davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I wrote a letter to Experian asking them to investigate mistakes on my credit report. They responded to me with a letter saying my letter was suspicious, and that they would not do my free investigation. I do n't know what was suspicious about it. It did come from me, and I even attached copies of my ID 's to confirm my identity. In Experian 's letter, they gave me a phone number to call and an e-mail address to visit to " validate '' my letter. Apparently, I can not speak to a live operator or do anything to via the web-site unless I buy one of their products from them. I believe Experian is purposely refusing to do my free investigation so I will buy something from them that I do n't actually need.
Consumer complaint received 2015-11-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WV)

My spouse and I, in conjunction with our legal representation, would like to pursue a Deed In Lieu of Foreclosure with our lender, Wells Fargo. We moved out of the property XX/XX/XXXX due to a change of employment. Since that time we have done our best to find buyers while continuing to pay the mortgage. Some of the ways we attempted to alleviate the financial strain of the mortgage was refinancing XX/XX/XXXX, renting out the property, and living with relatives. Unfortunately the cost of maintaining the property is too much, even with rental tenants. The home currently needs repairs and thus we are unable to find new tenants. When we looked at our finances we knew we would eventually run out of funds to maintain the cost of the mortgage and thus we sought help XX/XX/XXXX. 
We were informed that in order to be considered for a Deed In Lieu we would first have to go through the short sale process. Our initial request for the short sale program began back on XX/XX/XXXX. Wells Fargo confirmed the request on XX/XX/XXXX. After what seemed to be an eternity, Wells Fargo finally informed us that we had gotten approval to participate in the Short Sale Program on XX/XX/XXXX. There were no potential buyers during our entire time in the program, which expired on XX/XX/XXXX. 
On XX/XX/XXXX, I called Wells Fargo to inquire about the Deed In Lieu option, but they refused to speak to me regarding my account. On XX/XX/XXXX, we initiated legal representation as mentioned above. On XX/XX/XXXX, Wells Fargo calls me and I request that they contact my legal representation because I have hired them to assist me in pursuing a Deed In Lieu. A letter, dated XX/XX/XXXX, is sent to Wells Fargo requesting a Deed In Lieu. Wells Fargo acknowledges receipt of this letter on XX/XX/XXXX. This letter states that they will " provide [ us ] with the results on or before XX/XX/XXXX. '' It also states that " In the event additional time is needed [ they ] will contact [ us ]. We have received no such response and our legal representation has also received no such response. 
We recently, XX/XX/XXXX, received notice of a foreclosure date of XX/XX/XXXX. Our legal representation has called in attempt to find out what happened to our Deed In Lieu request, but Wells Fargo is not responding.
Consumer complaint received 2015-06-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (VA)

To Whom It May Concern ; Dear Sir/MadamI needed to pay XXXX AED to a lawyer in XXXX from my bank account that I have with Wells Fargo. This is not something that I usually do on my daily banking so I was not familiar or had any experience beforehand. 
I stopped by at a local branch located at XXXX XXXX XXXX XXXX XXXX, VA, XXXX to do the transfer. 
The exchange rate the branch gave me was XXXX for XXXX US dollar to which I agreed to since I thought Wells Fargo as a bank should have comparative rate that should be comparable to any other bank or any other financial services like XXXX XXXX who offer money transfer. 
I then sent the receipt to my lawyer as for informing them that money has been sent. 
I then received a phone call from them that the rate at which I converted my Dollar was very low and never saw anything like this in the history of all the exchanges that has ever been done. 
That raised a question why Wells Fargo offered such low exchange rate so I started to investigate. 
I first checked with apple federal credit union bank to find out what their rate was. 
I was told they do n't do exchange at their branch at all, instead they send the money in form of Dollar and the exchange will happen in XXXX at at receiving bank. 
I then checked the rate in XXXX and found out the exchange rate there is XXXX for each US dollar. 
I then checked XXXX XXXX and noticed their rate is XXXX and has always been like that. 
pleas consider that XXXX has a strong economy and their exchange rate does not fluctuate much. 
Had I sent the money with XXXX XXXX XXXX XXXX, I would have sent {$13000.00} or {$13000.00} if I had used XXXX XXXX. 
I ended up paying {$14000.00}, {$330.00} ~ {$450.00} more just because I used wells Fargo Bank. 
Apparently, Wells Fargo in addition of {$35.00} Wire transfer fee, is making between {$300.00} to {$500.00} as hidden fee by buying Dollar at lower exchange rate, XXXX, and selling it at higher rate, XXXX XXXX. 
I have also attached the history of Dollar to XXXX exchange rate that shows the min and max rate for about a week ago that shows the rate was never near XXXX. 
I request a refund be issued according to correct exchange rate that has always been used internationally to convert USD to XXXX.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
Dispute : Fraudulent Charge of {$6400.00} on my XXXX XXXX/XXXX XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. 
This card was only used at XXXX XXXX store and gas stations. There was never a transaction for an amount greater than {$1000.00}. This charge was not authorized by card holders and the card number XXXX, now changed to XXXX was never given to merchant. XXXX XXXX is the primary card holder and XXXX XXXX an authorized user, who has been removed from the account XX/XX/XXXX. 
XXXX XXXX now holds XXXX XXXX for {$6400.00} as well as XXXX XXXX for {$6400.00}. 

The charge was completely fraudulent
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2015-10-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I walked into the branch to exchange a {$10.00} bill for a roll of quarters. The teller asked for my account information. I asked why they needed that, a manager stated that she recognized me and that we had had this issue before. And I stated that I had yet to receive a reason for why exchange legal tender into quarters required collection of my account information. She stated that it was required by the " Bank Secrecy 's Act ''. I told her that that Act was about amounts in excess of {$10000.00}. She stated that " no, that was covered by the Currency and Foreign Transactions Act which unknown to her that this act is also known as the Bank Secrecy 's Act. She then stated that it was Chase 's Policy to collect this information. When I asked for a copy of the policy, she was unable to provide it to me. When i contacted Corporate Executive Communications, the representative there referred me to the Deposit Account Agreement. I read thoroughly the DPA and there is nothing stating that I am required to provide my account information to change a {$10.00} bill for quarters. I find it personally offensive to have to provide my account information in order to conduct a simple small monetary transaction. If Chase or the government has such a policy, I would like to know the reference for this policy and the rationale for initiating such a policy. It is obvious that Chase 's bank personnel are unable to explain the rationale for what I consider an invasion of my privacy. More importantly, the personnel stated that if a non-account holder came in to request the same transaction, they would be turned away. As a publicly traded and regulated company, I am sure that there are some laws or regulation that prohibit Chase company from discriminating between account holders and non-account holders in such a way.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I called the credit bureau to let them know the correct information. This XXXX bill was resolved. I had spoken to a manager in corporate about my account after writing the XXXX on XX/XX/XXXX. The account was moved to a different company and it was agreed that I was to send the equipment back and I had no bill. It was paid in full and the equipment returned. I did not receive service for XXXX months ( XXXX ). I could not receive a phone call or messages. I had gone into the store on several occasions. I received a letter in XX/XX/XXXX from the collection agency XXXX. I sent them a letter of dispute within thirty days and all the documentation I had. This item was removed from all bureaus after sending the information. It appeared on all XXXX credit bureaus again from a different collection agency. I disputed the charges and the item was removed. I also filed a fraud police report. Just recently the item has appeared again from a different collection agency. I called XXXX XXXX several occasions to resolve this issue. I have spoken to XXXX representatives in different departments within XXXX hours. All representatives said something different transferred me to different departments and gave me several different numbers. Each representative left me on hold for a minimum of XXXX minutes plus. I have recorded some of these conversations. I was told I do n't owe anything and then I was told I do. I have yet to find out what for. They saw the documentation from the conversations with the manager and the several times I had to take my phone in the store for repairs. I went into the store to resolve and I could not resolve. I could not even receive a phone call from the tech department when I had phone issues with them. I paid for services I used and could get. They were changing and working on towers. This should not reflect me in anyway or my use of cellular serivce. My rights were violated when I disputed the last notification on my credit report with XXXX bureaus.The letter was received and I did not receive any proof that these charges were mine. It was instantly reported to XXXX bureaus. I would like this removed off my credit report and for it to be completely resolved. Enclosed you will find any remaining documents I have. The others were mailed to the first collection agency.This was completely resolved. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (PA)

In XXXX and XXXX 2015, Green Tree Loan Servicing ( now XXXX ) took fees from my bank account without my authorization. My practice with Green Tree is to call and set up an electronic funds transfer payment from my checking account at the end of the month. The fee for doing this is {$12.00}, which the customer service representative told me in XXXX and XXXX would be waived. I authorized Green Tree to withdraw only the payment amount from my account. I did not authorize the taking of the fees. To compound the issue, at least XXXX customer service representatives from Green Tree have told me that they would see to it that the money taken in XXXX -- without authorization -- would be refunded into my account. This has not happened even though the representatives have taken my bank account information. Is it legal for them to take my account information and to do nothing with it? I know that wrangling over XXXX {$12.00} fees may seem silly, but to me the lying and the taking of unauthorized money are practices that should be stopped. Plus, because of health issues, I have not worked -- except for a bit of freelance work -- full time for nearly fourteen months. Green Tree is aware of my financial situation ; I explain it every month.
Consumer complaint received 2015-06-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I have had a XXXX XXXX XXXX Now Navient XXXX loan since XX/XX/XXXX that I have been trying to work with the lender to pay off. I have called XXXX XXXX numerous times to inform them that I needed modified options to pay XXXX which they did XXXX ) or different programs offered in order to find a way to pay my student loan. I have explained many times that due to my husband being military and I not working ( yet seeking employment ) we did not make enough to cover costs of living. My mother is the co-signer on the loan, but refuses to help in any way possible. I am trying to manage the loan and have argued for rehab options on a now defaulted loan in which no one will help. They want the full sum. While I understand to terms and conditions, I am trying my best with what I have and offering to give only what I can. I have been in school since XX/XX/XXXX trying to obtain a degree in fields where I know I can find work. My husband left XXXX to be with his family because he was being XXXX constantly. We ended up taking a huge pay cut which in turn made our finances even harder and drained our accounts trying to keep our finances at bay. We are living pay check to pay check trying to keep on our feet. I finally have obtained a job after moving back to our home state and are currently living with relatives because we can not afford to even rent. The pay is n't good, but it 's a start. My husband is currently starting a new job which should help with the finances as well. The military service does n't offer help in our situation as we have looked. My husband did apply for his XXXX benefits, but that is taking too long and the money that was supposed to help us is not even being sent to us as of yet due to the time taken to process the paper work. We are financially stuck and our only option at this point is to file bankruptcy.
Consumer complaint received 2015-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P. (OH)

I had a personal and business checking account with XXXX bank and what they did was allowing companies to take money out of my accounts that was not there. The companies that XXXX allowed to do this bounced the accounts for fee 's and payments because they knew XXXX bank would pay because of their reputation. All of this was done electronically but not on my behalf. XXXX bank was notified of this and they did not to correct this errors on behalf of individual companies who did this maliciously and purposely with cruel intent on my behalf they did not protect me as a customer.
Consumer complaint received 2015-06-16
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Cottonwood Financial Ltd. (IL)

The cash store in XXXX IL over drafted my bank account {$300.00}. Their so called collection agency XXXX XXXX XXXX called me and wanted me to set up a payment plan. I looked up my credit report and they are not on there. I think they are a false company and would like them to stop harassing me. I want my {$300.00} back and be able to set up an actual payment plan with a legit collection agency.
Consumer complaint received 2015-06-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LENDER LIVE (RI)

LendeLlive is a non bank mortgage service loan collector apparently. And.. since sending them documents and paymentunder the guise of another bank, they still are apparently the claimed servicer of a non-existent mortgage lien holding my name. 
They have requested modification documents from me and robo-signed returned copies
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WI)

They keep sending me this!! I know it belongs to me!! I 'm not denying this point! Its just from back in XX/XX/XXXX and XX/XX/XXXX..And is outdated and should be off my file by now! It was all part of a Bankruptcy back in XX/XX/XXXX..Remove it! 

We have researched the credit account. Account # XXXX The results are : We verified that thisitem belongs to you. Additional information has been provided from the original source regarding this item. If you haveadditional questions about this item please contact:
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (LA)

I am writing this formal letter because the XXXX Credit Reporting Agency along with XXXX XXXX has been violating my rights under the FCRA. The violations are listed below. 

This XXXX account which sometimes reports as XXXX XXXX XXXX account # ( XXXX ) was added to my report on XXXX XXXX, XXXX when in fact this account was already showing on my credit report prior to this action on an XXXX XXXX, XXXX report reporting as XXXX on an XXXX report it was removed from there and placed on an Equifax report XXXX XXXX, XXXX report as well as a XXXX XXXX, XXXX report reporting as XXXX XXXX, when this was added it dropped my score by XXXX points. Then on XXXX XXXX, XXXX this account was removed, but my score did not go up. XXXX clearly states in a letter on XXXX XXXX, XXXX that they no longer service this account that it is now serviced by XXXX XXXX XXXX, XXXX ( small print at the bottom of letter ), so why is XXXX moving this account around which has reached its statue of limits for reporting this account. 

This is a formal complaint against XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ( XXXX ) XXXX ), XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ( XXXX ) XXXX ) and the XXXX Credit Bureaus. I am requesting that you investigate the situation and take the necessary action. 

If you need any additional information, please call me at ( XXXX ) XXXX am requesting that the item be removed.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

On XX/XX/XXXX XXXX assisted me to pay {$1100.00} mortgage to CALIBER HOME LOANS due to my financial hardship. 
On XX/XX/XXXX, since I did not know when " XXXX '' can pay my mortgage on my behalf in XX/XX/XXXX back then, to avoid penalty, I also paid {$1100.00}. 
Because of this incident, I ended up pay XXXX mortgage payments for the XX/XX/XXXX, so I called and spoke to a customer service rep. at CALIBER HOME LOANS around XX/XX/XXXX and asked her to apply my XX/XX/XXXX payment of {$1100.00} the full amount as principal to my loan account without charge me any of interests, as it was my extra payment for the year XX/XX/XXXX. She agreed, and she told me that our conversation was recorded, and said that she took care of it already. I asked for a confirmation, she said no need to have confirmation, I should see it on my FOMR XXXX of the year XX/XX/XXXX. 
However, when I received FORM XXXX for the year XX/XX/XXXX, I found out that Caliber Home Loans did not apply my XX/XX/XXXX extra payment to principal ; but to charge interests against it as well. Thus, I called on XX/XX/XXXX to verify with a customer Rep. her name is XXXX. She was very rude, and told me that Caliber Home Loans would never re-adjust my loan nor to refund me the wrong charges of the interests on my XX/XX/XXXX extra payment of XX/XX/XXXX. I asked to speak to her manager, she hand up on me. Then when I called back, the phone just keep on routing to others, I was unable to reach to their manager for this matter.
Consumer complaint received 2015-06-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (NV)

I am very happen with the statis of a refinance on my FHA loan throughLoan Depot, applied XXXX XX/XX/XXXX and in XXXX told my wife 's XXXX hadexpired and needed to renew it! I had my original loan in XX/XX/XXXX and cardwas already expired XX/XX/XXXX I was told by my rep, I did not have to makemortgage payment until XXXX, it was adjusted in new loan! ( this was onhis cell ) not recorded ). XXXX XXXX card was renewed and told it was inprocessing and then on XXXX XXXX, I was told can not get loan, due tomissed payments! Contacted FHA and no help! I feel I should not beblamed in this case and loan should be reinstated! I did all they wantedand closed my accounts to be paid off and now have destroyed my creditand financial in ruin! It seems the laws are not to help anyone in need, retired, on social security, to be taken advantaged of!!!