davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NV)

This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
Consumer complaint received 2016-08-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

An unknown person cashed what appeared to be a counter check for {$6000.00} on my bank account with Suntrust in XXXX Florida on XXXX XXXX, 2016. I submitted a fraud claim on XXXX XXXX, and it has not been resolved as of yet when they told me it would be a 14 day period to resolve.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

Greetings, I am a resident of NC and a home owner that has had some hardship as having no employment to working XXXX jobs to keep my home. Ive submitted a loan modification to OCWEN a loan bank to please make adjustment accordingly to my income and adjust my interest rate to be affordable. However, they have denied and proceeded with attorney to for foreclosure / or short sale. I submitted paperwork and documents requested, paystubs employer statements over and over and they down play my income and deny any options. By the time you receive this i would hope that I am not put out. I would hope that they consider this is where i live. I want my home and I surely will pay. I only asked for a lower interest rate and an affordable payment. What affordable XXXX XXXX dollars with an interest rate of at least XXXX. 
They told me not to go to court that they would delay the foreclosure when in all I should have went and talked to the Judge. It seems they want me to lose the home giving such misleading advice.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I believed that the Costco credit card transition would go correctly, based on their mailings in XX/XX/XXXX that said I would receive a new credit card and updated bill. I never received the credit card, and never received a bill. I finally received the first statement a few days before it was due, with no credit card. So I could not log in to pay it, because I had no card to activate to get to the account. I tried calling them, but was kicked off multiple times due to their high call volumes. Eventually I was able to talk to someone who processed my payment and said they would send me the credit card so that I could have access to my account. The cards and revised statement should have taken 5-7 days. I did n't receive them before I went on vacation, but saw that they had taken the payment. 
Almost one month after talking to them, I just returned from vacation to learn that my Citibank bill is 2 months late. Before I left for vacation, the person on the phone from Citibank said they would 1 ) process my payment 2 ) refund my late fee 3 ) send me the credit card ( which I still 2 months later have not received ) and 4 ) send an updated bill. 

The most recent notice ( received 5 days before it was due ) from them saying that I am months late ( although the payment was processed, it is n't on their revised bill ), will carry a late penalty and up my APR, I have no way of paying the bill without a credit card to get online. I have been kicked off numerous times by their automated phone call system which says that the lines are busy. It has been a week, and I still have n't managed to get through on the phone. I can not log in to pay the bill ( no credit card activated ). Now the statement said my bill was over one month due and that they were going to add ANOTHER late fee and up my APR, meaning that they contacted the credit bureau about my late payment. 
They took my money and are charging me late fees for an account I ca n't access, and I can not reach them on the phone.
Consumer complaint received 2016-06-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a check for {$3.00} and it was denied, while my account had over {$500.00} in it. I called three bank branches and was given ran around and no explanation whatsoever why I was denied and charged {$2.00} and later another {$2.00} for the denied check. Representatives kept transferring me to the automated system, which was of no help to me. The last person XXXX, from the branch on XXXX XXXX XXXX was extremely rude and unhelpful.
Consumer complaint received 2016-08-08
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (FL)

I filed for bankruptcy back in 2009. Citi mortgage continues to send notices, call my phone incessantly at all hours and days of the week. 

I have spent countless hours with them on the phone holding to be transferred to different departments, sent letters with copies of my chapter XXXX filling listing them as creditors and yet it 's been 7 years and they continue to write me.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My lender Wells Fargo has set a slae date for XXXX/XXXX/2016 while asking me to provide additional information for their review of my modification.. I 'm told this is dual tracking.. They have put me under increadible stress forcing me to take legal action. I have repeatedly asked that the sale be postponed until we can provide the necessary documents requested, for review of a modification ... The loan on my home is a neg am loan and i have for over a year been trying to get this toxic loan modified ... Please help
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out to formally address a concerning issue regarding my recent credit card application with XXXX XXXX. It appears that multiple hard inquiries were made on my credit report for a single application, causing unnecessary and detrimental impacts on my credit score. I am respectfully requesting that these extra inquiries be removed immediately from my credit report. 

On XX/XX/year>, I submitted a single credit card application with XXXX XXXX, reference number XXXX. Since then, I have noticed that my credit report reflects several inquiries associated with this one application. These repeated inquiries have resulted in a significant decrease in my credit scores, affecting my financial standing and potential future applications. 

Upon receiving a letter from XXXX XXXX regarding my application on XX/XX/year>, I promptly contacted your customer service department to address this issue. I have since spent considerable time speaking with multiple representatives from XXXX XXXX, attempting to clarify why this error occurred. Unfortunately, no one has been able to offer a satisfactory explanation for the multiple inquiries. Instead, I have received apologies without any concrete answers or resolutions, which does not mitigate the negative impact on my credit score. 

To ensure the application could be processed, I followed XXXX XXXX  recommended steps. This included removing my security freezes from all major credit reporting agencies, including XXXX, XXXX, XXXX, XXXX, and XXXX. After doing so, I contacted XXXX XXXX  to inform them that my reports were unfrozen. Despite this, I was told repeatedly that my application could not be processed due to security freezes that, in fact, were no longer in place. Moreover, I have yet to receive a formal response regarding the status of my application, be it approval, denial, or any legitimate reason for the delay. 

Due to the financial impact caused by these multiple inquiries, I am formally requesting that XXXX XXXX  remove all the inquiries from my credit reports. Additionally, I ask that XXXX XXXX  provide me with written confirmation of the removal of these inquiries, which can be mailed to me at the address provided above. 

Thank you for your attention to this matter. I trust that XXXX XXXX  will take swift action to correct this issue, which will help to restore my credit standing and maintain my trust as a valued applicant. I look forward to receiving confirmation of the removal of these inquiries at your earliest convenience.
Consumer complaint received 2016-08-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I currently have a Bank of America first mortgage and I have been trying to refinance my first mortgage. 

Once the refinance process was started and title work was initiated it was discovered that there was a lien on my property as a second note.. Bank of America did do a modification to my loan in 2013 in which the payment and terms were adjusted. During the negotiation of the modification Bank of America never stated that they would be placing a new/2nd lien on my property. 
I have spent over eight months trying to identify who owns & services this lien and how I can achieve a payoff. I have contacted Bank of America, HUD and FHA on numerous occasions and none of them will take ownership of this second lien. Bank of America has told me numerous times that they do not own the lien and do not know anything about it. HUD and FHA have both told me several times that they are not servicer 's of loans and do not hold notes. 
So at this point I am very frustrated with Bank of America, HUD and FHA because I can not get any answers on this lien on my property. If no one owns this second then how and why is showing on my title??? 
With this Phantom lien on my property I am not able to refinance my mortgage nor would I be able to sell my home if I wanted to or had to. I am stuck and feel scammed.
Consumer complaint received 2016-08-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (CA)

J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and J.H. Portfolio with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
Portfolio validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX XXXX had been stolen J.H. Portfoliois very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime J.H. Portfolio must cease and desist all debt collection practices. 
In the event J.H. Portfolio or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DCN Holdings Inc. (NM)

To whom it may concern, I received a call from this Company XXXXs XXXXXX/XX/XXXXThe gentleman I spoke to was absolutely rude. I had money to pay for the debt and make payments from there moving forward. He refused to do that or for me to make payments unless I paid it in full. I asked well whats the lump sum amount I can make and I can see how I can come up with the money by that following Friday being XX/XX/2021. His company failed to contact me and I paid other debt I was owed. His colleague then called me by the name of XXXX where he was willing to take payment and see if they could work with me, his Manager took over the phone was extremely aggressive and began yelling at me over the phone. He said if I dont pay {$750.00} now he will not take any other payment. I said I would be able to pay the account in full by XX/XX/XXXX when I get paid he said " I dont believe youll be able to pay that in full if you cant pay {$700.00} now all i need from you is your lawyers information. '' Again unwilling to work with me to pay the debt and will not take payments. They failed to called me XX/XX/XXXX to pay it in full they are now threatening to take me to court if I dont pay they amount they want where I am willing to pay but they are unwilling to accept any payment at all from me. He began to further yell at me and threaten me over the phone where I dont feel its okay to be treate that way when I am trying to pay the debt but they wont allow me to? It makes no sense! I can make payments but if its no the amount they want they wont accept my payment and then threaten me they will take me to court and belittle you over the phone. No one should be treated this way its abusive!
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (FL)

I filed a dispute with XXXX regarding yet another account that is in collections in XXXX, which is due to stolen identity and the result was that XXXX is continuing to list this account as mine on my credit report. 

I have had identity theft going on for over 2 years and I am just beginning to restore my credit and now it starts all over again. I am very weary of filing complaints, disputes, affadavits, sending registered mail, faxes, numerous phone calls etc, etc.
Consumer complaint received 2016-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OH)

my husband and I have a pa aes student loan we are paying on we signed a agreement in 2013 we also gave permission to to a automatic debit weekly of XXXX dollars we have not missed a payment since we started this they told us 10 payments and we would be out of default I became XXXX and they told me that I needed to fill out paperwork to have the l oans dismissed nlet told me aes has me stil in default I told them no I have not missed a payment since we made payment arrangements and so far I have paid back XXXX since I started paying. I contacted them and they told me that I did not sign the paperwork I told them if I did not sign everything you would not be able to take the paments out why am I in default he told me that I had to start paying them XXXX weekly and when I started paying that and sign new paperwork I would be out of default and they will take all the payments I made and apply it to the loan but in the mean time since they have not taken the money I sent them and put it on the loan al this intrest has build up on it. com on what kind of scam are they trying to putl on me even thought I have been paying faitfully and they had me sign paperwork for automatic deduction and even thought they accepted al lthe money I sent and kept it in ther eaccount and never applied it to minehow do they get away with ripping people off like this its bad enough that my husband has to pay XXXX to a trade school he never hardly went to because he hwas mental at the time and they kept letting him take out student loans knowing he was in no condition to go to school let alone a trade school please can someone help us we have no more money to dish out and they are killing us financially
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2016., TransUnion responded to the consumer via the CFPB website. The credit reporting company promised to send copy of my credit report to the provided address within seven to ten business days. I did not receive the promised copy. Instead, I received a suspicious credit alert from another credit reporting company [ Expected ] or unexpected which is dated XX/XX/2016. I would not waste time submitting complaint against the latter because I sent copy by fax to the cfpb and the deleted information [ safety and security purpose ] is done accordingly., where ever applicable.
Consumer complaint received 2016-08-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (WI)

I recieved a phone call from the collection agency stating o owed {$500.00} from when i was in the hosp on XXXX for a XXXX.The only bill i ever got was for {$250.00} for the XXXX, which i paid.That was the ONLEY bill i got.All other bills were paid by XXXX XXXX or Va ( veterans adimistration ) .The last time i talked to the collection agency was XXXX when i was on vacation in Az , i told them i would be back home in XXXX and to send me a copy of the bill i owe but to this day i have NEVER recieved a bill from no one for that {$500.00} dollars.
Consumer complaint received 2016-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (CA)

CREDIT MANAGEMENT debt practices have notified me, for accounts collections. 
I contacted the XXXX major Credit bureaus, and Credit Management with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. 
I have not received any financial gain from the above account. 
The entities named above validated the debt as his, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts Therefore I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime they must cease and desist all debt collection practices. 
In the event Credit Management or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.