davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (MO)

I switched phone services on from XXXX XXXX XXXX to XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX to cancel my services. 
I received an invoice from XXXX XXXX XXXX for the full monthly total and called XXXX XXXX XXXX on XX/XX/XXXX and spoke with both XXXX and XXXX and someone was to call me back. Nobody called me back to discuss. 
I called again on XX/XX/XXXX and had another conversation for 1 hour and 7 minutes. I first spoke with XXXX at XXXX XXXX XXXX for 29 mixtures until she transferred me to the " combined filing specialist '' XXXX. Ticket # XXXX, Badge # XXXX and XXXX agreed with my assessment that I did not owe the amount indicated but a manager would have to call me back. Nobody called me. 
I know I owe something for the service from XXXX but XXXX XXXX XXXX keeps trying to charge me for the full month. I am not under contract. XXXX XXXX XXXX will also not honor my initial cancellation request on XX/XX/XXXX because they said they have no record. However, I have proof that my service changed, as I have explained to them. I can not control what XXXX XXXX XXXX records when I call them. I am happy to pay what I owe but I am not paying what I do not owe. 
XXXX XXXX XXXX has now told me twice that someone would call me back to discuss and nobody has and instead they turn me over to a collection agency, Credence Resource Management, without trying to resolve or fix their errors.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am having a very difficult time with SPS. I went through XXXX treatment in 2020 and had to stay home because of COVID and treatment. SPS placed my on a forbearance with the CARES Act. SPS then wanted me to apply for a modification to resolve the missed payments. SPS declined my modification and approved me for a repayment plan. As I told SPS I have new medical expenses because of XXXX and can not afford a repayment plan.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WI)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the sudden and unexplained closure of my Chase bank account, and I hope to receive your assistance in resolving this issue. 

My account at Chase bank was closed on XX/XX/year>. Before this, my account had been operating normally without any issues. However, just as I was about to use the account to pay for my summer tuition and living expenses, it was abruptly closed without any explanation or reason provided by the bank. 

Recently, my family transferred a sum of money to my account to cover my summer tuition fees and living expenses. Due to the closure of my account, I am unable to access these funds, which has caused significant disruption to my life. I am currently facing severe financial and psychological stress as I am unable to pay for my tuition and daily living expenses. 

Notably, Chase bank did not communicate with me in any form prior to closing the account, nor did they provide any warnings or opportunities for me to address any issues. I am unaware of the specific reasons behind the closure of my account, but this situation has caused considerable inconvenience to my daily life. 

The funds in question are primarily stored in my checking/savings account. If further information is required, I can provide the relevant account details. 

I hope that with your assistance, this issue can be resolved promptly, and my account can be restored to normal use. Additionally, I seek a clear explanation and resolution from the bank to prevent such incidents from occurring in the future. 

My account number is XXXX XXXX XXXX XXXX. 

Thank you for your attention and help! 

Sincerely, XXXX XXXX XXXX XXXX Mineral XXXX XXXX, XXXX, WI
Consumer complaint received 2021-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (NM)

check n go charged off my account 2017, was sold to debt collector. XXXX CLAIMS State of NM CASE # XXXX are going to sue me, claims they are attorney, Calls 30 times a day from unknown number and XXXX, XXXX, i recently disputed error in credit report which gives them notice to stop calls and provide me with documents loan is them Check N go, asked them to remove my employer number at work which they said they can not remove.
Consumer complaint received 2021-01-13
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. (MD)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2020-04-01
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (NH)

On XX/XX/XXXX I called Fedloan to confirm that XX/XX/XXXX payment was not going to be taken out of my account due to the CARES Act Covid-19 response bill having been signed into law. I was informed at this time that Fedloan is claiming that suspended payments during the Covid-19 forbearance period will not count towards PSLF qualifying payments. I was encouraged to continue making payments by both representatives : XXXX # XXXX and XXXX # XXXX. This is in direct contradiction with what the Cares act states : SEC. 4513. TEMPORARY RELIEF FOR FEDERAL STUDENT LOAN BORROWERS. 
( a ) In General.The Secretary shall suspend all payments due for loans made under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for 3 months. 
( b ) No Accrual Of Interest.Notwithstanding any other provision of the Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq. ), interest shall not accrue on a loan described under subsection ( a ) for which payment was suspended for the period of the suspension. 
( c ) Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified.
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TX)

XX/XX/2020 Receivable Management has applied a debt owed on my Credit Report. I have ask for verification, Validation and not bill. On XX/XX/2020 they have notified me stating they will remove the debt from my Credit Report. The reference # XXXX, Im requesting this go effect immediately, because it is damaging my Credit.
Consumer complaint received 2021-01-13
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Porania, LLC (PA)

I filed for Chapter XXXX bankruptcy. The Mortgage holder sold my mortgage and the bankruptcy was terminated or dismissed. I now have been working with the new Mortgage holder and have paid XXXX $ to correct the situation. The report has the bankruptcys as open still.
Consumer complaint received 2021-01-13
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. (TN)

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2021-01-13
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: CAINE & WEINER COMPANY, INC. (CA)

I have a debt on my credit that shouldn't have never been added to my report first if all its covid you r not suppose to report anything to credit reports sec of all I have things on here that r not mine I reached out several times no response I want this off my credit immediately XX/XX/2020 it was reported and the name of company is Caine and wiener never did any type of business with these ppl and the debt is for XXXX please look into this and remove it also I'm showing I have XXXX credit cards that r open in my name I have zero credit cards in my name i had 1 card and it's now closed i believe this to be fraudulent
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

I recently received mail from Wells Fargo stating that I owe a balance of {$2000.00} and my amount past due is {$530.00}. I want to dispute this claim because Ive been out of state for over a year and I also have a letter from a former employer stating that my personal information has been compromised, I also dont live at that address that they have on file as well so I want to dispute the fees that they are stating in the letter that I received. I havent use my card in almost a year. As I mentioned, my personal information was compromise, and I believe somebody has been using my credit cards, which is fraudulent activity.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

To Whom It May Concern : I was falsely accused of fraud by Capital One on a cashier check that was purchased from their branch location and deposited in my XXXX XXXX account on XX/XX/2020. 
To this vary day, Capital One Bank has not stated in writing what are the specifics of their accusations or sent any letter. I've request three separate times a letter explaining what's going on and they have ignored the request 3 times. They have wrongfully tied up a significant amount of my funds since XXXX. This have cause much hardship for my family. XXXX XXXX was instructed to send the funds back to Capital One. I have been kept in the dark with no explanation on why the funds had to be returned the whole time. XXXX agrees with me that there was no fraud committed after they requested that I submit documented proof of the transaction in question. XXXX told me that they have to follow timely guidelines in order to send the funds back. My main complaint is that Capital One should have never reported to the opposing Bank that it was fraud period. Capital One has abused their authority and cause financial hardship and suffering for no justified reason. After over 70 days, I still don't have my funds back.
Consumer complaint received 2021-01-13
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: WELLS FARGO & COMPANY (NY)

Since the middle of XXXX I have been trying to work with Wells Fargo to reverse {$15000.00} of fraudulent cash advances on my credit card that were placed into my checking account and fraudulently taken out of my checking account via XXXX XXXX, XXXX and XXXX. 

I have filed three claims with Wells Fargo to date, provided them with a police report from the XXXX Precinct in XXXX confirming that their investigation proved that my XXXX, XXXX  XXXX XXXX and Wells Fargo accounts were all hacked to the total amount of {$25000.00}. 

Wells Fargo has denied my claims, XXXX is giving me a hard time about some charges and XXXX XXXX XXXX has two other charges they need to clear. 

I would very much appreciate the help reversing all these issues, Wells Fargo is the most pressing and the one I need help with the most. 

This is all due to my being scammed by someone who offered to assist me with paying my bills due to financial hardship, who asked for my login info, and then turned out to be a scammer/hacker and committed so much fraud, leaving me in worse financial shape.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax ; XXXX and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-01-13
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)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2021-01-13
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: Bread Financial Holdings, Inc. (NV)

XXXX has yet to remove this account from my credit report. It has been deemed as fraud and incorrectly reported as it has inaccuracies, by both XXXX AND XXXX. I've contacted comenity bank and XXXX XXXX over the phone and they have basically changed the accounts number and balance multiple times as if that would be legal on anyones account. And they've told me due to this fraud account being in their system for at least 2 years, they cant manually remove it and i must reach out to the credit bureaus for removal. Which i did, Both XXXX and XXXX have removed it, only XXXX has been non-compliant and very unprofessional in regards to honoring my credit rights under FCRA. XXXX has taken it upon themselves to unlawfully report false information on my credit report and I'm going to file every possible complaint every where until they fix this error. 

XX/XX/2021 XXXX PACIFIC COAST TIME, ON A 41MIN PHONE CALL, I LAST SPOKE TO A LADY NAMED 'XXXX ' AT THE OHIO LOCATION OF COMENITYBANK/VICTORIA SECRET, SHE'S FROM THE INVESTIGATIONS DEPARTMENT. SHE TOLD ME WHAT I SAID ABOVE^
Consumer complaint received 2021-01-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Even though I have been sending, and company acknowledging my receipt of, a loan modification application since XX/XX/XXXX, they just now are saying it was assigned to underwriting on XX/XX/XXXX. Now all 3 of my unpaid months are being reported as late all the time they have been in receipt of my application. No response to ANY emails ... how can a company just ignore people like that? When they " reach out '' to us it's an automated message telling us to call back ... to be on hold for more than an hour just for them to ask for money but no answers to the loan modification. This is the worst loan servicing agency I have ever dealt with.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I I was recently approved for a pre- owned car loan from Bank of America XXXX 
I made my first payment on XX/XX/XXXX, the payment was due on XX/XX/XXXX. 
I noticed on XX/XX/XXXX the payment had not yet been applied. I contacted the bank and the informed me they had not yet received my payment. I made a payment with them on the phone, to ensure that I was not delinquent. 
I contacted them a few days later that they had received my original payment, and they were untruthful to garner an additional payment, with the threat that they would repossess the car, through no fault of mine. 
I have contacted their Escalation/Resolution Dept, and they informed me the additional payment would be credited to my Checking account on XX/XX/XXXX. They did not credit my account on the promised date, when I contacted them last week they informed me they were not sure when it would be credited. 
They are purposefully delaying applying the payment to garner additional revenue by charging late fees, penalties, interest and surcharges. 
This is unethical, immoral- and Fraudulent.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has defamed my character, reported incorrect information on my credit reports without validating the debt and garnished my wages with a faulty lawsuit. They have violated quite a few of my rights pursuant of the 15 USC 1692.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

RentRecovery Solutions continues to harass me in an attempt to collect a debt that I do not owe. I never lived at the location, signed a lease agreement, or signed any agreement stating that I would pay this debt. I have repeatedly informed them of this in writing, but they continue to harass me and report this incorrect information on my credit report and it is harming my ability to obtain credit.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I requested Mr. Cooper provide a full accounting for all payments for 2020. I received a reply dated XX/XX/2020, The cover letter stated that on XX/XX/2020, payments on my account were reversed back to XX/XX/2020 to update the interest rate effective XX/XX/2020 to 1.625 %. The effective rate shown on my XXXX and XXXX statements were 1.75 % which is the same rate on the monthly ARM notices I received for those months. 

The reversal and reapplication of my XX/XX/2020 payment resulted in a higher balance. If the reversal and reapplication of my payments is due to a lower interest rate, then less interest would have been the result and more toward principal and a lower ending balance. Their reversal and reapplication of all subsequent payments for the year resulted in what I believe to be an overcharge of {$31.00} in year to date interest.
Consumer complaint received 2020-03-10
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. (KS)

My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and XXXX.