davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation (NC)

Im in the process of cleaning up my XXXX credit report when I notice a negative account from First Data Merchant Services. I disputed the account with XXXX since I 've never been a business owner and never had an account with them. The dispute came back as " We verified that this item belongs to you '', and for me to contact First Data Merchant Services regarding the account. After 2 days of being shuffled around from Corporate customer service to their fraud department, back to customer service again, no one could help me resolve the problem. The fraud department sent me to a department to obtain the last XXXX digits of the account number because they are x 'd out on the credit report. When talking to this person, she indicated she could not obtain the last XXXX digits and did n't know why fraud protection thought she could. She searched the database using my name and no account came up with my name. She then told me that she does n't know what else to do since she had no way to obtain the last XXXX digits of the account number and searching resulted in no account using my name.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

Original mortgage with XXXX ; they failed to accept short sale ; I was insovlent and unable to pay. XXXX transferred mortgage to XXXX, who issued a XXXX in XX/XX/2014. Now Shellpoint Mortgage Servicing is trying to collect, saying I have an outstanding mortgage with them for the same property. My credit it showing all three as unpaid and negative. The debt was cleared when the XXXX was issued.
Consumer complaint received 2016-04-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

At approximately XXXX, I received XXXX email from USAA Bank informing me that had changed the password and pin number for my checking account. Per USAA employee XXXX this was done because someone called in claiming to be me and told them he was on a trip to XXXX via XXXX and needed to obtain some extra cash, however, when he tried to use his debit/credit card at an ATM there were problems. The times on the XXXX emails I received from USAA were XXXX and XXXX, XX/XX/2016. After the bank made the requested changes this individual made XXXX withdrawals of over {$700.00} between XXXX and XXXX. 

The process when you call USAA ( process they put me through ) they ask for my account number or my social security number. Then they ask for the last XXXX digits of my social security number along with my password ( my wife does n't even know my password ). Sometimes they ask for my pin number. Then when I get to an agent in the department I want we go through this process again. How did this individual have all of my personal information? 

XXXX, the USAA person I initially dealt with at XXXX told me the individual had taken out {$450.00} x XXXX. By the time she passed me off to XXXX, she had raised the amount of the withdrawals to {$710.00} x XXXX. It was only when I check my online account register that I learned the actual amount taken from my account was {$720.00} x XXXX. The online account register does not show the location of the ATM used to withdraw the money. After USAA returned my money to my account. I followed the advise of my attorney and set up a new account here in XXXX XXXX, Arkansas and began via ATM withdrawals transferring my money to my new account. AT NO TIME did USAA allow me to make more than one {$600.00} ATM withdrawal a day. 

From the documents I have there are significant questions as how this could happen with such a supposed high quality organization as USAA Bank. This gives me the impression this was an inside job.
Consumer complaint received 2015-12-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

We sold our house and paid off a second loan to Wells Fargo and although our loan was current and previous statements from them stated a zero balance due after each payment, they took {$2500.00}. in excess of the payoff amount. I feel they saw all the money coming in from the sale and decided to grab some extra. They could not provide a detailed explaination for this other than " interest is paid forward '' I want them to refund my money and want to stop them from this behavior.
Consumer complaint received 2016-09-23
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

On XXXX in XXXX, Florida, I gave Western Union {$330.00} to transfer to my wife in XXXX XXXX, XXXX. I provided detailed information and identification documents on myself ( transmitter ) and my wife ( receiver ) .Today is XX/XX/XXXX and Western Union has not delivered the funds or reimbursed me in spite of numerous phone calls and requests on my part. I have sent money to my wife and daughter through Western Union many times before with no problems.Their contract states that I have a right to a refund within 10 days, but they refuse to return the money. Western Union has caused my wife and daughter financial harm.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MD)

I signed up with a Amazon card using Synchrony Bank. My first electronic email from them was a statement that I had a late fee of {$25.00}. Amazon immediately assigned the card, but I did not get the first statement. Synchrony waived the fee and I thought the card was canceled. Somehow a {$3.00} charge went through. I was charged interest and a late fee again. 

This seems to be a modus operandi for Synchrony. Moving to electronic billing - missing emails and charging fees.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Onity Group Inc. (IA)

This loan was an unsecured " XXXX XXXX XXXX '' that was originated through XXXX. It was then serviced by XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. The loan was then sold a few times. In the midst of the moving of the loan, payments were marked missed that were actually simply misdirected. However, the BIGGEST problem is the fact that Ocwen Loan Service is listing this installment loan on our credit report as a mortgage loan- which it is not. This has prevented us from being able to get refinancing on our current home. We have tried everything to get Ocwen to report this correctly, to no avail. Please help!
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R & B Corporation of Virginia (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-08-12
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: MLD MORTGAGE INC (FL)

I was refinancing my loan with MLD Mortgage and we closed on it but they did n't fund the mortgage for a week and did not repay me the interest for that week. They also stated that they would not charge me for the closing cost but it appears as though they still did. After 2 months of me paying my mortgage directly to them ( without them providing me with an amortization schedule or an idea of how my payments were impacting the principle ) They then sold the loan to XXXX without reimbursing me the interest.
Consumer complaint received 2019-02-24
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: AES/PHEAA (SC)

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting XXXX accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2016-02-17
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Financial Credit Service, Inc. (TX)

I received a call from an unknown number on XXXX XXXX, 2016. I did not anwer the call because I was at work. Later in the day I received a call from a friend that they received a call for me stating I had XXXX cases with XXXX County pending if i do n't call them back. I got the number from her and a reference number, I called the company and they told me that there are XXXX pending charges against me for submitting a false check and that they could garnish my wages and take me to court in XXXX County if I did n't pay. While on the phone the lady i spoke to said she has to talk to their legal counsel about my account, and find out if the charges have been filed. Then she said she would transfer me to legal counsel to ask me some questions.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. 

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: RS Clark and Associates, Inc. (TX)

on XXXX of XXXX i rented an apartment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx after the texas snowstorm, i could not continue living in the apartment i lived in for over 7yrs when i signed the lease for the new apartment XXXX XXXX explained to me that she only had one upstairs apartment and as soon as a downstairs came open due to my XXXX she would move me downstairs well on XXXX XXXX my job of over 8years let me go i had no job and trying to still get over XXXX XXXXXXXX i gave 2month notice to leasing office and XXXX XXXX infromed me that i should apply for texas rent relief so i did and texas rent relief paid the one year lease i had signed off no balance was left as time went on could not fine a new employer i cleaned out the apartment which was still upstairs, i had given XXXXXXXX XXXX {$300.00} money to move to the downstairs apartment  which she kept and told me that it was applied to rent after texas rent relief paid all the lease and utilities i called the leasing office and spoke to manager XXXX XXXX because a debt collection agency was calling demanding that i pay an amount of over {$600.00} to them on past due rent for XXXX XXXX XXXX i called leasing office attempt to resolve this issue XXXX XXXX told me that i gave a 60day notice and yes all of the lease was paid in full so what is the amount that XXXX XXXX XXXX sent to collection agency for? 

XXXX XXXX told me you are a skip because you moved out one month before the date of the 60day notice you gave i explained to XXXX XXXX that i had to schlude help to clean the apartment and help with moving heavy items to leave the apartment very clean and ready to rent to someone else the apart was rented the week i moved out to a new tenant so the XXXX XXXX XXXX lost no money in fact the kept my {$300.00} deposit for the downstairs apt and the lease was paid in full for the rest of the one-year lease and so were all the utilities by texas rent relief this was put on my credit report and apartments will not rent to me due to this!
Consumer complaint received 2019-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial ()

Hello! 
My account on the XXXX XXXX was blocked on XX/XX/2019. 
I contacted the support of this company but they did not assist in unlocking the account and stopped responding. Please help me in solving the problem of unlocking my account
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I brought appliances from XXXX XXXX XXXX XXXX ... .and opened up a store credit card from them. They approved me and said I would get a card and Bill in the Mail. I never received the credit card but I received the bill around a week ago so I wrote a Check for {$350.00} and mailed it Certified. ( I want to pay the total bill off ASAP. ) So today I get a call from the bank that issued the card and they said I owed a payment. They had not received a payment. I told them they received the payment I had tracking and I asked to speak to their supervisor.I know they received the payment on XXXX/XXXX/16 because I was able to pull the Certified ( tracking ) information up from the Postal Website. I was not given a supervisor because these customer service agency was in XXXX.Annoyed now I told them I would file a complaint and I wanted my payment to be posted to by Bill ASAP. 
the Certified Mail # XXXX was received XXXX/XXXX/16 with a check for {$350.00}
Consumer complaint received 2016-08-30
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DLC, LLC (NV)

My wife, XXXX XXXX, received a loan from Dollar Loan Center in XXXX XXXX, NV some time back perhaps XX/XX/XXXX. She was the only signer on the contract. When she defaulted, her account was turned over to XXXX XXXX XXXX XXXX and they also tried to collect from me. Although I have disputed this on several occasions, it still shows up on my credit report as a " joint account '' and that I owe {$990.00}. I have contacted XXXX XXXX XXXX XXXX and so has my wife to let them know I was not on the account and have disputed it with XXXX and XXXX. XXXX has failed to remove this disputed debt that I never owed and XXXX XXXX XXXX XXXX most recently reported this again XX/XX/XXXX ; therefore, I was unable to obtain a home refinance on my house which would have saved me thousands of dollars in bill payments each month. I actually have an account in good standing with Dollar Loan and they wo n't do anything about it either : Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX DOLLAR LOAN CENTER Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Balance {$990.00} High Balance {$2100.00} Please help, my wife has paid the amount she agreed to on this and XXXX XXXX XXXX still wo n't remove. 

Thanks.
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I lost my credit card with capital one and reported the fraud to them they told me they would hold the merchants responsible when I spoke to a representive that called me on XXXX/XXXX/2016 as of XXXX XXXX 2016 all the charges that were fraudulent we put back on my card now I have a balance of XXXX and change and when I spoke to a supervisor today they told me that they ca n't add the charges to the fraud report and to make payments on it first of all I 'm not going to pay for fraud and second I have XXXX different credit cards with capitalone and my savings and checking account they I was treated was horrible no one would help me and I was told to pay for fraud charges
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WA)

I failed to pay my last bill for {$100.00} with XXXX in XX/XX/XXXX. The account was sold to Diversified collections agency. I paid the full amount to Diversified in XX/XX/XXXX with the verbal agreement that they would delete the derogatory information from my credit report. Not only did they fail to uphold their part of their agreement, but they reported to XXXX " Settlement accepted on this account ''. This is false. I paid the full amount, and I paid with the agreement that this would be deleted from my report. Additionally, because I paid the account 3 years after it XXXX went delinquent, this will not fall off my report for 3 additional years. I have been penalized for making good on my debts.
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (NJ)

I have a XXXX XXXX credit card through Wells Fargo. In XXXX XXXX, I purchased furniture under a 12-month interest-free promotion and paid it off in XXXX XXXX. In XXXX XXXX, I purchased additional furniture under another 12-month interest free promotion. My balance is {$340.00} and the promotional period ends in XXXX XXXX. My minimum payment due is {$130.00}, which would cause me to repay the loan in full by XXXX ( instead of enjoying the benefit of interest free payments with a minimum monthly payment of roughly {$65.00} until XXXX XXXX ). Wells Fargo is alleging that the furniture store set the promotional balance, and they they calculate my minimum balance differently. This practice is deceptive. I was promised the ability to make payments for 12 months interest free, but if I do n't make the minimum payment I will hurt my credit and be charged all of the interest I have saved so far. This is deceptive and misleading.
Consumer complaint received 2021-06-03
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: CORELOGIC INC (CA)

On XX/XX/2021 I received an alert from XXXX XXXX  through my account XXXX  appt. 

Alerting me that ; XXXX XXXX XXXX  Alert Msg : I have a new credit inquiry on my credit report Made by : XXXX  For credit card ( or ) loan credit inquiry affected my FICO credit. 

I have not applied for any credit cards nor any loans of any kind and extremely concerning That such an agency- company as " Credco '' make an inquiry on my credit with out my knowledge, or written permission. 
I am not XXXX  nor have I contacted Credco OR request that any company do on my behalf. 

I want Credco to restore my credit ( FICO ) report. 

Please look into this complaint and immediately address accordingly and restore my credit report due to illegal fraudulent activity. 

XXXX XXXX  is activity looking into this matter as well since they thevones who notified me.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I 've   had this ongoing issue with Macy 's regarding my account, when Macy 's switched accounts to Citi from their previous servicer my credit account did not transfer over to their new system and all the while I had no access to my account and neither did I know any payments were due, as everytime I logged into the account the profile showed blank and I assumed there was no payments due. This was not the case and due to this error Macys ended up marking me late.
I have chronologized Macy 's online systems   mistakes with pictures in the attached word document.
Consumer complaint received 2015-10-31
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

In or around XX/XX/XXXX or XXXXWells Fargo Home MortgageSent a letter stating we were behind about ( 3 ) months we promtly made copies and faxed receipts to them. 
We were told by a lady named XXXX '' Oh MY there is a discrepency here we need to further investigate '' Up untill XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) Everything was fine. 
We were notified by mail and by phone we were behind {$2800.00}. We again faxed all documents and receipts as well as got {$3000.00} In money orders. ( XXXX XXXX ) ( XXXX ) {$500.00} XXXX XXXX Money orders. And sent in as well for their feesWe were again, notified That house was up for foreclosure sale. 
We promptly called and the excuses I got are as follows1 ) we did n't know where to send them ( which dept ) 2 ) you did n't send enough3 ) our computer did n't recognize the $ XXXXincrement4 ) I 'm not sure where your money orders even are.I think they got sent back to you! 
since that time Wells Fargo Home Mortgage. Has caused me to file bankruptcy because of these. Mishandling 's of our payments, I again may have to file bankruptcy. 
Wells Fargo Home Mortgage Has NO BUSINESS handling people 's money! 
They. Have not only lost 7 months worth of payments they also lost $ XXXXTheir incompetent and irresponsibility has caused undue emotional distress, caused my credit to be destroyed. Has caused financial hardships and countless other things. 
I can not get another home loan due to their mismanagement of funds ( payments ) I recently found out they are trying to foreclose on our home yet again. 
Something NEEDS TO BE DONE ASAP!!! 

Thank you for your timeXXXX XXXX