davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo manipulated my payments and move funds out and in of my account when they were my mortgage servicer. Id make payments early, some times a week early, knowing Ill be out of the country or not being around to make payment on time, and Wells Fargo would undo my payment without my knowing. And thats not the bad part, they moved the money i transferred out of my account completely, they didn't even refund to my checking nor savings. They then would magically transfer the funds back on the day mortgage is due, pretending nothing happened. this happened numerous occasion when i needed to cushion myself by paying earlyaround the holidays, or before me leaving the country. they pretty much have access to thousands of dollars invested for 7-14 days by uaing my money.
Consumer complaint received 2015-04-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Russell W Richardson, Attorney at Law (NM)

My family and friends ( some who live out of state ) were contacted my a " XXXX XXXX '' from DFC Legal Services informing them I have a debt I have in collections. I called the company and when they answered the phone would only say Law Office. No one would give out their first name only XXXX or XXXX . When I spoke with XXXX XXXX he told me that if I did n't pay off this debt they would contact my HR department to have my wages garnished. He was very rude and left me with no easy solution. I did some research on this from the original lender and kept calling different companies who said they bought and sold my account. I spoke to someone at a different company who told me they had my account and they do n't know why this other company was calling but to ignore them. Their amount was only {$900.00} the amount of the loan. I called XXXX XXXX back and was told the other company was lying. They did a conference call and they argued with eachother the whole time saying they owned the account and not to listen to the other company. I was so confused at this time I did n't know who I should be paying. I called my bank and cxd my bank card and put a stop payment on my account for both companies just in case they tried to take money out. I do n't feel comfortable talking to any of these people anymore. DFC Legal services refuse to give out their first name, wo n't give out detailed information about the debt, and are very rude. They make threats, and give out information to my family about my debt. They continue to call my family over and over again telling me they know they can get a hold of me. Very scary and very mean. Not understanding at all. I feel very worried that they will contact my place of employment to garnish my wages. And I 'm not sure what else I should do. I just want these calls to stop. They also refused to mail anything to my home showing this debt and the money owed from their company. They sent an email that was not on company letter head just a generic email.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

First Progress Credit Card, issued by Synovus bank is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in XXXX XXXX in the XXXX XXXX XXXX Florida. This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.
Consumer complaint received 2016-12-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (OH)

We paid off our loan on XXXX/XXXX/16. They held on to our escrow money until supposedly disbursing it on XXXX/XXXX/16. It 's now 24 days since disbursement date and 42 days since paying off the loan and we still have n't received any funds. This should have been part of the settlement of the pay of the loan, not something where they hold on to my money for months after paying them off. I 've reached out to them 7 times now. I receive no communication back from them. The only time I got a hold of them, they told me to wait another week and I should get it. That was on XXXX/XXXX/16! It 's now XXXX/XXXX/16!
Consumer complaint received 2015-12-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRUSTMARK CORPORATION (KY)

My work was contacted by a XXXX XXXX from XXXX. My-co-worker answered the call and was told by this person that they were filing a civil suit against me for a debt. She gave my co-worker, XXXX XXXX, the case # XXXX. None of this information should have been shared and I suspect that this is even not a legitimate debt. After I called them back, I spoke to a man that claimed they were calling to tell me they are filing a civil suit for XXXX credit card which I have n't used in close to ten years. I advised this man of this, and he claimed he had 7 years to collect. I again re-iterated that I had not used this card in almost 10 years and began to tell him that I also took out a consumer loan to pay off the balance and other credit cards ... he interrupted me and yelled " If you shut your mouth ... XXXX '' I then stopped him right there and quit talking and hung up ''. I do believe this is also the same company that has called me before at work and would not even tell me who they were collecting a debt for. I also advised this place to not contact me at work since I work XXXX. ... and they are holding up the line. These people do everything against the law and need to be stopped!
Consumer complaint received 2021-04-29
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: Experian Information Solutions Inc. (GA)

I sent Experian a letter asking for them to provide me with the method they used to verify an account on my report. My letter was mailed in XXXX and as of today I have yet to hear from them.
Consumer complaint received 2019-02-27
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. (NJ)

I feel XXXX is stand up for XXXX XXXX even though I got a business credit card for XXXX XXXX XXXX XXXX. This business credit info should be off my personal credit.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NJ)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? They say that this account was purchased by another lender without providing any name, address or contact information and this account is almost 5yrs old. It looks like they are trying to reage the account which is an illegal practice.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NY)

This account was fraudulently opened without my knowledge or disclosure. Please remove this from my credit report. I have disputed on XXXX, XXXX and XXXX. I dont want this to follow me around for the rest of my life.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I was a victim of identify theft and fraud through XXXX XXXX on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : XXXX, Equifax, and XXXX. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * XXXX- Still showing delinquent, historical payments * Equifax- Still showing delinquent, historical payaments * XXXX- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.
Consumer complaint received 2019-02-27
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: Experian Information Solutions Inc. (GA)

I submitted a dispute with Experian, XXXX and XXXX concerning a collection account they are reporting under XXXX XXXX XXXX {$570.00} ( world XXXX XXXX-XXXX XXXX ) This account is not verifiable and inaccurate and should be removed. 

I have enclosed a letter by the original debtor sent through CFPB showing proof of documents they sent stating the debt amount is not valid- XXXX XXXX XXXX was purchased by XXXX and here is their notice sent to me. 

I would like this removed and deleted as they clearly show that the amount listed {$570.00} is not accurate and this is fraud by Experian and XXXX XXXX by reporting this other wise with out any documentation
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Summit A*R, Inc. (VA)

I hired a fencing company in XXXX XXXX to install a new fence. They damaged my landscaping and did not install the fence per our specifications. They were paid 65 % of the estimate but refused to correct the issues for the remaining balance. Another contractor was hired and paid to fix the fence and the landscaping. The fencing company has now sent the balance to a collection agency who has reported this on my credit without any proof that the money is owed. Collection agency was advised of this in XXXX XXXX and again in XXXX XXXX - no further legal action has been taken by the collection agency or the company.
Consumer complaint received 2023-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MI)

I have told every Navient purpose I talk to to not call me. Despite this, they continue to harass me by ignoring my requests and calling me multiple times a day and hanging up. For instance : XXXX XXXX XXXX  - 4 calls XXXX XXXX XXXX  - 4 calls XX/XX/ - 4 calls XX/XX/ - 4 calls XX/XX/ - 5 calls XXXX, XXXX XXXX  - 5 calls XXXX, XXXX XXXX  - 3 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 3 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 5 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 5 calls XXXX, XXXX XXXX  - 5 calls
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

While I was navigating on the TransUnion website to obtain a free Credit Report, a window opened up that offered a XXXX XXXX. There was no price advertised with it so I thought it was part of the free report. I clicked on it and before I could realize, my credit card was hit with a XXXX charge. I didn't even click on a " Confirm Payment '' button before my card got charged. They could have at least advertised and warned that consumers were about to be charged for the buttons they click onbut nothing! I tried to contact customer service but all they could offer was survey windows to write something in, so I did. A lot of good I think it will do me! I also think TransUnion was pretty sly in how they present their website offerings ; with free report in one window ; then unadvertised subscriptions that cost money in the other. I felt pretty cheated. Can you please help me get my XXXX back to my credit card? Thank you XXXX ( XXXX ) XXXX
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NE)

My first payment to Nelnet was XX/XX/2017. I called over three times to verify payment info because I was nervous given their reputation. I use my banks bill pay service for everything & in 20+ years have never had a payment issue. The payment was sent electronically when I was paid on the XX/XX/XXXX. I got an email from Nelnet on the XX/XX/XXXX my payment was missing. I called & was told by two different people they refused my payment, noted my account & sent it back! They wanted my bank acct # to take money out of and had no intrest in remedying the issue with the existing funds in " limbo ''. They already have my money. They said they noted my account about the payment coming in, sent me a letter & have sent the funds back however I have yet to receive anything. I am livid at the unprofessional business practices. 
They got the payment, knew what acct it was for & refused to apply the payment. They now want me to pay them again by giving them my account number which will give them access to very badly impact my financial life. I was supposed to refinance my house soon but if Nelnet is trashing my credit score playing with payments then my score is toast. 
I called the dept of education to file a complaint on the XX/XX/XXXX however they refused & told me i needed to consolidate my loans with a different company to solve this.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

This is my second complaint for Experian and XXXX. I tried to fix it within the credit bureau with no luck and no help from Experian or XXXX. XXXX XXXX DID fix it. 

As you can see by the attached report, Experian and XXXX  has me as having 3 late accounts. This has hurt my credit and shows up when it is pulled by a lender. Experian repeatedly just says a bankruptcy stays on your credit. This isn't about that, I under stand that. This is about Experian and XXXX saying that I have negative, lates from XXXX XXXX, XXXX, and XXXX. None of those accounts were late, those companies said that no late payments were every submitted. Yet, Experian and XXXX has my report showing late payments. All they did was to send out a dispute to those companies, rather than fix their internal error. They must be doing nothing more than assuming they were late, since, again those companies never reported late payments. Those were included in a chapter XXXX bankruptcy, however the loans with XXXX and XXXX XXXX were always paid, on time and outside of the bankruptcy and paid in full. I have the titles to both cars. XXXX was also included and received an agreed payment through the courts to settle the debt. No late payments were made to XXXX up to the day it went to receiving court payments. 

Finally, Experian sent me a report of their resolution, but none was made. Funny how they can say this is done, when I got a call from XXXX XXXX yesterday saying they were actually trying to help me. Also, experian included a credit report showing the accounts before and after they " updated '' them. The ONLY thing that they changed was that these 3 accounts, which were supposed to fall off my credit in XXXX, NOW fall off in XXXX. How can they extend how long these stay on the report, unless punishment for reporting their error to the CFPB. They did nothing more than make the situation worse. 


Isn't it some kind of fraud to put false information on a report? 

Attached you can clearly see where the Experian and XXXX report shows 3 false late 's.
Consumer complaint received 2017-01-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Gurstel Law Firm, P.C. (AZ)

On XX/XX/XXXX, I was sued in XXXX County, XXXX Superior Court by XXXX via XXXX. I received a judgement and the collection agency that contacted me to collect on XXXX loans was Gurstel Chargo through Attorney XXXX XXXX XXXX, whose phone number is : XXXX and email address is : XXXXXXXXXXXX. Gurstel Chargo 's local address is : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. A payment schedule was agreed upon and I began making payments XX/XX/XXXX. Gurstel Chargo has XXXX file numbers for these loans : XXXX and XXXX. They have a Processing Center at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, Fax, ( XXXX ). My complaint is the consistent failure or refusal by XXXX XXXX or the Processing Center to send me periodic payment statements indicating payment history and the amount of interest I have paid on these loans as this information is necessary for tax purposes. I had a conversation XX/XX/XXXX with XXXX XXXX that he agreed verbally to send me a statement every two months. I recently, again requested XXXX XXXX send me a 2016 year-end statement indicating student loan interest paid by leaving a phone message on his voice mail XX/XX/XXXX. He has done nothing since XX/XX/XXXX. I have called the Processing Center on two occasions XX/XX/XXXX requesting a payment history statement and they informed me both times that they do not send out these statements. I have no idea if my payments are being properly recorded or how much I still owe. Also, I have no idea my that payments are being applied to my XXXX loans from XXXX because this is XXXX that have a pool of loans. I never pursued the issue of ownership of XXXX owning my loans from XXXX before a judgement was rendered because of a lack of resources and I was assuming an executorship of a family member 's estate who was XXXX XX/XX/XXXX that made it difficult to get to court to defend myself. Could you please address these matters because I am tired of Gurstel Chargo 's arrogance in their dealings with me. Also, I have filed a complaint on XX/XX/XXXX with the Attorney General 's Office of XXXX. Nothing has been reported by them to date. Thanks, XXXX XXXX.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc. (CA)

AWA Collections Account # XXXX Balance {$66.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Date - from XXXX XXXX XXXX Stay My insurance XXXX XXXX XXXX paid the claim & I paid the {$200.00} deductible. I submitted via e-mail the paid claim to AWA Collections on XX/XX/XXXX. 
I was never notified by phone or e-mail that I was going to be taken to a collection agency prior to this claim being filed by XXXX XXXX in XXXX XXXX, CA. ( XXXX XXXX )
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WI)

I recieved an escrow review notice that increased my payment by over {$1100.00} per month. The mortgage company is trying to escrow for over {$6000.00} for insurance and they refuse to adjust the amount, waive the insurance cost, or eliminate the escrow portion of my account. The actual cost of my homeowners insurance for the property is around {$600.00}. 

Please help. 
XXXX XXXX XXXX
Consumer complaint received 2015-10-27
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth financial is not at all professional and are harassing in violation. 

This debt was discharged as being invalid on at least one bureau and is under investigation as well. I am being harassed when I have requested not to be contacted. Additionally the number they are calling is not my own and the owner has requested no further communication yet the representatives antagonize her, make odd statements in singsong voices and continue to call and harass, even outside of allowed hours. This number should be removed.
Consumer complaint received 2015-04-06
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

I have reached out to your agency multiple time regarding Chase, fraudulent banking practices. Chase as agreed to comply with Texas XXXX and violated the state laws but refuse to forfeit the HELO Principal & Interest, release the Lien as described by the law and reimburse the payment I made toward this HELO.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

I signed up for a smartly checking account and was approved on XX/XX/XXXX. When I signed up there was a sign up bonus that was similar to the following : U.S. Bank is offering a {$600.00} checking. Must use promo code XXXX. 
To earn up to {$600.00}, open a XXXX XXXXXXXX XXXX account online, in a branch or over the phone with an opening deposit of {$25.00}. Then complete the following activities within 90 days : Enroll in the U.S. Bank Mobile App or online banking.

Complete two or more direct deposits.

Your bonus is determined by the total amount of your direct deposits : Earn {$200.00} when your direct deposits total {$3000.00} to {$5900.00}. 
Earn {$400.00} when your direct deposits total {$6000.00} to {$9900.00}. 
Earn {$600.00} when your direct deposits total {$10000.00} or more. 


I believe that I completed these direct deposits on XX/XX/XXXX. I believe that the fine print said that bonuses would be added 90 days after the date of the last direct deposit. 

I attempted to contact US Bank on XX/XX/XXXX twice via phone. On the first attempt I was transferred multiple times then left on hold, and when attempting to call back later on the given phone number for bank account bonus support the automated system hung up on me multiple times when I attempted to use it.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX is reporting my account 60-90 days past due and has not reported to the credit bureaus since may. Since then many payments have XXXX made and My account is currently up to date since XXXX