davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

We have submitted XXXX complaints in the last 4 months regarding Wells Fargo 's incompetence with our Home Mortgage loan. We have requested loan modifications which continued to be denied without a thorough review. We have appealed and requested upper management to address all of our concerns yet we receive very little response with the inaccuracies not corrected. Prior complaint # XXXX Wells Fargo advised in the Rental Income section that the income was added correctly and the negative income was included in the monthly rental debt, however they did not show a breakdown of the rental debt where the negative income was included. Also, in the Re-entry Review Denial response Wells Fargo advises that there has n't been a large enough change to consider a new review, yet when we have contacted Wells Fargo to request a new review because we have raised rents last year which has increased our annual income by {$200000.00}, their response was that we do n't qualify for a new review - why not? Lastly, because we have continually been denied for modification due to Wells Fargo 's incompetence we have been forced to Short Sale our home to try and avoid foreclosure. We, along with our realtor and title company have requested updated payoffs in the last month however we have yet to receive this information. Our last payoff letter from Wells Fargo dated XX/XX/2016 is $ XXXX. Our home is currently listed for sale for $ XXXX. We had an offer for $ XXXX and on XX/XX/XXXX Wells Fargo countered at $ XXXX which is $ XXXX more than the listing and what we owe. Wells Fargo 's short sale department advised that a new BPO was completed on XX/XX/2016 and the value of the home is $ XXXX. We have just received a copy of the BPO and again the figures are incorrect. At the time of XXXX XXXX our home was listed for $ XXXX. The BPO shows that our home is XXXX sq ft ( our home is XXXX sq ft ), it only shows XXXX tax lot # XXXX ( missing # XXXX ), and it shows the sale price at {$150.00} per s/f. If the BPO was done correctly, our home @ XXXX sf x {$150.00} sf = {$750000.00}, plus the missing tax lot = {$210000.00}, our home 's value would be {$970000.00} which would be completely inaccurate. We have attachments to prove our case.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (LA)

Pinnacle Credit services purchased an account from XXXX XXXX and has XXXX trying to collect on an account that is from XXXX that I paid to XXXX. Pinnacle Credit XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact XXXX XXXX XXXX who told me that the account was sold to Pinnacle Credit Services on XXXX/XXXX/XXXX. Pinnacle is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I disputed this account many of times. To verify my social and DOB and name is not validation to the debt. This account has been removed by XXXX and XXXX. I have made outreach to XXXX XXXX on XXXX/XXXX/16 and I never received any documents showing I owed this debt. I have sent screenshots of my communication with the collection agency. If they ca n't provide documentation then the account can not be reporting on my credit report. Anybody can say I owe debt and have my social name and DOB but with out proper documents what does that mean ... nothing I will show proof that I have reached out many of times to the credit bureau and the collection agency. Still to this day I never received anything. I was getting the run around about when they were being sent to me.
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I made a payment for XXXX to my insurance was to come out of business account but mistakenly was taken from my personal account. Bank notified me on XX/XX/2017 that I would have overdraft of XXXX put into my account with service fee of {$12.00}. I immediately put money in my personal account on same day bank unwilling to cancel the fee or cash advance of XXXX both of did n't have to happen. Bank robbing us.
Consumer complaint received 2024-09-15
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: AES/PHEAA (GA)

In XX/XX/year>, I requested a copy of my promissory note via the American Education Services website. I never received the promissory note. I owe more today than when I took out the loan in the early XXXX. I have paid more than the original amount of the loan. I need relief.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CO)

ACS Education Services manages one of my student loans. The loan originated with a balance of {$11000.00}. Per the ACS website, my payments began on XX/XX/XXXX. Over the course of the past 57 payments their website shows that they have applied {$5000.00} to principal. This would leave me with a balance of {$6000.00}. However, they show that my current balance is {$9000.00}. I have two complaints against ACS. The first being that they are using fraudulent accounting practices resulting in a substantially higher account balance than it should be. Secondly, I substantially increased the size of my payments for 10 months with the instruction that the additional amount should be applied to principal. Instead of applying the additional money to the principal they have applied it to future payments. They are now showing I am paid up through XX/XX/XXXX. My attempts to get them to correct this misapplication of the payment has been unsuccessful. They told me that I need to call them the day the payment is received. If I 'm too early they wo n't be able to see the payment and ca n't help me. If I 'm too late and the payment is already posted then it will be applied to future payments and they wo n't correct it. Can you please help me resolve this so that I can pay off my student loan debt?
Consumer complaint received 2017-01-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

Inquiring are there any options after charge off credit card debt XXXX ( approximately XXXX and XXXX years old ) I am still truing to check my records for statements and receipts. The debt is being disputed once Calvary SPV LLC transferred to a DEBT Collection Attorney are there options to resolve without Court Action by the XXXX and XXXX? Less than 6 months after settlement offer Calvary SPV LLC. transferred or sold charge off to an Debt Collection Attorney.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

I Deposited a check from my brokerage account vanguard a XXXX dollar company into my wells fargo checking account on XXXX/XXXX/16 XXXX told me the funds cleared on XXXX/XXXX/16 yet wells fargo would not release the hold until XXXX/XXXX/16 .I called there help desk to ask why and was told that 's just our policy and i should go to my branch i did on XXXX/XXXX/16 and spoke to the branch manager who called her supervisor that stated the funds had cleared all there accounts on the XXXX/XXXX/16 my question is why is a bank that is under federal investigation for fraud allowed to hold customers money without paying interest and or releasing there funds to them.Is this just another example of cunsumer fraud that needs to be investigated.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IA)

I AM NOT LOOKING FOR A COURTESY OVERDRAFT FEE REMOVAL! Its NOT a courtesy!! Wells fargo has an ERROR that needs to be fixed! XX/XX/XXXX my account went into the negative, XX/XX/XXXX a money transfer was made into my account to cover that. ( It shows you have until XX/XX/XXXX to put that money back in and bring your account current ). So I made it. MY ENDING BALANCE SHOWS ME POSITIVE!! Wells fargo charged a SURPRISE OVERDRAFT FEE 3 TIMES!! I was still charged a overdraft because they said Money transfers dont count althought for me it showed my negative balance was clear. Also in their terms in black and white it shows Deposit or transfer enough money to your account to establish and maintain a positive available balance if needed. They are also now charging an overdraft fee on an XX/XX/XXXX transaction that was covered with a money transfer XX/XX/XXXX. Then since I was in the negative a transaction came out XX/XX/XXXX and I paid that the SAME DAY! I still got a over draft fee for that although I paid it. They did NOT do a true investigation on this case. For you all to be seeing something in the background that I, the consumer can NOT see that is not legal to charge me for something I can not control or see but you can! Thats a Surprise overdraft fee and it has been a recurring issue for consumers who can neither reasonably anticipate nor take steps to avoid them. IF I SEE MY ACCOUNT IS POSITIVE HOW CAN YOU CHARGE ME???? If I was in the negative XX/XX/XXXX HOWWWW was I able to do a MULTIPLE XXXX XXXX transactions? XX/XX/XXXX is AFTER XX/XX/XXXX which they are saying I got a overdraft fee for! You cant make those transactions with a negative balance!! Also I did a {$99.00} XXXX XXXX transaction XX/XX/XXXX AFTER paying off the overdraft of {$49.00} from XXXX. How was I able to do ANY OF THOSE TRANSACTIONS THAT REQUIRES MONEY IN YOUR ACCOUNT IF IT WASN'T POSITIVE! These screenshots are SETTLED transactions by the way, AFTER everything has finished pending. It shows XX/XX/XXXX I got a charge of {$20.00} I then made a PAYMENT THAT SETTLED THE SAME DAY TO COVER THAT!!! As shown in the screenshot! 

You all are required to stop charging SURPRISE overdraft fees & STILL ARE!
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

Experian has not removed disputed record of 4 months of late payments after Creditor committed to removing negative items. Experian has not updated all those that have requested my credit with the updated information. I confirmed this today XX/XX/2016 with Experian both online and over the phone. Too much time has passed and my credit is still suppressed by this inaccurate information. This must be resolved immediately.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I sent disputes on erroneous, negative accounts reporting on my credit file, via certified mail, over 60 days ago and never received a response. I sent another letter with the disputes as well as a notice saying that they never responded, after 30 business days, and still did not get a response. I know that they received the disputes because they deleted XXXX of the errors from my file!
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank charged interest on my XXXX XXXX, XXXX statement. My starting balance for this period was {$3000.00}, my payments made during this duration totaled {$3100.00} for a payment that was in excess of the starting balance. I was charged interest of {$30.00} on XXXX XXXX for the statement period in which I paid over and above my balance. 

I contacted Chase on this matter and was told that they practice " Two Cycle Billing '' by XXXX different agents ( XXXX & XXXX ). I explained to them that there was already an interest charge on the prior statement for the ~ {$100.00} shortage in payment on my end but that I had paid in full for this statement period. XXXX agents proceeded to describe their double cycle billing and informed me that this was Chase ' policy to charge interest for two billing cycles when there is a month in which the entire balance is unpaid. They described this as a " loss of grace period ''. 
Per my reading of the CARD Act of XXXX, this is prohibited ( FTC link to CARD Act below ). I spoke with a manager ( XXXX ) at Chase and informed him of the provisions in the CARD Act prohibiting Double Cycle Billing, he silently agreed and promptly removed the interest charge from my account. 

Link to CARD Act : XXXX
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On different occasions I have disputed the collection card accounts that erroneously appear on my XXXX and TransUnion credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by XXXX and TransUnion that they did not carry out an efficient investigation to determine that the account that appears on my credit report does not belong to me and they even put an address on the account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these erroneous accounts that appear in XXXX and TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the wrong information shown on XXXX and TransUnion. XXXX XXXX XXXXXXXX Account Number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Please remove it from my credit report.
Consumer complaint received 2016-07-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Independent Recovery Resources, Inc. (NY)

Phone number XXXX keeps calling my home and leaving the following message : " We have an important message from Independent Recovery Resources, Incorporated. This is a call from a debt collector. Please call XXXX. '' When you call the provided number, it gives you their contact information ( IRR, Inc. XXXX XXXX NY XXXX ; irrcollect.com ) the option ( press 3 ) to enter in your phone number if the debt does not belong to you. I have submitted this information and I continue to get the calls.
Consumer complaint received 2016-07-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AL)

I purchased a foreclosed home and have continued to receive collection notices for the previous owner. I contacted the collection agency Rushmore Loan Management Services and explained the situation to them. The agent laughed at my circumstances after verifying that I do not have any 'accounts ' with them and directed me to fax a notice to their department of consumer affairs. The collection notices have continued to appear after I completed this action and the agent working on their behalf is taking photographs of my property.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX and I have tried to called TransUnion and XXXX to fix the late and wrong reporting payments on my credit report. 
I just pulled my credit report today XX/XX/XXXX. 
And on TransUnion since XX/XX/XXXX they have not update update my balance correclty. I have not had a balance on my accounts for XXXX XXXX Accounts for almost 6 months. I used them and pay off the total balance. 
Since I cancelled my subscription with them, I can even go and update or make a request to fix my credit and also elimnate my Inquiries that are due five of them for deletion. 
See credit report from XXXX. XXXX XXXX is XXXX, with a balance of only XXXX XXXX XXXX Accounts one for {$120.00} and XXXX XXXX with a balance of {$19.00}. I have not have a balance of {$940.00} Dollars and {$500.00} for almost five month. Even that I tried to log in to see my present scores. Please I am trying my best to keep my scores up to buy a house, but credit reporting agencies like TransUnion and XXXX not reporting correclty. 
See attached of previous statements.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (AL)

Sent past disputes in over 60 days ago and nothing was changed. The accounts are not accurate and not verified and must be deleted immediately from my consumer report. The consumer reporting agency did not do a proper investigation on these accounts. They did not provide me what i asked for or required in the disputes and are still reporting these accounts. I DEMAND UNDER THE FCRA THAT THESE ACCOUNTS LISTED IN THE RESOLUTION BOX, BE BLOCKED AND DELETED IMMEDIATELY.
Consumer complaint received 2016-08-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (SC)

XXXX - XXXX, XXXX calls me incessantly about a debt they purchased from Cavalry SPV I , LLC. I know Cavalary as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, Cavalary, SPV I, LLC, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XXXX XXXX 2016 from XXXX XXXX , XXXX stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (HI)

I am aware of the current lawsuit against Navient. I would also like to file a complaint against them. When my loan changed from sallie mae to Navient, Navient did not follow my wishes to continue payments so that I could take my co-signers off my loan. I was in school working on my masters and wanted to continue making payments. The Navient abruptly stopped my payments, after I had requested to make a payment, they told me I had to start all over with the consecutive payments to release my co-signer since there was a break in payments due to their error. They had also told me to go into forbearance when I had the option to make income-driven payments since at the time I was only making {$15.00} and hour while paying over {$1000.00} a month for my student loan repayments. That advice has caused me an incredible amount of increase in my interest, knocked down my credit score and made it difficult for me to receive any loans for my XXXX degree. I had continually received poor advice from Navient and not once was I able to speak with a manager or higher up even after I had asked several times. I have a note on my account that my case was sent to upper management, but nothing was done. I am sad to hear that many individuals have been affected the same as I. to this day, my co-signers are still on my loan, after continual requests to have them removed. I have received a myriad of answers and none of them are consistent. I 've been told, No, the co-signers will never be removed. I 've been told after I make a year of consequtive payments. I 've been told I need to make three years of consequtive payments. Each individual working for Navient has starred me the wrong way and I have had nothing, but difficulties when it comes to making payments. At one point I pleaded with Navient to reduce my loans or I would default and they told me, I would have to go into forbearance instead of allowing me to make income driven payments or advice me to continue to make payments. I plead for guidance in this issue at hand. Thank you for your time and consideration.