davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-07-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

They are giving our account to a company named XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX, for servicing. This company is being sued by so many people because they are ruining their credit and everything else. I do not want this company servicing our account. We have filed a complaint here on XXXX XXXX, 2017have not heard from Bank Of America, and when I do speak to them they say that they can not stop this process.
Consumer complaint received 2018-03-11
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. (AK)

I have had to send validation request to Equifax on some medical bills due to request from collection agency going unanswered. This request to Equifax was sent over 30 days ago by certified mail. XXXX deleted these accounts from XXXX XXXX as they could not be validated. Equifax has failed to validate these accounts and has not followed suit with the other credit report agency.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my last and final demand before I proceed to sue Transunion. They gave me a partial response and told me to give them 60 days to complete their investigation. By law they have to block a fraudulent account if I have provided a police report which I have. I should not have to wait 60 days for them to block the accounts that are fraud. I am a victim of Idenity theft. I have sent letters faxes and online disputes attached were my drivers licesnse utility bills police reports and theft affidatives. They have all this information and still will not block accounts. I made a complaint with Cfpb and transunion lied and stated they have not received anything however the agents claim they have my police report. I am so upset that after waiting 30 days for their investigation to 15 days from my complaint to a whole another 60 days is not right and I am being unfairly treated. I have called Every day since XXXX XXXX trying to get this resolved. I am almost sure they have it in their notes. I have the certified receipt that they received police reports and faxes confirming it went through. So I am asking transunion to block these accounts XXXX, XXXX, XXXX, and XXXX the judgement is also fraud. They are giving me the runaround and prolonging the issue which has caused our family a great deal of emotional distress since they are reporting this fraudulent information on my report its embarrassing. Its wrong how they are treating me. I ca n't help my idenrity was stolen. So for the 13th time i will load my police report so that transunion can block the accounts next I am contacting the BBB and then my local news station as well as the attorney general.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of XXXX XXXX are now reporting the same debt as well. This debt is for XXXX XXXX cable. I 've spoken with a rep with XXXX XXXX the first week of XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with XXXX XXXX or Diversified Consultants, and under no circumstances should two collection agencies be reporting on the same debt.
Consumer complaint received 2017-09-08
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. (CA)

I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from XXXX.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for a delta platinum credit card with a XXXX bonus skymiles offer. The terms of the offer were that I had to spend {$3000.00} in three months, pay a {$190.00} annual fee, and receive these miles. I spend {$3000.00}, some through merchants, and a portion by purchasing American Express Serve card loads. After completing the spending, I called customer service, and they told me the money was spent and I was set to receive the bonus miles on the next statement. I never received the points. I called customer service, was transferred around for hours with no resolution. They told me they would open a claim into these missing miles. I never heard back from American Express, so I called them six months later. They told me I was ineligible to receive these miles, since somewhere buried in the terms and conditions was a provision that spending money through serve was not counted as spending. My issues are 1 ) in the beginning, the agent told me I had met my requirements. Had she mentioned that the spending through serve did n't count, I would have found another way of meeting the spending. 2 ) When I called to ask why I did n't receive the points, I was still within the three month period. Had I been given a direct answer right away, I could have spent money in another fashion to meet the deadline. 3 ) They promised to get back to me and never did. 4 ) When I spoke to American Express 6 months later, they informed me why I was ineligible to receive the bonus. When I explained my grievances, they were cold and refused to honor my request or even give me some form of compensation. They even refused to refund my {$190.00} annual fee.
Consumer complaint received 2016-09-14
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (IN)

The lender did not send us the certificate of occupancy but instead sent someone to our residence to verify occupancy, not once, but twice!!! Then we received the form in the mail and they claimed they had sent it prior. They harrass us!! We had company! It was embarrassing! I think they want our home or something! They wo n't send us the form so my wife can speak on my behalf because she understands all of this fair debt and banking but I do not. They insist they have to talk to me. I am the borrower and she is the non borrowing spouse but if I say they can speak to her, why ca n't they. Why can they just randomly send someone to our house? This is our home!
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I opened a XXXX XXXX credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX  XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.
Consumer complaint received 2017-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

My tax refunds were deposited into another bank account at my current bank Wells Fargo. This happened on between XXXX XXXX through XXXX XXXX of XXXX. Both returns are close to XXXX. 
I have contacted Wells Fargo several times as my taxes refunds were never deposited into my bank account. As per Wells Fargo, there is nothing that they can do. Wells Fargo refuses to take responsibility for clearing a XXXX and XXXX check that was deposited into someone 's else accounts when the checks names did not match the name of the person in which my tax refunds were deposited. 
As of XXXX/XXXX/XXXX, I have not received my tax refunds because the person took the money out of their account and Wells Fargo refuses to help me with this matter.
Consumer complaint received 2016-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (NJ)

This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (WA)

I called Caine and Weiner Inc. Regarding a debt that was on my credit report in order to resolve the debt. My credit report reflects that I owe {$160.00} but the representative I spoke to said I owe around {$250.00}. I asked to only pay what is on my credit report and she informed me that I could have the debt removed from my report if I paid the larger amount. I said I only wanted to pay what is on my credit report and she placed me on hold to speak to the manager. When she came back she offered to remove the debt from my credit report if I paid around {$220.00}. Telling me that she is unable to remove the report from my credit when she can is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Good Morning, I have submitted a claim number XXXX, which CCO mortgage did nothing to answer. My complaint has XXXX issues. 1 ) My house was incorrectly appraised in XX/XX/XXXX. This is obvious by their appraisal in XX/XX/XXXX and again in XX/XX/XXXX. My house dropped by XXXX %, but my area dropped by XXXX-XXXX %. 2 ) CCO mortgage charged me 6.5 % interest rate but I was told it was drop down after two years. However, after two years they tried to not reduce it and sent me a letter to sign which would waive my reduction. That ca n't be legal. 3 ) After my girlfriend ( and co-owner ) broke up, I explained I would need to remove her name. They ultimately adjusted the mortgage but charged me an above market rate. I was notified about 6 months later of the HAMP program. I called them and asked why I was n't placed into that so I could get a market rate. They did n't have an answer, except that because my mortgage was adjusted ( above market rate ) that I ca n't do the HAMP program. Is that legal? Why was I not told of the HAMP program. 4 ) At that time I was told I might be able to do a modification so I filled out lots of forms but was denied. I asked for 'waterfall calculation ' and was told no calculations are provided. Is that legal? 
CCO mortgage please and answer these XXXX complaints.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OR)

On XXXX XXXX, 2017 efforts were put underway to begin a loss mitigation option for the U.S. Bank loan # XXXX with the property owners, XXXX and XXXX XXXX. As their listing agent was asked to begin communications directly with US Bank on XX/XX/2017 after the property owner had been in contact with an XXXX XXXX at US Bank since that XX/XX/2017 date. US Bank was, at that time, willing to look at a loss mitigation option of a short sale. See attached email thread showing that conversation. An offer that exceeded the appraisal value that US Bank had shared with the property owner of {$25000.00} was submitted to US Bank on Thursday, XXXX XXXX, 2017. At that time XXXX XXXX was out of the office and one of her co-workers, a XXXX, was handling her files. The offer was seen in the US Bank system on XX/XX/2017 but was not yet being processed. We followed up with a call on XX/XX/2017 to check on the progress of the offer after XXXX XXXX had returned. On that date I initially spoke with a XXXX who curtly informed me that the loss mitigation options were being denied for an undisclosed reason and that a subpoena from a court would be required to get the reason why this was happening to be disclosed. I immediately emailed XXXX XXXX and she returned my email with the following statement : " Good afternoon, She was correct, at this time we are unable to extend loss mitigation options including modification or liquidation options on the account. This decision was not a result of the underwriting/negotiations review which would not fall under the acts you mentioned. This was a result from an internal bank audit and a subpoena would be required to obtain the bank confidential information that lead to this outcome. Because of the audit, we were unable to proceed with the review and the file is being processed for denial. The borrower would need to obtain funds to provide a full payoff in order to release the lien and avoid further foreclosure action. '' XXXX XXXX Relationship Manager | Default Counseling | Mortgage Servicing p. XXXX ext XXXX | XXXX XXXX | XXXXXXXXXXXX | Hours : Monday-Friday XXXX-XXXX EST U.S. Bank XXXX | www.usbank.com There is, we believe, a requirement for any lending institution foreclosing on a property to disclose any reason or cause as to why the loss mitigation option being processed was denied. US Bank is refusing to disclose that reason unless ordered to by a court. That 's not right.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Empowerment Ventures, LLC (DC)

XX/XX/XXXX I made a transaction from my RushCard a bill pay transfer to my XXXX XXXX count of XXXX XXXX dollars I received a confirmation with said that it will be processed and deposit into my XXXX XXXX count on XX/XX/XXXX as of today my XXXX dollars has not been received at the actions that I have taken was I had to conference call with RushCard and even sent emails and reference to this was a sure that within 24 hours I should received an update or refund on my account I have not received either
Consumer complaint received 2015-08-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank charged XXXX insufficient fee on a checking account when money was in the account to cover the XXXX transaction. At the end of the day customers account was in the positive and was thrown into the negative with a transaction that posted the night at close. They also received a deposit on the XX/XX/2015, allowed customer access to it the money which kept account positive. Then stated that there was not money in the account.
Consumer complaint received 2023-06-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

On XX/XX/XXXX we checked our online account with SPS servicing and it stated we were due for a XX/XX/XXXX payment and that the XX/XX/XXXX payment was processing. On XX/XX/XXXX we noticed that the money had not come out of our account for XXXX or XXXX and we called in on XX/XX/XXXX and made a XXXX payment which shouldve been good for XXXX and XXXX. We then received a letter stating that our rate went from 4.875 % to 20 % and we were forced to pay over {$3300.00} for XXXX and XXXX. They excepted our phones and are still stating that we are in default. Our bank confirmed that the money was available on XX/XX/XXXX and that they never attempted to withdraw the ACH payment. We provided SPS servicing with proof that money was in the account on XX/XX/XXXX. This is predatory lending at its finest. We have called in every week and are getting different answers every time we call him. They have taken the money and that applied to any past due payments.
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (OR)

I was a victim of identity theft XX/XX/2023 in the amount of XXXX I have more then proved to wells Fargo this was not my signature and that the furniture was not delivered to my home as they claim. what Wells Fargo has done and been allowed to do is criminal and has now cost me XXXX in attorney fee 's now not only am I victim of identity theft but of big banking. Now I'm since adding the information form the DA office since she was caught.
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Hello, I been dealing with Wells Fargo Home Mortgage since XX/XX/XXXX. I had a hardship around XX/XX/XXXX-XX/XX/XXXX with my company because of the slowing economy. Before that period I was never late because this is a rental property that pays for itself with positive income. During my hardship a 3rd party started collecting the rents to pay down another debt as well as pay the mortgage on time. They fell behind by a few weeks. I went to court so this company could no longer collect my rents. I spoke with Well Fargo about making a few extra payments to caught up with my mortgage payment, or a modification. I ask about a payment plan, forbearance, or reinstatement. I sent them paperwork from the courts, but they would not work with me. I had XXXX % of the balance, but they wanted XXXX %. I asked could I triple up on my payment, they said no. A representative said that Wells Fargo will not work with me because I have equity in the house and they want the house. I was denied 3 times without a clear explanation. I call them, wrote them, and was refused to speak with a supervisor. I was delayed because I had to send the same paperwork to them over & over. I was forced to file bankruptcy to save my house. They can foreclose on my house at anytime. I just want to be able to sleep at night knowing I will be able to continue paying toward the balance without the threat of losing my house. I can have this house paid off in 6 years if Wells Fargo just communicate with me. They are determined to take my house that I purchased in XX/XX/XXXX. What can I do to make this situation favorable to me and a lender. My escrow account is mixed up because I been paying taxes & insurance and they have been paying also. Need advised ASAP.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I filed a complaint with TransUnion regarding XXXX XXXX, it is now XX/XX/XXXX and that dispute is still open I also mailed A certified letter to the company requesting deletion of my credit report since it is not my account, they have not responded. On XX/XX/XXXX I called TransUnion and asked for this account to be deleted since the company never responded to them or myself and the rep hung up the phone. I called again every day since and each time a rep hung up. Yesterday XX/XX/XXXX I called and spoke with a woman gave her the file number and she said she see it has been more than 30days then put me on hold and hung up. I called right back and spoke with XXXX another rep who said the same thing but told me the account was closed so not to worry about it. I expressed I did not care whether it was closed I wanted the account off my credit report he then placed me on hold and hung up. It is now XX/XX/XXXX and this account still sits on my credit report with no update from TransUnion. Well over the 30day mark. File number XXXX
Consumer complaint received 2015-08-25
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OK)

My husband and I, Remortgaged our home back in 2005 with Well Fargo MortgageCompany. With the interest rate of 8.125 %. They have not reported nothing XXXX,, since we have had Them as our mortgage coThey, take our payment directly out of our Bank Account on the XXXX day of eachmonth. And has done this for the last 10 years. The beginning balance was XXXX back in 2005. I, have not received no Statements of how much we, stillowe, Its been about 7 years ago, since I, have seen a statement from them telling usthe amount we still owe. We have only received our yearly Mortgage Interest Statementat the year end for our yearly Income Tax Report. We get our Bank Statement each month showing our withdrawal from Wells Fargo where they where they have taken the money our of our account .The rate has been 8.125 % since we have had themortgage with Wells Fargo XXXX Even when ever body else was paying 2.5 %. 
Not getting no monthly statements, or not reporting XXXX that our credit score could be a lot better. 



Would Appreciate any help that we could get. 

Thank You.