davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I received a call from Nissan on or about Monday, XX/XX/2019, I spoke to the representative and advised that I would be making my payment before the end of the month online. The representative gave me a breakdown of all the charges including late fees, and personal property taxes the representative recapped the call several times and also asked when I would be paying next month 's payment. I advised when I pay it, I gave this response because I was frustrated and didn't want to continue the call and also asked why Nissan had not contacted me with regard to my mileage not being correct on my lease or offer an apology. The representative just blamed the dealership. I reminded the representative that the dealership would not be involved if I go over my mileage I would be paying Nissan Finance. At any rate, I promised to pay with a method, amount and date on that call. I then received two subsequent calls from Nissan attempting to collect a debt when I informed them that I would pay. I gave specific instructions and calling and harassing me is a clear violation of the FDCPA.
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (CA)

XXXX filed XXXX  XXXX in XX/XX/2023 and stopped offering XXXX services to all clients including my daughter. We had already paid the bill in full and were not able to receive necessary services. They took the money and did not provide the full service. 

They transferred their billing to a company called healthcare, finance, direct or HFD, LLC. This company is aggressively billing. Me and XXXX XXXX  has tried to stop them XXXX. They are now threatening me over email with my credit. They added another random amount of XXXX to their billing. 
They are behaving like criminals. I had called them, and they refused to speak with me and laughed at me and hung up. 

We can not pay a bill connected to a service that we can no longer use. I should not have to pay over the amount agreed for services not rendered in full. 

When XXXX stopped them the first time, they changed their name from Healthcare Finamce Direct to HFD. 

I am asking for protection for my credit. I am asking to stop this harassment.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is keeping to post wrong information on my Credit Report. 
People BEAWARE!!!!! 
Experian post that an account on my credit report have a balance of XXXX on XX/XX/2021 meanwhile in the section that shows " changes '' you can clearly see that my utilization decrease with 65 % and my revolving debt decrease with XXXX... 
The truth is thas this account have a XXXX balance With all of this that my utlization and revolving debt decrease, Experian drop my credit score with XXXX point .... This a clearly sign of all of their bad and wrongfully parctice against costumers
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I applied for a XXXX credit card ( Chase Bank ) through the XXXX website when making a flight reservation, advertised was a {$100.00} statement credit and no annual fee for the first year. All of a sudden there was a {$450.00} annual fee charged - outrageous for a credit card annual fee - so on XX/XX/XXXX. 2019 I called Chase, was told it was for an annual fee, they could remove it and close the account. I asked about the {$100.00} statement credit and was told it would be on the statement when it was generated. I chose to close the account and have them refund the the {$450.00} annual fee. The statement came, no {$100.00} credit, so on XX/XX/2019 I again called Chase. I was told that offer was on the XXXX " XXXX '' card and I got the XXXX " XXXX '' card and that offer was a XXXX bonus miles offer. I seldom fly, why would I apply for that and not the {$100.00} statement credit. I would never have opened another credit card account just for bonus miles and a {$450.00} annual fee!!! When I asked why I received a " Club '' card rather than the " XXXX '' card I applied for, they blamed it on the XXXX website and that I would have to talk to them. Chase bank refused to do anything for me, just wanted to say it had nothing to do with them, it must be the XXXX website. I have never been so frustrated that a bank refused to stand behind what they offered.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (MI)

Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX XXXX to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX ( XXXX ) dollars. The account lists XXXX  as the " Original Lender '' and " Enhanced Recovery Co L '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with Enhanced Recovery Co L. I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are two late payments reporting that shouldn't be I called the company and advised them of my hardship due to the COVID shut down. I was informed of the help and that it wouldn't affect my credit status. Please help assist
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I've been a customer of Wells Fargo since 1996. For many years, I've had an account that reimbursed my non-Wells Fargo ATM fees. All of the sudden, my fees are not being reimbursed and no explanation or indication of these change in account benefits has been given to me. I emailed customer service twice and all they did was respond with a generic copy and pasted response. I'm very upset that Wells Fargo has decided to make my account worse and not even tell me. This definitely qualifies as an unfair/deceptive act/practice.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (CA)

XXXX XXXX fraudulently increased the interest rate of the original lock confirmation 5.385 % provided by my loan agent, XXXX XXXX, XXXX XXXX XXXX to 5.76 %. They did this close to my closing date and refused to lower my interest rate. 

Following is the lock confirmation my loan agent, XXXX XXXX XXXX XXXX XXXX  confirmed on XX/XX/XXXX : ( Unable to upload necessary documents onto your platform, tried multiple times. I just uploaded documents in the upload section, please review. ) Talk to my loan agent from XXXX XXXX. My loan agent is XXXX XXXX, he can be helpful in identifying the issues. His phone number is ( XXXX ) XXXX. The address of XXXX XXXX is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( office number XXXX ) Through email communication with my loan agent from XXXX XXXX. I came to know XXXX XXXX, the contact person handling my loan at XXXX XXXX. She is one of the persons at XXXX which my agent, XXXX XXXX, communicated with in addition to the investor also at XXXX. XXXX XXXX email is XXXX in correspondence. Her address is Recovco XXXX XXXX XXXX XXXX d/b/a XXXX XXXX  XXXX XXXX XXXX, XXXX TX XXXX, phone number is XXXX and XXXX. My loan agent is XXXX XXXX, he can be helpful in identifying the issues. His phone number is ( XXXX ) XXXX. 

XXXX XXXX is the assistant to XXXX XXXX, Vice President - XXXX XXXX. 

The name and address of the mortgage company is as follows : Recovco XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX They were contacted by my loan agent several times to decrease my interest rate from 5.76 % to match the lock confirmation interest rate of 5.385 % prior to the date of my close, I closed on my condo XX/XX/XXXX, but XXXX refused and did not decrease my interest rate. Even until now, they have taken no action. This the reason for the filing of my complaint. They have taken advantage of me through fraudulent predatory lending practices, and I want justice. 

I want have all my mortgage debt with XXXX brought to a {$0.00} balance actually. Because their actions are so egregious. This is the same type of fraudulently practices that led to the previous financial crisis of XX/XX/XXXX-XX/XX/XXXX. Thank you for help me in this matter.
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC (PA)

Hi, My debt was sold by XXXX XXXX XXXX , XXXX to XXXX XXXX XXXX , XXXX. I managed to find their contact information through the XXXX  ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about XXXX XXXX XXXX. XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. 

Please refer to this link to the XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX If you're able to help shed light on this situation, I would greatly appreciate it.
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me getting it back up and going i am not sure if this some mostake as i assume it has to be i have not been able to get help from them or months but i just rememberd i coud mr a report on here as o feel they are not doing there job properly and it is effecting me a great deal as i used paypal guide frequently my email linked to my paypal is XXXX XXXX
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On the morning of XX/XX/XXXX I received an email from Wells Fargo stating that overdraft protection had been activated for my checking account. I logged into my Wells Fargo account to see why this was and discovered that 2 fraudulent payments had been made on my account. The first charge was posted on XXXX for {$2500.00} for XXXX XXXX to " XXXX XXXX XXXX XXXX'. The second charge was showing on the XXXX but according to the Wells Fargo website didn't actually post until XXXX for {$4500.00} for XXXX XXXX to " XXXX XXXX  XXXX ''. I do not have credit or debit accounts with either bank in the posted transactions. I do not share my online banking information with anyone and only ever log in from my personal computer or phone on private networks. After discovering these charges I changed my account password and then immediately called Wells Fargo at the number XXXX at XXXX XXXX on XX/XX/XXXX. When I was connected to a representative I informed them of the fraudulent charges. The representative attempted to cancel the charges but was unable to do so. For security reasons the representative put a temporary freeze on my online banking, changed my username, password, and account number, as well as started a fraud case for me. On XX/XX/XXXX Wells Fargo mailed an Online Fraud Affidavit for me to fill out and I received it on XX/XX/XXXX. I filled out the affidavit and returned it to a Wells Fargo in XXXX, North Carolina on XX/XX/XXXX where a banker was able to assist me finishing filling it out and faxed it in to Wells Fargo 's fraud department. On XX/XX/XXXX I received a letter from Wells Fargo saying that they had completed their investigation and denied my claim due to the fact that the transactions were requested during a secure online banking session using my username and password. I called Wells Fargo at the number XXXX at XXXX XXXX on XX/XX/XXXX after receiving the letter to find out why my claim had been denied. The representative on the phone was unable to give me specific details about why my claim was denied. She was able to put in a request for the documentation used in the investigation to be sent to me and let me know it may take up to 30 days to receive it. As of XX/XX/XXXX I have very little information about why my claim was denied and will continue to appeal it.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX a fraudulent transaction appeared on my Chase checking debit card. I called the bank on XX/XX/XXXX to dispute the {$820.00} taken out as cash back from my account in another city 3 hours away at a post office. I was given a temporary credit for the full amount, but on XX/XX/XXXX Chase ruled against me and says on XX/XX/XXXX they are reversing the money even though I spoke to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this matter and faxed evidence that proved I was in XXXX XXXX and never made this purchase. On XX/XX/XXXX I even had a letter from the post office where fraud happened faxed to them. The post office said they do not have chip card technology and even write me a letter stating this. Chase has previously said because my card had a chip, it must be me making this purchase and denied the reversal. Now, they are saying its because they had my pin. Which is it? Ive filed police reports, identity theft reports and postal inspection reports about this and Chase still wont help me.
Consumer complaint received 2021-01-30
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. (FL)

on XX/XX/2020 I sent a dispute to all three credit bureaus to regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2018-02-09
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. (AZ)

I pulled my credit report XX/XX/XXXX and saw that this collection agency XXXX XXXX was showing up as a collection and that I owe them a debt for {$990.00}. I sent them a certified letter with a return receipt to verify the debt with my signed signature. They sent me a letter back dated XX/XX/XXXX and it was great news that they had concluded its investigation of my dispute and are closing both accounts since I had 2 accounts with them and they are requesting that the three major credit agencies delete XXXX trade lines from these account on your credit reports. Shortly after that I got an update credit report showing they were both deleted but only off of 1 of the 3 XXXX, the other 2 XXXX and Equifax only removed 1 and  are still showing the other one. I sent them both a certified letter that I had received from the company again requesting that the second account be deleted also.They still have not removed it. I sent another certified letter again with no result so that's why I'm here. I got an alert that something new was on my credit report so I pulled my credit report today XX/XX/XXXX and my reports says a new collection has been added to my reports, again only on XXXX and Equifax not XXXX so instead of deleting it they makes it appears to be a new account and my scores dropped by 49 points which is major and drastically. I am going to report this action to Attorney General and the XXXX XXXX XXXX today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-06-20
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. (NY)

I did not give permission to any credit reporting agency, nor the collection company to furnish this fraudulent account on my consumer report ; I sent a dispute to both Equifax and XXXX collection agency and it was marked as verified and accurate by Equifax but they improperly did the investigation of verifying the dispute.They never notified me { the original creditor } to get verification of accuracy.so im not understanding why the account was not removed from my consumer report. I have been in distress due to the fact that I have been getting denied for all credit related things such as apartments and credit card loans. This has brought defamation upon my character to these financial institutions resulting in XXXX  in regards to my mental health as well as my living situation.
Consumer complaint received 2020-11-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CashMax LLC (TX)

On XXXX I spoke with an agent from XXXX XXXX central time. The representative keep repeatedly saying we will send your account out of the office, you havent paid any amount, we will send it to a 3rd party collection agency, we will take action against you, along with other statements which were misleading and threatening in nature. Finally, misrepresenting the amount of money owed. Even though the contract is bull and void due to it being an " Unconscionable '' Contract.
Consumer complaint received 2020-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

Been faxing in loan modificaiton paperwork since XXXX OF 2019 But PENNYMAC KEEPS LOOSING just one examaple! AND THERE FORECLOSURE ATTY XXXX & XXXX XXXX SAYS CALL XXXX LEFT 10 MESSAGE BEFORE NOON AND NO ONE ANSWERS!
Consumer complaint received 2018-02-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo will not honor my divorce decree to remove my name off the property I have not lived in since XX/XX/2015. Wells Fargo has the option to remove my name off the deed, but I would still be responsible for the loan. I am disappointed that they are not honoring legal court divorce decree documents and now my credit is bad since my ex-husband is behind on the mortgage payment. My ex-husband wants me to sign loan modification which I refuse, since I an no longer living at the residents and I do not want to be responsible for 40 year mortgage.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.