davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I received the house at issue in my divorce and have been paying for it exclusively since XX/XX/XXXX. In XX/XX/XXXX, my ex husband declared bankruptcy. Roundpoint Mortgage Servicing has refused to communicate with me about the loan - the amount due, the pay off amount and timeliness of payments. My ex-husband 's bankruptcy was discharged XX/XX/XXXX and it has been closed since XX/XX/XXXX, and still Roundpoint has refused to provide to me any information regarding the loan, despite numerous telephone calls and letters
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

There was XXXX {$5.00} charges on XXXX XXXX, 2015, then on that day I transferred funds to my other bank account removing {$120.00} instead of {$20.00}. I expect that my mistake would cost {$35.00} for the one problem however at close of day although the XXXX {$5.00} XXXX purchases were a small amount and there where plenty of funds to cover both, the {$120.00} was processed first to ensure XXXX chargers of {$35.00}. That is over {$100.00} fees for one mistake. The bank, knowing I have had issues in the past feel they can not make an exception. I do not feel this is a fair way to do business,
Consumer complaint received 2017-02-09
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

I opened an online account with Western Union ( westernunion.com ) on XX/XX/2017, I processed a money transfer charged to my credit card ending with -XXXX of the amount of {$500.00} to the country of XXXX to my brother, Western Union charged a transfer fee that I greed to of {$42.00}. Then they charged another {$27.00}. The transaction remained on hold for a few days. I called customer care in XXXX and talked to several people over several days ( one example is XXXX operator ID # XXXX ), they informed me that my they need a photo ID of mine and a report on the recipient ( relationship, occupation, father 's name, why I am sending money ), they said they may ask me for more ID information. I was not comfortable providing all this personal information so I asked for the transaction to be cancelled and money refunded to my credit card, they said that money will be on hold indefinitely unless I provide the information they asked for. THIS IS OUTRAGEOUS AND VERY FRUSTRATING..!! The money id still on hold with no refund or cancellation. Please assist
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-11
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (OH)

I have an account with comenity XXXX, the company closed the account XX/XX/XXXX, so paying my account off by making payments on XX/XX/XXXX was my do date I was late, trying get the money together to pay the account off and that what I did I received a late payment fee which I knew that going to happen, so I call to ask if they would remove it because I wouldn't and can not pay for the late fee, the balance was XXXX and that's what paid because I know I would not the money to keep making payments so paid the balance they told since my account was close they couldn't remove late fee but they can add interest on the late fee and add a late fee for a none pay on the late fee just want to move on I don't have to paid
Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (AL)

My husband was transitioning into a new job and the car payment was simply forgotten. I was contacted about my payment and made the payment immediately. I had confirmation from the person that I spoke with that it would not be shown as a late payment and it would n't hurt my credit. This is hurting my credit and it is not benefiting me as a consumer. I really need this removed.
Consumer complaint received 2015-08-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (TX)

I sent in payment for my car loan in XXXX 2012. American Honda still chooses to claim it was charged off. I paid it not charge off which is on my credit report. That needs to be changed. I have the title hence I paid it. Think they are angry because they wanted the car to sell to make more money.
Consumer complaint received 2016-03-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

I agreed to have an ach payment from my checking account on XX/XX/XXXX and they drafted the payment on XX/XX/XXXX which caused my account to become negative i sent screenshots to them and they said they would take care of it, I adviced them because of there mistake and the ripple effect of other bills taken out of the same account that i needed sometime to get my affairs back in order. They harrassed me about the payment and asked have i ever made a mistake. I then emailed them a Cease and Desist as I would be contacting a lawyer for advice. They are still calling, texting and emailing me still.I have voicemails and emails if needed
Consumer complaint received 2016-04-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NC)

PCMB company deceived my mother Monday XXXX XXXX 2016 in the XXXX. stating I left them her number to reach me at. which is a lie I spoke with them on XXXX XXXX 2016 stating I will resolve issue on Monday XX/XX/XXXX once I move money and that I will call them back. I know its against the law for debt collectors to call my mother she has nothing to do with my accounts. I think the should pay debt owed themselves to card company on my behalf for deceiving my mother which has nothing to do with this debt.
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: M&S Recovery Solutions (DC)

M & S Recovery Solutions contact me staring that they received my information from XXXX for a debit and threatened to sue me if I did n't comply with the terms I advise M & S Recovery Soultions that I have knowledge of this debt and do not call me again and the representative on the phone said well saying you have no knowledge is like saying you do n't have a brain. I told him he should not contact me again and before I could hang up he said that M & S Recovery would be sending my personal information to the credit agencies. I contacted XXXX acceptance perviously the originating company and advise that I did not apply for any credit with XXXX and a representative stated that they did n't have any information with my personal information. M & S Recovery Solutions LLC are attempting to threaten me into paying a debt that is not mine.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (AZ)

Discover Card Company... secured credit card deposit REFUND. I applied for a secured credit card by phone ( around the end of XX/XX/XXXX or beginning of XXXX, XXXX ) with several follow-up calls, and also sent info by email. The process was complicated and frustrating ; their agents each told me different answers to questions. I let them debit my checking account for {$300.00} deposit. They acknowledge the deposit. 

After I submitted the deposit, I was told to call to activate the card. I called. Only now ( after receiving my {$300.00} deposit ), did they say that they needed three months bank statements. I had moved from XXXX XXXX  to XXXX, XXXX, recently closed my checking account in XXXX, opened a new one in XXXX. Waiting for 3 months for new bank statements was longer than the amount of time they were allowing to submit the information. After so many phone calls, several requests from them for me to submit additional information, being put on many long holds, and being transferred from agent to agent, I decided during the activation process to cancel the card. It was " NEVER ACTIVATED '' and COULD NOT BE USED. I tore it up and disposed of it. They acknowledge that no charges were ever incurred by the card. 

The agent cancelled the card and said it would take 2 monthly payment cycles plus 10 days to send me a refund check that would arrived on or about XX/XX/XXXX. Later, I spoke to an agent who told me that since the card was not activated, I could receive an expedited refund in 13 days. 13 days passed. No refund came to my account or by mail. I called and was told their records showed no refund was issued, and that they would re-submit the refund request ; it would take another 13 days. 13 days passed, and no refund. I called and was told the records showed a refund was authorized ; but no action had been taken, that my conversations with approximately 12 different agents did not show in their records, and it would take another 13 days! No refund came. 

With various 'stories ', they have continually, intentionally delayed the refund ; and I am concerned it will never be refunded! After each conversation with them, my XXXX XXXX is near or over the XXXX XXXX  and I have XXXX!!! I can not deal directly with them any more. I suppose some people just give up. I believe they cheat people out of refunds and/or delay refunds to increase their " interest income ''. Can you help me to receive a prompt refund? Discover Card has my current address.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (TX)

I went into XXXX for a XXXX because I had a XXXX that required a prescription medication. I sat in the waiting room for over 4 hrs. Once I was called to see the doctor and told them specifically what I needed done they told me they could n't service me for that situation and that I would need to go to another location to be seen. I told them what I needed was only a prescription for the issue and to be seen to make sure that that is the issue because I was told by the pharmacist that in order to get that particular medicine I would have to be seen by a doctor. The doctor then told me that they would just write up a prescription for me without seeing me ( which is illegal ) and then I left. Now they are charging me XXXX for a hospital visit where I was never seen and given medicine that did n't even help the situation in which I originally went in for. I shouldnt be charged for services I did n't ask for such as an urinalysis and emergency room visit when I went in for a pap smear that couldnt be done.
Consumer complaint received 2024-01-26
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. (MI)

I am writing to have the following information removed from my credit file, the items I need deleted will be attached in a word document, I am a victim of identity theft. I have multiple accounts I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report only show accurate information. I reported the theft of my information to the the Federal Trade Commission and have enclosed copies of the report, I would like these items removed from my credit report as soon as possible. Accounts : XXXX, XXXX. XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2020-10-19
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC. (AZ)

This complaint is in reference to complaint XXXX, My initial complaint : I just learned on XXXX XXXX that Navient requested and received a hard copy of my credit report. I never authorized this transaction or requested or applied for a loan with this company. Navient continues to act recklessly, carelessly and unethically.

Navients response : The Fair Credit Reporting Act ( FCRA ) permits an existing creditor with an open account to obtain the consumers credit report for review or collection of the account. A collection agency working on behalf of the creditor is also permitted to obtain the consumers credit report. Thus, Navient and Navient XXXX as its service provider are both permitted to obtain your credit report for the purpose of collecting your outstanding debt. 

Your response describes a soft inquiry, I recognize requesting a soft copy for the purpose of collecting a dept is authorized, however Navient falsely reported that I consented to a credit check report which resulted in a hard copy request. This act has negatively impacted my credit and will remain on my credit report for two years. Navient Committed fraud and acted in an unethical manner when Navient conveyed that I provided them with consent in pulling this report. I never provided Navient with This act is illegal.
Consumer complaint received 2015-11-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

First they called me and left an unintelligible message. The next day they called my XXXX mother in another state and told her there was a warrant for my arrest. Then I called the number and was repeatedly transfered receiving different information at each step, " it was a subpoena, '' it was a " civil suit. '' Finally was transfered to " director of litigations XXXX XXXX '' who belittled, insulted, and implied they would sue me, trying to extort at least {$200.00} before I finally hung up.
Consumer complaint received 2015-11-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

On XXXX/XXXX/15 I requested Business and Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP ()

My mother passed away recently ( XX/XX/XXXX ). Upon going through her mail, I found several credit card statements to my name for credit card accounts I never opened. I have been a victim of identity theft by a family member : my mother. As hard and sad as this is to say, my mother stole my identity and racked up a large amount of debt in my name. 
On XX/XX/XXXX, I went to the XXXX Police Department and filed the corresponding police report. My mother had been a XXXX resident since XXXX. I don't even live in XXXX. I live in XXXX. I only flew up for my mother 's funeral. 
The card statements I found are the following : XXXX. US Bank XXXX XXXX, dated XX/XX/XXXX, balance due : {$13000.00} XXXX. XXXX XXXX XXXX, dated XXXX/XXXX, balance due : XXXX XXXX. XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, balance due : {$4800.00} XXXX. XXXX XXXX, dated XX/XX/XXXX, balance due : {$2600.00}
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NE)

Fell behind on mortgage with Household Finance/Beneficial and made a payment agreement. Sent the first payment of more than agreed upon, but returned to me because it did not reach them within the date claimed ( takes time for mailing! ). The agreement was made after being denied for hardship assistance with the company, which in their denial recommended I do a short-sale or whatever, basically to get out. During this time I received several confusing correspondences within days of one another stating, thanks for the agreement, we want to help, etc. HUD does not assist on this company 's mortgages and HFC has a growing number of complaints nationwide on how they are taking back homes without working with consumers. I am one of them! Interesting that with 3 months of payments behind ( {$700.00} check sent back today ) that their interest in taking my home coincides with the neighborhood being deemed 'historic ', perhaps making this more valuable. Anyway, I am able to catch up over the next 4 to 6 months, but the company is claiming 'default ' and apparently about to start foreclosure. Our circumstance happened due to medical bills for XXXX and a garnishment I am resolving on my paycheck creating a better debt to income ratio within 30 days. HFC Beneficial has thousands of complaints listed online for foreclosures and difficult to work with. I am a witness and victim. Do NOT want to lose this home even though seems impossible to gain equity. Also they refuse partial payments, holding any payments sent in advance of a payment due without interest thus increasing the amount of interest owed - they apparently just hold it in escrow without applying any portion to payment.
Consumer complaint received 2022-09-06
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)

Transunion is report an account, this information is inaccurate and it needs to be updated and remove. In accordance with the FAIR CREDIT REPORTING ACT THIS XXXX XXXX ACCOUNT REPORTING IS A VIOLATION TO MY RIGHTS. 15 USC 1681 section 602 A states I have the right to privacy. In addition, 15 USC section 604 A section2 : Congress states that the Consumer reporting agency can not furnish an account without my written instructions. This needs to be deleted immediately. When it comes to compliance procedures the CRA 's must prepare a report with MAXIMUM accuracy to me the consumer. Transunion is in violation of my consumer rights. 

SEE ATTACHED.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

I purchase d US Ban k prepaid Mastercards #  XXXX ,  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX . I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I cont acted one  of merchants (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
Consumer complaint received 2016-10-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I opened checking and saving accounts at Citibank on the phone. The rep said to expedite the matters to go to the branch, present ID, sign necessary forms and deposit the money. So I did. A week later it turned out they were missing a copy of my ID I presented in the branch. But they kept quiet until I called them on the phone asking about access to my money. Eventually they sent me an email with a form for ID copy so I had to fax the image of my ID with the form. After that they sent me an ATM card. But when I registered it I discovered that the access to the savings with the entire amount ( XXXX ) of the deposit is blocked. Now they are stating that they do not have the signature card which is a lie. Without it the opening of the account would not have been complete and accepting the deposit would not be possible. Even written communication with customer service is infuriating. They completely ignore what is stated in the request and give absolutely irrelevant answer. At this point I worry about a very substantial amount of my money that they are holding and refusing access with made up reasons.
Consumer complaint received 2024-01-25
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. (PA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (MS)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!