davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

On XX/XX/ I received a letter from ERC stating that I owed {$5400.00} from XXXX XXXX from over 5 years ago. I need further verification about this debt from an account that was closed and a charged off amount. I sent a letter on XX/XX/XXXX requesting this information.
Consumer complaint received 2018-06-21
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: HW Holding, Inc (IN)

I am requesting the Hunter Warfield remove the account of XXXXXXXX XXXX XXXX XXXX from my XXXX and XXXX account. Please see the attached report from the Federal Trade Commission.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (AL)

I voluntary surrendered my car to the finance company XXXX XXXX in XX/XX/XXXX. XXXX XXXX has since sold the car and has charged off the remaining balance. In XX/XX/XXXX XXXX XXXX sold my account to the third party. XXXX XXXX is still reporting this account on my credit reports. I have made numerous attempt to have XXXX XXXX stop reporting this on my credit report since they no longer are the owners of my account but they have refused to do so. 

My account number with XXXX XXXX is XXXX. Telephone number for XXXX   XXXX is XXXX
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (IN)

Around XX/XX/2019, I began receiving a large amount of calls from numbers I did not recognize or that my phone classified as spam. On XX/XX/2019, my older sister forwarded a voicemail she received stating that an unidentified organization was trying to reach me regarding a complaint that had been forwarded to their office. They advised me to call the " law firm '' handling the complaint ( XXXX ) and reference a file number ( XXXX ). I called the number of the purported law firm and asked for identification and more information regarding this complaint. The person I spoke to cut me off and asked for my file number and put me on hold as soon as I provided it. She then came back on the line and started explaining to me that the call had come from a process server who was trying to make sure I would be home so I could be served with a complaint. I am a XXXX XXXXl and have extensive experience in initiating lawsuits and I know that process servers do not generally call defendants to effect service. I had also looked myself up in my state 's court filing system and there are no civil cases that have been filed against me. I advised the woman I was speaking with that I can not be served unless a summons and complaint have been filed and she admitted that nothing had been filed yet. I then asked who was allegedly suing me and she became very rude and said " You had an overdrawn Wells Fargo account -- do you remember that? '' I replied that I did remember overdrawing a Wells Fargo checking account over ten years ago and that any claims were therefore outside the statute of limitations. She became argumentative and refused to give me any further information regarding the claim. She eventually yelled at me to " look up bad check law, '' told me I was going to be served, and hung up on me. 

I called the XXXX number back and asked for the name of the company and whether they were a law firm. The person who answered this time advised that they are not a law firm and their organization name is XXXX XXXX. This person looked up my file number and advised that there was a notation that everything had been " dismissed. '' He apologized for the person I had spoken to previously and was much easier to deal with. He confirmed that nothing had been filed against me and that they were probably calling to confirm an adress to send out a notice via certified mail. I again confirmed that they were not a law firm and that I would like notice of whatever claims they have sent to me in writing. I thanked him and told him I will look for correspondence from them in the mail.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (PA)

account was open XX/XX/XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XX/XX/XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (TX)

I initially applied for a checking account with Citibank XXXX to deposit XXXX to receive a {$1500.00} bonus. The last step to open account was to provide a utility bill or lease agreement to provide proof of address, However, after learning that I would have to let my XXXX sit in account for 170 days without interest, I declined to send verification documents to let account not to be open. In fact, Citibank XXXX emailed me indicating I needed to complete this last step to create an account. Since then, I have received several emails indicating there is an account and I need to deposit money into it to keep it active. This is simply unbelievable!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (KY)

XXXX  unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks
Consumer complaint received 2018-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (SD)

I applied for a short term loan on XX/XX/XXXX through an online website for XXXX XXXX. I did not receive any details about the loan but the money was credited for {$600.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I requested that XXXX revoke my ACH agreement and that my payment of {$150.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. When I click on my loan agreement online I am redirected to another lender - XXXX XXXX XXXXXXXX but nothing appears except an error message. I get the feeling they are misrepresenting who they are. Neither XXXX XXXX or XXXX  appear to be licensed in South Dakota. 

The online account screen shows I still owe 13 more payments of {$150.00}. That would make a total repayment {$2100.00}. That is nowhere close to the cap of 36 % I expected. 

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (TN)

My loancare keep reporting false information to credit reports. These false reporting cost me jobs and personal and car loans. I have only 4 or 5 on time payment past 2 years reported which is false. Update correctly loan balance they got XXXX or XXXX + on credit report but XXXX on website and paper work XXXX. XXXX XXXX paid. 
XXXX paid. XXXX paid XXXX paid. XXXX paid XXXX paid. XXXX paid XXXX paid. XXXX paid. 
XXXX paid. XXXX paid XXXX paid XXXX paid XXXX paid
Consumer complaint received 2021-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

My Coinbase account has been under review since XXXX. 
My account is blocked. 
I have sent several tickets and emails and they do not solve the problem. 
I send my passport, drivers licence and XXXX several times. 
I can not access my money.
Consumer complaint received 2020-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

My loan was sold to a new bank. I've always paid my own taxes, homeowners insurance and flood insurance. Tha transfer took place two months ago from XXXX XXXX to p n c. I called both my flood and homeowner companies notifying them of the new lender. The new lender sent me a statement indicating my flood insurance is now escrowed and quoted me a federal law indicating they have that right. I have paid my own flood, homeowners and taxes for years. This doesn't seem right. I never agreed to it and my previous lender was okay with me paying everything without an escrow. I was not in control on the loan being sold. What can I do.
Consumer complaint received 2020-07-01
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)

ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX  XXXX XXXX XXXX  {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate
Consumer complaint received 2020-10-29
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: CITIBANK, N.A. (NY)

I am writing to dispute SEARS/CBNA Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but SEARS/CBNA continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.
Consumer complaint received 2020-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Customer service does not correlato with the loan department with consolidation methods. Just recently I filed a consolidation request with US Education Department to consolidate my student loans under XXXX XXXX so that XXXX XXXX would become my only servicer for my student loans. First Navient took its time in providing XXXX XXXX pay off information, allowed someone to change my change my address on my account Nd sent me sn email of an address change ; and sent me sn email that my forebearance period woukd end next month knowlingly that the consolidation and playoff process with XXXX XXXX was to take place this month. Previously before the address change had taken place, I sdvised Navient that my account had probably been compromised via XXXX breach, and Navient ignored my request to protect my account.
Consumer complaint received 2020-10-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MN)

Contacted Company about reporting account that was XXXX in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( XXXX ).
Consumer complaint received 2021-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NE)

I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my Equifax and XXXX  as the amount they are requesting is not valid.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Hi spoke with a representative this morning with Wells Fargo credit card department. I let him know that my account was still reporting as a charge off in my monthly payment status update. 

There should be nothing to report. Instead of an ( x ) there should be a (. ) or a NR - no report for XX/XX/2020 and continuing forward. Instead my monthly update continues to show an ( x ) like a missed payment or charge off. 


Please update monthly payment history. Remove ( x ) mark or charge off monthly status to ( NR ). 

I am aware my account status remarks will say paid charge off however my monthly update history since XX/XX/2020 should not report an active charge off like this account wasnt paid. 

Ive attached my documents below. Thank you.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AL)

I opened up a credit card and it was 12 or more months no interest. My credit limit was {$8800.00}. I received my bill and the company allowed someone else to more than double the limit. I had not problem paying the {$8800.00} limit! But they not only wanted all the money I was paying & the majority of the money was going to the interest so I felt I would be paying this account for the rest of my life! I sent a letter to the president and she refused to try and work something out! Is there anyway I can sue them? I am now have XXXX and do stressed out! Barclay card really did me wrong & I dont want that to happen to anybody else Please help me I borrowed money to get it down so I could pay it off but now I am still paying on the other loan & I am struggling
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd ()

I just cant see how much I got in my closed account on transferwise.com ( personal and business ) in the login XXXX because they just closed the account with an automatic answer saying " aftwer reviewing your account we decided to keep it desactivated ''.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I have a mortgage with PNC bank. I attempted to pay a principal payment over PNC bank website and the site is unable to accept a principal only payment. I find this constrictive and called PNC bank to investigate and was told this wasn't possible over the computer. I was told the only way to pay down extra towards my mortgage debt was send in a check and call them to have it adjusted to principal or pay a {$7.00} fee to process the payment over the phone.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CT)

On XX/XX/XXXX I rented a sod cutter from XXXX XXXX in XXXX, CT for my son 's XXXX XXXX  project. The sod cutter did not work properly, we called XXXX for assistance but they couldn't provide any. We returned the sod cutter and XXXX charged us the entire rental fee despite the fact the machine didn't work. We spoke to several managers but couldn't resolve the matter. I called Barclays the same afternoon XXXX to dispute the matter but they said I couldn't dispute it for 15 days and had to do the dispute online or by mail. I filed the dispute on XX/XX/XXXX and provided copies of the rental agreement and receipt. On XX/XX/XXXX I received a boiler plate letter from Barclays claiming I did not provide any documentation and they are unable to dispute the claim.
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

Dear, Consumer Financial Protection Bureau I am writing to dispute the following information on a lien judgment. I recently discovered this while trying to refinance my house. The below debt was previously discharged by my bankruptcy. 
The case number was XXXX. Discharge date XX/XX/17. By order of the United States Bankruptcy Court : XXXX District of XXXX, by the honorable Judge : XXXX XXXX XXXX Dispute 1 Account Number or other information to identify account : Citibank Credit Card account number is XXXX. Mailing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of claim was {$25000.00}. 

Debt sold by Citibank, to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. Phone : XXXX. Acct. number XXXX This creditor XXXX XXXX XXXX is now pursuing me, reporting bad debt and refusing to release Lien judgment.

Debt was included in Bankruptcy that was Granted and Order Discharged by the United States Bankruptcy Court of XXXX XXXX on XX/XX/2017 Please review this and help me reach a favorable resolution. Your help is greatly appreciated. 

I have attached a copy of my bankruptcy papers with the account in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX XXXX ( See attached copies 14 pgs. ) Order Of Bankruptcy Chapter XXXX Discharge Lien Judgment Schedule F Creditors List ( Listing XXXX XXXX XXXX ) Trustee Ledger ( Listing XXXX XXXX XXXX ) Notice of Chapter XXXX Trustees Interim Final Report ( Listing XXXX XXXX XXXX ) Creditor Mailing Matrix ( Listing XXXX XXXX XXXX. )
Consumer complaint received 2018-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CA)

I found out recently my loan was behind and I had a new Mortgage company Selene Finance ( They had acquired the loan from XXXX ) Last week of XXXX. I was informed loan payment had not been received in over 12 months I have proof this is wrong that at least 4 payments were made and the rest was an accounting error by my accountant. I called and spoke to XXXX XXXX told me amount behind was XXXX. They would not take a good faith payment from me as the loan was in foreclosure but would have a reinstatement quote ready for me by the XXXX at XXXX XXXX. I called at XXXX XXXX they did not have it I called back every day several time a day. ON the XX/XX/XXXX XXXX said they could not give me information, XXXX told me it would be another day I had to beg to get the amount owed I was seriously getting the run around till a lady ( an XXXX ) name XXXX was able to give the amount and where to send it to. By this time the amount past due was XXXX before the lawyer fees .The total now XXXX. I wire transfected this amount to XXXXXXXX XXXX the next day XXXX XXXX XXXX XXXX XXXX New York Acc XXXX. 
XXXX claims they do not have the money. The money left my account and went into account provided by Selene finance I called Thursday and Friday and they still could not locate it .I sent the copy of wire transfer to XXXX She is the ONLY person who has responded. Today the XXXX i received letters fro the title company that the loan was still behind and could be sold at any time.