davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WINN LAW GROUP, APC (CA)

The attorney has engaged is unfair and deceptive practices in violation of FDCPA in his actions related to the attempted collection of a credit card debt which his firm bought from another agency. 
The debt is time barred, and as such can not be used as grounds for legal action. 
This attorney referenced an entry of judgement for which I was not aware nor properly notified nor properly served. 
In my attempt to resolve the debt in good faith, I provided financial information as a means to establishing a repayment plan. The attorney represented that they would cooperate with me in arriving at resolution. 
Instead, the attorney, without due notice levied my personal bank accounts. 
With the difficulty I have encountered in making contact with this attorney and his firm via phone, email, and correspondence via mail, I have not been given sufficient opportunity to communicate effectively nor has the attorney been forthright in their communication with me. 
My demand is that this attorney immediately be order to cease and desist all and any actions against me in the matter of collecting a debt, and be investigated by your office for disciplinary action.
Consumer complaint received 2022-12-26
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (TX)

I have submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries. Nothing has been done to correct the erroneous reporting.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo is failing to properly itemize my balance transfer ( s ) on my billing statement. 

If you review my account history, you will see that the entire amount of the balance on my card is in balance transfers. There is a {$2900.00} balance remaining. The statement reflects my balance transfer promotional rate will end XX/XX/XXXX,  and the remaining balance is $ XXXX.The problem is the remainder of the balance is not itemized on the statement. 

I spoke to two representatives onXX/XX/XXXX. The first representative advised me the remainder of the balance would expire XX/XX/XXXX. This promotional expiration date for the balance transfer as well as the balance is listed nowhere on the statement. I finally asked to be transferred to a supervisor because she didn't seem to understand my problem with the statement. The supervisor I spoke to was XXXX. He also didn't seem to have a clear understanding of the problem on the account. He stated someone from their executive team would contact me regarding the problem, but I advised XXXX that I planned on filing a complaint with the CFPB, because clearly the statement should accurately inform customers when his or her balance transfer is expiring in order to better prepare the customer for the interest that will begin to accrue. My recent statement is attached to this complaint.
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

From my western union account money was transferred to the unknown person in XXXX. I have raised a complaint with western union, they created a case # XXXX and told me file a complaint through bureau using the provided case number. This was happened in XXXX. I Just have the name of the person and bank account number in my western union account and did not have a correct address of the person. 

I have already blocked my western union account for further transactions.
Consumer complaint received 2020-01-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

I have 12 student loans that are serviced by Navient. On my credit report it shows 90 days late for 12 accounts. As you can imagine this has very adversely effected my credit score and future endeavors. It shows 90 days late in XXXX, XXXX and XXXX of XXXX. These payments were to have been in " in school deferral '' as I was enrolled in XXXX  XXXX University at XXXX and also accepted into XXXX  College finishing my XXXX certificate. There was not a 6 month lapse in my enrollment during any of these transfers. I finished one semester in XXXX of XXXX ( attached statement for the classes ) and was enrolled in XXXX College to pursue my XXXX XXXX by XXXX of XXXX. I have contacted this company several times in XXXX ( XXXX, XXXX and again in XXXX ) and also in XXXX of XXXX concerning this matter. These should not be reported as late pays on my credit report, I was enrolled in school and also well within the 6 month deferral period before I was transferred. I asked for these to be removed and sent requests via dispute the credit agencies, but yet nothing was done and these are currently very adversely effecting my credit score. The agency when I was done with school ( between my bachelors and certification, and also the year I took off to have my son ) would push me into deferrals when I was attempting to do an IBR plan so that I could begin making headway on this debt and after several attempts I am now in an IBR plan. I request again that these negative reports are removed from my credit report on ALL 12 accounts. I do have dated acceptance letters from the college ( XX/XX/XXXX for XXXX and XX/XX/XXXX for acceptance into the fast track program at XXXX College ) I also have a statement dated XX/XX/XXXX for the payment of my fall semester ( XX/XX/XXXX-XX/XX/XXXX ) to XXXX. 

I request that this be removed from my credit report as late pays and adjusted as current for these time periods as accordingly to the facts of the matter. I also request that any late fees be adjusted to the loans for this time period. As stated I requested IBR for several years as to get started on payment of these loans and was told to do deferral instead, and now I am five years after first requesting it in an IBR plan and when running my credit for a home purchase discover these late pays that were incorrectly reported and again are VERY adversely effecting my credit score and future. 

Thank you so much for an assistance in this matter and please let me know if I need to forward any of the information.
Consumer complaint received 2023-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

XXXX  aka XXXX XXXX XXXX , XXXX, called my father and left threatening messages and where I was about a student loan serviced by Navient. The person really upset my father, as not only did he know where I was, he was being called and threatened. My father is willing to make a statement about the constant phone calls threatening him and I. I got the number of the XXXX collector, and he told me I had to pay {$18000.00}, with a total due of {$19000.00}. I was at the time homeless and in XXXX  with the Veterans Administration. I had also applied for Federal Loan Forgiveness, ( XXXX Discharge ) and it was approved. I negotiated two payments of {$3200.00}, ( {$6500.00} ) which was debited from my savings by Navient not XXXX. This was all a shady collection tactic because I believe they knew that Navient was about to forgive all of my private loans once they were contacted by XXXX ( XXXX XXXX XXXX  ) & The Dept. of Veteran Affairs. I think that XXXX  new this was the case but still took the money which is unfair. My father is still traumatized by the nasty collections tactics they did, in which nasty and threatening conversations were threatened towards me via my Father and directed at my Father, with threats that if he is harboring me then he is liable. I was getting treatment for XXXX and XXXX XXXX from Military XXXX XXXX ( XXXX ). ALL other Navient Private Loans were forgiven as soon as they were contacted by XXXX that I was awarded a XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and Navient was also contacted by the Department of Veteran Affairs. I was homeless and then at the VA 's Domiciliary at the time. I spent 21 years intermittently homeless due to untreated XXXX from Military XXXX XXXX.
Consumer complaint received 2020-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (TN)

I was under the impression that if I made 3 years of consecutive payments to Ameritech, my student loan would then be forgiven. Ameritech never paid on my student loan, instead put it in deferment. Ameritech kept my money. I was paying XXXX a month for 24 months before I found out what was going on. {$9100.00} was just thrown away. It is not fair. I can get bank statements of where I paid them each month.
Consumer complaint received 2023-07-20
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: DISCOVER BANK (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TX)

XXXX, XXXX doing business as XXXX is continuing to report I owe a debt that is discharged. XXXX, XXXX accepted payment of this debt obligation and as the indenture trustee JP Morgan Chase Bank, N.A., had the duty in ensuring my security was properly handled. Under the Securities Act XXXX, XXXX and JP Morgan Chase Bank N.A. or both in violation of federal law in the handling of securities.
Consumer complaint received 2023-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized sent terms for home preservation. 

1. Send approximately {$36000.00}. - Sent via wire transfer on XX/XX/23. Notified account manager. 
2. Send a wet signature. - Sent via XXXX on XX/XX/23 XXXX. Monthly payment of XXXX - Sent via XXXX XXXX XXXX on XX/XX/23 and was returned on XX/XX/23. The day before the payment was due.
Consumer complaint received 2023-11-28
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MO)

To Whom It May Concern, On XX/XX/XXXX I was provided a contact for a loan at 7.125 % with no points pay down, a loan origination fee of ~ {$1500.00} and a rate lock fee ~ {$500.00} which included the appraisal fee. XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX, NMLS ID # XXXX provided me this contract and I signed it on XX/XX/XXXX. Offically entering into an agreement with Freedom Mortgage. 

I used this information to make decisions to sell my home, to buy another home and to pick closing dates. Also, based on the agreed upon rates and fees I made decisions not to shop this loan as it was a great deal. 

On XX/XX/XXXX, 6 days before we are supposed to close we received a closing disclosure that had a rate buy down fee of {$5400.00}, and an appraisal fee of {$250.00}. These fees were not in the original agreement. We believe this was done intentionally to force us into an unfair position essentially forcing us to choose to either agree to the extra loan cost or risk being sued by the sellers of the new home for breach of contract. Also, by not agreeing to these new extra costs we are being forced to find temporary housing while we seek a loan with lower costs. 

For resolution : We would like to continue to do business with a freedom mortgage at the original agreed upon rates and fee schedule which included no rate buy down fees and no appraisal fees. We also request Freedom Mortgage to pay any cost associated with temporary housing as a result of us needing to now shop this loan resulting in an extended closing date. We also request freedom to pay attorney fees and cost associated with lawsuits from 3rd parties that XXXX result in our inability to close on the home that we were going to purchase at XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (OH)

I purchased my vehicle on XX/XX/23. It was financed through Global Lending Services. My payments were due on the XXXX of every month starting on XX/XX/23. I made all of my payments early on XX/XX/23, XX/XX/23 and XX/XX/23. My vehicle was hit by another driver on XX/XX/23. The other drivers insurance company informed me on XX/XX/23 that they were totaling the vehicle. They told me they requested a 10-day payoff amount from Global Lending that same day. My next payment was due on XX/XX/23. Per Global Lendings website, You are allowed one due date change during the life of the contract. The account must be current with a minimum of one full payment posted and the new due date can not exceed 14 days from the original due date. I called Global Lending on XX/XX/23 and asked to change my due date to XX/XX/23 as I had met the qualifications of my account being current and had 3 full payments posted. This would allow time for them to receive the payoff from the insurance company. They refused to change the due date. I explained the situation. I was informed that I would have to continue making payments for up to 60 days while they dealt with Gap insurance. I informed them that there was no Gap insurance involvement as the insurance company was paying off the loan in full. I did not pay the payment that was due on XX/XX/23 because I knew the insurance company was sending payment in full. The insurance company sent payment on XX/XX/23. I have the tracking information from XXXX  that shows that payment was received inside their office on XX/XX/23. Global Lending has not yet applied this payment to my account. They keep harassing me via phone, email and text message demanding payment. They continue to add late fees to my account. I believe this violates the Fair Debt Collection Practices Act. Every time Global Lending contacts me, I have told them that the insurance company sent payment in full on XX/XX/23 and there is no Gap insurance involvement. They continue to tell me that I need to keep making my monthly payments for up to 60 days.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and XXXX XXXX CT XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX Ido not have any association with these addresses they need to be deleted/remove from my file.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Ive been approached by Portfolio Recovery Assoiciates, LLC multiple times regarding 4 debt collection accounts that all pass the statue of limitations and expired. They keep reaching out to me to collect the debt. I have been sending letter and disputing it with XXXX XXXX XXXX XXXX to get it removed on my credit report but nothing. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My mortgage with XXXX XXXX  was paid in full on XX/XX/2020. I have the documents to prove this from both the bank and XXXX XXXX clerk. I submitted a dispute through Experian on XX/XX/2020. The dispute came back as complete, but it still does not show the account paid in full.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TN)

XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2022 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX On XX/XX/2022, I made several purchase one being in the amount of {$240.00} from XXXX. 
On XX/XX/2022 all purchase made for or on XX/XX/2022 had posted to my PNC bank account resulting in my account balance being {$28.00}. 
On XX/XX/2022, I received two notification from PNC bank stating that my account balance was below its amount and my account balance was at {$18.00} than I received another notification from PNC bank stating my account new balance is {$270.00}. 
When I accessed my account from my desktop I noticed now the amount for {$240.00} was nowhere to be found and when I used the feature offered by PNC bank to locate the amount and date, the PNC account told me the amount was nowhere to be found. 



Than on XXXX XXXX I was notified my account was - {$220.00}. 
Upon review of my account I noticed that another merchant had taken out XXXX and my PNC account had been re-debited again for the amount of {$240.00} from XXXX merchant on the same day. 
I immediately reached out to PNC bank the morning of XX/XX/2022, spoke to a representative who told me they would escalate the call to a supervisor. 
On the evening of XX/XX/2022 I spoke with a supervisor who told me that the XXXX merchant had withheld the funds and thats why they posted on the XXXX instead of earlier in the week. She also told me that my account was set-up for overdraft protection. Which is why another merchant was able to take the funds out of my account. 
Last, the supervisor insisted that another merchants payment was the reason my account was overdrawn. I explained to the supervisor that, this was not true as I saw the posted payment for XXXX in the amount of {$240.00} on my account on the XXXX along with other purchased made on the same date of the XXXX. 
I also explained that I had never had this issue with this particular merchant before. The supervisor insisted that the reason my account was overdrawn was due to insufficient funds for XXXX XXXX XXXX merchant in the amount of {$250.00}. 
I explained to the supervisor that this was an error on the bank and that I disagreed with what she was saying as I took photos of my account, because I knew an error had been made. The supervisor told me that I would accrual overdraft fees after the third day if I was unable to pay the XXXX XXXX  in full. 
I told her that was impossible given I get paid bi- weekly and why was I being held accountable for a bank error. Upon disconnecting the call I received multiple messages from PNC bank stating that my account was over drawn due to the merchant XXXX in the amount of {$240.00}. 
I am seeking restitution for this error on the banks end. I would like all fees and the account to be XXXX so, that I may discontinue my services with PNC Bank.