davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Solutions, Inc. (SC)

This company is sending me false documents. The letters have the exact contact information and pretty much the same letter but they changed name to original creditor on the NOTICE of INTENT. Also, they stating I have not dispute and I have confirmation that they did receive my disputing letter. I also called XXXX XXXX XXXX and they are unaware of this letter. If these accounts is not deleted IMMEDIATELY from all XXXX credit bureaus, I will file a lawsuit! 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Consumer complaint received 2020-02-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$300.00}, {$1000.00}, {$700.00}, {$1100.00}, {$510.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

4. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I experienced a financial windfall after my first year of college, and wanted to repay the unsubsidised federal loan that I had taken out, before it started accruing interest. When I went to the student aid website, I learned that my loan was handled by a loan servicer, and that I could n't make payments directly, but I had no way of knowing what company that servicer was, or how to begin repayment. Navient, my student loan servicer, sent me a letter of introduction over 6 months later, and informed me I had already accrued over {$250.00} interest on my loan - even though I had no way to pay it back before they contacted me.
Consumer complaint received 2019-06-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TN)

My husband passed who was a veteran and I tried to get mortgage assistance to lower my mortgage payment. Round point my mortgage servicer refused to help me with lowering my mortgage payment. I called them a lot of time for assistance with my mortgage. I'm still living in the property and I want to keep my house. I'm elderly and need help
Consumer complaint received 2020-02-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$300.00}, {$1000.00}, {$700.00}, {$1100.00}, {$510.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citi Bank closed my account without notification. The account showed me that I was a XXXX balance and my savings was XXXX. They gave me no communication saying that they would be closing the account. They told me that I was XXXX dollars overdrawn of which I have no record of, no email, no online alert or message and no balance fluctuation online. I spoke with a supervisor who stated that he would reopen my account in 2-3 days. After 2-3 that account was not reopened and they lied to me saying that it had been more than 30 past due but in fact by their own statement " that account was overdrawn by XXXX on XXXX XXXX and closed on XXXX XXXX, which is 7 days.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (PA)

A phone number from XXXX, when I pick up a recording plays saying they are looking to talk to me, then another recorded voice come on but they make it sound like a real man, a mean man. And he threatening that if I do not call him " the case will get worse '' and " it's in my best interest that I call ''. Very loud and rude. He then give this phone number to call him XXXX and the email address https : //www.directrecoveryservices.com/. 
It's all fake and needs shut down before they get an elderly victim. 
Thanks for your help!
Consumer complaint received 2019-06-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

I received a call from Bridge Lending solutions because I was applying for alot of online loan companies because I have been having a cash flow problem, with overdraft fees and was hoping I could stop the overdraft fees by supplementing with this loan. They gave me {$500.00} on XX/XX/2019 and On XX/XX/2019, I paid them {$200.00}, then on XX/XX/2019. I paid them {$180.00} and then on XX/XX/2019 I paid them {$120.00} a total of {$500.00} and the loan amount was {$500.00} to begin with and as of today my balance on the loan is {$520.00}. I received a loan from them for {$500.00} and have paid them {$500.00}, the loan has only been active for a total of 40 days and as of todayXX/XX/2019 I still owe them {$520.00}. The way I see it I have paid my obligation to them, I could possibly see having a balance today of maybe {$120.00} if they want to charge me interest or whatever but at this point in order to get this paid off, they want an additional {$400.00} today. So that would mean a loan for {$500.00} that was taken out less than 45 days ago, has cost me a total of {$900.00}. I am just floored by this and yes I am the person that took out the loan, but I have paid them {$500.00} and I have tried to pay this off and have given them {$500.00}, I just dont understand how people can do this. This is a predatory lender and I am a victim.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/2017 a SLS representative named XXXX XXXX ( spelling may be wrong ) left me a voicemail in which she stated that I am required to have an XXXX insurance policy and to send evidence of an XXXX insurance policy. She also stated that it was Required by the State of Florida that I have an XXXX insurance policy for my condominium. This voicemail is provided in the attachment to this complaint. In addition, I believe should also have a recording of this same call given record retention requirements for loan services. 
I have requested the regulatory citation referred to by SLS. SLS has not provided me in writing any legal citation that I was required in the state of Florida to maintain an XXXX insurance policy. I am requesting that in response to this formal complaint, SLS provide a response to the following two questions : 1. Do you agree or deny that your SLS representative left me a voicemail on XX/XX/17 stating to me that an XXXX insurance policy was required by State of Florida law? 
2. Can you provide a citation from Florida law that was EFFECTIVE AT THE TIME OF OUR COMMUNICATIONS that specifically and clearly states that XXXX insurance was REQUIRED? 
Any response provided by SLS to the aforementioned questions will be insufficient. This request is simple and clear and I hope SLS can respond timely and appropriately
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (KY)

I have repeatedly told this company that I didnt open the credit card. Filed a police report and sent it to them. They wont remove it from my credit report and keep sending me letters about suing me.
Consumer complaint received 2019-06-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

Equifax and XXXX XXXX XXXX are letting thousands of dollars in XXXX XXXX XXXX XXXX bills be double billed just different prices we Equifax is wanting me to file a third dispute when after closing the first they after me calling removed one
Consumer complaint received 2018-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (FL)

XXXX County Tax collector returned my {$1600.00} to Sun Trust Bank in XXXX, FL on XX/XX/XXXX, electronically, to be returned for credit to my XXXX XXXX XXXX XXXX   account, by the same means they received it that same day. Sun Trust Bank sat on the funds for four days before sending it back to my account electronically on XX/XX/XXXX via XXXX. 
XXXX has not yet put the funds back into my XXXX XXXX XXXX XXXX account. 

( Due to my week long investigations, I have learned that XXXX XXXX XXXX uses their own software to send funds over XXXX. If this is true, Sun Trust may have used the regular XXXX  channel instead of the XXXX XXXX XXXX channel they received them on, and the funds are in limbo due to Sun Trust mishandling of them. )
Consumer complaint received 2019-06-20
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: EQUIFAX, INC. (GA)

I'm submitting this complain for your failure to comply with a proper investigation into the accounts that you are reporting. This is my second complain, You are reporting information to the public domain about me without original documents, I need you provide me with original documents, i'm requesting that the CFPB get on these bureaus case, this is my second request and their failure to provide me with handwritten signatures is a blatant violation of the law. If you can't provide me original documents then please delete these accounts immediately. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Please do a full and proper investigation on my accounts with the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for confirmation of your action. Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. Please note that I need this account corrected in order to qualify for a home loan.

If the company furnishing this account information informs you that it is reported accurately please provide me with all documents that prove the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including name, address and telephone number of the furnishers contacted. 

I also will require for purpose of discovery that all responses from your agency also be signed in ink by an officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer. 

It is my clear understating that you are required to maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on consumer is reported to be complete and up to date. Please complete your investigation within 30 days as permitted by the law and mail the results to me and if not resolved I will have no other option but to hire a law firm enforcing consumer rights under the Fair Credit Reporting Act ( FCRA ). 15 U.S.C, 1681 et seq. On my behalf to seek all possible remedies and damages associated with the Fair Credit Reporting Act ( FCRA ) laws. Please note that the Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the XXXX XXXX ) cordially XXXX XXXX
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Jackson Automotive Resources (MO)

In the beginning, when i first purchase my car my agreement was weekly payments and i agreed to that because at that time i was getting weekly pay. I fell into hardship for about a month and eventually caugh back up with payments after getting a new job, but to only find out i get paid more, but my payday went to bi weekly. I call right away and contact my car company Auto Start where i set up pay arrangement on XX/XX/XXXX with a staff member. At that time i was current, and had summit proper document. Well here on Monday the XX/XX/XXXX a auto start employee contacted letting me know i had a payment coming up and previous payment also, i said yes i no and what would be my current amount, he told me i agreed and told him friday XX/XX/19 i get paid and i pay that whole bill. Well they didn't call me tell Sat i assured them that i pay that. Amount Monday because of my direct deposit hits Monday. Anyway i call Monday to make my payment to be kept on hold for 30 min then they tell me how i dont get to get to pay bi weekly no more because the company been bought out and it goes back to the actual first agreement. Now they didn't notify me of any of these changes and now demands a higher payment that could lead me to be in repossession with them, and there saying they want take my current payment thats regularly due, and when instructed to speak to manger i get a regular complaint line with the letter heading of who im complaining too. I been with this car company going on 2 yrs and never had this problem, please help me fix this matter
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Well Fargo Bank keeps ripping me off. 

I am writing you in regarding of a check/I wrote from my XXXX program from my computer to Mr. XXXX XXXX on XX/XX/XXXX for {$130.00}. I have been using XXXX for 25 years and I have been with Wells Fargo Bank for over 30 years. This check for {$130.00} has NOT been cashed and this uncashed check is in my possession now. I advised Wells Fargo Bank that this check was uncashed and Wells Fargo Bank should put the {$130.00} back in my account. 

Wells Fargo Bank mailed me a letter dated XX/XX/XXXX stating that Wells Fargo Bank was not going to refund my money back to me and I should contact XXXX. 

This is not a XXXX problem. This is not right what Wells Fargo Bank is doing. Wells Fargo Bank have my money NOT XXXX, XXXX do not have my money. This letter from Wells Fargo Bank is enclosed. 

This IS NOT the first time this happened. The 3 other times this happened I was NOT able to get my money refunded back to me because of the inadequate investigation of Wells Fargo Bank. ALL my checks or downloaded DIRECTLY to my XXXX program on my computer from Wells Fargo Bank Website. It is virtually no way I can make a mistake. I balance my checking account just about every night. It is very shocking to wake up the next morning to see your checking account is not balance. 

Wells Fargo Bank has ripped me off in the pass for {$1800.00} about 2-5 years ago different account, XX/XX/XXXX for {$100.00} and {$50.00}. I filed a complaint with Wells Fargo Bank, no refund was issued, and now XXXX for {$130.00}. I filed a written reported/complaint with Wells Fargo Bank but no one with Wells Fargo Bank seems to have the expertise to fix the problem. Wells Fargo Bank kept transferring me to different departments when I called them.. Wells Fargo Bank fraud department called me XX/XX/XXXX and I had to explain to them this was not fraud case. 
I believe when Wells Fargo Bank mails out paper checks from my XXXX program ( not electronically transferred ) to a person, Wells Fargo Bank take the money out of my checking account BEFORE the check is presented to the bank. If the check is lost or not presented to the bank the money is already subtracted from the bank account. I believe this is what is happening in my cases. This is not right. I am a Senior Citizen XXXX years old and I need all my money to pay bills. Wells Fargo Bank have taking money out of my checking account and post the check before the checks get to the bank. If the checks do not get cashed Wells Fargo Bank do not care. This is not right what Wells Fargo Bank is doing. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2019-04-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX Re : Illegal and non-compliant modification done in XX/XX/XXXX with Wells Fargo I have placed multiple complaints with CFPB as well as directly with Wells Fargo and have not received any satisfaction or results. 

This is a very serious matter. 

Finally, after 8 years of discussions, Wells Fargo did admit and take accountability for errors on their part pertaining to my modification. Back in XX/XX/XXXX, Wells Fargo wrongfully denied me the HAMP and gave me an in house modification some what similar. They admitted this finally around XX/XX/XXXX. However, since admitting this, they failed to completely rectify their errors and make financial compensation to me. The only compensation Wells Fargo provided was a XXXX bonus they legally are required to provide when payments are done timely for HAMP. That was given to me. However, once given it was withdrawn and payments were played around with. Mortgage payments afterward were not credited and I received a foreclosure letter. When I called, Wells Fargo informed me that was an error and I never should have received such. They blamed it on them trying to correct my account. There was no need for nor ever a need to not credit payments and apply amounts of money different than what was agreed to in the amoritization table I agreed to in the contract I signed. 

These are illegal practices. 

My concerns are the following which Wells Fargo fails to correct : 1 ) My modification was not closed as the contract stipulates after the 3 month trial period which is a breach. 
2 ) Modification was not closed for a year. 
3 ) Monies placed on the back end of my mortgage upon closing is wrong and has to be removed because the money should have fallen off upon closing. This is an error. It is not due to an escrow shortage, no payments are due, and no back monies are owed. This is from the year the modification was being processed all differences in payments were added on to the back end and this is wrong. The mortgage payments are not suppose to be added on and there was no escrow shortage. It was all included in the modification payments. Please refund me this amount that was added on wrongfully to my mortgage upon closing. 
4 ) Payments were not done according to the amortization table I agreed to and I was never informed of this change. 
5 ) Escrow- when this changes I am suppose to be informed of such prior to it and I was not informed with in the legal timelines of the changes. It was awful. Wells Fargo increased it up to almost 800 dollars a month and refused to listen to me that it is not correct. 
6 ) The interest from carrying a higher balance due to not receiving the XXXX payment till late was never refunded back to me. 

There are additional violations however my main concern is the XXXX wrongfully added onto my mortgage balance upon closing which has to be addressed honestly and competently. 

XXXX XXXX