davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-30
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (NV)

Charges were put on my account before the work was done and before authorization after I refused the original estimate given. I then authorized the work to be done at a lesser amount and now both charges are on my account and they refuse to take off the previous unauthorized charges. This is a national auto repair chain and related credit company.
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc. (MD)

I have asked West Asset Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WA)

XXXX has submitted a collection three times on a bill that I do not owe. I have disputed it this collection twice before with XXXX CRA 's and it was removed. Now they have placed it with a XXXX collection company.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (KS)

I told Wells Fargo in 2017 that my identity was stolen and that the transactions were fraudulent. They closed my account and they took all my money in the account and my direct deposit, approximately {$600.00}, that was deposited into my account after the account was closed. They refused to give me my money back and submitted the account as a charge off with bad debt. Since 2017, they have been updating the account as a charge off every month and that is illegal.
Consumer complaint received 2017-02-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (RI)

Flagship Credit Acceptance is not withdrawing money to pay my auto loan and they keep sending non payment emails to me. I have checked with my bank ( XXXX ) and they have had no request from Flagship to withdraw the money. 
Flagship will also send me confirmation that money has been received but it was never removed from my account. 
I have been trying to pay off the loan in full and receive the title but have been unsuccessful.
Consumer complaint received 2016-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: I.C. System, Inc. (NC)

I received a letter yesterday, claiming from me {$92.00}. The name of the collection agency is IC System. The name of the creditor is XXXX. 
I called XXXX the day after wich is today, I spoke with XXXX XXXX, and he confirmed to me that my balance is {$0.00} since XXXX/XXXX/XXXX. 
Aproximetelly 20 days ago I filled another similar complaint with the same claiming amount, but with other collection agency name
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (VA)

I received a call from I.C Systems. They asked me to verify who I was and I would n't do it. They asked to verify my address and I would n't do it but then I asked them why were they calling, but yet they would n't say why until I told them who I was and verified my address. After I would n't do that, the guy got really nasty with me and I hung up the phone and then blocked their number on my cell. However, they still call my cell house phone that I do not answer. Every time some one calls from I.C Systems, they refuse to tell me why they are calling until I verify who I am, but I refuse to verify anything because they wo n't tell me who they are.
Consumer complaint received 2017-01-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

We submitted a modification package and filed a complaint ( XXXX ) in XX/XX/XXXX, and submitted a modification package per their request and the additional documentation you mentioned on XX/XX/XXXX. We received a letter of denial on XX/XX/XXXX. The reason for denial was they stated my income was {$11000.00}. As a result of this denial we resubmitted a complaint # XXXX with reference to our account XXXX. We additionally sent an entire new package with all our updated information and financial statement. Additionally a letter explaining our request was sent to Ditech to please review the information. That information clearly showed that our average monthly income at that time was not the {$11000.00} but was a maximum of {$9600.00} and asked for a complete review. The documentation was sent via UPS overnight on XX/XX/XXXX and delivered on the XXXX. In that overnight we included a letter outlining our request. To our surprise we received a letter dated XX/XX/XXXX and again on the XX/XX/XXXX stating everything they had in the first denial. In other words they never reviewed the package because their reason for denial was referencing the pay through XX/XX/XXXX and not the new data. No time was wasted as they sent it to foreclosure and we received a document filed on XX/XX/XXXX stating the property had a sale date already of XX/XX/XXXX. We additionally received your response dated XX/XX/XXXX. In that letter you mentioned if we disagreed with the income increment that was stated we could file a request to review. Obviously we definitely disagreed and that was why we had attached the information confirming our pay. They just never looked at what was sent to them. We are asking for someone to please open their eyes and review. Because my income at my prior employer was dropping every month as of XX/XX/XXXX I have taken a new position with XXXX I am only guaranteed a {$5000.00} per month pay so I will send new pay stubs to confirm. We need someone to review this properly as our desire is to keep our home.
Consumer complaint received 2015-04-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP (NY)

On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with Selip and Stylianou LLP. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified USPS mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that Selip and Stylianou LLP had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that Selip and Stylianou LLP served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AL)

I have a credit freeze on my account. FTC advice states that my report can be released to your existing creditors or to debt collectors acting on their behalf. XXXX XXXX Bank, an existing creditor, has sought my assistance in accessing my report. Despite multiple attempts & phone calls both by me & on behalf of me by the creditor, XXXX has been unhelpful in providing that access. Please assist me in helping this existing creditor have my report released. Thanks.
Consumer complaint received 2016-05-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Stellar Recovery, Inc. (OR)

In XX/XX/XXXX signup with XXXX was told it would work in the area I was living and that I had thirty days to return it- I returned it almost immediately and went with another provider -- he did not work correctly, connecting issues and dropping issues. I called customer service several times finally they agreed since we where out on the plains there could be connection or service problems in that rural of area. They told me what to do to send it back and I did. Only to discover years later 3 yrs later- they filed it into collections as if I didnt do something. I have tried to discuss and get it removed- collection agency refuses- I even talk with XXXX XXXX. This collections is wrong. Please review my credit I may get behind on Medical as Medical is sooooo hard but everyone of my consumer accounts get paid. 


STELLAR RECOVERY XXXX XXXX XX/XX/XXXX Open {$430.00} Account Details Last Reported XXXX Collection Agency STELLAR RECOVERY Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$430.00} Remarks Placed for collection Creditor Contact Details STELLAR REC XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NV)

The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you and god bless.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from XXXX, Equifax and XXXX Credit Reports. However, two weeks ago it reappeared on my Equifax reports. I never received any notification from Equifax that they were reinserting a State Tax Lien back to my report. I 've attached a copy of my paid state tax lien and a copy of my XXXX credit report showing no Public Records on XX/XX/XXXX. I 'm requesting Equifax remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (MI)

Two weeks ago, we started getting calls from Stellar Recovery from XXXX instructing us to call XXXX. When these calls come, no one is mentioned by name to call them back. We have not received any mailed past due bill regarding this fact. Back in 2008, we took a loan to pay off any outstanding bills-some of these were past due. Since this we have strived to make every payment on time. I have excellent credit scores. We have not called the number per warnings from other victims of this company. I was going to write them, but I do not have their address. I have already turned in a complaint to the FBI online. This seems like a scam to me. Please see what you can do and kindly give me a call at XXXX of a reply to this email. Thank you for your time and consideration ... XXXX
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (WA)

I went on line to XXXX XX/XX/2017 to check my credit score, and I noticed it had dropped down, I checked to see why, and I saw a Stellar Recovery ... XXXX, so I called this morning and found out it was a debt for {$270.00} with XXXX, I asked Stellar Recovery if they had a address ... .XXXX..account # XXXX ... .I never in my life lived at that address or had that account #, and I have not been with XXXX no time soon. This does not look good for my credit, I pay my bills on time, never late and I do n't have money to just give away. 
Thank You
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (AR)

On the date of XXXX XXXX, 2016, I filed a complaint against Stellar Recovery, case number, XXXX, for reporting to my credit reports I owed a debt which I did not owe. 
Stellar Recovery responded to my complaint by advising the CFPB they [ Stellar Recovery ] were removing the account from my credit reports. 
As of the date of this second complaint Stellar Recovery has refused to honor its promise to the CFPB and is still reporting to my XXXX credit report I owe a debt which I do not owe and an account that Stellar Recovery promised the CFPB and me they were removing from my credit report. 
I sent three letters to Stellar Recovery demanding the removal of their negative reporting. All letters were ignored. 
I the emailed the chief complaint officer for Stellar Recovery demanding removal of the account and even attached to my demand a federal lawsuit I would file if Stellar Recovery continued to violate the law and its promise to the CFPB. 
Stellar Recovery ignored my emails and as of the date of this complaint continues to report to my credit in a negative manner, violations of the FCRA and the FDCPA. 
I have now been forced to retain an attorney and a federal Complaint has been filed on XXXX XXXX, 2016, case number XXXX, XXXX XXXX of Arkansas. 
However, even after the filing of a federal lawsuit against Stellar Recovery, they still refuse to remove the negative and illegal reporting from my XXXX credit report. As the CFPB is well aware, a universal data form being faxed to a credit bureau will have the account removed in less than 24 hours. 
Stellar Recovery has lied to and thumbed its nose to the CFPB, even though it is facing a federal lawsuit. If the power and authority of the CFPB does not find this case worthy of using its authority to regulate this collection agency, then I am not sure what kind of case would be ripe? 
I am bringing this agency to justice on the civil side, and the CFPB should use its authority to send a message that conduct such as that of Stellar Recovery will not be permitted against consumers and against the CFPB. 
It is worth noting again that Stellar Recovery failed to respond to ALL communications to them to further discuss this matter and work with the consumer to resolve this issue. 
Thank You
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (AZ)

Seterus, Inc. is alleging that I have already had my " XXXX opportunity to qualify '' for a HAMP Modification. However, based on the history and handling of my prior requests for foreclosure prevention assistance, I do not believe that I have been given an unfettered opportunity to qualify for a HAMP. Moreover, as explained in the attached letter that CFPB is copied on, the attempted HAMP by XXXX was nullified by XXXX 's own deliberately improper processing of the HAMP and by the very language in the " Agreement '' itself, at Item XXXX, Section K -- titled " Additional Agreements. XXXX falsely reported to the U.S. Treasury Department that the " implementation process '' for the HAMP on my loan had been " completed ''. Then, with full knowledge that this reporting was false, XXXX proceeded to accept and apply Incentive money from the U.S. Treasury Department to the loan. This was all done by XXXX in a malicious effort to disqualify me from consideration of any HAMP modification in the future. When I refused to comply with XXXX 's request to correct its own error in the notarization of the Agreement ( after XXXX 's XXXX-month delay in even booking the modification ), XXXX proceeded with foreclosure process -- while at the same time having reported the HAMP as completed. When XXXX learned that I did not respond to XXXX 's letter, XXXX retaliated by cancelling my completed application -- requesting re-evaluation for foreclosure prevention ( My employment status changed during the XXXX-month delay ). The reason that XXXX gave was because I would not re-sign and re-notarize the Modification Agreement. But for the last-minute assistance provided through Arizona 's HHF fund, my loan would have been foreclosed on XXXX years ago. I believe that XXXX and/or XXXX have improperly, if not illegally, mishandled prior modifications on my loan -- preventing me from having an opportunity to properly be considered eligible for a HAMP modification. I would like the U.S. Treasury Department or other appropriate government agency to make the determination as to whether BofA/FNMA properly complied with the Servicing Agreements or followed appropriate guidelines regarding my prior requests for foreclosure prevention assistance.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

Equifax is reporting XXXX accounts on my credit report, refusing after XXXX written request for investigations to remove, and in violation of the FCRA, reporting information that has n't been updated by the creditor, so the true status is n't known or sought. The specific accounts are XXXX XXXX XXXX with account no. XXXX, and XXXX with account number XXXX to include XXXX inquiries that were obtained not with accurate information. To wit, if someone knows the name, and address of a person, and creates a social security number not the consumer, the actual credit report of that consumer will be visible, illustrating the actual social security number as well. This was done XXXX individual times on my credit report. In addition the aforementioned accounts have n't been updated in over XXXX months, and the credit reporting agency is acting as the creditor, which is against the FCRA
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I opened an account online with Chase Bank. I made a few deposits which all cleared. The day my largest deposit cleared Chase froze my account. One XXXX XXXX 2016 I was informed that Chase was closing my account and that a cashier 's check for any remaining funds would be mailed. 
It is XXXX on XXXX/XXXX/2016 and I just spoke with the department at chase which froze my account. I was told that Chase sent out a cashier 's check for {$25.00} for the remaining balance. After arguing with the Chase representative who ( shocker! ) gave me incorrect information the Chase representative put me on hold and came back and said there is an additional {$1000.00} in my checking account that is being held by Chase. I was told that Chase needed to " verify '' the check deposit into my Chase account for {$1000.00} that was written from an account I own at XXXX XXXX. The check cleared on XXXX/XXXX/2016 which is 12 business days ago. I am attaching my last statement from the account at XXXX XXXX which the check was written on as well as a front and back copy of the cleared check as well as screen shots of my online banking showing when the check cleared. I am requesting that Chase immediately release these funds to me in the form of a cashier 's check mailed to my home address which is also the address on the bank statement from XXXX XXXX as well as the address on the check that was written.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (CA)

I am contacting your company due to an issues I have been unable to resolve with Discover Credit Card Customer service. I had a secured credit card in the amount of {$700.00} and I paid off and closed the account in XXXX of 2016. Since then there has been no activity on the account. I am expecting my full refund in the amount of {$700.00} and when I spoke to a representative at discover they advised me I would be getting my refund in the beginning of XXXX 2016. then I called again and now they are advising XXXX 2016. This is very frustrating because those monies are due back to me and it is causing a great financial hardship for me because discover is holding monies that are due to me. I feel it is unfair because I paid the card off in XXXX 2016. I am requesting assistance from your company that I receive my refund immediately.
Consumer complaint received 2016-06-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

I 've been charged an unidentified fee of {$15.00} on XXXX XXXX 2016 titled " CORPORATE ACCOUNT ANALYSIS CHARGE ''. Shortly after it appeared on the account, I contacted PNC business. To suggest they were unhelpful would be an understatement. I contacted my branch manager. She was unresponsive. I contacted PNC business support AGAIN, and once again NOTHING ... no identification as to what the charge is or why it was charged. 

I want the {$15.00} charge removed. I do n't care what it 's for at this point. The lack of " customer '' service for an individual who has been with PNC for a decade and a half is unacceptable and I 'm one more incident away from moving my money to a credit union.
Consumer complaint received 2015-03-24
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (CO)

I applied for a loan modification with Suntrust Mortgage. I qualified for an modification option to convert from an ARM to a fixed rate mortgage. I was 6 years into the mortgage. I am a divorced mother of XXXX and ex-husband was on original loan. In divorce he had to quit claim as I did on his property. 

Suntrust required him to sign modification application but then when presented with quit claim, allowed me to proceed without his signature. I have completed the 4 month trial period and loan mod docs have been sent to me. 

Problem : They are now requiring ex-husband signature now. He is an unfriendly/uncooperative party and is trying to leverage his signature with his lawyers for a percentage ownership in the property and other stipulations. 

Suntrust will not let me sign alone even though I made the application alone and the calculations were based on my income alone. I need them to be compelled to allow me to sign alone. 

If I ca n't execute this modification I will have to default as I owe 6k on demand to go back to the original structure. The ex does n't care about defaulting he has family money and many lawyers. Please help me compel Suntrust to allow my sole signature on this modification.