davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (PA)

I applied for a Discover Credit Card on XX/XX/2020. I had received two invitations from Discover within the past 30 days before I applied for the card, both invitations stating : 0 % Intro APR on Purchases and Balance Transfers for 14 months After your Into APR ends your standard variable purchase APR applies, currently 15.99 % -18.99 %. 

I checked my credit scores with XXXX XXXX on XX/XX/2020 and they were above 700. 

since they were above 700, I decided to apply for the card. 

I get the card, it comes with the 0 % Intro APR on Purchases and Balance Transfers for 14 months but it comes with an interest rate of 20.99 % Also, the card comes with a page stating my credit score is XXXX. 

I call Discover card on XX/XX/XXXX. I explain the problem and they tell me that the invitation interest rate is not set in stone and the interest rate is based on my credit score.
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..
Consumer complaint received 2020-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WA)

Hello, On the second day after the COVID-19 forbearance was announced I contacted Ed Financial Services via their customer questions form. I did this because I couldn't get through on my first calls and they had not updated their information like my other student loan lender XXXX. I checked back for weeks and they never updated the site, saying information was coming soon. This is why I attempted to get this filed electronically. 

However, they claim I failed to make payments and have filed a report with every credit bureau. This is the first time I was alerted to a problem. Unfortunately due to the amount of telephone fraud I do not answer my phone, preferring communications I can login and verify prior to giving up personal information. Also, it appears the number they call me from is marked as spam by my cellular provider XXXX. The last email I received from Ed Financial was in XXXX long before the covid-19 bill took effect. 

They now have corrected the error with the forbearance but are refusing to fix the ding on the credit reports. This negatively impacts my credit score, ability to buy a house, apply for loans or reduced interest rates. Prior I had a perfect credit history in this regard. 

I simply want the false negative records on my account removed and to have Ed Financial take some responsibility for not taking customer service communications seriously. They could have emailed and I'd have dealt with it right away.
Consumer complaint received 2019-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NC)

My mortgage servicer ( Selene Finance ) has placed numerous fees on my account which continuously keep me behind on my payments. The fines are unnecessary and phone representatives are unable to explain them. One fine in particular is a property inspection fee which is unnecessary and is charged to my account each month. 

Another issue that I have with Selene is the fact that the company breached my privacy by divulging my personal information without my consent. Selene sent a representative to my home when I was not home and a family friend who was at my house was asked : " when do you expect the loan to be brought current ''. 

Also, my mortgage changed servicers several times. The first time it changed I was in the midst of a mortgage modification with XXXX. During the process XXXX lost my paperwork, denied my request, and committed numerous RESPA and TILA violations. I made some payments during this time however XXXX was unable to show where the payments where applied to my principal. Ultimately my mortgage was transferred to 2 other servicers then to Selene who eventually finalized the modification. The modification placed almost 10 years worth of mortgage payments on the end of my loan which placed me underwater with my home. 

I would like for a consumer finance representative to assist me with this case.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX DOB XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Consumer complaint received 2019-03-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MO)

I was supposed to come in and make my payment on XX/XX/XXXX. I did forget to make the payment. Tower loan proceeded to pull a skip tracing report on me and contacted my biological mother whom I have not spoken to in 30 plus years ( she abandoned me when I was XXXX ) This was followed up by the biological mother locating me and contacting me via XXXX. The distress this caused me was uncalled for, the company did not contact my cell phone only my work phone ( I was gone for the day ). I called the company and spoke with XXXX. XXXX admitted she did make the call. I asked why did she not call my cell phone ( no missed calls or voice messages ) She did not have an answer to this but only stated " She was doing her job ''
Consumer complaint received 2019-08-23
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: WELLS FARGO & COMPANY (FL)

I had a Wells Fargo Credit card and on XX/XX/XXXX I awoke to an e-mail stating that Wells Fargo had rush requested my card be sent to XXXX XXXX XXXX XXXX XXXX I live in Florida - have my mortgage on my house with Wells Fargo in Florida the last purchase I made with this credit card was for a hotel in Florida and they still rush requested my card to TEXAS! 

Not only did they do this but when I called to inquire how in the heck this could happen the account representative told me about charges from XXXX and XXXX 's that were flagged as fraud. They were in fact fraud but I didn't get a notification or anything and even though they were flagged and we discussed this on the call they STILL allowed these charges to be put on my card! 

So, I had to call again and again and they closed that card and moved the balances over to a new card INCLUDING the fraud charges! I had spent hours trying to reconcile what they had done to no avail but they finally got the balance somewhere close to the actual amount owed. Although they made absolutely no concession for the hours and hours of my time that they wasted for their fraud. The circumstances of the situation are such that Wells Fargo is complicit by their gross negligence if not directly but I believe it had to be more direct, insider fraud. 

So, the account was closed a new onXXXX opened but I kept the new card off and did not activate it. Then on XX/XX/XXXX I awoke to another e-mail from Wells Fargo telling me that despite all of this activity identifying fraud on my card and all of my pleas for their help in preventing further damage they had shipped my card AGAIN to Texas : XXXX XXXX XXXX XXXX XXXX This could not have been done by someone calling in AGAIN after all the activity on my account and just saying send the card and an actual person at Wells Fargo so XXXX that they just did this. There must be more complexity to this fraud that is system related and that Wells Fargo is refusing to disclose. A colleague of mind XXXX found out her credit card was shipped to New York without her permission or knowledge after she heard my story and checked her account. 

I closed the account but I have no faith that XXXX can keep it closed and free from fraud so someone needs to step in and hold them accountable.
Consumer complaint received 2019-06-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

I was XXXX to XXXX for the past year. During that time I was late on some mortgage payments. Wells Fargo has credited back all of my late fees however they will not remove them from my credit. These lates are causing me to not be able to refinance my home ( cash out refi ) so that I can pay off all my bills.
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (NJ)

On XX/XX/XXXX a notice of wage withholding executed by Weltman Weinberg & Reis Co LPA, received by XXXX XXXX related to a judgment obtained by XXXX XXXX XXXX # XXXX issued XX/XX/XXXX. The judgment and writ of garnishment were obtained and executed using my social security number ; address and place of employment along with another individuals name. On XX/XX/XXXX, I brought this to the attention of XXXX ( XXXX ), with XXXX XXXX XXXX 's Attorney 's office DBA Weltman Weinberg & Reis Co LPA and she instructed me to submit an FTC Affidavit, with my proof of ID to her legal department C/O XXXX XXXX direct fax of XXXX for XXXX to correct and remove my personal information from their files, judgment and release the garnishment. I faxed the requested information on XX/XX/XXXX and received confirmation of the completed fax. Since that date I've contacted and left messages for both XXXX and XXXX four times without a response back. 

I want the attorney firm that obtained the Judgment and filed the writ of garnishment to produce their proof of due diligence to properly verify the debtor, related social security number, place of residence and place of employment identified and used for obtaining the judgment and writ of garnishment. I want verification of the receipt of my fax proper handling and release of the writ.
Consumer complaint received 2019-03-26
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)

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3.  Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (PA)

I checked my credit and saw the Navy federal balance of {$580.00} that's reporting negative from a credit building card to help me since i'm a young student. I would like to pay the balance and reopen the account. I was facing student hardship and was in between jobs. I am young and trying to be a responsible spender but its hard when you have limited job skills because college doesn't teach you skills to get a job you a job during and/or after ; it keeps you unemployed more often than not. In trying to better myself by attending college while i was barely making do, I had to miss meals as well to make sure my light bill and rent was paid, resulting in being delinquent on my credit card. However, I have since gotten a new job with better pay. I want to right my wrongs, and i would like Navy Federal to reconsider and understand. Im sure everyone who is in a deciding position remembers being the hungry student in college trying to make do with your PT job and financial aide. If i don't take care of this now, it will affect me negatively for years and i won't be able to get a job within my major, which was Finance. You can not have bad credit when trying to work in a banking environment. Im also currently enrolled to get my XXXX XXXX XXXX so that i can advance into XXXX XXXX.
Consumer complaint received 2019-07-27
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. (GA)

Equifax is inaccurately reporting that the XXXX XXXX was 120 days late in XX/XX/2019 when the balance has been paid in full ( balance {$0.00} for more than 3 years.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (VA)

I paid my mortage balance of {$1.00} in full via a XXXX billpay check on XXXX XXXX, 2016 to BSI Financial. BSI refused to apply my payoff to my account and instead continued to send me late fees XX/XX/XXXX on a {$1.00} balance!!! Upon speaking to a supervisor, I was informed that they could not apply the final payoff payment until I paid them {$41.00} to record the deed with the courts as PAID! I requested proof of this policy in writing which I never received. On XXXX XXXX, 2016, I sent the {$41.00} recording fee anyway so that I could be DONE with this crooked company who has refused to apply payments in a timely fashion for the last 4 years!!! Now, they refuse to still apply the final payoff of {$1.00} and refuse to complete the recording of my payoff with the courts and continue to send me late fees on {$1.00}! Why is this company still in business!!??
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I was charged a insufficient funds fee of {$34.00} on XX/XX/2019 for a transaction made on XX/XX/2019. Also on XX/XX/2019, I made a deposit to cover the transaction. 

When I called the bank to request a reversal of the fee because I made a deposit to cover it, I was advised they would not be able to do that. 

They also have the incorrect date for the transfer. I made the transfer to cover the transaction on XX/XX/2019, and not on XX/XX/2019.
Consumer complaint received 2016-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (LA)

I disputed an item on my report because it was paid in full but was not reflecting that payment was made. I contacted the collection agency and explained that the account was paid in full and faxed a letter and receipt from the original creditor stating this. When investigation on dispute was completed it still was not updated.
Consumer complaint received 2019-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CO)

Our home went into foreclosure so we sold it and paid off the remaining balance and were issued a {$1200.00} check from what was left over in our escrow account. We deposited the check and 2 weeks later the lender issued a stop payment. We called and were told it was due to us and they would issue a new check. We never received the 2nd check. We called again and were told they would look into it and call us back, no one called. We call again and are told the check would be cut and we would receive it in a week, still no check and no call as to why. We paid our loan off in XX/XX/XXXX and it is now XX/XX/XXXX and still no check.
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (NJ)

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 XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2020-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I had my commercial lender pull my credit for the commercial building I'm buying for my medical practice. I was shocked to find out Wells Fargo reported me 30 days late and past due for XX/XX/2019. After further investigation and contacting Wells Fargo, I found out that my automatic bill pay with my bank was somehow canceled. When this payment did not arrive at Wells Fargo, I was not properly notified. My communication preferences with Wells Fargo are set for email only. I was very clear with Wells Fargo about this because I am a very busy XXXX, I run a XXXX XXXX and own several XXXX XXXX. Because I am rarely home, my communication preferences were set to email only, yet I did not receive an email from Wells Fargo nor did I receive a notification in the mail. If I had been properly notified by email that the payment did not post I would have been able to make a manual payment prior to becoming 30 days delinquent. Because I was not properly notified, Wells Fargo reported me 30 days late to the credit bureaus and causing a significant drop in my credit scores. My scores dropped to a point where I no longer qualify for the financing on my commercial building.
Consumer complaint received 2016-05-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NY)

PNC is a bank that uses predatory, misleading, and bait-and-switch tactics to trap customers. I was convinced by a PNC bank representative to open up a checking account with them. He told me that I 'd even get a {$400.00} bonus credit if I receive direct deposits onto that account totaling {$5000.00} or more. I direct deposited over {$5000.00} as dictated by the terms. No bonus credit was ever received. 

As if that was n't frustrating enough, the bank will not let me close my account without charging me a series of ridiculous fees. This bank is extremely predatory, lies to its customers, and traps their money. Even leaving my account open, they have found excuses to charge me various " service charges. '' I have, several times, attempted to contact PNC Bank, only for their representatives to hang up on me spontaneously without addressing my problem at all. This bank will absolutely attempt every tactic to frustrate its customers into being complacent with having their money stolen.