davidheineman/consumer-finance-complaints-large huggingface dataset:
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 was paid
Company: National Credit Systems,Inc. (TX)

I lived at XXXX XXXX XXXX, Apartment XXXX, XXXX, TX XXXX from XXXX XXXX to XXXX XXXX. In XXXX of XXXX, I received an email from the apartment stating that I owed XXXX to them for damages to the apartment. This debt was paid in full by money order on XXXX, one day before their deadline of XXXX. I received an email from XXXX XXXX on XXXX confirming that the amount owed was paid in full and never heard another word from them again. 

In XXXX of XXXX, seven months after paying off the debt, the apartment reported to a collection agency that I still owed XXXX. I did not discover this until i had my credit pulled. Not once ever have I been called, mailed, emailed or even remotely contacted about this debt. All attempts to contact the apartment management have failed and they do not respond to calls or emails. 

The worst thing about all of this is that not XXXX person from the debt collection agency has contacted me regarding this so called collection, and it has become a massive burden on my credit report. The apartment refuses to speak to me unless I can provide a money order receipt, which I do not have as this was three years ago and I have lost it. I do have their emails, however, confirming the debt was paid! But even that will not satisfy them.
Consumer complaint received 2015-05-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

I have foreclosure sale date of XXXX/XXXX/15 and submitted previous documentation in case # XXXX. On Wednesday XXXX XXXX, 2015 at XXXX in the afternoon I received a call from XXXX ( or XXXX ) from Wells Fargo in the " Customer Care and Recovery Group ''. She stated that she had received my inquiry for a request for a Home Modification.She then verified my loan number contact info and asked me to verify my request which I did. I told her and she confirmed that the present foreclosure date was XXXX/XXXX/15. She then stated that it would take a day or XXXX maybe for the post phonement date. She also stated that I would have a new primary point of contact to process my request and that would take a day or XXXX to complete. I asked before the call ended did we have time and she said yes we have '' plenty of time '' between now and Monday. I then thanked her for her call.She gave me her contact information, At no time during our conversation did she indicate a problem or an approval from the foreclosure department about the sale date. To the best f my knowledge at that time she did not mention the CFPB complaint that I filed. I had also sent a request to XXXX XXXX, PA whom Wells Fargo had designated asa point of contact. 
A few minutes later I received a call from XXXX from XXXX with whom I had filled out a hardship application. He stated that Wells Fargo was the hardest lender to work with and that in his opinion form the documentation that I submitted that we had a good chance to qualify for a modification. I told him that Wells Fargo had just called and that the sale date was to be post phoned. I thanked him for his time. 
On Friday XXXX XXXX at XXXX I called her since I had no heard anything to check the status. She then gave new primary contact contact was to be XXXX XXXX who would contact me. At this time she indicated that she was responding to my CFPB complaint. XXXX t.hen called me at XXXX in the afternoon on XXXX XXXX He informed that Wells Fargo would not post phone the sale date and they would respond to my complaint. I was in complete shock when he said this. He had me if I had any questions and I told him that I was mislead by yprevious conversations. 

The Wells Fargo employees were professional and polite. HOWEVER I WAS MISINFORMED by XXXX and she did not explain. THe consequences of this is that I lost XXXX hours of critical timing and the opportunity to work with a XXXX party. No consumer should have to endure what I just went thru. Their needs to be some type of protection to prevent this.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consums rights to privacy and confidentiality under 15 USC 1681 XXXX County Child SU # XXXX, XXXX County Child SU # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

1 5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follo wing items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (TN)

XXXX   XXXX   XXXX  this company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help
Consumer complaint received 2016-04-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Oracle Financial Group LLC. (FL)

Apparently, Oracle ( XXXX ) XXXX has contacted my employer numerous times explaining that I have an important legal matter. They have also called my church, my neighborhood association, and parents. This is a lot extreme!!! When asked to discontinue, they insisted on verifying my social security number. They were very hostile! I have verified with credit and court records, and neither has me owing a debt.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am currently in review for a modification again with Wells Fargo Home Mortgage. I have submitted XXXX prior applications and have been wrongfully denied for reasons that are false and fraudulent. I have been induced to default, relying on the instructions of the bank to assist me in refinancing or modifying my high int rate mortgage. I have an open case with the XXXX Bureau of Consumer Affairs, and Keep Your Home CA, while applying yet again to WF for review after THEY contacted me to reapply all the while they are DUAL TRACKING for foreclosure as I was just notified by a collections agent XXXX XXXX and XXXX XXXX XXXX as to foreclosure proceedings. Wells Fargo tells me that XXXX XXXX XXXX is the " private investor '' on my mortgage, but that is not legitimate as to a bank being a private investor. Wells Fargo and XXXX XXXX XXXX are in violation of the Fair Debt Practices act as well as they have not submitted verification of the debt or the right to collect the debt, but all they while intentionally inflicting financial and emotional harm to me, my profession and my property as I have equity and they refuse to work with me. I also cured the prior default with my retirement funds as Wells Fargo said that in doing so I would be able to refinance or modify, however upon doing so they told me again that that was n't possible or qualifiable as I had " defaulted '' ( based on their instructions in order to qualify for assistance ). Now I am being dual tracked even tho I have open case files with the XXXX entities listed above. I have NPV reports on past applications as to being wrongfully denied for HAMP, and a timeline going back to 2009 with all the representatives I 've dealt with both thru Wells Fargo, my congressional rep, XXXX, the XXXX, and many more.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (MD)

I received an email from Wells Fargo on XXXX XXXX, 2016 that my overdraft protection Credit Card needs to be activated by XXXX XXXX, 2016 else my overdraft protection will be lost. As I solely use this card for overdraft protection, I never activate it and shred it immediately when I receive it. I called Wells Fargo customer service to try and deal with this issue, and explained to the representative that the card is not stolen/lost. The representative then said he needs my full Social Security number ( which was suspicious ), but I provided, and then he said your new account/card will be mailed to you within XXXX7 business days and immediately hung up. I did not request a new account, and did not give this Wells Fargo representative permission to open a new account, but it appears he did anyways. I am filing a formal complaint with Wells Fargo themselves, but want this type of behavior to stop and would like to file a complaint with the CFPB.
Consumer complaint received 2016-03-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (ID)

LVNV Funding who has their debt collection conducted by Resurgent Correspondence Has illegally re-aged the debt on this account. This account was first delinquent in 2009 and is due to come off credit report this year as it is past the 7 year mark.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. ()

As I am a victim of Identity Theft/Fraud, I understand that as such, I am eligible for free updated reports twice a year. I recently submitted requests to the XXXX agencies, and EXPERIAN, even though in possession of my alert information, has denied me a copy of my report as requested. They are currently in violation of the laws placed to assist with my issue.
Consumer complaint received 2015-06-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Lustig, Glaser & Wilson, P.C. (CT)

Lustig , Glaser & Wilson XXXX P.C XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of XXXX for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the XXXX XXXX Court. They are attempting to re-age a debt that is over seven years old, and XXXX had already sued me in 2008 in the XXXX XXXX XXXX XXXX XXXX Court.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2015 Balance : {$36000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I entered a consumer credit transaction in which I was the creditor and extended credit to XXXX XXXX through my open end credit plan Pursuant to 15 USC 1602 ( g ). XXXX XXXX then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) XXXX XXXX has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) ( 3 ). I sent and letter on XX/XX/XXXX to XXXX XXXX to receive a copy of the original contract to validate this alleged debt. To this day I have not received a response. XXXX XXXXhave reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ). XXXX XXXX has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.
Consumer complaint received 2015-08-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year. 

I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement.
Consumer complaint received 2017-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Navient keeps claiming that I am " in grace '' when I am still in school. They attempt to have my loans turn from in grace to needing to be paid. They do this all the time. They keep doing it. Nearly every year I have to go to my school and have a paper faxed to them. They always claim that they do not receive it. I have to rush back to the school and mail it and force someone to sign for it. The times I have not they claimed they did not receive it. I asked them if they had someone who ran around the office pulling faxes out of the machine and throwing them in the trash. They hung up on me. Most of the customer service people who answer I can not understand as they outsource. I believe that they can not understand me as well and this causes problems and break downs in communication. I am tired of Navient XXXX me over. Instead of being able to concentrate on school I, instead have to concentrate on making sure my loans are not going in to default or forbearance. They do this every year!! I know they want the money, but to file false all these false allegations really annoys me. My roommate has loans serviced by XXXX XXXX and they do a wonderful job. I wish we were allowed to choose our loan servicers. I would never have chosen Navient knowing they were XXXX XXXX. The business practices and the way customer service treats people are deplorable! They claim to want to help, but told me that I would be better off using my student loan to pay my student loan if I was still in school?! Why would a company tell you to use your loan to pay off your interest?! I want my loan servicer changed. I want the ability to change whom my loans are serviced through. I do not want to deal with Navient. They do not have good or even scrupulous business practices.
Consumer complaint received 2016-06-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

my husband and I are having hardship now we are two payments behind on our payments aand Selene finance wants us to pay over a thousand dollars and XX/XX/XXXX payment of XXXX and tis is not possable for us, we also found out that they have our loan now as being over XXXX after all 19 yrs, we started out in 1997 with only XXXX Ica n't understand how they did this to us. please try and help, thank you XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate.

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Consumer complaint received 2017-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery  has not sent me proof of my obligation of this alleged debt as requested, and continues to report these  XXXX  trade lines to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowere d credit score.  I disputed these  XXXX  accounts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and   XXXX   to no avail. To date , Portfolio Recovery ha s continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? I have not received any verification for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe th at Po  rtfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is  blatantly disregarding the law and consumer rights.
Consumer complaint received 2024-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

I was working with someone to rent a home and they refused to send me a refund and stopped responding when I changed my mind on the rental. I reached out to my bank, Chime, and informed them and asked if they could assist in returning my money to me as the transfer was within the banking system to another Chime bank customer and I was told they couldnt do anything for me and to call the police and go to small claims court. When I asked how they stop their customers from using their platform to scam people out of their money I was told they had no procedure to do so and that prevention and educating their customers that they dont provide fraud assistant on transfers within their bank to other bank customers who are defrauding people.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation (TX)

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 
o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Audit & Adjustment Co. Inc. (CA)

I started XXXX XXXX, I didn't realize that there was a separate bill from the physicians. 
The bills were sent to an old address. 
The debt collectors would not explain who the creditor was. Eventually it appeared on my credit without written notice. 

Now willing to pay in installments, but would like item removed from my credit since the collection agency did not provide an explanation.
Consumer complaint received 2015-06-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I deposited a check for XXXX in my Wells Fargo Bank account.
The Maker of the check was XXXX and the check was drawn on XXXX.
Wells Fargo Bank put a 10 DAY HOLD ON THE FUNDS so I called Customer Service at the bank and was told REFER TO MAKER. XXXX, the maker, said there was NO REASON FOR THE HOLD. I believe Wells Fargo Bank ILLEGALLY HELD MY FUNDS.
Consumer complaint received 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AL)

I have settled my debt on a lower amount and although it has been legally handled with my lawyers it has still affected my  credit score, hara ssment at work, and daily life. Naive has pushed me to the darkest depth of  XXXX  and the continued issue of them incorrectly handling and not communicating account changes has been an issue for 3 years. The  XXXX  of this situation on someone beginning life has pushed me to the brink of ending it all. What type of life can you live with bad credit, and no way out of the  black  hole, and o ver 15k mo re in debt than any loan you received ... .that your mother applied for. This company ruins lives without any glimpse of caring. Bless the others who suffer from  XXXX  and are on the radar o f Navient.