davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EOS Holdings, Inc. (CA)

There is an address on my credit report that is incorrect. I never lived at that address. I never applyed for anything using that address. I have no idea where that address is located. How I found out about that address was thru a debt. collection company calling me, trying to collect on a XXXX XXXX XXXX bill. I have never opened or appled for cable, or any other services that XXXX XXXX provides. The address on my credit report is XXXX XXXX XXXX XXXX Ca.XXXX. Address ID. # XXXX I have never in my life lived in XXXX Ca . or recieved mail at this address.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (TX)

I applied for a Wells Fargo credit card online around XX/XX/XXXX. I received the card in the mail and activated it. Immediately after activating I attempted to set the account up online. I could n't get it set up so I called customer service and they indicated that the card was deactivated by the fraud department. I called back to talk to someone else because it did n't make sense. And this time the customer service rep told me I would need to go into a Wells Fargo branch to confirm my identity and then it would be reactivated. I went into the Wells Fargo branch at XXXX XXXX XXXX, XXXX, TX XXXX, the next morning XX/XX/2016 and the branch manager ( XXXX -- not sure of the spelling -- -XXXX lady ) was on the phone for at least 20 minutes and afterwards told me that the card could not be activated and she kept the card. I asked her why it could n't be activated and she said I would need to call customer service. I called customer service and they just said it was a business decision. Yesterday, XX/XX/2016 I received a credit card statement dated XX/XX/2016 in the mail indicating I have a credit line of {$8500.00} with a {$0.00} balance. I called Wells Fargo customer service again and they told me to disregard the statement as it was a mistake and the card was never opened. I decided to check my credit report with XXXX and noticed there were XXXX credit inquiries on my account on XX/XX/2016. I put a fraud alert on my credit. Additionally, since I do n't have the original credit card I can not be sure that the account number on the statement is the same account number as the card since the branch manager took the card from me. I 'm confused as to why there were XXXX credit inquiries on XX/XX/2016. This also lowers my credit score!!
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, transunion & XXXX. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.
Consumer complaint received 2017-03-27
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo took out reverse mortgage on a rental property I had instead of on my home, which I needed one on to pay mortgage and to remove husband 's name from it per divorce. This eventually forced me to move to that house, and my ex husband filed lawsuit for contempt!!! So I was forced to sell my long time home and move to unsuitable property that I could not XXXX ... All because of predatory reverse mortgage. The salesman came to my home twice ... .Knew it was my beloved home. Then at " closing '' XXXX strange unprofessional men I never saw before came to my home ... .When I changed mind about the loan they got angry, said they were in a hurry, threatened me that if I did not initial papers ... .Huge! Stack ... I would never get reverse again. I was never given time to even look at papers ... .Now, I find out they were robosigned by XXXX XXXX XXXX vice president ... .They wo n't say who owns loan, wo n't let me repay the taxes they paid,. Denied Hardship the promised ... .I am XXXX with XXXX and XXXX and the are throwing out on street!! In four weeks I have no where to go and too I 'll and XXXX ... .Barely out of bed!! Can you help me please.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX/XXXX/2016 I purchased a service from a merchant through paypal for {$5500.00}. Paid {$3100.00} on XX/XX/XXXX and then the balance of {$2400.00} on XXXX/XXXX/2016. Paypal restricted Merchants account and refused to release the {$2400.00} payment. Paypal reasoner NOT justified and they have failed to provide any genuine issues of fact but continues employee the identical policy which brought about their latest class action settlement. As a result, the merchant refunded to me the original {$3100.00}, but since the {$2400.00} was frozen by XXXX our contract was cancelled and the service I paid for was NEVER RECEIVED. I contacted XXXX attempting to resolve the issue as did the Merchant with no resolution.On or about XXXX/XXXX/2016, I contacted Capital One, explained all the facts, spent over 30 minutes on the phone going over the entire issue. Provided the terms of the contract, the rental property information and thoroughly explained that the services i paid for were not provided. Capital One originally removed the {$2400.00} charge. Around XXXX/XXXX/2016 I received a XXXX page form from Capital One requesting identical information which I had previously provided to the fraud investigator and more information which was completely irrelevant. On XXXX/XXXX/2016 Capital One placed that charge back onto my card and against my available credit. On XXXX/XXXX/2016 I contacted Capital One again, the representative informed me the investigation is not completed and they will continue to investigate. However they would not remove the disputed charge of {$2400.00} from my account. They representative asked why i never returned the XXXX page form letter. I informed the representative that all the information requested was previously provided and that I have carried out everything I am entitled to do. I informed the representative that federal law and our contract requires them to remove that charge until the investigation is complete. They still refused. I also informed Capital One if they report my balance to the credit bureaus and include the {$2400.00} disputed transaction, they would be deliberately providing the credit bureaus with inaccurate information. Simply put, Capital one did n't not care and it seems they will simply do whatever they want regardless of policy, contracts or government violations.
Consumer complaint received 2016-09-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (WA)

Graduated in XXXX XXXX and moved out of state 2Months later. I opened a checking n savings account with Wells Fargo in my new state of residence in XXXX and since I deposit my check old school, always chit chatting with tellers n personal bankers here in Washington State. I got concerned that I was n't getting any notice/mail to start paying my personal student loan. I asked at least 4times on when my 1st payment was due. The personal banker here in federal way branch ( XXXX XXXX ) and in This is WA reassured me that no payment was showing in the system as due n reiterated that when the first payment was due, I 'd get a statement or something in the mail in advance. 
Reassured, I let the matter go only bringing it from time to time. You can imagine the horror when one Saturday in XXXX XXXX, I received a call on my cellphone informing me I was 2 months late!!! They 'd reported me as past due without any notification of first/any payments being due. I was flabbergasted to learn that they could n't have called my cellphone prior on missing first payment due to autodial laws or something. I asked about what about sending me delinquency notices in the mail? Long story short, they started that on XXXX/XXXX/XXXX they sent one notice informing me my payments were scheduled to start BUT that was to my former college apartment address. Apparently my current address in WA was too hard to find even though I have two accounts ( Checking & Savings ) that I get monthly statements from Wells Fargo for every single month! 
I was proactive and escalated my complaint all the way to the executive team where a team member promised resolution by erasing the reported delinquency as I was not properly notified. Needless to say, a couple weeks later while waiting for something in writing to correct that, another team member named XXXX called me back. Chest thumping started neither she nor anyone else was going to fix the mess. So here we are, I 've decided to NOT make a single payment n closed ALL my accounts withdrawing over {$7000.00} in balance that was enough to pay back over 70 % I owe till this mess is fixed. Enough is enough. Waiting for my say in court.
Consumer complaint received 2017-01-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo agreed to do a deed in lieu and {$6500.00} in relocation assistance after my XX/XX/XXXX certified letter to XXXX XXXX. I dealt with a single point of contact ( XXXX XXXX ). to accomplish this. The first thing that I was asked for was the appraisal XX/XX/XXXX ( email attached ) which occurred XX/XX/XXXX.. I responded by e-mail within hours to the other request ( validating that the HOA does n't provide any Certificate of Approval to transfer deed ). So there were NO delays on my part.The timeline per the Wells Fargo website ( Step XXXX ) is 30 days to " review required terms and request approval from investor ''. The investor approval ( XXXX XXXX ) was not requested until XX/XX/XXXX. Wells states that XXXX XXXX declined the deed-in-lieu due to " imminent foreclosure '' indicating that the approval package to XXXX XXXX was not submitted in a timely manner. I was notified by phone by XXXX XXXX on XXXX/XXXX/XXXX The foreclosure sale was scheduled for XX/XX/XXXX and did occur. The house was sold to Wells. I had 10 days to appeal the sale. The previous sale was scheduled on XX/XX/XXXX and was postponed by Wells with the express reason for the deed-in-lieu process to occur. .I contacted Constituent Services with my Congressman 's Office ( XXXX XXXX ) on XX/XX/XXXX, but XXXX XXXX misrepresented facts ( like saying a phone call to me occurred on XX/XX/XXXX which it never did ). Wells points the finger at XXXX XXXX and XXXX XXXX points back to Wells. I opened a XXXX XXXX case # XXXX and they have NEVER CALLED. I am in the middle with only today to keep the Certificate of Title from transferring to Wells and having a foreclosure on my credit record. Wells did not meet their published timelines not the constant assurances from XXXX XXXX ( Wells Fargo single point of contact ). Wells either by design or intent let the clock run out to make it almost impossible to do the deed-in-lieu, get my relocation assistance promised, and leave the house gracefully. Based on the fact that I am a XXXX year old XXXX, 10 years with a foreclosure on my credit rating is essentially a life sentence of homelessness. I need your help today to get Wells to withdrawal any legal papers related to the XX/XX/XXXX sale.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

I am unable to add a fraud alert on my credit report. Equifax have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact equifax, XXXX & XXXX. The Social Security Department told me to contact equifax & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in XXXX. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

1026.13 ( b ) ( 3 ) Effective Date : XX/XX/2017 Time for resolution ; general procedures. The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period ; and The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. <P/>USAA failed to mail or deliver written acknowledgement of my reassertion of the previously settled billing error of a year ago which was without any notice, documentation, statement or information. Yet, prior to even speaking with me electronically delivered a statement saying they finalized the reassertion. Yet, they restricted my access to view the statement and failed to provide any documents, information, or anything regarding this decision. Furthermore, they asserted I was required to speak to XXXX regarding this issue. XXXX, openly admitted to failing to respond to my many calls, notices her colleagues sent her, her boss as well as their own boss to contact me. Prior to speaking with me USAA stated the re-investigation was complete. Yet when in speaking with XXXX, she stated despite my many requests for documentation and a re-investigation of the case she had never been notified of my many requests. So how can USAA finalize a re-investigation without providing the results or any requested documentation only to later state they never received the request. Furthermore, since that request was finally acknowledged a month ago I have yet to receive acknowledgement, the requested documents, or a detailed explanation. <P/>
As two of my cards are under current dispute and have yet to be acknowledged in writing it is against federal regulation to negatively report said accounts on my credit report. Yet USAA for the last 3 months has reported both accounts as having their dispute settled without having notified me. Additionally USAA has negatively reported both accounts as being at or near their credit limit. The XXXX  card was paid in full, minus the remaining disputed amounts I still have not received a response on. While the XXXX was only somewhat near it 's limit due to USAA 's reversal of the billing dispute finalized over a year ago. Thus they have incorrectly stated the disputes are finalized, and reported multiple negative items. Furthermore, it is against regulation to close accounts while under dispute. Yet all of my accounts were closed.
Consumer complaint received 2017-06-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CO)

I was one of the many that opened a Savings & Checking Account with Wells Fargo in Colorado and told the credit card was the only way I could get cash from my accounts through their ATM. Fast forward to a new issue ; I opened a Roth IRA with Wells Fargo in XXXX, CO in XXXX. I was told this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers, I requested a transfer form to move the account to another financial institution. This started in XXXX, XXXX and I have sent multiple emails, phone requests and in person banking requests and to date have not received the form. On XXXX XXXX, XXXX I received a letter from XXXX XXXX and another letter from XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days. To date they have not sent the form. My complaint is to find why my Roth IRA did not earn interest in almost 10 years. And, to receive the correct form from Wells Fargo to transfer my Roth IRA to my new financial institution. Thank you.
Consumer complaint received 2016-11-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (LA)

Loan was paid in XXXX XXXX. In XXXX, 4 years after I moved from VA ( moved in XXXX XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by XXXX XXXX XXXX representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan XXXX XXXX XXXX had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX XXXX XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that XXXX XXXX XXXX is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from Cascade Capital attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX XXXX XXXX XXXX contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Convenience checks — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX of XXXX I took advantage of a promotional deal that Bank of America was running through my credit card. I used a check they issued with a 0 % APR until XXXX XXXX. Unfortunately my financial situation did not allow me to pay off this debt by the end promotional period. So starting XXXX XXXX I have been paying the agreed upon 21 % APR on the remaining balance that is subject to this rate. I unfortunately hit a difficult financial time and maxed this credit card out. I am unable to make payments beyond the minimum balance at this time, but I have not missed a payment and continue to pay on time. For standard purchases the APR is 14.99 %. 

Here is where I am upset : It is my understanding that the minimum payment is calculated by adding the interest accumulated on each outstanding balance ( the 21.99 % and the 14.99 % ) and 1 % of the overall balance due. 

It is also my understanding that if I pay the minimum payment the whole payment is applied to the standard account ( the account with the lower interest rate ). This means that the balance of the larger interest actually increases each month because the interest earned from the previous month is added to the Balance Subject to Interest Rate ( BSIR ). In XXXX XXXX the was {$4700.00} for my 21.99 % portion of my BoA balance. As of my last statement ( ending XXXX XXXX, XXXX ) I now owe {$5500.00} for my 21.99 % portion of my BoA balance. This BSIR increases by over {$100.00} each month, and the interest amount increases each month because the BSIR increases. 

I have talked to BoA. They claim that the Fair Credit Act directs them as to how to apply my minimum payment across multiple APR balances on XXXX card. Now I have read the Fair Credit Act. It was boring. It does dictate how to apply payments OVER the minimum. It does not clearly state how minimum payments should be applied. 

It is my assertion that BoA is exploiting a loop hole and hiding behind that FCA. 

Minimum payments should not penalize consumers by increasing debt. Money should be applied to the accounts so that in this case the balance for the higher interest portion does not increase each month. In order for this to stop happening to my account I must pay enough to pay the minimum payment plus the higher interest portion of my debt, least I increase the debt in the higher interest account all over again.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

This company place this on my credit report and disputed it and call them and sent them a letter asking them to send me proof that this is debt belongs to me which they have not. I know they received the letter because I mail it certified on XXXX XXXX,2017 and they received it XXXX XXXX, 2017. plus I gave them 30 day to reply which they have not, so I am filing a complaint with you to have them provide what I have requested or have them remove it off my report.