davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

On XXXX, I had XXXX checks clear my account. XXXX for {$300.00} and the other for {$160.00}. On XXXX/XXXX/15 I transfered money from my other checking account to cover ATM transactions and some other Credit transactions. Please see the attached document, which clearly shows I had a posititve balance post on XXXX, yet they still are charging me {$35.00} for each check that cleared. The other credit transactions, along with my transfer has not even posted yet. I understand an authorization was placed for those credit transactions, however, if the balance was negative on XXXX after checks cleared, why did they authorize more transactions? Wells Fargo has a habit of back posting debits/checks if they see it will make your account go negative. I have experienced on more than XXXX occasion, yet they wait to credit deposits. I have XXXX separate checking accounts ( XXXX are mine and XXXX is my son 's ) I realize having XXXX accounts confused me on which acct I was using for those credit transactions, which is why I immediately transfered cash from my other account, which had more than sufficient to cover my transactions. As you will see from the attached document, it shows a positive balance of {$18.00} AFTER the checks were paid.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

There are several discrepancies on my credit report. I had initiated a fraud alert but the very items in question proceeded to collections. The judgments have been ruled in favor of the collection agency based on fraudulent address ( utility bills and cell phone bills ). 
Also due to unemployment, I lost my home due to foreclosure after that I received an amended tax bill stating the credit card balances has been recorded as income on cards that we settled through a debt settlement.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

We ca n't reach them. I received a letter from XXXX that I was approved with a XXXX score and that I can call or go online to www.equifax.comXXXX to request the free copy. I have called and the voice prompts wo n't allow me to get the report and there is no way to reach a human. I have gone online and it states " it is unusual for someone below XXXX to have credit and if I want to file a complaint of fraud I need to send personal documents such as birth certificate, social security number, drivers license, etc. to open a case ''. This is insane to send XXXX with no signature ( just sending it in general ) is a major chance of getting in the wrong hands if lost. The phone recording wanted a fee to get the information as well. 

These bureaus control our lives with credit yet give no means to reach them. This is a serious concern for a graduate of this year who will need credit for school or going into the job market. These credit bureaus need to be mandated to have a person to contact. We need a copy immediately and have no way feasible to reach anyone to open a complaint. 

Not an expert on credit report but it seems highly unlikely to have a score without credit and we suspect that my credit has been jeopardized and have no way to confirm or start a process. I will attach birth certificate and letter from XXXX approving my credit card and the reverse of the letter showing my score. The approval process was through XXXX which XXXX gave a credit card as well as XXXX.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Good Morning, I am contacting the CFPB again about my account with Ocwen Servicing , Ln # XXXX, Since the last time I have contacted CFPB supposedly the account was corrected. Yet, the account is now showing two payments past due when just the day before it was due for XX/XX/XXXX. I have no clue what is going on as Ocwen sends notices, but nothing matches up to what they are doing. Please note previous complaint as I an get very upset with the manner the account is being handled again. To my records the account is up to date, and due for XX/XX/XXXX. I would like the CFPB to do a complete audit on my accounts as I have no confidence with nor trust Ocwen Servicing. I honestly think they are taken advantage of the loan modification as my balance keeps going up. I had financial problems in the past, but I am coming in good standing these days. Please, please have someone audit my account as I trust you all and have the confidence it will be handled correctly. I am trying to maintain and move forward and Ocwen keeps make changes.
Consumer complaint received 2015-09-17
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Roycroft Management (FL)

This was sent via email to me from my main office. I am a teacher in a classroom. I have asked this company not to call me and to stop calling my job and my family members and they call several times a day. They have threatened to arrest me at work. I have emails and telephone messages to verify these actions. I do n't believe this is even a valid debt. 

XXXX # XXXXCall before XXXX in order to NOT get served. 



Sorry, I 'm just the messenger XXXX XXXX XXXX XXXX XXXX ext XXXX
Consumer complaint received 2015-09-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have an account with Huntington National Bank, and I am also set up with text alerts. I manage my account based on the current balance and what is outstanding. On XXXX I received a text alert stating my account had over {$300.00} positive in my account on XXXX. and every time I swiped my card XXXX average swipe was no more than {$10.00} per transaction ), leaving me with an end of day balance of around {$310.00} at day end processing. I had a check go through the follow evening on XXXX for {$75.00}, and it showed my beginning day balance of $ XXXX. I called the branch and no one was able to speak to me at the time I called, so I left a message. I then called the Branch Manager later that evening and spoke to him and he reviewed over the phone, and said he would talk to his district manager and call me back. By the time EVERYTHING went through and posted ) ( minimal debit card transactions ) My account was XXXX. Not one PERSON could explain why. I contacted telephone banking on XXXX, to no avail, no answer.. called the branch again and they advised the Branch Manager no longer worked there. I then left a message for the lead teller. She never returned my call. Then on XXXX, I called again and finally spoke with the Asst Branch Manager, and explained everything ( by now I had racked in over {$300.00} in service fees XXXX. He then advised that there was a debit card transaction that had gone through my account of {$300.00} and it was approved and paid. It was a legitimate charge however, I was NEVER told this previously and my text alerts never reflected this transaction coming through ( as it should, since I get an alert with EVERY transaction ). I told this to the ABM, and he said that I should not rely on my alerts as truth. I then told him then why even have that as an option, if it is n't correct. He could n't answer that. I told him I wanted to speak with his Regional Manager. He left her a message. She called me back yesterday, and although she is " sympathetic, '' she will not refund any fees. She said that I had been allotted enough fee waivers, and even though it was their fault with not properly posting the real debit on their end, there would be no fee waiver. This is completely disconcerting. This is unfair and very deceiving practices.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I keep disputing an open collection account from XXXX XXXX. I have contacted this company and Experian to remove this negative information from my credit report and they say they investigated the matter and it just keeps appearing after 3 years. It is also showing on my idenity guard account.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX XXXX I started the process of a loan modification. I was assigned a Case Mgr to ensure that all documents were signed and received in a timely manner. In XXXX XXXX, I was advised that the modification was declined and they stated that " They could not prove my residency ''. I was very confused as to why they declined for the reason, so I sent a letter providing proof of my residency, 6 months of bank statements etc. So the process for the loan modification started over again or so I thought. Bank Of America has stopped responding to me, I 've submitted letters ( I have proof of the letter ) and I have also contacted the investor HUD to ask for assistance. We are not getting anywhere at all. I really need HELP. My husband is a XXXX American Veteran we really need help. Bank of America 's connection history is not great .. I really need help. Apparently Bank Of America realized that bank in XXXX they made an error in recording my previous modification with my county recorders office and Bank of America has placed a stop to my modification process because due to their error. I do n't feel its fair to me because they made a mistake.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P. (CA)

I received an unknown bill from Southwest Credit representing XXXX on XXXX XXXX. The bill was for {$62.00}. I have never paid XXXX less than {$90.00} per month and I do have another XXXX account currently. No invoice was received from XXXX. I am of course happy to pay the bill with proper communication and explanation - I paid it to protect my credit. 

Southewst Credit called my parents before I was contacted. According to the XXXX XXXX XXXX Collection Practices Act this is not allowed.
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I have been applying for assistance since XX/XX/XXXX. My loan is an FHA loan and my lender Wells Fargo Home Mortgage has been refusing to review me for assistance since then. They keep having me send paperwork over and over and then block me from a review each time stating they can not review me without a new change of circumstance. My husband who was half of the income for the household moved out in XX/XX/XXXX. He moved back into property after we reconciled and this was our change in circumstance. My household income went from only XXXX source back to XXXX. Wells Fargo has only played games to buy time to be able to stall and get more for my house. They never had the intention of reviewing me for assistance. They only placated me by taking my paperwork, but never actually reviewing it for assistance since XX/XX/XXXX. They did this in order to buy time and now they are trying to push me out of my home without even reviewing me for assistance to save my home. I now have a sale date and I finally hired an attorney to get my financial packet complete and they now state I can not reapply without a change in circumstance. They have been using this excuse to turn me down since I started asking for assistance back in XX/XX/XXXX. My change in circumstance is that my husband moved back into the property with me so my household income has increased and our out of pocket expenses have decreased. They have never actually reviewed my file for assistance. They continually deny reviewing me for assistance stating that I have no change in circumstance. No matter how many times I tell them there is a change, they just refuse to actually review me for assistance. I only want to actually be reviewed for assistance. I am being told by my attorney that I do qualify for a standard recap modification now that my husband moved back into my house. That Wells Fargo blocks borrowers from assistance as their common practice. Please make them stop blocking me from an " actual '' review and help me save my home. They have never had the intention of reviewing me for assistance and are solely trying to just block and foreclose.
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

We contacted Midland Credit Management to settle outstanding credit card debt, which they purchase for the original creditor. Midland Credit Management sent us settlement letters, with settlement amounts. We purchased cashier checks in the amount requested and returned copies of their settlement letters with checks in the amount of the agreed settlement payments via certified mail. 

A few weeks later we were contacted by Midland Credit Management who stated we would need to pay the settle amounts again, because payment was not received in a timely manner. 

In good faith we made payments as Midland Credit Management requested and still we continue to receive phone calls and letters. 

Midland Credit Management did not return the payments and is refusing to show the debt as paid to the credit agencies.
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (AL)

XXXX XXXX and XXXX XXXX is reporting duplicateaccount on my XXXX, XXXX and XXXX Credit reports, The amount owing on the account was {$60.00} not {$220.00}. Have contactedthem several times and they have refused to remove this falseinformation. I have contacted all credit reporting agencies regarding this matter also. Please delete incorrect information.
Consumer complaint received 2015-09-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Solidus Group LLC. (NH)

This complaint is being filed because I am concerned that I have been made victim of misrepresentation and that this company has taken my money ( because I authorized it ) and they have been very uncooperative in helping me find a resolution. I first started feeling this way because I was preparing for my records some 'Paid in Full ' statements from companies that I had become delinquent with. I had called one of the companies that I was trying to request said information and they informed me that I still owed money to the company and that my account was in fact not resolved. I recalled my financial records and it stated that I paid a lump sum of {$510.00} and remembered the call that I had received from this company. The call itself was left as a voicemail and the gentlemen on the phone said that he would be sending me a court summons if I didnt call to resolve this matter before a certain date. In a panic and being scared I called back instantly and tried to get this matter resolved. The same voice that left the voicemail answered and read me a line of information and then connected me with another man that took my debit card information and I set up a payment plan to try to resolve the delinquency that I had been in. Flashing forward to when I tried to get the documentation that stated I was paid in full the company told me that I had not paid anything. I then called 'Clear Credit Solutions ' and I was forwarded to a man who said he was in his car and was not at 'the office ' and he would call me back once he was. The gentlemen didnt return my call nor did he take my phone number for a " return call. '' I waited a few hours and called again, got a voicemail, left a message with my name and phone number to be called back. A few hours back I received a call from a gentlemen stating that he was forwarded my phone call to talk to me about the charges. I asked the gentlemen if he could tell me what the account was that I had paid of and he stated that he did not have that information but he had " an account number '' but no account information. When I asked if he could send me a receipt for my charges, the gentlemen sent me a word document that had seemingly just been typed up and for an amount that was incorrect, though I paid {$510.00} ( as per my bank statements ) the receipt was for {$510.00} I am not pleased with the service that I have gotten, I am not pleased with the fact that my money was taken because I was threatened into giving my money to this company and I am not pleased that there is " no access to my account information '' so that I have no idea what I paid for.
Consumer complaint received 2015-09-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I have a checking and other accounts with USAA Bank ; much to my surprise and dismay, on Monday, XXXX XXXX, when I logged on to their internet site, I could view my daughter and her husband 's checking account information. Not only could I view their financial information but I could also perform transactions. This breach of security is disappointing in an institution which I had previously trusted. I have attempted to resolve this problem with USAA but have not received a satisfactory explanation or apology.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Sometime XX/XX/XXXX my wife applied for and was issued a credit card in her own name XXXX my name not associated ) from XXXX Bank XXXX perhaps their predecessor, XXXX XXXX. This was during the freewheeling credit period when banks were issuing credit cards to babies, names from tombstones and to family pets. Subsequent to the issuing of the card the account was sold many times to, among others, MBNA, XXXX XXXX, XXXX Bank, Bank of America, and ultimately FIA Card Services. At some time during all these sales someone interjected my name as XXXX the owners of the account. My wife subsequently filed bankruptcy against the debt. FIA Card Services is now attempting collect this debt from me. I have spoken to and written to FIA Card Services on a number of occasions explaining their error but they refuse to acknowledge the mistake. I have asked for any documentation they may have that would associate me with the account such as a credit app or my signature on any purchase receipt or any other documentation they may have. They have replied on more than XXXX occasion that they are " unable to locate the item ( s ) '' I have requested. Even though they have no valid reason to associate this debt with me FIA has reported this misinformation on my credit report and is now trying to extort money from me to satisfy this debt. 
FIA has admitted that they have no documentation to associate me with this debt and yet they continue to report this damaging information on my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Hey Equifax, I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Consumer complaint received 2015-12-15
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I would never bank with chase and I advise anyone else to do the same I had a dispute with XXXX the lady at chase told me what I could dispute and what I could n't so I did what she said so a month latter there is XXXX dollars taken out of my account I go to chase to find out the problem they called the department that handles fraud the guy said the dates I disputed was not in the time allowed but the chase persons told me what dates I could dispute then he told me they took XXXX dollars out of my account and gave it to XXXX the said they send me an e-mail did n't get it they said they sent me letter did n't get it is asked did u call me he said no then he said u have to go to XXXX to get your money back its XXXX XXXX XXXX go 's a long way for my daughter but chase did n't care so I closed my account if anybody is thinking of banking with chase do n't do it they do n't care about the person just the account there business practices and customer service is horrible I ca n't stress enough if u want to have a trusting relationship with the people u I trust your money to and when they make a mistake with your money they try to help solve the problem not you have to go to the people we gave it to to get your money back Do Not bank At Chase My wife banks at XXXX XXXX XXXX she has never had a problem like this I will tell anybody who will listen if u want a bank to trust with your business DO NOT BANK AT CHASE