davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (KY)

On XX/XX/2018 I received an email regarding my account being unavailable due to a high volume of use within the company, I had been declined for a charge earlier that day note some of the documents are unavailable to me because I am blocked from my account. I had tried to call for 4 days with no luck there phone lines where busy the whole time and I was not getting through, on the 4th day which was XX/XX/2018 I got through to dispute a charge from an atm I had attempted to draw money out of but was declined and charged anyway. The customer service rep told me there where three charges total and being blocked from the account I didn't know any better so I let her dispute them, 3 days after that on XX/XX/2018 I tried to use my card for an {$8.00} purchase and was declined, after calling customer service they informed me that I was permenately shut out of this accounts which I also got an email for at XXXX and that any and all matter should be sent via mail to the consumer relations dept. so I wrote a letter and sent it that day. For the next 8 days I called everyday and wrote 2 more letters asking for my refund check to be issued. Under the circumstances I had {$240.00} left in my main account and {$4000.00} in a set aside account. The {$240.00} was issued and sent I received it today XX/XX/2018 but due to the remaining funds being in a set aside account they had to unlock it at this time it is XX/XX/2018 I called because they had taken a direct deposit on this permentley closed account from the Kentucky revenue dept. for {$720.00} now they have {$4700.00} plus I still had not received the {$240.00} yet so I called and they said that no refund checks had been issued but my account could be reopened and a new card issued so I paid bluebird {$20.00} out of that account to overnight me a new card I have emails for the XXXX tracking and the email that confirms my purchase on Saturday XX/XX/2018. On Tuesday XX/XX/2018 I received the new card I had been trying for 2 day to change the funding source so that I could transfer the money to another account with XXXXXXXX XXXX which was confirmed yesterday XX/XX/2018 I woke up this morning with another email saying my account was premenatly closed. This had been going on for close to a month I cant pay an attorney to fix it cause I live on a fixed income this could severely hurt my financial situation. I just want my money back.
Consumer complaint received 2018-03-15
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Immediate Credit Recovery (IN)

XXXX XXXX called into my place of employment. I asked for the name of the company. female hesitated and went on with call as though she did not hear me. I asked again she finally reveled where she was calling from. I then told her that I am not to receive calls at my job. I asked that my number be removed. she laughed and said no. However she didnt know that the whole call was being recorded
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX, an unknown party used my personal information as well as my wife 's to open a fraudulent personal loan account with a company named XXXX XXXX XXXX. The credit application and ensuing loan were generated without my wife or me having contacted the bank for any reason. We also never received any check or wire transfer for this loan. Since the day the account was discovered on our credit report after it was already open, we have contacted the XXXX XXXX  on XXXX separate occasions to inform them of this fraudulent activity with the expectation that they would investigate and close the account. I have also initiated disputes with TransUnion XXXX  XXXX for my credit report. As of XX/XX/XXXX, the account is still unresolved and XXXX XXXX  asked for a past due payment. 
The loan in question was opened for a total of {$5000.00} without any direct knowledge from my wife or me. We never received any form of contact from this bank leading up to the loan. We never were contacted or provided any documents after the loan was processed, including any bills for payment. This is an indication of fraud as well. The loan has clearly been opened without our involvement and we also have no physical record of any loan from XXXX XXXX or documents related to it. 
XXXX XXXX XXXX contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-13
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. (IL)

I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX XXXX, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (CT)

Avant is reporting an amount on my credit reports of around {$6800.00} plus interest for several years now, exact amount is now available to me at this time. The funds were never received, deposited to an account which is not mine. Regardless, Avant is attempting to collect on debt by reporting amount plus interest. This loan appears to have been applied for online in which case, documents were signed electronically and there is no proof of actual signature in which case, Avant has little to no proof I agreed to any terms of loan which as stated prior, was not received.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (GA)

My mortgage servicer, Seneca Mortgage, allegedly paid my property taxes on XX/XX/2016. It transferred my mortgage to a new service shortly thereafter. The county I live in claims it has n't received the payment nearly a month later. When I call Seneca, I ca n't reach a live human to get information on the disbursement. If I enter my old account number, the automated system just forwards my call to the new servicer, who does n't have any details about the alleged payment except for date and amount.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent numerous certified letters to All 3 bureaus and never received a response via mail. One certified letter I sent was over 45 days until I had to call. It was about 4 accounts I asked them to validate and I never heard back from them. They stated it was verified almost 60 days when I called to follow up. But they never sent me what I requested. They have no actual evidence that those accounts are mine. 2 of them are actually hippa violations.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (AZ)

rush card, stated that there was computer maintance on XXXX/XXXX/2015. I was unable to withdraw any money from XXXX/XXXX/2015 untill now XXXX/XXXX/2015, and i still can not with draw any money, or even speak to any one at the XXXX XXXX XXXX, customer service number, the web site constantly goes down, and the only way to get any information is to XXXX, i don not tweet, i have to go on the XXXX page of XXXX and rush card to find infromation, but non is helpful. i have told throught face book that they are still woerking to get the problem solved, i also was told to send my social security number, name and adresson open web site and they would contact me, i did not do this, because i have already no acess to XXXX that is still tied up in this transaction. i have borrowed so far XXXX from co workers and getting alittle fed up with the prcoess, and the way this is beeing handled. please assist meThank you, XXXX XXXX
Consumer complaint received 2016-10-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (OH)

Continue attempts to collect on debt that i never made.. i told them it was not mine and they persist on attempts and add more charges.. that are also not mine ... they keep bringing my credit score down and attempt to bully me in yo paying this debt i do not owe..
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (TX)

in XXXX an account was opened with the company XXXX XXXX XXXX a loan company, and a loan of $ XXXX was taken out using my name, social security number, and date of birth. I was unaware of this account until XXXX of XXXX and since then have tried to dispute the account with XXXX to no avail. I have also contacted the debt collection agency, ( CREDIT CORP SOLUTIONS, IN ) that is now in charge of the account and they have only offered to reduce the balance owed forcing me to pay off a fraudulent account in order to have it removed from my credit report. 

Contact info for CREDIT CORP SOLUTIONS, IN Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (NM)

Ability Recovery Services keeps calling me about an outstanding debt. I attempt to talk about the debt and recieve very hostile treatment from the agent. The agent 's name was XXXX. I called and asked what this was about, she said I had an outstanding debt with XXXX XXXX ( somewhere I do not recalll attending ). She bluntly states " Do you want to do anything about this, or not? '' and I said " What can i do? '' the agent then says of course not, you'll have an outstanding report on your credit in full, and hung up. This particular company has attempted to collect on this debt many times and everytime the agent is very hostile, and has threatened law enforcement action in the past as well.
Consumer complaint received 2020-06-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

My loan is relatively new loan, refinanced in XX/XX/2019. I have a VA loan with an escrow account that lender is required to pay home owners insurance and property taxes. I received property tax delinquent notice for winter taxes. Lender attributed this to timing of the loan and was not sure who should have paid, either previous lender or current lender. Either way, they did get paid. I have now received another property tax delinquent notice for next round of property taxes due. 


Lender is Lakeview Loan Servicing LLC.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank XXXX. opened a fraudulent checking account in my name. XXXX unlawfully sent via XXXX XXXX Mail falsified checking accounts statements for XXXX MONTHS : XXXX, XXXX and XX/XX/2021 to my home address. 
Wells Fargo is aware of their intentional fraud, corruption and ongoing illegal behavior against the victim. See XXXX XXXX XXXX states : Line XXXX ) The " Deposit Account Agreement '' was opened XXXX XXXX effective XXXX XXXX. 
Line XXXX ) All aspects of agreement remain the same and update language will control XXXX XXXX ) redirect payments to another account. 
This is the XXXX time Wells Fargo has falsified my name on bank account documents, fraudulent assignments and its still ongoing. I reach out to CFPB and its the same XXXX letters from Wells Fargo saying nothing. Will you enforce the PATRIOT ACT? 
In closing, I am a victim of many unlawful violations of Consumer Protection, XXXX XXXX XXXX XXXX, Federal Laws and Privacy Laws and a senior abuse. I AM REQUESTING YOU TO PLEASE TAKE ACTION AND STOP WELLS FARGO UNLAWFUL PROFIT!
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX was notified by me in reference to some inaccurate accounts on my credit report. I have notified XXXX priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed  over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for XXXX is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX the Internal Revenue Service filed another a lien against my personal estate, XXXX # XXXX in the XXXX XXXX register of deeds office. The lien was satisfied XX/XX/XXXX. TransUnion credit reporting agency says they will not delete this account until XX/XX/XXXX.Transunion feel it should stay on my report until then because it was not satisfied until XX/XX/XXXX and they are acting on the date it was satisfied and not on the original filing date of the lien. The date of deletion for this file should be XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TFC Credit Corporation of California (CT)

I attended XXXX and graduated. I was told that I would receive my certificate two weeks after my graduation. I waited and received nothing. I called the school and was told that I needed to finish paying my student loan prior to receiving a certificate. My husband has numerous degrees and said that he never had to wait to pay his loans prior to receiving a degree or certificate. Then XXXX closed its doors and went out of business. I still get billed by the company that I received the loan from, however, I have no certificate or promise to receive one from XXXX.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

I went to XXXX to have my pearl necklace strung with silk and a XXXX yellow gold clasp. When I got it home I could not get it on so I took it to another jeweler who said it was not XXXX yellow gold but gold filled. I was so hurt. You ca n't tell if it is what you asked for unless it is appraised. I did everything she asked for and I even gave her {$390.00} up front as half of what she asked for even before the work was done. That is not customary. Then I gave her the other half {$390.00} when I picked it up. I disputed it with the Credit card company J.P.Morgan Chase they took off one XXXX then they returned ( 2 ) payments of {$390.00} even thought they only took one off my account. That was so mean when I sent them everything in writing and the picture from the other jeweler. I closed the account. I now owe them $ XXXX.- {$780.00}.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

Chase approved a deed in lieu in XX/XX/2016, before selling the servicing to XXXX. Because they never ordered the assignment of mortgage, I 'm at risk of an illegal foreclosure. I just got off the phone with Chase and they said that the assignment was ordered on XX/XX/XXXX. This was after my constant follow up over a month ago. Today after speaking with Chase, I called XXXX county myself and they told me that they 're up to requests from XX/XX/XXXX. Chase should have ordered this in XX/XX/2016 but they clearly missed it.
Consumer complaint received 2015-04-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

Just started working, received my XXXX paycheck and wellsfargo student loan service took all but {$200.00} out of my acct. I never gave them permission nor my account info. The bank did an " investigation and left a voicemail stating they were not refunding the money and that I need to call the student loan company. I will be closing my account on Friday. Wells Fargo is the bank and the student loan company. The student loan was supposed to be differed. They made no attempt to contact me before taking money. After the money was taken, I received a letter stating they were using the " reset ... ''.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I engaged PenFed Credit union for a mortgage refinance in XX/XX/2020. A property appraisal was paid in full and no response from " underwriting '' has been provided to date XX/XX/2020. They have stopped providing updates to me as a consumer and I have provided all required documentation. 

I have requested a copy of the appraisal and it is yet to be sent bak to me. 

PenFed Credit Union underwriters, staff and management do not provide customer service. 

I have done over XXXX mortgages in my lifetime, this has far been the most unprofessional process I have ever been exposed to as a customer. 

No updates, No Answer, 6 Months later no completed underwriting. 

Stay away from XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX  XXXX.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).