davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (LA)

Wellsfargo has denied my request to defer my loan. They will not work with me or give me a forbearance through my struggling times. Instead after my request they sent me a letter to let me know my monthly payment has increased. I will no longer pay wellsfargo until this matter is resolved and they remove the late payments from my credit file. This is my XXXX time reporting them to you. Please help me.
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NE)

The company XXXX has sent a bill I do not owe to XXXX different collection agencies. XXXX, and ERC. The first attempt at sending it to collections I requested validity of the debt and was told XXXX had to look into the balance and if I did not receive anything then it would be resolved. I did not receive anything and then a year later got a letter from ERC collections also from XXXX for the same date of service but the bill was {$20.00} more than it was before. I disputed the bill with this agency and they said I did everything I could do with them and that to get the bill adjusted I would need to contact XXXX. After calling XXXX they claim they can not find the account and then gave me a number to call that was a disconnected number. So at this point the bill has been with XXXX collection agencies, shows XXXX different amounts for the same service, the current collection agency says they can not do anything unless XXXX adjusts the bill which they claim they cant find and that if I cant get them to fix it then it will be sent to a different collection agency for me to dispute again.
Consumer complaint received 2015-11-09
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am in line for a modification from Bank of America. I was in a trial basis for three months, it has now been extended to seven months. I was told after three months I would receive my paperwork, It haws not happened. I am in line to get property tasx help from the State of Michigan and my approval by Bank of America XX/XX/XXXX. They keep stalling me, ev ery week it is a new target date as they are behind in their paperwok. I have sent XXXX e-mails to XXXX XXXX XXXX, but to no avail. Why would he respond to me I am just a little person. I am XXXX years old and on a fixed income. I do not want to b e homeless because of property taxes that are over due. i need desperately need help
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

A wired was made due to two man called me on the phone threatened me to send out wire. I realized this is Fraud .So I called my bank Chase within 30 mins after wire scheduled, and I asked for wire to be recalled due to fraud. They didn't do any appropriate action to recall the wire. The receipion is using same bank, chase have total control to stop the wire.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MD)

I had a need for XXXX work and signed up for CareCredit. During sign up, we discussed the cost, I provided some private information and the credit was approved. Never was a promotion campaign mentioned or what would happen at the end of the " promotional period. '' Not aware of the promotional period, I contacted them to request an extension of credit for additional XXXX work, and again, no promotional period was mentioned. It was a regular call with a representative from the bank. At no time did she mention a promotion or offer the opportunity to pay off the balance early to avoid interest XXXX 26.99 % ).
Consumer complaint received 2021-02-19
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: EQUIFAX, INC. (DC)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I was notified of breach on my social and notices accounts that I did not recognize, which one was the XXXX XXXX I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (AL)

I have applied and received credit card with Frontier/Barclay Mastercard that advertised reward earnings on expenditures for reward incentives. I have had ( XXXX ) Frontier Accounts for incentives resulting in excessive delay rewards, however the partnership ( web portal with Frontier Airlines does not reflect their 30-60 day post of reward incentives causing the customer delayed incentives for benefits, The Frontier company partner gave the consumer ( XXXX ) accounts resulting misrepresentation and failure to serve the consumer and their partner agreement ( s ). The customer has to comply with current payment agreements, lates fees, interests, according to credit card federal laws, however, the customer has no remedies under the U.S. Constitution-statutory 4th and 14 amendments for theses protections in granting reward incentives.This consumer is asking for equal protection under the laws. Consumer using web portals have delayed benefits and fraudulent verbal agreements to remedy the consumers in application and use of reward benefits promised by both companies and their representatives.or agents resulting in consumer delays and inadequate uses of said rewards.
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America stated I misused there account. There is no proof of that I was still trying to get my balance caught up and simply fell on hard times. Now that I am back on my feet due to lack of respect and discrimination I can not get a bank account. I would like proof of the alleged allegations. I never intended for the bank account to get closed my fianc a the time tried to send money to account and to no prevail succeeded. I tried to open a new account with regions only to find out Bank of America contacted early warning signs to put a alert out for me. I feel like I was profiled discriminated against and never was warren about the account being closed
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (NY)

Paid Barclaycard XXXX via website on due date. Was assessed a late fee because my payment was after XXXX. I pay my other credit cards online and none of them have a payment cutoff time before XXXX ( I paid around XXXX ). I had no reason to expect the case would be otherwise with the Barclaycard XXXX.
Consumer complaint received 2015-05-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

My online account shows a positive balance of {$170.00} and yet on XXXX they hit me with XXXX overdraft charges of {$170.00}. which put the account negative and then they hit me with another {$100.00} overdraft fees on XXXX and XXXX. XXXX of the charges were for less than {$10.00} and yet they told me any overdraft under {$10.00} would not have such a overdraft fee. They also re sequenced the charges so as to maximize fee. The same game that they were had class action suits for. The account is {$160.00} negative only because of there {$280.00} overdraft charges over XXXX days
Consumer complaint received 2015-10-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY (NY)

I am a Widow who has asked for assistance and denied, never receiving assistance. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from TD Bank but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and I was denied again even though I gave them concrete proof. I needed my loan modified to a smaller payment so that I could keep up the payments, I do n't have far to go to finish paying off the balance. Because TD denied me help, in order to keep up the payments current and on time, I used my savings to supplement my income. Now my savings is gone and there is nothing left to supplement. I am behind, a car repair problem caused a setback in my ability to make payments to them. I only owe them approximately {$27000.00}, my monthly payments are {$450.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from TD Bank where I have a home equity loan. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. Under the current administration, there are mortgage programs that would assist me but TD Bank would rather harass me for payments that I 'm unable to make rather than offer a solution where we can all benefit. Each week they send me threating letters of foreclosure, I know from past experiences, if I continue to send them requests for assistance, they have no intentions of helping me with anything but out of my co-op if I ca n't pay. TD Bank holds the home equity loan and I am currently unable to pay and I am being harassed rather than given any assistance. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I purchased a few dozen items from QVC on their Easy-Pay installments, and in XX/XX/2017, I called and paid all future installments with concurrent verbal confirmation from three representatives. In XX/XX/XXXX, I have received myriad emails, phone calls, and letters in regards to an ostensible outstanding balance. I called and spoke to a representative on XX/XX/XXXX and was told that " there is no way for me to prove I paid it. '' I noted my statements and she [ the female representative ] suggested that they were going to collect the balance, whether I paid it or not. The outstanding balance is $ XXXX which, admittedly, is small- but I have already paid it. She then threatened me with collections and " irreparable damage to [ my ] credit '' if I did not pay. 
I know that scores of other consumers have had concerns with QVC verifying payment and then insidiously returning months later under the guise of a " past-due '' amount.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was notified of breach on my social and notices accounts that I did not recognize, which one was the Opportunity Financial I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

On XX/XX/2022. I went directly to XXXX and paid them {$320.00}. XXXX took the payment and gave me a receipt showing account paid in full ( see attached receipt ) I contacted Convergent Outsourcing on XX/XX/2022 advising them that XXXX accepted the full payment and to cease reporting on my credit report as I have never had an account with Convergent Outsourcing. 
Today XX/XX/2022 Convergent has reported on my XXXX credit that the collection has been paid. Which I have never sent them any money, so how can they be reporting this erroneous information?
Consumer complaint received 2016-06-10
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services (NY)

I called Mercedes Benz Financial on Monday XXXX XXXX, 2016 and set up an automatic payment for Friday XXXX, 2016. They called again on Wednesday XXXX XXXX and I explained I already contacted them and set up the automatic payment. The woman said she would note the account. On Thursday I received XXXX phone calls from them, I answered the XXXX call and was never connected to a representative. Their system hung up on me. 

This is clearly harassment as I have the confirmation number for the automatic payment and am only XXXX payment past 30 days.
Consumer complaint received 2022-02-11
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. (AR)

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX VA real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
Public Record from a XXXX XXXX Bankruptcy on 07/10/2017.

I dont recognize this public record. Please provide proof from the court of this public record. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (SC)

original debt was with GE money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS (IN)

My wife and I have had an auto policy with XXXX XXXX XXXX for over 20 years and have had an excellent record.Last month, as shown in the attached letter, our rates were raised based on a report from Lexis Nexis Consumer Center ( LN ). We disputed the rate increase, and were told that if we got the LN report, the insurance company may be able to make an adjustment. This seemed fair. 

However, we have NOT been able to get anything from LN, except corporate stonewalling and rudeness. The only time LN is even half-way nice is when they want to sell us products that we do n't need as XXXX. Today alone I was on hold for over 20 minutes, and was transferred several times. 

We are paying higher insurance costs as LN has failed to provide requested information. As we ca n't get the bad data that LN has sent in, we ca n't begin the process of correcting LN 's errors. 

LN appears to be breaking several consumer protection laws, such as the Fair Credit Reporting Act, and title 5 of the Fair Trade Commission Act- which are UDAAPs, as LN seems to be engaging in Unfair, Deceptive, and Abusive Acts and Practices. We think that LN is also engaged in wire fraud, as LN is sending inaccurate data to insurance companies using the Internet across state lines. 

We also are concerned that LN is reporting to XXXX, a credit reporting company under a Consent Order by your Agency, data on a judgement from XXXX XXXX XXXX which does not have a Certificate of Authority ( CoA ) in Indiana where we live, and without a CoA this bank had not legal authority to file anything to obtain a judgement. XXXX Consent Order requires that they check for these kinds of errors, by XXXX also uses LN. There are other errors that we know about stemming from LN. 

In summary , LN may well not want to give us the requested data, because in doing so , LN may be exposed to multiple violations of consumer protection laws.
Consumer complaint received 2022-02-11
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. (AR)

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-04-28
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. (TX)

I have tried to correct these issues with Transuion many times, I have sent out letters asking for validation of these accounts and all they pretty much tell me is that they " verified '' the account. I send of f 4 different letters on 4 different occasions (   XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    )  and they still failed to send me validation of these accounts. According to the Fair Credit Reporting Act the company must validate these account rather then just report this inaccurate information. Below I Have Attached Their Responses to my request. & Yet Thes e Inaccurate Accoun ts Still Remain.     Accounts Listed Below :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Lynx Asset Services, LLC (NJ)

I have been having problems with Lynx Asset Services for the past five years. They were doing dual tracking and did not apply NJ Homekeeper funds accordingly to our account. I am in bankruptcy now and foreclosure trying to stay in my home that I have been paying for since 1997.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

I have new and updated information concerning my previous complaint based on the creditors response. 
Pursuant to 15 USC 1637 ( c ) ( 8 ), I am requesting that American Express provide me with the written application I made to them for the credit card ending in XXXX, written proof of my income at the time of application or a written application of the cosigner who applied for the XXXX XXXX  credit card with me. 

I am also requesting a copy of the application for the American Express XXXX credit card I was issued before the XXXX from American Express credit card.