davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I have tried to open a new bank account and I was denied. I received a report that wells fargo has purged me. My account was wrongfully closed on XX/XX/2015. Because a neighbor of mine who also works at wells fargo falsely accused me of harassing her while I was at the bank, taking care of my own banking business. I was taking to my banker at her desk and there is video surveillance to proof I was only dealing with my banking business. At the time I had a check for {$95.00} to my doctors office and wells fargo said they will still pay it. But several months later my doctors office in formed me it had bounced. And this is what is reported on my banking data. This district manager who falsely reported me to XXXX is the one who got my account closed. Wells fargo was not exercising their right to close it before she falsely accused me of harassing her. She falsely accused me once before and thought that, she got away with it then she would start giving me trouble again. Wells Fargo did have bias against me because of her when they closed my account. I still have the letter from XXXX. I tried to apply for a new bank account. Wells Fargo knew exactly what they was doing when they reported this false information on my credit report. This employee XXXX is making my life a complete nightmare. This is very " Unethical Behavor ''
Consumer complaint received 2016-05-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN FINANCING CORPORATION (NC)

My husband and I looked at American financial for a fha home loan. During the initial process the numbers they quoted us was not what they presented to get us to sign but they had greatly padded the loan and all number were much higher. We went with another lender and informed American financial. The second problem came when they drug their feet on transfer of the fha case number to our new lender and after all this they emailed us a bill for {$500.00} for the appraisal when we paid for our appraisal with our current lender. We never signed a letter of intent with American financial and yet they billed us anyway. We did not sign anybody the documents they tried to get us to sign. when we complained to them and told them we were not paying them any money they told both my husband and I different stories of what happened saying it was an automatic process that the appraisal fee was generated because it is attached to the the case number but we took our business to another lender and they had no right to bill is for work our lender is doing. We contacted them repeatedly telling them that we never signed a letter of intent and they knew we had chosen another lender. Why are they monitoring our loan with another lender and trying to bill for work our lender is doing and that we have already paid for.?
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is listed as an adverse account placed for collection. It states joint, open account but paid in full. I am single and this date is over 5 years ago and I was single then too. It states updated 2015? I do not have an account with them and never had any joint accounts? It states paid in full but has not been removed? Please have this removed. It is Transunion and the adverse account is XXXX
Consumer complaint received 2016-07-06
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (AR)

Commonwealth Financial has an open account of {$770.00} from XXXX XXXX XXXX ( Original Creditor ) which identical to an account XXXX Has recently removed from my credit. Commonwealth Financial also has an account opened for collection XXXX/XXXX/XXXX, however the Original Creditor ( XXXX XXXX ) turned the account over to COMMONWEALTH XX/XX/XXXX. Not to mention the service the doctor is charging me for was never rendered. In his report he list trying 4 failed attempts at XXXX which was beyond his maximum allowed attempts. Resulting in admission to hospital for XXXX directly due to the doctor 's inability to perform. Causing further medical expenses to myself such as extended hospital stay, XXXX due to negligent medical practices. XXXX XXXX is at fault and is represented by XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

Since XX/XX/XXXX, I have been going back and forth for months to have my request for income-driven repayment processed and approved. Finally, in XXXX I was told my application 'expired ' since it was not processed by FedLoan within 90 days and had to resubmit all documentation for the third time. I had been previously told otherwise and spent countless hours on the phone trying to figure out what was going on. In between this time, I was told that I had to pay a standard plan payment while I waited for a decision. Not being able to make a payment over {$1500.00} a month, I was forced to go into forbearance while interest accrued. They continuously provided me with confusing and contradicting information, specifically when recommending which plan to choose and about the status of my application. Anytime, I called back with questions I had to speak with someone else and received a completely different answer. Twice agents told me they were not sure why another agent made their recommendation as it did n't make sense. The lack of knowledge and errors is infuriating and unacceptable ; it not only takes time out of my work day but I am left clueless with no where to turn after each call. 
Due to the misguidance of multiple FedLoan Servicing customer service agents I start XX/XX/XXXX in the same place I was last year, misinformed regarding my loans and still receiving inconsistent answers. The question is do I give in and now pay the incorrect calculation in order to move forward ... Or continue fighting for complete, accurate, and up-to-date information about my finances? Student loan holders not be forced make this decision!
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

To whom it may concern, I had a mortgage with Wells Fargo since XX/XX/XXXX, and just recently XX/XX/XXXX my house was foreclosed upon and sold at sherriff sale. I tried for a loan modification with them supplied them EVERYTHING they needed twice. They did not help me, said I did n't qualify because I did n't make enough money to pay a mortgage. So now we have to be out of our house by XXXX per the sherriff. I am highly XXXX, considering Wells Fargo was bailed out by the government and they could n't even help me and my children keep my house. I am tired of playing the game with the mortgage company considering they are getting an empty house when it has n't even been sold, and putting a family of XXXX on the street, with as of right now nowhere to go while they sit making their XXXX figure checks, I hope they can sleep at night knowing this. I am not going out without a fight, this is my house and I could have been paying them something even if it was not what they were asking for monthly, they could have obliged!!!! Also my housing Counselors office ( XXXX ) that was supposed to file all my paperwork, had me do everything minus what I could n't and she could do. I feel they did not go above and beyond helping the customer out while them too are getting government funding to do their job, it 's a disgrace how many times I had to go to court to be told the same thing that Wells Fargo is tired of trying to help me out ... really, when did you try to help me out? When you sent me the foreclosure papers, not helping me with a loan modification, sherriff sale eviction, which one did help me out again with, I 'm confused. They should be ashamed of themselves all of them, from the top to the bottom. You did n't help anyone out but yourselves in your pocket.
Consumer complaint received 2016-12-12
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

I will be addressing Fraudulent Note XXXX and Fraudulent Note XXXX Federal Truth-In-Lending Disclosure Statement Tax/Insurance Payment Notice XXXX Addendum-No. XXXX to uniform Fraudulent Residential loan application The Borrower 's Certificate The Lender 's Certificate XXXX XXXX XXXX Wells Fargo Authorization to disburse the net proceeds from the re-finance of the premises according to the fraudulent ( XXXX ) Title Insurance for Title No : XXXX Notice of Owner 's Title Insurance The Lump Sum Disbursement Certification ( For Borrowers requesting at least 25 % of the Net Principle Limit as an INITIAL LUMP SUM DISBURSEMENT ) By signing below, the borrower ( s ) acknowledges they have been advised that the Federal Law prohibits using any portion of the Lump Sum disbursement of HECM Loan PROCEEDS for payments to or on behalf on an estate planning service, as that term is defined in Paragraph XXXX. XXXX APPLICATION STATES THE DISBURSEMENT WILL BE A LINE OF CREDIT.
Consumer complaint received 2016-04-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (GA)

XXXX XXXX XXXX, acct XXXX .... I submitted documentation to XXXX, and XXXX. I have sent certified mail via USPS to address on file with XXXX and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked XXXX, and XXXX to delete item from my credit report as unverifiable, but XXXX, and XXXX has refused to take documentation that I supplied to delete and XXXX refuses any correspondence from my attorneys or myself. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplied the XXXX-credit bureaus with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account, but none of the complied. Additionally, I asked that each bureau provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated my XXXX file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016 ; updated my XXXX file that I owed {$4600.00} on report XXXX dated XXXX XXXX, 2016. This creditor is intentionally trying to destroy my credit by updating false information and XXXX is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation. 
This creditor is using reporting laws to illegally affect my credit and the credit bureaus are ignoring the reporting laws to assist this company in its illegal act.
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Financial Corporation of America (TX)

Financial Corporation of America has been calling my hospital trying to contact myself and I am an XXXX. My understanding is they are not allowed to try to contact you based on XXXX if they know your employer prohibits the consumer from receiving such communication. I am unable to leave patient rooms to speak with them when they call to tell them to stop calling.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have repeatedly requested that PORTFOLIO RECOVERY ASSOCIATES provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation (TN)

I am currently behind on a loan with Regional Finance in XXXX. I left my job for another and was promised more money at the new job and that did n't happen. When I went into the office, like I had promised to do, to talk about getting my loan caught up, I was told to take all mine and my boyfriend 's money, pay all my bills ( as in get everything caught up ) let his car payment with XXXX fall 3 months behind and then leave him and move back in with my mom. Now I do not have a bad relationship in my personal life but giving advice like that is not okay. So I was informed if I do not make a payment by Friday then they would continue with collections. That is fine but they do not need to constantly call my work, I have a personal phone and if they can not reach me there then they do not need to constantly contact references more than once in one day. That is not how a loan company works.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NC)

This is a follow up to complaint # XXXX The company, American Express, has sent a letter to try and explain the situation. The letter was erroneous and condescending. It did not address the main issue of misleading advertising for their credit card product. I have attached their letter. They reference disclosure number XXXX for the XXXX XXXX XXXX, but on their advertising brochure, reference XXXX is not even on the same page as the XXXX XXXX XXXX benefit. Furthermore, the company American Express uses to process credit card applications, was also mislead by their advertising brochure, as they are the ones who initiated an investigation. 

In addition, the American Express XXXX dept has blocked my email address from reaching all XXXX domain names. This is an incredible act of power over the consumer. Either they take customer concerns seriously or not ... ... to basically turn off my free speech by blocking my email address is unprecedented.
Consumer complaint received 2016-11-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

XXXX XXXX is when I first saw Portfolio Recovery show up on my credit reports. I had not received a letter telling me who they were or why they were reporting on me. They continued to report for months to include another time that just showed up this week but shows that they added another account in XXXX?! This is a disgusting company that nobody would want to do business with for a number of reasons. The first is that they report on your credit before you even know we 've m who they are which seems unfair, they have been sued SEVERAL times die grimy reasons, and upon reading reviews when people so agree to pay them they do not send them the proper documentation or follow through on anything on their end. In addition the numbers they call from may them sound like a fake! I attempt to call back and it sounds like fraud. I do n't even know how they got my cell phone number to begin with! I do not have the bad accounts on my credit and have moved on for the better with that company. I have tried to dispute for the same reasons in explaining and all they did was quote a letter that they sent which does not address anything I 've said was n't fair! This company is a scam and I want all history of them removed from my credit report. I 'm young and trying to do right and these fakes are bringing me down with their unfair practices. I 've filled with the XXXX as well but please help me!!!!!
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have a Capital One security card that I 've had for almost a year it has reported to my hard inquiries but it has never reported to my actual credit score or accounts through any of the credit bureaus. I have filed XXXX dispute through Capital One and they 've done everything on their part. The credit card is basically nonexistent on my credit accounts through all the credit bureau 's. This is affecting my credit score and my life and it 's been going on for way too long. What is my next step to get this on my account?
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX transactions from the same retailer were pending and then voided by the retailer. The retailer never received the funds. Almost a week later, American Express still has the funds blocked and held. After numerous phone calls to their customer care team, and being transferred to at least 9 individuals, they said there is nothing they can do and to contact the merchant. After contacting the merchant, they confirmed they do not have the funds and have released the hold back to American Express.
Consumer complaint received 2016-05-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I opened up a CitiGold Checking account in XXXX 2015 under a promotion at CitiBank which promised a specific bonus of XXXX XXXX XXXX points for meeting certain requirements. I used the correct promotion code and was provided with a summary of the promotion when I opened up the account. I have met all the requirements and CitiBank is not honoring the promotion. I have opened up a case with them, had it escalated, and have been told 4 or 5 times by customer service agents that I met the requirements but they have to escalate it for approval. The escalation team has come back each time and is denying to provide me with the rewards because they state I was not targeted for the promotion. I told them I have a copy of the confirmation page when I opened the account but since it does not have my name on it, they will not honor it. I think this is very dishonest and feel I have earned the bonus and it should be awarded.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

To Whom It May Concern, I am writing to dispute the accuracy of several accounts on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681 ( 5 ), all information on my credit report must be 100 % accurate across all three credit reporting agencies. Any discrepancies or inaccuracies must be corrected, or the account must be removed from my report. 
The following accounts have inaccuracies that I believe are in violation of these statutes : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request that these accounts be reviewed and updated to ensure that all information is accurate or, if necessary, removed from my credit report. Should you fail to address these inaccuracies within 30-45 days, I will proceed with legal action to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Please confirm receipt of this letter and inform me of the actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-08-09
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Nationwide Intermediary Services llc (CA)

Received a call from a XXXX XXXX working for Nationwide Itermediary Services LLC who stating his firm has been retained for a pending lawsuit against me regarding a debt. He then called my Mother stating that he had spoken to me and that I told him to call her to " save my hide ''. If she paid via credit card today, they would cut the debt, but if I called, I would owe the entire amount. I then called him and requested a validation of debt via mail. He said it takes too long and he would be on his way to the court house in 30 minutes if we did n't resolve immediately. He stated he is a XXXX and I would have criminal charges against me for check fraud and suspend my drivers license. I told him I was working with XXXX XXXX XXXX and he said not to deal with them, they are a scam. He then sent me an e-mail with information regarding the debt and gave me 30 min to call back. I back tracked the debt and contacted XXXX XXXX XXXX who now owns the debt, but outsourced it to another party, which turned out to be Nationwide Intermeidiary services. She stated nobody was going to a court house and stated to call them back and request a manager to send me the validation via mail that I was entitled to. I called the number she gave and the person who answered the phone answered " XXXX ''. I said Who?? and she back tracked it realizing she should n't have said that. She immediately transferred me, but I hung up and contacted XXXX XXXX XXXX again and explained what happened. They were not pleased this happened and called Nationwide to figure out what was going on. She then apologized and asked me to call back and a manger was waiting for my call. I called back and XXXX XXXX immediately answered flustered. He said he did not know what happened when the other person answered the phone, but they should n't have said that. He said the lawyers are now on the floor and that person is packing their bags. He said he would cut some more money off the debt for my trouble told him I was livid and I wanted validation of debt via mail. He stated if I did that, then I would owe the whole amount and would just hang up, which he did. I re-contacted XXXX ( who was very helpful ) and they started an investigation. They told me not to talk to that company anymore and they would pull it back to handle the debt. She then stated she would send me out the validation of debt. XXXX XXXX attempted to call one more time, but I did not answer. I spoke to my Mother again and stated he had called her asking to pay the debt again, but she told him he was a fraud and hung up. He shared debt information with my Mother including who I owed and the amount. He tried to solicit money off of her, which she almost did out of fear. My stomach has been in knots all day at work trying to deal with these people and their tactics.