davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (HI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

I received a counterfeit check as a deposit for a job I was supposed to do the weekend of XXXX XXXX. I deposited the check on Saturday, XXXX XXXX and it cleared and was posted to my account Monday, XXXX XXXX. On Tuesday, the funds were there, so I withdrew {$2800.00} to pay someone else working on the same production and deposited into another account at the same bank. There was no sign of a problem until after the close of business that evening, around XXXX XXXX, when I happened to look at my bank account and saw that it was - {$2300.00}. Confused and shocked, I called Wells Fargo to figure out what was going on and after speaking with XXXX people I finally found out that the check was counterfeit. They told me that I was responsible for the transaction that I had made while the check was posted and that there was no other option besides just paying the money back. I obviously would n't have made the transaction if I had known it was a counterfeit check and I was being scammed, but they did n't care at all about that. I called the police and filed a report. The next morning, I called the branch where I had made the transaction, explained the situation, including that I still had the deposit receipt and essentially begging them to do anything to help my retrieve my money and get my bank account positive again. They, too, said there was nothing they could do, but I could call Loss Prevention and they might have mercy on me. They did n't. I have now spoken with XXXX or XXXX people at Wells Fargo and no one is willing to so much as inquire into the other party 's account to see that he is a criminal. I feel very wronged, not only by the scammers, but by Wells Fargo for not caring that I have been stolen from and lied to and that the person doing it is a customer of theirs. As it stands, they have used the {$550.00} I had in that account toward the negative balance of {$2800.00} so I now owe the bank {$2300.00} ( part of which is money I worked hard to earn ) for a counterfeit check that was given to me.
Consumer complaint received 2016-03-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCA Collections, Inc. (CA)

A Collection was posted on my credit report for a medical debt that I do not owe ; I received a medical treatment from XXXX XXXX XXXX XXXX XXXX which was to be fully covered by my insurance. Several months later, SCA Collections sent the first and only notice of a medical bill due along with a threat to file a Collection on my credit report. I contacted the the medical group and corrected an error in their billing records 6 weeks ago and was told the item would be resubmitted for payment to the insurance company. I received no further notice until I was notified that a collection was posted on my credit report. This is the second time that XXXX XXXX XXXX XXXX XXXX submitted this covered expense to SCA collections with no notice to me.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Im asking for your help to address this incorrect account on my credit report. Im raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.
Consumer complaint received 2015-12-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

I have various checking accounts at Wells Fargo and use the online payment system from XXXX to make payments by check, which is mailed to the recipient. Recently I wrote a check for about {$2300.00} to my insurance company for a homeowner 's premium. This was to replace policy I had paid for a week or so earlier with a better one recommended at the last minute by the agent. I asked the agent to hold onto the check until I had received a refund from the other policy, and she has kept the new check on her desk. But in the meantime, Wells Fargo debited my account for the {$2300.00}, causing the account to go into overdraft and impose a {$35.00} fee. When I complained, WF reversed the overdraft fee and explained that this type of payment is debited from the customer 's account on the date specified by the customer when the payment is ordered, but that the payment is not forwarded to the recipient until the check is cashed. The representative had no answer for why this should be different from the procedure with a traditional check. In my view, the bank is not at risk in this transaction, because it could simply refuse to clear the check if there were insufficient funds in the account, as it does with ordinary checks. I feel the process is designed to increase the odds of an overdraft for which a fee can be charged. It is similar to the practice of booking withdrawals before booking deposits, even if they come in the same day. This practice should be barred.
Consumer complaint received 2016-03-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TrueAccord Corp. (MN)

A payday loan from over 2 years ago from an illegal lender ( no lending license in Minnesota ) called XXXX has sold my contact information to various companies trying to extract a payment from me when I owe nothing more on this former loan. The latest company is called TrueAccord calls from XXXX, XXXX and then text me from XXXX asking me to click onto a link and make a large payment and have called me as well. I do not owe XXXX anything as they are illegal in Minnesota and I do not have to pay anything more than I already paid them 2 years ago. They are saying I suddenly owe a debt of {$1000.00} and that is absolutely not true. They are an unlicensed lender for Minnesota residents. I have had this same sort of call and threat from multiple debt collecters or scammers on behalf of XXXX many times in the last two years and have also filed complaints with the MN attorney general and the minnesota dept of commerce.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TN)

My name is XXXX XXXX XXXX ( XXXX ), and my wife 's name is XXXX XXXX XXXX ( XXXX ). We have worked hard and paid our taxes all of our lives. My wife XXXX and I have had a rough time for the past few years, health-wise and financially. We have tried repeatedly to get help for our situation. 

Over 2 years ago, we applied for a program called KEEP YOUR TENNESSEE HOME. We have been on the list until XX/XX/XXXX, when we were told they had run out of money. 

Next we tried the REVERSE MORTGAGE program. Although I am XXXX, we could not use this program as my wife is only XXXX. 

Then we turned to our banker WELLS FARGO for help. We do not make enough money to qualify for their REINSTATEMENT PROGRAM. Since I am recently laid off my job, I then applied for their UNEMPLOYMENT PROGRAM, but we make too much money for that one. 

I have just received a foreclosure notice on our house. I will need to give you some background so you can better understand how we got to our present situation. 

In XX/XX/XXXX, I fell victim to XXXX. I would suffer XXXX XXXX over the next 2 years. XXXX would XXXX me for several days. XXXX would require XXXX. XXXX would hospitalize me and nearly kill me. This left me unable to work and on Social Security XXXX. 

About 30 years ago, XXXX came to a halt at a stop sign, but the car behind her did not. Since that time, she has had over XXXX XXXX, including XXXX XXXX. She has been unable to work since, XX/XX/XXXX. 

In XX/XX/XXXX, we took in a little boy named XXXX XXXX. He was XXXX years old at the time. His parents are XXXX and are XXXX. XXXX is XXXX years old and we are in the process of getting legal custody of him as there is no one else to care for him. 

My wife applied for SOCIAL SECURITY XXXX over 2 years ago and we are now waiting to hear from a federal judge on this matter on XXXX XXXX. If all goes as our lawyer says, my wife should get her XXXX then and possibly 2 years back pay which should be more than enough to clear up our finances. The problem here is it looks like WELLS FARGO, and the foreclosure lawyers are not willing to wait that long. 

Our mortgage holder, Wells Fargo, has just notified us that they are about to begin the foreclosure process on our property. As you can see, we have had a few rough years and desperately need help. Any other advice or help you can give us in this matter would be deeply appreciated. Is there any way that we can get help on this? Please keep us in your prayers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

In XXXX 2012 My husband and I take root bankruptcy, and in my credit report that is included in the bankruptcy occurs, I need that remove such information from XXXX, also it appears I started working when I 'm disable and not job.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. 
As of XX/XX/XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing XXXX days late. This is incorrect because as per the terms of agreement, it states the following : " We will report to the credit bureaus that you are paying under a partial payment agreement for your Wells Fargo Home Mortgage mortgage '' The terms never said anything about reporting a payment as late. All payments were made on time, including the set payment arranged during the forbearance plan. This is the problem. Wells Fargo is saying that they were within their terms, but that is not true. The letter that they sent me in regards to the terms says exactly what I listed about, not that it would report as late.
Consumer complaint received 2016-03-12
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NY)

XXXX XXXX and Quicken Loans is not excepting my Cert. Of Eligibility I received from military service. I was issued one XX/XX/XXXX and had it renewed XX/XX/XXXX. They say that the COE is not any good.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I request your support in dealing with this wrong account on my credit report. I have brought this to your notice because it has tarnished my reputation, and I require your help. The incorrect details on my credit report have caused significant damage to my reputation. It is essential that these inaccuracies be corrected so that I can live with my family.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WA)

Equifax sent me an email offering a reduced price for a 30 day subscription. When I tried to sign up for the subscription, the transaction was charged to my debit card, but Equifax sent me a message saying they could not complete the order. I called Equifax about the problem and the customer service representative informed me that I was trying to sign up for a 3 in 1 offer that was being offered by XXXX of the other credit bureaus. but that Equifax would not honor it any longer because I have a freeze on my account. I informed the representative that I never placed a freeze on my credit report and that the offer was from Equifax not a 3 in 1 deal with the other XXXX credit agencies. After about 5 minutes of a combative conversation with the representative I asked the rep if he would refund my money they charged. The representative informed me that Equifax had not charged my card and that he did n't know who had charged my account. 

I received an email confirming the order from Equifax and the charge on my card said Equifax along with their XXXX number. My worry is that Equifax is false advertising it 's products to consumers and not wanting to honor their specials. I asked the representative who I could talk to about the freeze on my credit report and he told me that he did n't know.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (OR)

I detected a fraudulent charge on my card and reported it immediately ( w/in a day of the charge ). Chase ( the issuer ) reissued my card then proceeded to bill us for the charge. Only a second call and a lot of run around got the charge reversed. They acknowledged that they knew the charge was fraudulent, claimed to have made a mistake, and just claimed ( again ) to have corrected it. Creating confusing and complicated barriers to a fraud claim seems a clear attempt to profit from criminal activities and ( needless to say ) violates the terms of our credit card agreement.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

HI. I have written you prior to this. Wells, Fargo mortgage sent out a letter that they are investigating my complaint and we would both have an answer by XXXX XXXX, 2015. I still have not heard from the bank. They were suppose to be reviewing a loan modification for us. 
Our home is still under sheriff sale for XXXX/XXXX/2015 ( it is not suppose to be under a sheriff sale while you are going through a loan modification and should be removed from the list - it is XXXX XXXX sheriff sale number XXXX for XXXX/XXXX/15. In addition, I submitted all the paperwork on XXXX XXXX to do the loan modification and then got a letter back from Wells, Fargo that to much time had lapsed right after I sent in the paperwork!!! They also had an appraisal done and the home is not under water. 
I sent you a letter with all the information on XXXX XXXX, 2015 as well and another complaint afterwards to let you know about the " to much time has lapsed ''. Please help. We live on a farm and have horses, etc. I ca n't sleep at night and do n't know what is happening. 
Thank you.
Consumer complaint received 2016-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (FL)

My and my ex girlfriend had a lease in XX/XX/XXXX to XX/XX/XXXX at XXXX. We fulfilled a year lease around XX/XX/XXXX and was on a month to month basis. We moved in XX/XX/XXXX a week early. Since we paid rent before the month.now they claim we broke the lease which we never had. Reported XXXX different balances to ncc {$1400.00} and {$500.00} Ncc was n't provided our lease by XXXX but reported these amounts on my credit report. Since I moved XXXX has n't contacted me about this issue. This has happened to a few other people who has rented there.
Consumer complaint received 2016-03-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Jon Barry and Associates, Inc. (NC)

I have several medical bills that I am trying to get paid off by XXXX 2017. My home equity will balloon at that time and I stand a chance of losing my home because I ca n't paid the loan off in 8 months and I need help to forgive as much of the medical amounts. I am trying to get them paid but I am having problems. How do I get help with this? Thanks so much if anyway I can get Help.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX is in violation of this law:15 U.S. Code 1681i - Procedure in case of disputed accuracy. The law specifically states ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The Company has not VALIDATED this account which makes them in violation of this law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, in the FCRA which makes this account being reported INACCURATELY on my credit report.
Consumer complaint received 2015-06-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

I have been going back and forth with my Mortgage company, which is Wells Fargo Home Mortgage for about nine months. I have asked them to drop my ESCROW account. I am paying for my homeowners insurance and taxes out of my private checking account. 
At XXXX they said they could not drop it because it was a veteran loan, I contacted the veterans administration and received proof from them that I no longer need ed to have a ESCROW account. I gave this proof to Wells Fargo Home Mortgage, and they changed their mind and said they would not drop it because they did not want to. I gave them proof of my payment to my homeowners insurance and taxes, which I pay for yearly. They still refused, meanwhile the ESCROW account keeps growing because they have nothing to pay. I have contacted them many times. Can you help. I will gladly give you all the information you need. 
Thank you. 
XXXX XXXX
Consumer complaint received 2015-09-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.
Consumer complaint received 2016-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (AZ)

My father passed away on XXXX XXXX, 2016. He was a cosigner on my private student loans that paid for my XXXX studies at XXXX University in XXXX. Navient called his number because I was approximately one week late on making the payment in XX/XX/XXXX following his passing. I answered the call and informed them of his death. I made the payment over the phone and I was told to send in his death certificate to release him as a cosigner. On XX/XX/2016 I received an E-Correspondence from Navient stating that : " Your cosigned private loan has been referred to XXXX XXXX , XXXX, to resolve the outstanding balance. They may attempt to contact the executor of the cosigner 's estate. If you provide a new, credit-worthy cosigner for your loan, we can recall the account from XXXX XXXX. If you do n't name a new cosigner ... XXXX XXXX XXXX attempt to locate the executor to discuss the status of the estate and the procedures for filing a claim with the probate court where the estate will be settled. The promissory note you signed provides that the loan may be declared in default and due in full if any borrower or cosigner passes away ; however, we wo n't declare the loan in default as long as you continue to make regular, monthly payments. '' I 'd thought my father would be released from the loans, especially since my loans are in good standing and I fully intend to continue making monthly payments.