation that PORTFOLIO RECOVERY ASSOCIATES, LLC claims that I owe. I created this response on XX/XX/2021 and it is received by agent on XX/XX/2021 at XXXX XXXX  via United States Postal Service certified mail tracking # XXXX XXXX XXXX XXXX XXXX. In response to my correspondence PORTFOLIO RECOVER ASSOCIATES, LLC sent a XX/XX/2021 dated letter that failed to document and verify the debt. In my correspondence I made it clear that I would require a {$2500.00} counsel fee for each time the debt collector contacted me if they were unable to document and verify the debt obligation as required by federal and state law. I believe the name of the woman during a phone conversation on XX/XX/2021 was XXXX XXXX. She claimed to represent the debt collector and she attempted to coerce me into agreeing on a recorded line that the debt in question is valid. She claimed that she would be bringing a manager to the phone line but no manager ever spoke on the line. These practices only further demonstrate that PORTFOLIO RECOVERY ASSOCIATES, LLC is engaged bad faith practices. Filing this complaint with the Consumer Financial Potection Bureau is my only recourse short of litigation to protect myself from the unfair dealings and deceptive practices of institutions like PORTFOLIO RECOVERY ASSOCIATES, LLC. In a previous complaint I was contacted by an attorney who filed a complaint with the Supreme Court against such an agency. I welcome that such an invitation if it exists in this case as well. Thank you for you time and concern in this matter.
Consumer complaint received 2022-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I initiated a XXXX payment which I found out was a scam. I called Wells Fargo to cancel. The transaction was still pending on XX/XX/21. The bank told me they opened a case. I have not received my {$510.00} back.