davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I filed a complaint with the XXXX in regards to the poor service that I received from Huntington National Bank and their refusal to refund full fees for a simple mistake. There was a {$10.00} difference. The staff was rude, very condescending, and antagonized me. After the complaint w/ the XXXX was filed, Huntington decided they were going to close my account and provided NO reason as to why the account was being closed. This was after I decided to let the matter go and did n't even respond to rebuttal their XXXX response. Instead, they waited until the day after XXXX closed my complaint and mailed a letter stating they were closing my account. So I complained about their service and they close my account? I, as a consumer, reserve the right to file complaints and seek assistance in resolving my matters. I have only contacted Huntington on XXXX occasions and this was my XXXX complaint with them.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NJ)

Experian is continuing to report incorrect personal information on my credit report that I have disputed numerous times. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I don't recall having a contractual relationship with this collection company I C SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (CA)

Company Name : Universal Account Servicing Dear Sir/ Madam Re : ( account number XXXX. ) On XX/XX/XXXX, I got 2 years interest free loan ( principal amount : {$3400.00} ) from laser away through this company " XXXX. Unfortunately, your service has not performed well. 
I have an issue with the payment services. I had auto payment setup. Unfortunately, I lost my credit card, and had to change the credit number. As soon as I received the new credit card, I called in and gave my new card number to be used for auto-payment ; however, it seems that operator did not complete the transfer, and the old credit card number was used for the payment which was rejected. 
Although I have called on time before my next due date payment and gave my credit card number to be used ( they have my new credit cart # on record ), I have been told that I am still responsible for the delay which does not make sense. 
I am so disappointed because the service was not performed correctly ; I was billed the wrong amount ; something was misrepresented. i did not do anything wrong here. i paid my monthly amount on-time and did not miss any payment. it was the company 's fault that did not used my new credit card number for autopayment. i should not be punished for that. I already paid back my loan and i do not want to pay any interest. 
To resolve the problem, I would appreciate your help. I already paid back my loan and i do not want to pay any interest. 
Payment Details Total Principal Paid {$2700.00} + Interest Paid {$440.00} Total Payments w/o Fees {$3200.00} I look forward to your reply and a resolution to my problem and will wait until XXXX XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX XXXX Please contact me at the above address or by phone at ( XXXX ) or at ( XXXX Sincerely, XXXX XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (MO)

XXXX   XXXX ,  XXXX  -  XXXX   XXXX  assigned the balance owed them to Account  XXXX   XXXX  when in  XXXX  it was settled when returning for procedure again. I do not know of Acc ount Resolution Corp. but  I do  XXXX   XXXX .
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NV)

My loan with XXXX was sold to Loancare aka XXXX XXXX XXXX XXXX. Prior to being sold XXXX sent me a shortage statement in XX/XX/XXXX in which they added my " Special Assessment Tax '' ( SIDS ) to my loan. This increased my monthly mortgage payment by {$110.00}. This tax has never a part of my escrow/mortgage payments and I have always made these payments myself. I received no notification from XXXX that this was being added to loan. Every time I called I was told " you need a buffer in your account incase you ever go short ''. I did not actually figure out what this {$110.00} was until MONTHS went by of going round and round with XXXX. I spent over hour on phone with supervisor going through every line item. This was sent to their research department ( more waiting ) then their agent XXXX finally completed the research to remove the tax, but oddly.. they now sold my loan and could not adjust this line item off my account. 

Starting over now with Loancare..On XX/XX/XXXX, with XXXX agent on phone, we ( XXXX & I ) called Loancare together and explained that the Tax item needed to be removed from my loan. They said I needed to fax this all in to them, plus give them authorization to speak with XXXX agent. This was all done on XX/XX/XXXX. Since that point I have faxed, entered tickets, emailed, and called at least 11 times to Loancare to get this line item removed from my account. XXXX at XXXX even tried calling Loancare twice to try and help me! When I call Loancare I am told Supervisors will call me back, they never do ; I 've opened tickets that no one knows how to look at on the customer service line. I 've been hung up on, and put on hold for longer than 30mins. 

I then on XXXX I received an email that Loancare made this {$250.00} Tax disbursement payment for me. I immediately responded to that email and got an answer back that a ticket was created and someone would respond ; no one did. Loancare had since XXXX to fix this issue, with my fax and open ticket. During this time I called on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX XXXX 's. This payment was also over a month early as the payment was not due until XX/XX/XXXX. 

The Tax /SIDs payment break down like this. 
XX/XX/XXXX I paid XXXX - then Cenlar paid XXXX XX/XX/XXXX No One Paid due to credit XX/XX/XXXX Loancare paid {$250.00} on XX/XX/XXXX. 
From XX/XX/XXXX - to date I have paid over {$1100.00} for this " shortage ''. Something is very wrong! 

I can provide all the listing of dates and times, agent id 's from both XXXX & Loancare from each time I called. I also have the statement from the City showing the history of these payments for this tax and that they have ALWAYS come from me. When I called the City they told me they get calls about this all the time and 3rd Party companies are selling this information and this is how it was added to my mortgage without me knowing. 

It has been over a month since I first contact Loancare and I need help please. I can not keep sending these higher payments.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has recently changed their policy on overdraft fees. Managers and customer service representatives no longer have discretion in reversing fees. I have detailed documentation of conversations. Wells Fargo now only allows reversal of one fee per calendar year. I was explicitly told that this policy came into effect in XX/XX/2024. Also Wells Fargo is manipulating deposits in many cases such as posting deposits last, posting debits first. Recently Wells Fargo intentionally posted deposits after the cut off time, which created a situation where I was over drafted. Its important to note that if a customer makes a cash deposit and transfers to another Wells Fargo account, example from savings to checking, or from checking to checking, Wells Fargo will intentionally not post those funds until after the next day. In many cases this is a cause of overdraft fees. Wells Fargo is technically using this to generate more fees. Even though customer service representatives want to help in reversing fees, I want to emphasize that Wells Fargo also no longer considers hardship or long term illness as a reason to reverse fees. Also Wells Fargo has some the highest fees in banking.
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. (MS)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2015-08-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (OK)

I have asked XXXX XXXX XXXX 3 times not to call my work # but they continue to call me daily. I have not answered the last couple times. I risk facing disciplinary action from my employer for personal phone calls or avoiding incoming calls.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (MI)

I have sent CONSUMER PORTFOLIO SVC several letters asking for books of accounting, true bill and contract. According to Uniform Commerical Code they are in violation of request for accounting ( UCC 9-210 ). 

CONSUMER PORTFIOLO has reported late payments on my credit report which is also a violation of FCRA because a consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The charge off that is reporting is a violation of IRS because the IRS clearly states that a charge off is considered as income not debt. Income isn't to be reported on my credit report. Also, charge offs aren't supposed to have a balance reporting as well.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for my purpose.
Consumer complaint received 2021-06-04
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. (PA)

My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Consumer complaint received 2016-09-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently subscribed to XXXX, and received a phone number that previously belonged to someone else. The person who had this number obviously owed some company money. They keep calling my number, saying I 'm that person who 's liable for this debt, even though I give them my name, and tell them I do not know the person whom they owe.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recover reps call like clock work every month and every month I tell them to stop calling me. They tell me they will NOT until I provide payment of the debt, even though I told them over and over that I will be filing bankruptcy. I block the number they call from and then it 's a new phone number they call from the next month and then they start all over again. They always tell me they will not stop calling until I pay even though I tell them I am reporting them for harassing me. I have filed reports in the past to Do not call.gov but nothing ever happens.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I provided WF with screen shots of the trial deposits being made into the external account and screenshots of the entered amounts as trial deposits. Wells Fargo has refused to acknowledge those deposits by returning the message that it doesn't match what they deposited however the picture shows that is a lie. Wells Fargo has suspended my account and refuses to provide a resolution. They now are blaming the external institution and saying that THEY are the one preventing the link from happening. I've contacted the external institution on several occasions and they deny these accusations because as you can clearly see from the screenshots, the deposits are being made. If they were blocking this process then the deposits would not be made nor would I see it as activity posted to my account. So, yet again, Wells Fargo lies!
Consumer complaint received 2016-06-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United PanAm Financial Corp. (GA)

Me and my husband have a vehicle financed through United Auto Credit Corporation. On XXXX/XXXX/16, I spoked with someone in account recovery and they decided to give us an extension on our payment until XXXX/XXXX/16. Last week I received a call about a payment. I explained to the representative that I had an extension and my payment is not due until XXXX/XXXX/16. He asked me did I have the documents and I read the extension to him. He told me that he was sorry about the call and to just make sure I made the payment on XXXX/XXXX/16. 
Someone called my husband and told him that if a payment is not made, they will come and get the vehicle. Today XXXX/XXXX/16, I got a call from another rep.I explained to him about the Extension.He told me that it was a mistake. I told him that from XXXX/XXXX/16 - XXXX/XXXX/16, they 're just now calling me and want to say it was a mistake.That mistake should have been caught the same day. He started getting smart with me and telling me what I am going to do, so I asked him for his XXXX repeated my name.I said to him again what was his name, and he said XXXX.I asked what was his last name and he said I will not be getting it.I told him to hold on and got XXXX of my co-workers phone to use the recording. When I got on the phone, I recorded the rest of the conversation. I should not be harassed when there was an agreement in place.I e-signed the documents like I was asked on XXXX/XXXX/16. My husband said he told them that he 'll make the payment Friday because they told him that if he does not pay that they will pick up the vehicle.I 'm attaching the Extension agreement that was sent via email that I had to e-sign. I am also sending the recorded conversation of the phone call.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-07-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WESTERN UNION COMPANY, THE (KY)

Received a Western Union money order that I ca n't deposit for XXXX days. Says I have to wait XXXX hours. I was under the impression that money orders are prepaid and available right away. I 've searched the internet high and low for anyone else encountering the same thing. Found nothing about this, nothing on Western Unions website ether. Everything I did find read like it should be available right away.
Consumer complaint received 2015-12-17
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

HSBC Bank N.A Is always confiscating money transferred coming through their XXXX payment Hub in XXXX and probably many other people around the world. They withhold the funds for weeks under the pretext of conducting Anti Money Laundering information gathering on the remitter/beneficiary and they use payment network inefficiencies and the multiple layer of intermediaries to keep the funds the longest possible time and most likely accumulate more and more interest on the unlawfully and indiscriminately confiscated funds. Although they are given the information by the intermediaries they still hold the funds. Worse HSBC NY continue to repeat this confiscation and asking intermediaries the same questions ( remitter/ben date of birth, Place of birth, Citizenship and ID ) over and over again. The bank maybe using XXXX profiling using remitter names ( i.e an innocent remitter/beneficiary with the name XXXX will probably get his money confiscated repeatedly over the years and for weeks, while a money launderer named XXXX XXXX may sail through their network with no issues. No one from HSBC N.A/N.Y has bothered to contact me to explain or help. For years this on-going bad practice by HSBC N.Y goes conveniently unchecked. No one from HSBC has bothered to enhance the system to populate the information they gathered about me from previously confiscated funds, i assume because it is not in their " INTEREST.!!! ''
Consumer complaint received 2016-09-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (CA)

I recently opened an account at populardirect.com, a division of Banco Popular North America. After requesting twice they delete the external account I had linked for transfers and were unsuccessful, I decided to close my account. I 've requested the account be closed and all funds returned to me over a month ago. I 've contacted them approximately 5 times and each time there is some problem why they ca n't close the account. I 've been told conflicting things each time I contact them. For example, I was told they could ACH the funds to another account once the account closure is initiated. Yesterday, on XXXX/XXXX/16, the customer service rep. indicated that they could only release the funds via check after I sign a document which may take XXXX10 days to receive. They are unable to fax/email the document.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (SC)

I have XXXX credit cards : TJ Maxx, Wal- Mart and Belk , all through Synchrony Bank . XX/XX/XXXX, Belk decreased my credit limit from {$900.00} to {$860.00} based on my credit report and not the fact that I had not been late and was paying on time. Then XX/XX/XXXX, I experienced a financial setback for which I spoke with a customer service representative for Wal-Mart/Synchrony Bank. The representative set up payment arrangements drafted from my checking account, and she advised me that my account would remain open as long as I made payments. Then come to find out, customer service lied because my account was closed and turned over to a collection agency. I called them, sent a letter, and informed them about their lying business practices. I complained about them turning this over to a collection agency, which now has a negative hit on my credit, especially after I was making timely payments. Wal-Mart/Synchrony Bank took the account from the collection agency, and I began making my payments at the store. However, they refused to re-open my account even after I paid it in full. 
Mind you, I have the TJ Maxx and Belk cards through Synchrony Bank, which I was paying on time and maintaining. Then on XXXX XXXX, XXXX, I paid {$800.00} on my Belk card, still leaving a small balance and {$500.00} on my TJ Maxx card. Then two weeks later, XXXX XXXX, XXXX, I received an email copy of my statement saying my available credit was {$9.00}. So I called the next day about my emailed statement, for which no one could answer but advised I would be getting a letter in the mail stating why they decreased my credit. I believe they knowingly chose to do so to adversely affect my credit score. I pay my balances down below the 30 % so my credit score can increase, and two weeks later Synchrony Bank makes this decision regardless of me being a member for years, paying on time, and having multiple accounts/cards. I truly believe Synchrony Bank, formerly GE Capital, is back to its old, unfair practices greatly affecting people who are working hard trying to maintain their credit scores. The reason I know this is unfair, they have reduced my credit line twice within a year 's time. Why would my account be flagged so, especially with me paying on time? How could a bank possible justify going from {$900.00} to {$170.00} within a year 's time and the customer has been making on-time payments.
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I am unaware of this debt with Midland Funding LLC it says XXXX XXXX XXXX Acct. It shows {$910.00} balance due. This information is not known to me. I 'm not sure what company this is for. I feel as if my rights are being violated per the Federal Trade Commission Fair Debt Collection Practice Act Section 809 Validation of Debts. Consumer should be notified within 30 days of debt.