davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRINITY HOPE ASSOCIATES (NC)

I received a call ( XXXX ) from Trinity and Hope Associates on XXXX/XXXX/2015 about a bill in the amount of {$610.00} owed. I asked to check with insurance ( XXXX XXXX XXXX XXXX XXXX South Carolina ) on the issue and gentleman replied he would not that I refused to pay and hung up. I called back and got recording. I left message stating that I did n't refuse payment I had simple ask to check with insurance for more information. On XXXX/XXXX/2015 obtained original number and information on matter from XXXX Hospital and was advise to submit to insurance to see why not paid and to call central billing ( XXXX ) It was then I encountered XXXX from Trinity and Hope. She accessed my files and said the amount owed was {$1100.00}. Since I had no record of bill I agreed to pay amount with my XXXX XXXX Card, fearing that case would be turned over to attorney and fees and penalties would incur according to XXXX. XXXX then conferenced in a representative from my insurance company, XXXX, and while pretending to be canceled by previous request for insurance to submit for insurance to pay. XXXX seemed suspicious but with proof cancel the request to submit. I then paid amount {$1100.00} not remembering the call from day before that quoted {$610.00} XXXX promised to call back the next evening with her associates name XXXX to request reimbursement from my insurance company for the payment made to her company. I have not heard from Trinity and Hope since. Feeling uneasy about situation I called XXXX XXXX that same evening and found that the only charge pending for that day was {$1500.00} to XXXX XXXX XXXX XXXX, name that was never mentioned in call to XXXX. Only Trinity and Hope Associates was mentioned. I was advised by XXXX XXXX to wait until charge was posted before I disputed it. This is what I did, submitting to them all paperwork on this matter. Finding bill from hospital in the amount of {$610.00} I was willing to dispute only the excess charge over that amount however after calling insurance and learning there was never a request for payment from hospital in my name or the billing account listed I decide to dispute the entire {$1500.00} that was charged. My insurance is looking into that matter.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (IL)

I received a letter XX/XX/21 from Wells Fargo Bank, N.A. stating I opened a new credit account with them and a new credit card will be mailed to me. 

I never applied for a Wells Fargo Bank credit card. 

I have not received a Wells Fargo Bank credit card. 

I do not want a Wells Fargo Bank credit card. 

I attest this statement is true to the best of my ability. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX IL XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

When I purchased a vehicle from XXXX XXXX in XXXX NY, I paid {$5000.00} as a down payment on a vehicle that cost {$10000.00}. The remaining balance was to be financed and paid in 1 year. The amount financed did not reflect the down payment and the amount financed was not the price that was agreed upon. The numbers were modified without my approval or consent. There is a huge discrepancy in the amount agreed on at the dealer and what the finance company had.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I will keep on REWRITING to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF THE WEST (CA)

Fees from XXXX and XXXX keeps getting withdraw from my account without authoization. Have contacted XXXX and XXXX regarding unauthorized charges. Filed disputes with Bank of West multiple times. Contact Bank of West regarding overdraft fees that has been charged to account. Bank or merchant still havent credited my account causing my account to be negative and unable to pay bills or take care of dependent.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

I have been reaching out to XXXX  and XXXX  concerning to previous complaint about the inaccuracy being reported on my report. However, XXXX  and XXXX  have failed to provide me any feedback and updates with regards to my concerns. That means XXXX  and XXXX  has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see this inaccuracy I found on my report : XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXXBalance {$1900.00}
Consumer complaint received 2020-05-29
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}
Consumer complaint received 2023-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I contacted Citizen about my loan XXXX prior to becoming delinquent on their account to communicate that I was experiencing hardship due to being laid off and that I wanted to know what options existed for someone in my position. The woman on the phone stated that there was nothing the company offered and that my only option was to submit a payment and stated more than once that there was no option for someone experiencing hardship. 

I called back after they'd reported my account as delinquent to see if I could just payoff the account and remove the negative reporting and the new representative stated that I received false information and that Citizen DID offer hardship options to people and that the representative I spoke to should have provided me with those options. Had I received those options, I am sure I could have prevented my account from becoming delinquent. 

Therefore, had I been given all of the information when I first called ( before I became delinquent ) I would not have had to go through the negative reporting. I was not given complete information, the first representative was lazy and unprofessional and as a result my credit report was impacted. I know all calls are recorded and the first call should be recorded, I want a supervisor or manager to listen to the first and second call so they can see how stark the differences are and I need an explanation as to why their representatives are not trained the same, and I need that negative reporting removed because I could have worked out an arrangement on the first call, BEFORE I WAS LATE, and prevented my credit score from being impacted.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/21 my son & I went to a dealership to purchase a new car. We were told I would need to co-sign on the car. Later when loan documents began to be mailed to us we discovered that the loan was actually written with me as the primary buyer and my son as the secondary buyer. Very dishonest and disheartening sales practice
Consumer complaint received 2021-04-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage bought my loan from the previous loan servicing company in XX/XX/XXXX. Since then, Freedom mortgage has been collecting payments from me that includes costs for home insurance and property taxes towards my escrow account. On XX/XX/XXXX Freedom mortgage debited {$1000.00} to hazard insurance but my home insurance company has no receipt of payment. Ive had to pay out of pocket to my home insurance company- XXXX- to ensure that my home insurance is paid. I received no notice of any change of home insurance and no correspondence from any other home insurance company. Freedom mortgage essentially stole that money from me and did not comply with paying my home insurance company. They also did the same thing with funds in my escrow account for my property taxes. They debited my account {$6700.00} on XX/XX/XXXX supposedly for my tax property bill. The county of Alameda has no record of receiving payment from Freedom Mortgage. The taxes are due on XX/XX/XXXX and if they are delinquent I will incur hefty percentage fines. The fact that Freedom Mortgage took those funds from my escrow account and have not paid either of those bills has put me into a financial hardship. They have stolen from me and made me have to pay for bills that were supposed to be paid from my escrow account.
Consumer complaint received 2021-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

XXXX banking said that miss payment XXXX I didn't miss any payment I started paying with my s.s.number to Identify when I mad my payment, then I started to use there account number for making payment. XXXX transfer the loan over to Select Portfolio Servicing. At XXXX i was down to XXXX $ on the loan when sps took over they charge me XXXX dollars now owe XXXX. When I make the XXXX ever month i quest interested only but when i do make payment over the phone or the internet .next month the XXXX is higher then the prier month. If I paying what they asking how can the payoff go up interested stay the same. SPS said that i sign some form from them, but I know I didn't sign nothing from them I asked for proof and they said they will send it to me that was i XXXX ago they saying we will send it. they don't have anything because i haven't sign anything from them i refuse to sign.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (TN)

I pay several hundred dollars a month for the Card Security benefit from Synchrony Bank. I lost my full-time job, and filed a claim for benefits. The terms say they pay your first 3 minimum payments every month and then cancel out your full balance. I have sent Synchrony Bank all of the information requested, and even applied for unemployment ( despite being knowingly ineligible due to school status and unemployment they insisted I file a claim anyway.It has been 130 days ( or 4 months, 7 days excluding the end date ) since my benefit initiation date and I am still unemployed. Despite numerous requests for my benefit to be processed I remain asking them to make a payment and cancel out any of my balance. I paid very high premiums every month on my retail balance and now they are disregarding my claim and refusing to settle it.
Consumer complaint received 2020-11-04
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. (CA)

On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from XXXX  removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact  XXXX  and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.
Consumer complaint received 2020-07-13
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. (TX)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My loan is owned by OCWEN Loan Servicing. Ocwen 's CEO was criminally charged for inside trading and Ocwen purchased PHH Mortgage Services to hide from its bad reputation and place our account in care of XXXX XXXX on behalf of PHH. Ocwen removed from its statements or did not instruct PHH to include a detailed description of the Deferred Principal Balance or Balloon Payment. Ocwen 's statements depict my additional payments as credited to the " Deferred Principal Balance '' payment, which originally began at {$40000.00}. It is now at {$14000.00}. However, Ocwen through PHH now claims that I can not make said payments, ( after challenged ), it states that I can, but that it will not apply my payment as I request. Rather, it will apply it as it wishes and will be identified as Extra Principal, which is NOT the same as an extra payment toward the Baloon Payment. I have made numerous calls and spoken to Supervisors, I emailed the head of the Board of Supervisors and am waiting for a response. A series of changes have taken place. 1. First Ocwen credited my payment as I requested, 2. then after it purchased PHH , it did not. 3. Then after I complained and being told that I can not pay toward my Baloon Payment, it did but only for 2 months. 4. Ocwen/PHH again is not crediting my account as I request. 5. Ocwen/PHH refuses to provide a detailed statement to include my Principal Deferred Balance, Balloon Payment or as they identity if, my " 2nd loan ''. I spoke to a PHH Supervisor and am still waiting for confirmation of correction. I spoke to another Supervisor and I am told that Supervisor # 1 is new and doesn't know much. I am still waiting to hear from Supervisor # 2. Why am I being forced to spend so much time on a matter that should be on my statement? Ocwen/PHH is failing to provide me with an itemized detailed statement.
Consumer complaint received 2022-11-18
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. (NY)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (WV)

I honestly dont know what this bill of debt is. My old place I was in the landlord just gave me the letter to collect a bill stating that I had XXXX XXXX. I have the account number and my name is different because I got married again. But the dates saying I used it or for the main thing I havent had cable for 20 years and the times I did back then not one was in my name. So this needs to get taken off of my credit or anything that it can effect
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 i was notified by a text message that there were several transactions made on my card & withdrawals, later i got a call from a worker from Wells Fargo letting my know that my card was being charge in XXXX Texas & i let him know i was in XXXX at the time i was NOT out of state. Then he read a couple transactions saying that i had 4 withdrawals from an ATM from somewhere in california made with a XXXX XXXX phone, again i let him know it was not me. First withdraw was {$100.00} second one from the same ATM was {$380.00} then again for {$320.00} & lastly {$200.00}. All late, he removed my card from the persons XXXX XXXX & change the pin apparently. i later had to call again & ask if i was going to get a new card but i guess the person didnt file that so i had to wait & do that again. I let him know i had called earlier because of unauthorized transactions & he said i should file a claim & so i did & i waited almost 2 weeks ( XX/XX/XXXX ) to find out i wasnt going to get my money back because my card was in my possession.
Consumer complaint received 2017-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I opened an account with HSBC bank because of the {$350.00} offer they mailed to me, real simple, deposit {$10000.00} into a new account and get the bonus.

Well that was four months ago, no bonus, and the reps for HSBC are saying two things, that even though it 's been FOUR MONTHS since I opened the account, that is n't 8 weeks, and that the account that I opened was n't eligible for the bonus either.

So I want the account closed and do not feel I should have to pay the early closure fee since they did not live up to their end of the deal and this is clearly fraud that they invite people to open an account that they know is n't eligible for the bonus only to trap their money in HSBC.

I want the account closed, no fee, and nothing more to do with HSBC bank.
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

I applied over the phone for a Navy Federal account. I also applied online for a Mortgage. Almost 7 days later, no one has contacted me on the mortgage. I called Navy Federal. 2 associates refused to help me because the initial representative miskeyed my DOB. The " supervisor '' I spoke to has MLS # : XXXX. The correct DOB was on the mortgage app and I asked them if they could verify it from that source - they refused. I asked if they could verify it from their CIP source, they refused. I also offered to verify any other piece of information, including the funding information for the account used to fund the Navy Federal Accounts or any piece of data from the mortgage application. They refused. They completely refused to help me because of an error their own associate made when they opened my account. 

I can't get information on my own accounts, or status on a mortgage application and I find that to be completely unacceptable.
Consumer complaint received 2017-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX has requested additional information for XXXX XXXX  XXXX Checks whose book number is XXXX, XXXX, XXXX ( XXXX missing although all checks issued within 2 minutes ) which included a check payable to XXXX XXXX XXXX and XXXX XXXX XXXX so that they can locate a missing account funding checks which they say are genuine but were not funded from a known account.
They have not confirmed whether they were cashed and no endorsement shows at XXXX.
I am asking for a record of the transactions for these checks. A log must exist with an indication of the transfer of funds for the XXXX XXXX XXXX 's checks.
The social security number ends XXXX for XXXX XXXX who was the trustee of a family Irrevocable Wealth Trust and a trust for XXXX XXXX and a trust for XXXX XXXX. I attach the trust instrument designation for me XXXX Family Trust and a record from XXXX XXXX  for XXXX XXXX XXXX, no trust instrument in existence, for which I am indicated as trustee, social security number ending XXXX. XXXX XXXX may contact me XXXX with any additional requests for assistance. This is only a suggestion as to the source.
XXXX XXXX must state whether the funding was transferred from an internal trust account.