davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MI)

Third time this year I have XXXX loans XXXX and XXXX, I mail in {$75.00} each month to them. They will not let me see it online, or mail a invoice to me, cant get the balance without calling and transfered around. I mailed these in last month XXXX money orders XXXX XXXX XXXX XXXX and XXXX XXXX sent in USPS picked up Saturday XXXX/XXXX/2016 and the XXXX loan was processed on the XXXX of XXXX. The loan XXXX money order from XXXX XXXX was processed on the XXXX. XXXX are mailed same time, same address. Yet Discover Student Loans says they NEVER got the money order for loan XXXX and I am late. Third time this year on this exact loan XXXX, same thing mailed, processed at XXXX XXXX later by days and they claim they never got the money order. 

I called they told me " a lot of illegal things happen these days in the world '' while talking to the rep in XXXX XXXX XXXX, UT on Sunday. 

To which I asked how a money order mailed to them, made out ot them made out to a set account number and loan number WITH a letter made out with the instrucitons for a THIRD time on XXXX loan of XXXX loans total with them is the ONLY XXXX having this issue. That maybe someone else processed it, aka not Discover. 
Well its their office, its a pattern now, and its illegal for anyone else to be able to process that money order made out to them that is now processed on teh XXXX and not yet on the books. 

This morning I check and the payment online history shows that I now didnt pay XXXX but on the XXXX I paid that to XXXX XXXX. So whats going on here! Where is the {$75.00} they took and is processed to them.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX # XXXXThis collection agency is collecting for XXXX, which they bought the debt from. Enclosed is a letter and an invoice from them, which they are saying is enough to verify and validate the debt under 15 USC sec. 1692g. THE LETTER AND INVOICE IS NOT VERIFICATION AND VALIDATION. THIS ACCOUNT WAS ESTABLISHED THROUGH ID THEFT AND FRAUD AND I NEVER HAD AN ACCOUNT WITH XXXX. I ASKED THEM FOR 2 YEARS NOW FOR A COPY OF THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT AND THEY CAN NOT PROVIDE THIS INFORMATION AS EVINCED BY THE ENCLOSED LETTER. I never had an account with XXXX and this account is also re-aged and reinserted as it was removed before.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

UNAUTHORIZED CREDIT INQUIRIES ON 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

please find attached the documents and my dispute letter for XXXX of my fed loan accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

XXXX. I have been a loyal Chase customer since XXXX, adhering scrupulously to all regulations and rules without any violations. However, on XX/XX/XXXX, I was unexpectedly informed by Chase that my account would be forcibly closed. The notice was discourteously brief, prohibiting any inquiries about the reasons or potential resolutions for this action. Despite assurances that a refund check for the full account balance would be mailed by XX/XX/XXXX, I have yet to receive any funds or further explanations. 
XXXX. It has been nearly XXXX months since the incident, and repeated attempts to resolve this matter have been met with poor customer service and continual evasion by your staff. Every inquiry remains unanswered, leaving me without any justification or resolution. 
XXXX. Immediately following the closure notification, I consulted a manager at a local branch, who, after reviewing my account details, confirmed that there were no suspicious activities associated with my account. This manager also reassured me that all funds would be returned via check on the promised date ( XX/XX/XXXX ). Despite numerous follow-ups from myself and manager with the bank, I have been repeatedly met with rude assertions that the account is being held legally without cause, and disturbingly, there is no indication of when the funds might be released.

4. I am profoundly distressed and angered by this situation. The banks actions constitute a severe breach of consumer rights, and I suspect deliberate delays and potentially improper use of client funds. I possess compelling evidence from the onset of this issue. Should the funds not be promptly returned following this complaint, I am prepared to take all necessary legal actions against Chase Bank.

5. I demand immediate action to rectify this situation, including a detailed explanation and the swift return of my funds.
Consumer complaint received 2016-09-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY ()

Wells Fargo refuses to increase my daily ATM withdrawal from {$310.00} to {$1000.00}. I am in XXXX for work and unable to pay bills in a timely fashion with cash. There is plenty of money available but they want their fees. Disgusting company.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I have two issues with a recent escrow analysis on my account that is causing my monthly payment to go up by {$800.00}. 

1. I requested that recent overage check ( issued XX/XX/23 ) be cancelled. I have not cashed this check and mailed in a response four weeks ago requesting that the check be cancelled and be refunded to my escrow account. I have received no action or response to my request. 

2. I have called the tax department of Freedom over four times in the past week and no one answers the phone. I requested call backs, but have not received a call back. The most recent ( XX/XX/23 ) escrow analysis says I make semi-annual payments of {$4700.00}. However, I make an annual payment of {$4700.00} for my taxes. This makes it seem as if I owe more in taxes than I do. 

This is urgent as I can not afford an additional {$800.00} per month in my mortgage.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NC)

On  XXXX / XXXX / XXXX , I discovered that a collection has appeared on my   XXXX   credit report. I have no idea what the collection pertains to.     The collection shows the amount of {$100.00} and an original date of  XXXX   XXXX . However, no account number, contact telephone number, or contact address is available. If I am responsible for the alleged debt, I should have been notified by letter of the existence of a collection. However, to date, I have not received prior notice of a collection account. Therefore, I have never had the right and opportunity to dispute the validity of the alleged debt.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a collection account on my credit file from  XXXX ,   XXXX    XXXX   XXXX , that has recently been paid in full.     Equifax has this account listed on my credit file twice, same account number, same debt amount, same dates. As I stated, I have paid this debt off recently, and disputed the entries with the Equifax, and pointed out that the entries are duplicate, which both are reported directly from the original creditor. This has been going on sin ce 2013.      I have brought this matter to the creditor, they act like I do n't know what I am talking about. I have disputed the account formally with Equifax, and they continue to " reinvestigate '', then only days later claim the information is reported accurately. I have repeatedly requested the accounts to be deleted from my file since they have been paid in full, which I retain receipt of. I keep getting the run around.     In summary, Equifax is listing the same account twice from the same creditor, as if I had  XXXX  accounts with the creditor. They will not delete  XXXX  and update the other to reflect as paid with a {$0.00} balance, the original creditor says they are ok to have the files deleted since it has been paid, but they claim it is up to Equifax to do so. When questioning Equifax, they claim that the creditor must submit for deletion.     Please help, I am being damaged twice for the same paid account! How can this be legal!? My score is significantly lower than what it should be if properly reported. I now want   XXXX   accounts deleted, as the debt is no longer valid.
Consumer complaint received 2015-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

For over a year now Navient has locked me out of their website so I could not see how my payments were being allocated. I have been making bi-weekly payments to Navient for sometime with the understanding that doing so would lessen the impact of daily accrued interest and thus reduce the principal because payments would be allocated accordingly. Back in XXXX I sent a letter to Navient asking how payments were allocated and true to form they are maximizing fees. Rather than applying my payments to the loan group they resposnded by saying they have the ability to apply accross multiple groups. So in my case on loan has an interest rate of 5.75 % XXXX V ) and the other 9.75 % XXXX V ). I have been paying more on the 9.75 % ( V ) loan but to my amazement when I logged in to view my account after it being unlocked you can see that essentially all the funds I 've sent to Navient have gone to interest only and basically none to principal. This now explains why my loan has been amoritizing negatively and the balance continues to GROW! Navient is of no help in getting payments re-allocated nor do they have any incentive to help those of us who are actively paying on our accounts. Those in my situtation have no outlet and are at the mercy of this horrific treatment and servicing.
Consumer complaint received 2020-09-11
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. (NY)

OnXX/XX/XXXXReport Number XXXX was generated by Experian about XXXX XXXX   XXXX. They deleted the account due to Fraud and inaccurate information. The company XXXX XXXX XXXX then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted experian and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership EXPERIAN has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop EXPERIAN and XXXX XXXX XXXX from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.
Consumer complaint received 2015-05-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I bought a vehicle in XXXX, Georgia in XXXX. Wells Fargo financed the vehicle, and they used a recording to my school where I worked to call me, as well as my cell phone. The recording would call me each morning and sometimes during my lunch time at work. Co-workers who answered the phone would tell me Wells Fargo called or my co-worker would leave notes in my mailbox to let me know Wells Fargo called me. Whenever, I was late on a payment, they called and threatened me, saying, that they would come to my job to get my vehicle. This would cause me undue emotional stress. I paid Wells Fargo XXXX payments plus {$5.00}, XXXX over the amount I owed. XXXX they called during my lunch break and I talked with them I became sick in which my XXXX XXXX shot up so high, I had to be taken to the hospital. I stayed in the hospital for several days, doctors tried to get my XXXX. My doctor asked me if I was worrying about something. I was too embarrassed to say what had just happened. I have never received my title and have not received any correspondence from the last letter I sent them dated XXXX XXXX, XXXX. I have all of my documentation of letters, and payments that I have sent them over the years. I also hired an attorney in XXXX XXXX, and he has not been able to get my Title. I have had undue stress concerning this situation for over the past several years. Please help!
Consumer complaint received 2015-04-12
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: CITIBANK, N.A. (CA)

I had a prepaid XXXX card issued to me as incentive from XXXX to purchase their services. I the card was issued by Citi. I never used the card and infact lost it but I recently found a document with the account number and credit amount. 

I contacted the issuer Citi and spoke to several individuals who reported that the card had expired as of XXXX and the unused balance was surrendered as fees ( {$180.00} ). 

They would not re-issue a card. The last individual I spoke with told me that the card was issued in Pennsylvania so for some reason the Credit Card Accountability Responsibility and Disclosure Act did not apply to them. I 'm told that it is clearly in the terms and conditions for the use of the card. 

This seems entirely unreasonable and if it is n't illegal, as far as I 'm concerned it should be. 

I am interested in learning more about this law and filing a complaint.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

UNAUTHORIZED CREDIT INQUIRIES ON 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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: WHEELS FINANCIAL GROUP, LLC. (IL)

I sent a debt validation letter to XXXX XXXX  under XXXX the amount of the alleged debt is diffrent than the amount that XXXX XXXX is reporting to the reporting agencies In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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
Consumer complaint received 2024-03-27
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)

AS STATED ON MY CREDIT REPORT ( REMEDYING THE EFFECTS OF IDENTITY THEFT, ( Page 30 OF 34 # 4-6 ) FROM THE CREDIT REPORTING AGENCIES IT STATES THAT I CAN REQUEST FOR INFORMATION INVOLVED IN IDENTITY THEFT TO BE BLOCKED FROM BEING REPORTED. I AM EXERCISING MY RIGHT TO BLOCK THESE ID THEFT REPORTED ACCOUNTS LISTED. I ATTEMPTED TO REMEDY THIS YEARS AGO BUT WAS IGNORED BY THE CREDIT REPORTING AGENCIES ( EXPERIAN, XXXX ) ( 15 USC 1681 A-AI ) TRANSACTIONS OR EXPERIENCES THAT SHOULD NOT BE INCLUDED ON A CONSUMER REPORT. 
( 15 USC 68 0 2 ) RESPECT TO DISCLOSURE OF PERSONAL INFORMATION EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX I DO NOT WANT THESE ACCOUNTS ON MY CONSUMER REPORT, AND I AM EXERCISING MY RIGHTS UNDER THE FCRA, THAT I DEMAND TO HAVE THESE ACCOUNTS BLOCKED FROM REPORTING ON XXXX, EXPERIAN, AND XXXX IMMEDIATELY. PLEASE REMOVE EFFECTIVE IMMEDIATELY XXXX
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (LA)

They called and I called them back and have not heard from them since. They transferred my accounts to a company that has a worst standing then they do and I 'm not happy. When I called the new company XXXX they told me ASC transferred XXXX account which is my XXXX. My XXXX has been written off and I was paying my monthly mortgage and I 'm continuing to pay it monthly. I ca n't refinance my mortgage because they wrote off my XXXX and I was paying, they were holding my payments for two months and when I called them to say why are not posting my payments, they kept giving me the runaround, like they are doing with you by not giving you an answer why they wrote off my account. 
Wellsfargo/ASC are crooks and I want my XXXX in good standing so I can refinance. 

In progress Response We 've been unable to establish contact with our customer, XXXX XXXX. We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research.
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

My wife and I recently signed up for the US Bank XXXX XXXX credit card. The credit card is suppose to come with a XXXX night free award night after paying the {$75.00} annual fee. Well, 1 month after paying my annual fee on my card and my wife 's card XXXX XXXX ended the XXXX night free award without any notice at all. They are not honoring the terms that we signed up for! I am supposed to get XXXX night free with the card per agreement after paying the {$75.00} fee. The agreement we signed up for clearly says that XXXX night free award after paying the {$75.00} annual fee. They have to live up to their terms & conditions here!
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

Every payment had late fees added to the statement. Even though I was never late on those payments. 
Spoke to an agent and he was answering my question with questions and could not be upfront on why I was getting different amounts of late fees every month
Consumer complaint received 2020-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX  XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (SC)

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX I am a XXXX  member of the XXXX XXXX, I am a 100 % XXXX XXXX. I joined the XXXX XXXX XX/XX/XXXX retired XX/XX/XXXX. I remained domiciled in XXXX XXXX  My DOB : XX/XX/XXXX I do not owe this money. I have not committed bankruptcy. 
The post card states : Between XX/XX/XXXX and today. 
I lived in the XXXX XXXX XXXX XXXX as of XX/XX/XXXX. 
The Statue of Limitations in South Carolina is three years. The Statute Limitations for this type of debt is three years. The notice states that I can not be sued. The collectors threaten to report this to " the credit beaus if I do not pay them. 
This is attempted extortion, they have crossed state line in an attempt to extort funds across state lines. They have contacted me digitally across state lines in this attempt at extortion. They have committed a RICO violation. Thank you.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (CO)

This company is attempting to collect a debt that is not mine. It was from an apartment complex where I was never on the lease and did not live there. I 've asked for them to send proof that the debt is mine but they never have.