davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cash Express, LLC (TN)

I had a payday loan with a company several years ago and paid if off. Now after several years they are trying to reach me by phone to get me to come back and do business with them. when they call i dont answer so now they starting calling the references that i had listed on my original application with them. they called my wifes cell phone number and highly upset her, i feel as if my privacy was compromised. I will never do business with this crooked company again, i never gave permission for references to be called on a closed account. they are so desperate for business they have stooped to cold calling old customer and their references. Im sure there has to be some law that prevents this from happening. The call was placed from the XXXX, Tn store at app. XXXX and the number they called from was XXXX
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (CT)

All of the medical bills on collection should have been paid off by XXXX. I have XXXX and because of my low income, they pay 100 % of my doctor and hospital bills. If the original billers would just contact XXXX, they would find out, and my credit would not be effected. 
Please, can you help me?
Consumer complaint received 2016-02-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (TN)

The original amount of the bill, per AWA collections agency, is {$160.00}. The total balance due is {$220.00}. They are charging {$55.00} as " interest and fees '' but when I spoke to a representative on the phone, I was told that I was incorrect, and the " interest and fees '' should say " collection fee '' but the amount charged by the medical office ( the original debt ) was only {$30.00}, and that my payments made had gone towards the " collection and fees. '' When I explained that the interest was 40 % of the bill, she argued and said that " there is no interest being charged. '' She also stated that they were not allowed to send bills and receipts. She was adamant about not charging interest, although the bill received ( which is the first bill that I ever received, as my ex-husband was hiding mail ) clearly states " interest and fees. '' I told her that I would only pay the original amount, and I would not be paying interest. She told me that I had to pay the " collection fee '' or else the bill would not be paid in full.
Consumer complaint received 2015-12-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SCA Collections, Inc. (NC)

this company has continued to collect on a debt that is not mine the account was created as a result of my identity being stolen i have had to get a police report id theft affidavit notarized and i gave them copies of my id and ss card all of this i emailed to XXXXXXXXXXXX and faxed to them as well @ XXXX about this fraudulent account that needs to be removed
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint myself and there is no XXXX  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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

I deposited cash into an ATM at Wells Fargo XXXX on Saturday XXXX XXXX. The ATM took the cash, did not credit my account and also took my ATM card. When I went inside the branch the manager, XXXX XXXX, told me that my cash deposit would be credited to my account within 2-4 hours. He suggested that if I need to buy groceries before my account is credited then to go ahead and write a check to the grocery store and the store wo n't cash it for 5 days or so. The bank rules say cash deposits are not credited until the next business day ... ... it is the next business day and I still do n't have my money available for use.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

In previous correspondence and all replies from Wells Fargo Home Mortgage, the generated robo letter states, " Wells Fargo is unable to establish contact with me ''. With all correspondence sent and owing my home for over 10 years and not changing my phone number, email, etc. The information has remained the same, additionally I attempted to establish contact with my new point of contact ( XXXX XXXX ). After visiting the Wells Fargo branch on XXXX XXXX, located in XXXX and chatting with representative XXXX XXXX. I attempted two phone calls direct to ( XXXX ) XXXX at XXXX and XXXX, both went directly to voicemail, without a return phone call and or email, etc. I have come to the conclusion that Wells Fargo Home Mortgage does not want to solve any issue that I may have and or resolve any confusion on my accounts. What XXXX XXXX did do today, was listen to concerns intently and assured me that he would do everything in his power and control to make certain that I have a pleasurable experience moving forward. Since first contacting Wells Fargo Home Mortgage and numerous points of contacts it has been my hope to obtain some sort of resolution as to how my payments were applied. Not once did Wells Fargo Home Mortgage request any receipts, bills, proof, yet they continue to send my information to collection and foreclosure bureaus. It is disturbing that a conglomerate of this magnitude operates on such a low level. Attached are the payment history of what I have deposited on a daily basis. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. XXXX # XXXX {$810.00}. Store # XXXX {$810.00}. Store # XXXX {$810.00}. XXXX # XXXX {$800.00}. Store # XXXX {$840.00}. Store # XXXX {$770.00}. XXXX # XXXX {$50.00}. Store # XXXX {$1300.00}. XXXX # XXXX $ XXXX funds of {$540.00} for XXXX {$840.00}. Store # XXXX $ XXXX/Unapplied funds of XXXX for XX/XX/XXXX/Total {$1600.00}. All totaling {$11000.00}. The following information is readily available in all records of the banks, how Wells Fargo Home Mortgage chose to apply these deposits is of question. There have been several unauthorized escrow analysis without my knowledge or consent, yet I have not received a definitive answer to my concerns, just robo replies. To suggest that " We are unable to establish contact '', especially when I make the opportunity to call XXXX XXXX ( XXXX ) XXXX and contact Wells Fargo Ceo 's directly. It is my hope that anyone from Wells Fargo Home Mortgage, will address my repeated concerns.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

EXPERIAN IS NOT REPORTING FCBA DISPUTES CORRECTLY ON XXXX ACCOUNTS THAT HAD FRAUDTHEY ARE REPORTING A BANKRUPTCY THAT DOES NOT BELONG TO ME ON A PROSPER ACCOUNT, THEY HAVE VIOLATED AND PUT FALSE INFORMATION BY STATING AS SUCH, XXXX ACCOUNTS HAVE BEEN CLOSED. I HAVE SUFFERED IRRPREABLE HARM. 
I AM BEYONG LIVIDI HAVE NO CREDIT REPORT AS SUCH THEY WILL NOT PROVIDE ME XXXX
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (TX)

In XXXX of 2014 XXXX XXXX XXXX sent a return label to me after I canceled services due to moving out of their area of service in order to return the XXXX ' television receiver boxes to them. I took this label to the XXXX nearest my home and sent the boxes back to them. It was about 6 months later and I received a collection notice from a third party agency stating that I did not return the boxes and they are collecting the debt. I did not have the confirmation receipt when I gave them to XXXX in order to prove the return, because it was several months later and I did not know that I would need to have kept it. XXXX XXXX XXXX can look up the labels they printed me and research the boxes that I shipped back, but I only got the run around when I called in order for them to help correct this issue. It is now on my credit as an outstanding collection of {$350.00} from an agency called Franklin Collection SV. This has been transferred several times to different collection agencies after I have called each time to dispute it. They just transfer it to someone else rather then help get it proven and removed. Please help me get to the bottom of this. Thank you!
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX 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 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My complaint involves XXXX XXXX XXXX in XXXX. I applied for an auto loan through XXXX, and shortly after I received a call from XXXX XXXX ( not sure of spelling ; her direct line is XXXX ) at XXXX XXXX ( XXXX of XXXX ) preferred dealers. I was told that I had been approved ( APPROVED, not PRE-APPROVED ) for a {$35000.00} car loan with no money down, but they could only discuss details such as LTV ratios or interest rates with me in person. She assured me they had a lender with an approval. I arrived at the dealership, and was immediately asked to fill out a credit app - I was told this was to make sure I was who I said I was. They ASSURED me that they would not run my credit or submit to any banks. Then they appraised my trade and the sales guy said he could n't tell me how much they were offering because his boss keep that all secret. Next, they tell me I can no longer get the used XXXX I wanted due to the LTV and would have to get a new Altima. At this point I had to get back to work, and the plan was for me to return to the dealership around XXXX to finalize the paperwork. At XXXX, I phoned the sales man, and he refused to tell me anything at all - not how much my trade was worth, or even a range of what my monthly payments might be. It 's an XXXX drive from my office, and I smelled a rat, so I decided not to return. I just got home from work and saw that the dealership out about XXXX hard inquiries to banks while I was in the waiting room earlier in the day. What a scam. They lied about the loan approval for the sole purpose of getting me in the door ( over an XXXX drive each way ). It appears to me they are running a special finance cattle call. 

Deceptive Trade Practices & False Advertisement - They never DID have a lender or an approval. My guess is they lied to get me in the door and figured they 'd find a way to sell me a car once i was physically there. 

Truth in Lending - They submitted credit applications to over XXXX banks. I 've asked for copies of what they sent to the banks regarding my applications, and was refused access. I am accusing them of submitting false credit applications on my behalf.
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

my wallet was taken and I had my pin written down on a piece of paper someone used my debit card along with information on my drivers license to cash a counterfeit check into my account. XXXX XXXX XXXX honored the check without positively identifying if the person was me. I filed a claim regarding identity theft but the did n't honor in my favor because my in was used. I do n't think that was fair because I did n't expect anyone to steal my wallet and I did n't expect XXXX XXXX XXXX to not be more careful identifying me before cashing a check from a name, state and place, that has never been used in my account before, based on activity in my account you can clearly see that my account was used for direct deposit from my job. please help me I need a bank account and this is preventing me from getting XXXX anywhere.
Consumer complaint received 2016-02-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was on the phone with Bank of America customer service for over an hour today trying to change the name they had for me on the computer to the name they should have had that was listed on the loan application they accepted. I did business with BofA 10+ years ago and funny thing is they had updated my email and phone number to my current one listed on the loan app but they did not fix my name or address. The loan dept told me they would transfer me to the online dept and they should fix it easily since all of my loan paperwork was correct. I got transferred and told the lady what my issue was and she asked my name to which I replied my current name and she said I 'm sorry that is not what is on the acct I said I know that is why I am calling and she said well I need you to verify the correct name so again I gave her my correct name and she said that was n't right and transferred me back to the loan dept. The loan dept then tried to get it changed themselves, it did n't work, she transferred me back to the online dept who this time told me I would have to go into my local branch to verify my identity. I told them there was no local branch and they transferred me somewhere else this time and after explaining my situation all over again the lady said we can do it through mail but I do n't have the papers I will have to transfer you back to the loan dept. Again I held but this time it was for 30 minutes and I just gave up because I am at work after all ....
Consumer complaint received 2015-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

We filed for bankruptcy in XX/XX/2013 but have continued to make our mortgage payment to Ocwen Loan Servicing each month, on time.  They sporadically send monthly statements with the payment coupon.  I have called them numerous times to let them know we expect to receive the monthly statement with payment coupon and they are still not doing this regularly.  They seem to miss every 3rd month.  It makes me feel that they WANT us to default on this loan.
Consumer complaint received 2024-08-16
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: Experian Information Solutions Inc. (OR)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-16
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (GA)

When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a habbit of setting up online payments to pay off the balance on my Bank of America credit card every month. In XXXX of 2015, I noticed that Bank of America had gone in and modified my authorized payment - without any notice to me - to reflect an amount lower than what I had set up. If I had not caught it timely, this practice would have exposed me to interest and fees, despite having received a " confirmation '' for the payment that I had previously authorized. Bank of America representatives initially denied that anyone on their end could change payments scheduled by a customer. After elevating the issue, I was finally told that the modification had been a " computation error '' made by a " new system '' and that it would not happen again. The issue has now repeated itself and Bank of America representatives are now repeating the same lines they used last time, stating that no one on their end can change scheduled payments - despite already admitting after their previous investigation that their " automatic '' system does in fact take actions to modify customer payments and expose customers to interest and fees without notice.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (TX)

We locked up the mortgage rate for a mortgage application in XXXX XXXX. The locked-in rate was valid for 45 days. XXXX requests many documents separately over numerous times. Our turn-around time for all the requested documents was less than XXXX hours. Many of the requested documents were redundant. eg. request a copy of passport and work visa. 

The mortgage application process took so long that our 45 days lock-in period has expired on XXXX XXXX. Due to the upward trend of the mortgage, we end up paying extra penalty {$1500.00} to buy points in order to get the same mortgage rate. When we asked XXXX why the application process took that long. XXXX blamed the long delay on getting ready for the title report. Then, we asked for the name of the title company, that we deal with our application, two times. XXXX did not provide us with the name of the company. Therefore, we can not verify the long process was caused by the title company. From our previous 20 mortgage applications experience with mortgage application, the earliest title report which was ready within the same day ; the longest title report was ready within the same week. There are many title company out there. When one title company fail to provide the title report within a week, mortgage broker should choose another tittle company. 

We were forced to pay a late mortgage penalty for our previous mortgage company. We were promised our mortgage application would be funded XX/XX/XXXX. Therefore, we thought we did not need to pay our XX/XX/XXXX mortgage payment, in our previous mortgage. We received phone calls from collection agency threatening us our house would be foreclosure within weeks if we did n't pay our XX/XX/XXXX mortgage. Debt collectors also threatened to report our late payment to all three credit bureau.
Consumer complaint received 2015-06-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I was profiled as a XXXX male in XXXX Wells Fargo branches and yelled at in a XXXX branch over the phone and then was told by corporate security they were closing my account. This guy yelled at me. I have reported this to wells Fargo. And asked to get the video tapes of my harassment. They will not help and refuse to acknowledge any wrong doing on the part of all employees involved. They have denied me access to any wells far go bank and said they will call the police on me if I ever go into a wells fargo bank again. This is XXXX and an act of XXXX threats towards an individual consumer.