davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

A company that does n't exist XXXX XXXX XXXX XXXX debited {$300.00} from my bank account. I filed a claim with Wells Fargo XXXX claim number XXXX ) and they issued me a credit. They said they needed my credit report showing that the supposed debt was not on my report. I emailed them the report which clearly shows I have no debt with this " company '' and on XXXX/XXXX/15 they took the credit back. I want MY money back. I received correspondence from Wells Fargo, and they put another customer 's letter in an envelope addressed to me. This is just an awful experience from a company that obviously does n't care about their customers ' privacy.
Consumer complaint received 2015-12-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

I got a bill from paypal credit. I never signed for a credit acct. I always use my bank acct. to pay. they want XXXX plus interest. I notified them and their bank 6 times. still getting a bill.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America and XXXX XXXX XXXX XXXX is blocking the refinancing of my mortgage with XXXX. Even though, I only have a XXXX mortgage with them. They are claiming I have an equity line or XXXX mortgage with them in the amount of {$93000.00}. I have never requested an equity line or a XXXX mortgage from either of these entities. Yet they are refusing to let my refinancing proceed.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

I am on a Trial Modification Program, which started with an XXXX letter stating that if I made my XXXX payments in a timely fashion I would receive a modification interest rate of 3.97000 % for XXXX years. 
The payments were made on time. However, the most recent loan modification letter from Ocwen states that there is a " beginning '' interest rate of 4.5000 %. That is inconsistent with what was XXXX promised and the verbiage " beginning '' leads me to believe that this is an adjustable rate. 
We requested they honor the original terms they proposed and they recently came back and said that was a misprint. 
We ask how is it that a financial institution finds it acceptable to send out a binding document, XXXX that we both have been following for the past XXXX months, and when it comes time to confirm the final agreement, renege on the originals terms proposed by saying it was A MISPRINT? 
We would like to request that Ocwen cease the unjust practices with us and follow through with the original terms.
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (TX)

XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.
Consumer complaint received 2016-02-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

I filed complaint number XXXX because Chase charged numerous overdraft fees on my accounts after I had responsibly made sure there was enough money in them to cover all pending transactions ... I did this based on the information their mobile banking services provided me. 

It has been almost 2 weeks and Chase has not even responded to my complaint. THE FEES keep piling up. 

I went into a branch and was told that since I 'd had fees reversed in the past ( my XXXX account was once hacked into and caused debits to my account, as well as reversals which the bank granted me because I complained about their fairness ) that I would have to just eat these ... that they have no power ... it 's the policy ... XXXX, XXXX, XXXX ... .clearly the policy is to steal from people who ca n't afford it ( people with low balances ) This was not my fault. Even had it been, the amounts that were overdrawn were very small, XXXX or XXXX dollars ... And I deserve to have hundreds of dollars in fees because of this. It should be illegal. 

More and more fees are accumulating now because of pre-authorized debits that would have been covered but now ca n't be since my accounts are over XXXX dollars in the red. 

It 's literally a scam ... .Chase is going to make off with hundreds of my dollars. How is this legal??
Consumer complaint received 2015-09-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (IL)

AES is a fraud, XXXX XXXX claims that I am lying but she has never contacted me by phone only send these generic letters. I am well aware of the status of my loans therefore I did not need AES to put that information on my letters. AES reps on the last 5 calls I recorded, they never notified me that my calls will be recorded which they are suppose to do but I have recorded proof of this. AES claims I ca n't record their calls but they ca n't record me without my permission. What AES is doing is illegal and I have had several AES supervisors with bad attitudes. I have advised several of them that I will not tolerate their ignorance and then I was hung up on. I have proof of everything I am saying because I have recorded numerous calls which is proof of their business practices. AES has not proven that NCT still owns this debt, I only received a promissory note with XXXX XXXX XXXX and nothing with the ownership of NCT which is required in the state of Illinois to collect on this debt and this information was confirmed by a consumer rights attorney, Without any proof that NCT still owns this debt of today, then no one can collect on this debt per my state. Since NCT ca n't prove they still own this debt then the entire balance has to be forgiven or a reasonable pay plan has to be set up. AES and NCT are in this fraud together. I will keep complaining until my credit is restored and these loans are taken off my credit report except for loan XXXX which is cosigned. Per the state of Illinois, NCT must have up to date proof they still own this debt, THAT IS THE LAW. AES has never given me proof that NCT still owns this debt which is requirement under the FDCPA and FCRA which NCT must follow since they are 3rd party student loan debt buyer. I do not see anywhere that shows NCT owns this debt as of today 's date and if they are unable to produce this proof, all negative marks will need to be removed by federal law plus all loans except # XXXX will need to be forgiven. I have the legal right to a validation of debt that shows when NCT bought this debt. AES never provided me with that information which I have been asking for awhile but was told to look at my promissory note which only has XXXX XXXX XXXX on it and no one else. AES should clearly understand what the laws are and what kind of debt they are collecting on. All negative marks need to be removed because I do not have any up to date that NCT currently owns this debt as of today.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

Experian has hurt my credit report and threatened to further affect my credit in order to apply pressure as part of an employment-related dispute. 


The brief history of the situation is as follows:1. On XXXX XXXX, XXXX, a driver who had taken me to the airport incorrectly charged {$1100.00} instead of {$110.00} to my XXXX XXXX card. 

2. From XXXX XXXX, XXXX through XXXX XXXX, XXXX, I conducted numerous calls with XXXX XXXX ultimately resulting in the case being assigned to a team investigating major frauds. 

3. In XXXX of XXXX, I paid the full {$1100.00} charge. 

4. Experian and XXXX XXXX accounts completed an investigation including a detailed reconciliation of my expenses. This determined that Experian incorrectly allocated a personal item to corporate expenses. XXXX XXXX with XXXX XXXX and XXXX XXXX of Experian agreed to change the allocation. 

5. On XXXX XXXX, XXXX, XXXX XXXX, with XXXX XXXX, stated, " We audited the monthly statements for XXXX XXXX and the dispute has been fully reconciled. In the end, his charge for the limo service was {$110.00}. " 6. On XXXX XXXX, XXXX, XXXX XXXX confirmed they would send a credit balance refund check in the amount of {$990.00} to me. That ultimately did occur. 

7. In XXXX, XXXX XXXX representatives began calling and claimed that due to an internal investigation, Experian had changed its position and demanded payment of the {$1100.00}. The matter was referred by XXXX XXXX to collection services. Threats were made about my credit, and now a negative entry was placed on my credit record ( a hard inquiry by XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX. 

Experian and XXXX XXXX determined that the {$1100.00} charge was an error, and reimbursed me. The only thing that has happened since that time is that Experian, my now former employer, has started litigation against me regarding post-employment covenants. A former employer should not be allowed to use my credit score as a weapon in connection with a matter that has previously been resolved in my favor by Experian and by XXXX XXXX.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with equifax. I have disputed this item with the credit bureau Equifax and was advise that they were able to verify the information as accurate with the Grantor XXXX. I have contacted XXXX directly regarding this issue and was advised that the account does not exist in their database system and was referred back to the collection agency to handle this dispute. After speaking with XXXX XXXX today, I was told that they have do n't their due diligence and they only control reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: DISCOVER BANK (NC)

This correspondence is not to be construed as in any way agreeing or admitting to owing any debt. 


In XXXX XXXX a Discover credit card was opened in my name and reported on my credit report. ( Acc # : XXXX ) XX/XX/XXXX was the date of last payment and the end of all activity on the account. As of XXXX XXXX, the account was listed as " closed/charge off ''. 

XX/XX/XXXX this item was removed off of my credit report because it was past the XXXX XXXX year threshold for reporting bad debts. 

XX/XX/XXXX I received notice from the Federal IRS that a XXXX form was submitted to them XX/XX/XXXX for the above listed debt- nine years after the date of last activity. 

The rules of issuing a XXXX form are clear. XXXX forms are to be filed NO MORE than after a 36 month nonpayment testing period expires. That non-payment testing period ended XX/XX/XXXX, and furthermore was past the statute of limitations ( For Wisconsin, where the debt was supposedly incurred ) in XXXX XXXX. 

I formally request that Discover Financial Services notify the Federal IRS that the XXXX form was issued in error and is to be withdrawn. 



Furthermore, in XX/XX/XXXX I attempted to contact Discover Financial Services about the inappropriately filed XXXX form and was transferred to an active collections department without my knowledge. In the state of North Carolina, which is where I reside the law is clear, and Discover Financial Services was in violation of : North Carolina Fair Debt Collection Practices Act XXXX XXXX XXXX. Deceptive representation. 

Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector It appears that what has happened here, is that Discover Financial Services has purposely issued an incorrect XXXX form with the intent to coerce payment through unconscionable means on a debt that is well beyond the statute of limitations. This also is in violation of : North Carolina Fair Debt Collection Practices Act 58 70 115. Unconscionable means. 


1 ) Seeking or obtaining any written statement or acknowledgment in any form containing an affirmation of any debt by a consumer who has been declared bankrupt, an acknowledgment of any debt barred by the statute of limitations, or a waiver of any legal rights of the debtor without disclosing the nature and consequences of such affirmation or waiver and the fact that the consumer is not legally obligated to make such affirmation or waiver.
Consumer complaint received 2015-07-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Wakefield and Associates is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
Consumer complaint received 2016-01-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

My Personal Checking Accounts & Savings from Wells Fargo Bank were closed without notice XXXX XXXX. While attempting to use sufficient funds from the accounts, the cards were declined twice. Wells Fargo customer service department was contacted which then directed the case to the Loss Prevention Department. At that time, for the first time I was notified that the Wells Fargo Personal Checking Accounts and savings had been closed. It was also brought to my attention that the establishment no longer wished to do business with me as a customer. There was no written notification, verbal contact, email etc. to inform me as a client that the accounts were being closed. I proceeded to inquire about the funds that were in the accounts that had been closed without notification. Wells Fargo Bank informed me that a check would be cut XXXX XXXX and mailed. As a customer I am being inconvenienced without just cause. Is this something that can legally be done without notification? What can be done to expedite this process so that the funds are returned. Thank you for your time
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION, DEPT OF EDUCATION XXXX, XXXX XXXX XXXX, XXXX )
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was a victim of identity theft. I have tried for several years to clear my credit up. I submitted FTC identity theft reports and police report. Still Transunion, XXXX and XXXX have not properlt investigated the matters. they just call the companies and tell me well the company says the debt is accurate when in fact it is not., this has been going on since XXXX.
Consumer complaint received 2016-01-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by SUNTRUST MORTGAGE as " REJECT & RETURN '' and by Order of the Court, the property was returned to SUNTRUST MORTGAGE and subsequently sold. 
XXXX currently reflects SUNTRUST MORTGAGE as a " Negative Account, Closed Account '' however it continues to report the status as " Wage Earner Plan ''. XXXX reflects negative payment history entries for SUNTRUST MORTGAGE for the month of XXXX XXXX, during which I filed bankruptcy and for XXXX XXXX, the month I was discharged from bankruptcy. 
XXXX currently reflect SUNTRUST MORTGAGE as " Potentially Negative Closed ''. It continues to reflect the " Payment Status '' as " Making regular payments under XXXX. '' I have disputed the incorrect information with XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to three SUNTRUST MORTGAGE addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (CA)

I have Chase XXXX Credit Card with JPMorgan Chase and I was charged {$37.00} in interest despite having paid my balance. I reached out to JPMorgan to informally resolve the issue, but was just given formulas and told the {$37.00} would not be given back. Right now my full balance is paid and has been since my statement ended. 

I believe Chase either intentionally or mistakenly took {$37.00} from me. XXXX # XXXX so I will fight back, but who knows how often JPMorgan Chase is either intentionally or negligently taken consumers money. 

You can reach me via e-mail at XXXXXXXXXXXX or on my cell at XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE. XXXX. {$65.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

For the last 2 years, I have requested my free annual credit report from Equifax and XXXX electronically and both times I was denied getting my credit report online and had to submit a paper form. I believe the " verifying your identity information '' is incorrect, as it has my current/previous employer as " XXXX XXXX '' instead of its proper name ( XXXX XXXX XXXX ).
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

The credit agency IC system, reported the amount of XXXX XXXX, XXXX and it shows in my credit report that is negative and thats not the I owe. And i need for you to take that out of the credit report because its affecting it. I already paid the account i already paid the credit agency " XXXX XXXX. " The account number is XXXX Original Creditor Client Ref # XXXX, and the phone number is XXXX. The balance was XXXX which was already paid, but i need the agency IC system to take that off my credit because its affecting it, and they are n't the Original Creditors in which i already paid, my phone number is XXXX, Thank You.
Consumer complaint received 2015-07-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I was forced to file for a loan modification due to a hardship brought about by a divorce. I made every payment up to when I was sent a letter stating what my new payment would be and the date that the next payment was due. My loan modification specialist said that I must make these three payments for that amount, on or before the date that they were due, or my modification would either be delayed or denied. I made the XXXX payments and was subsequently modified after the XXXX monthly trial payments. I checked my credit score in the months following and found that two XXXX day late payments showed up. I have since followed up many times with the bank, only to get conflicting answers. XXXX answer I received from the bank is that I should have paid another full payment before the trail payment that they wanted me to pay. My Attached documents show that I paid every payment up to XX/XX/XXXX. I received a letter from the Bank on XXXX XXXX, stating that I would now be entering into a new payment schedule, and that the next payment was due on XXXX XXXX. Another answer was that the lates resulted from the difference between my unmodified payment and the trial payment. I was never informed that I needed to keep paying my old amount or in other terms above what they asked me to pay during the trial period. Bottom line I paid what they told me to pay, when they wanted it to be paid. I would have had no issue paying more if they wanted more. Also the late payments on my credit report state they occurred during the trial period, if this was the case the bank would have delayed or not given me a loan modification, neither of those happened.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I was alerted by XXXX XXXX that my credit was ran XXXX. I called XXXX and they were quite upfront and said they had already realized that fraud had taken place and I would not be responsible for anything. Someone in a different state with a different name used my social security number. They said that a letter was sent to Equifax to clear the inquiry. I have called Equifax numerous times and have initiated no less than XXXX disputes. They refuse to verify that the information they are reporting is accurate. I am at a loss on how to get this removed and neither company seems to want to look any further into the matter. My credit is important to me.