davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

XXXX FUDNING Has fraudulently trying to collect the wrong amount on a debt and has yet to verify such accounts with correct names and information. Accounts were opened fraudulently and trying to collect illegally without merit. 
XXXX Funding has yet to provide proper documentation for accounts and verify such debt. 

I don't know who is XXXX Funding and never signed up for any XXXX FUNDING accounts which this accounts are illegally opened without my consent.
Consumer complaint received 2020-10-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have contacted XXXX  numerous times that XXXX XXXX  XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX. # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (WA)

This issue was resolved several years ago by anot her Collection Agency.and my self.   This issue began on  XXXX   XXXX ,  XXXX  when someone, not me or anyone I know, impersonated me by going on  XXXX  and applying for a credit card with the last four digits of my Social Security number and a false email account. This was fraud.   With the last Collection Agency I had conversations with  XXXX , the Credit Card Company that uses  XXXX  home page.   I have been with  XXXX  and  XXXX  since  XXXX  and I have only used one email for both of these accounts. This email is "  XXXX  XXXX  XXXX  '' and the one used for this " Fraudulent purchase '' was  XXXX  XXXX  XXXX . I have never used or had an email with hotmail.   I had over 20 phone calls with the previous collection company, including  XXXX  and the Credit Card Company that issued credit in my name.   As I told the previou s Collection Agency, all th ey had to do was to ask the  Camera Company tha t shipped the merchandise, where did they ship it to. I guarantee that it wasnt to me or even in the State of Washington.   Everything was settled years ago, and I was reassured that it was Fraud and we were done with this ugly issue.   Now, I guess my previ ous Collection Agency " sold  '' my information on this claim to " Convergent Outsourcing ''  (   XXXX  #  XXXX   ) w hich are now calling me and my wife during work hours and I hate to have to go through weeks of badgering about consumer fraud. I believed this was  XXXX  red up years ago. Can you please help.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I have attempted to dispute through their portal and it will not allow me to dispute inaccuracies on my report. I have evidence to support my claims but they will not allow me to dispute and they refuse to let me in and go through their website. I can only submit it through here so that they may receive my dispute and investigate the inaccuracies.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NV)

On XXXX XXXX I discovered my checking account at US Bank had been closed without notice, so I went to my local branch here in Nevada and asked why, They said " your account was closed do to 3 suspicious Unemployment checks from the state of Florida being deposited in your account ". We returned to the local branch a week later to get an update and hopefully get our money, They said it could take a couple months to get a resolution. So I waited 2 months and called the Fraud Department at US Bank. 
Now, the Fraud Department at US BANK says it could take up to a year and until the depositor claims those unemployment checks, I might never get anything back.
Consumer complaint received 2017-03-15
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: XOOM CORPORATION (WA)

I am being blacklisted from being able to send any overseas transfers from my computer. I know this now because after XXXX started blocking me I moved to Xoom, which blocked me after a couple of transfers ... and then today I tried to establish a new account with XE money transfer and they would n't even let me create an account. I believe this all stems from an incident I had last XXXX where someone hijacked my email account password, and then tried to send money through Xoom. I noticed this activity and called them immediately to block the transaction saving myself and Xoom from any financial loss. I told Xoom to lock my account until I could be sure everything was clean again .... then I called them back.. They asked for my ID and bank statement. I sent them both as proof. They then denied the transfer with NO explanation at all. I asked specifically in an email for information regarding this denial and have not received a reply. I think this is totally unfair to place the restriction on me .... No one has lost a penny because of this.. I consider this to be an unfair business practice and I would like someone to intercede on my behalf
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Good morning, I looking for answers regarding my mortgage account with Wells Fargo. I received annual escrow projection for 2017 taxes. This analysis is based what they " think '' coming year taxes. This projections are often inaccurate and never adjusted if not disputed. Well I have attached what was sent to me and it does not reflect my actual monthly payment. 
I have spoken to several of Wells Fargo representatives last ( XXXX XXXX ) and it still does not answer my question. Projection is based on a payment made twice a month payment of {$690.00} this amount is incorrect. My actual payment is {$620.00} twice a month. Why this rate is not based actual amount being paid? WHY? If projection is false so is calculation for monthly rate? The past few year my receive a tax credit. See noted on tax record.This has been on going and I feel my current monthly payments is inaccurate. I 'm asking for someone this to review and advise. 
Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hard pull on my credit report by XXXX on the XX/XX/2016 Transunion recommends contacting : XXXX XXXX, Tennessee, XXXX I did not Authorize this credit pull Concerned it may be fraud XXXX ca n't reference without a account number
Consumer complaint received 2017-01-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo makes it complicated and inconvenient to defer student loans with forbearance if you go back to school. You have to call them for everything unlike federal loans where you can do it online to " maintain '' or " manage '' your account. Unlike federal loans, Wells Fargo is a tedious process which requires signatures from school officials, and such forbearance form does not even guarantee forbearance because you have to continue making payments until the forbearance is approved. In order to get a forbearance because I am going back to school, I have to print the form ( cost time and money ), then fill out the form and get the signature from the school ( cost time and money ), and then mail or fax it back ( cost time and money ) and continue payments until approval ( cost time and money ). This is how they are also maximizing fees and payments if borrowers do not make payments because they are in school waiting for an approval, and are not able to work full, part, or on a contractual time. Wells Fargo has not improved in servicing borrowers so that student loan borrowers can manage or maintain their accounts.
Consumer complaint received 2022-06-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX XXXX XXXX was contact my me loan holder, XXXX XXXX XXXX XX/XX/2022 in effort to obtain documents for a home loan refinance. At time of call XXXX, XX/XX/2022 I was automatically transfered to loan servicer named, Mr. Cooper XXXX At that transfer I learned that my loan information was not available to the proposed new servicer, Mr. Cooper. The representative in the CSR at Mr. Cooper was kind enough to call with me to XXXX XXXX XXXX XXXX XXXX, that call was not successful in reaching anyone in person at XXXX, XXXX. 

XXXX  XX/XX/2022 at XXXX pm I called again to make a connection to pay my mortgage, same process was made available. 

I was transferred to loss mitigation at Mr. Cooper, XXXX helped me. She stated that selling loans is common and needs time to transfer. 

I was not notified of this transfer and find this process unacceptable.
Consumer complaint received 2016-06-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

I opened a savings account at Wells Fargo. After noticing how frequently they imposed fees, on XXXX XXXX 2016 I decided to close it. I called and requested the closing of the account and the transfer of the existing balance ( {$1300.00} ) to my XXXX XXXX account, which was linked to it. On the phone they agreed to do that. 
By XXXX/XXXX/2016 the account was closed, the funds gone, a note in the statement for the month said " Account close Cashier Check {$1300.00} ). However I never received the check or funds. They have disappeared. I called and they claimed that they sent the check by regular mail. I never received that check by email. I went to Wells Fargo 's branch in XXXX, where XXXX XXXX XXXX, store manager, XXXX, to ask for the check to be replaced. XXXX XXXX said that I would have to pay a fee of {$30.00} for " lost check '', plus a bond for 2 % of the amount ( another {$30.00} ). If I do not pay these fees I will not receive a check. 
2 months have passed since this started. I do not think I should be penalized with fees for funds that they have failed to make available to me. They have not provided proof of the check they sent, and even if they had, they should facilitate its replacement ( if lost ) instead of imposing " extortion '' fees to give the money back to the customer.
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (CA)

After I got of ah quarantine and was done with all the XXXX tablets prescribed to me I drove to the dealership to drop off payment. Being that I wanted to be responsible and safe about my health condition towards others I stayed in the car and asked an employee to please take the payment and have it reach it's proper destination. Payment was took. However a couple days ago my car was repod and according to the dealership the check was shredded. I ask, why? Why couldn't it have been forwarded to the proper place or why didn't they attempt to hand back? I believe there was some type of professional negligince on their behalf because it be one thing if they didn't know, but they knew that if they shredded that check that no payment of course would be made and that I would lose my car. So they knew. Now under USC 15 1692F ( there was no judicial order therefore making the reposession unlawful ) Under 15 USC 6802 A financial institution can not disclose personal info to a non affiliated third party which the repo company would be exactly that because when the dealership and I made the deal they were nowhere in the picture Now under 15 USC 6804 Congress states that if I haven't been given anything in writing stating my info is gon na be given to a non affiliated third party that in doing so that is also unlawful which they had had to because that's how they knew who I was and who to look for that's how they found me now under 15 USC 1692 Congress warns us The People to be on the lookout for unfair collection practices by debt collectors.abusive practices.misleading. ( while the repo was taking place the repo guy told me to hurry before a call was made and authorities got involved ) that is also unlawful In all reality let 's go to the very beginning I made the payment to the dealership I forgot to mention they said the payment was supposed to go somewhere else. Very well then why'd they take my payment? And why let it sit on their desk til they finally shredded it? They knew. It would be different if they didn't know. Negligence ladies and gentlemen so as much as anybody dislikes the verdict the truth is it was wrongful from the start. I would've not lost my car if the payment was given back and I instructed to send to where they knew where. They could've sent it.they could've had handed it back to me, but no they shredded it without saying a word.not til the car was repod and I demanded to know where the payment was did they tell me it was ripped and thrown away.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

My late sister XXXX temporarily resided with me from XXXX to XXXX. 
She passed away in XXXX, XXXX. 
Unknown to me, she had several credit card accounts ( opened by her and in her name only as she was an adult at the time they were opened. ). 

On XXXX XXXX, XXXX and continuing randomly through XXXX, XXXX, I received thirty ( 30 ) calls from Portfolio Recovery Associates. ( PRA ). There was no message left indicating who they were attempting to locate or the purpose of their calls. I assumed there was some type of mistake and they had the wrong number. 
Since the calls continued, a call was placed to PRA on XXXX XXXX, XXXX and learned they were attempting to locate XXXX. The Customer Service Representative ( XXXX ) was advised of XXXX 's death and she said she would verify the information and remove my phone number from the call list. The calls stopped and no further calls were received for the remainder of XXXX. 

During XXXX XXXX, a collection letter was received via mail addressed to XXXX with my home address. On XXXX XXXX, a call was received from PRA and again, no message. 
A return call was made to PRA that same day and " XXXX XXXX '' was given the same information that was shared during the XXXX XXXX, XXXX call. 
I questioned why the calls were beginning again, since the information of XXXX 's death was given to PRA the previous year. It was also mentioned to the representative that it was assumed Portfolio Recovery would have access to various professional and informational databases especially the Social Security Death Index ( which would immediately verify XXXX 's death ) ; as well as a simple XXXX search which would have provided factual data that XXXX had indeed died. The representative did not answer any of those questions, only stating said she would verify the information and remove my phone number from the call list. 
No calls were received for the remainder of XXXX and all of XXXX. 

Thinking this situation was indeed finally over, I was shocked when the calls began again on XXXX XXXX and by year 's end had received thirty eight ( 38 ) calls from PRA . There were also two ( 2 ) additional collection letters received for XXXX with my home address. 

It is now XXXX, and the calls continue, eight ( 8 ) to date, and a fourth collection letter. 

So after four years and three months, 77 phone calls ( with no messages ) and two calls to PRA providing information that XXXX is still dead, the harassment continues. 

PRA purposely chooses ; to ignore that XXXX had passed away and refuses to verify her death ; to attempt to coerce and intimidate others for payment of a debt that only the deceased would be responsible ; to continue calling my home number ( which they said would be removed from their call list ) despite my best efforts to convey true and honest information ( that goes ignored ) causing undue XXXX.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XX/XX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

on XX/XX/XXXX i recive a email from my credit report that my name was reported to the agencies, XXXX, XXXX and XXXX that my account was not paid, on the amount of {$360000.00}, so i receive a letter on the XX/XX/XXXX saying that my insurance pay {$32.00} and my pay off was {$36.00}, on lexus leasing is included and not optional GAP, so on the latter shows that the GAP pay {$360000.00} and my amount due was {$500.00}, which was paid with my XX/XX/XXXX, now for the last 2 weeks i being calling lexus every day to fix, and no one can fix this problem i sent certified mail, fax and spend in numerous hours on the phone try to fix and still not fixed, they ask me to wait 45-60 days to get this solve which its unacceptable,
Consumer complaint received 2017-05-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

They contacted me to help get me a modification to save my home to stop the foreclosure on my home. On  X/XX/2017    I gave them money for {$1500.00}. The next payment was on  XX/XX/2017    for the same amount then another payment were due me and my son we did not send that payment. Then this man call me fro m SPS Serviceing  by the name of  XXXX   XXXX  he stated to me that I was about to loose the modification. That was set fo r twenty yea rs at {$1300.00} A month so me and my son would not loose our home. He said that we must send in {$900.00} dollars. We call sps serviceing they never heard of  XXXX   XXXX   XXXX  I have his phone number  XXXX   XXXX  a widows. My husband was a  XXXX  vet. Please help me get my money back thank you.
Consumer complaint received 2015-11-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Army and Air Force Exchange Service (WA)

I recently received a military star card about a month ago and began using it almost immediately. I called to extend my credit limit and begin making payments in a timely manner days later. I logged in one day to check my account and saw my retail limit was increased as requested for {$500.00}. My retail credit limit started at {$600.00} total, then was increased to {$1000.00}. After that I tried to make a purchase days later and it showed as declined. I checked my balance again online and my credit limit was suddenly in the negative {$75.00} in spite of no new purchases being made. A day or so later my credit limit was increased by about {$50.00} which I very quickly spent on dog food before it disappeared! I called today to make a complaint about it and they told me I was n't eligible as of 10 days ago. I received a bill but NO notice and the customer service worker & supervisor I spoke with were absolutely deplorable refusing to say anything other than I 'm no longer eligible for an account. Although my account is not shown as closed online. My first bill is n't even due yet for almost a month! And the payment is only {$19.00}.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 I signed up for a Chase XXXX  checking account through a promotional email that was sent to me. It stated that if I opened a ChasXXXX XXXX checking account by clicking the button in the email labeled " open an account '', with text below that email saying [ Coupon code applied when you choose " Open an account '' ], that I would receive {$220.00} bonus. The stipulation was that I had to set up direct deposit within 90 days of opening the account. After following the account set up process online, I finally had my account. I set up direct deposit for my employer about a week later. I made some deposits, got my debit card in the mail, the account was up and running. I waited for the account bonus to be added to my account but I never did. On XX/XX/2022 I tried calling Chase customer service but after an hour on hold they did not answer the phone, so I sent them a message describing the issue through their online message portal. I received a message a day later saying that over 21 days had passed since I had opened the account, and that nothing could be done. I then called their customer service line to dispute the issue. I connected with someone who parroted the same message, that 21 days had passed and nothing could be done. I asked to talk to the supervisor, was transferred to a supervisor who again, parroted the same message about the promotional period only being good for 21 days after opening the account. When I politely asked this person how I could have 90 days after opening the account to set up direct deposit and take advantage of the promotion, yet only 21 days after opening the account to resolve any issues with the promotion, I was immediately hung up on. At this point it is clear the Chase has no intention of addressing this issue.