davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo 's last letter to me stated that I willingly put a check in online and it somehow appeared in a specific branch. Upon speaking with a customer service agent of another bank, that is impossible. When a customer takes a picture of their checks, they still have the check itself in their possession. So if you take a picture of your paycheck, and upload it to us bank. It does n't show up in XXXX if you deposit it online or via mobile in XXXX. When it 's a picture taken online or via mobile app, it is still visible to you. Unlike when you go to an actual branch, it is taken from you. But mobile banking and online banking both do n't have any way to put the check in any specific branch. I did not willingly put anything anywhere. Knowing that I have told their representatives I only get ssi, and knowing that nobody gets {$15000.00} in ssi, that would be logical that my account was highjacked. The most one person may get in ssi, may be about {$2500.00} to {$3000.00}, but no more than that. As well as they stated that if you report that funds were put into your account as an unauthorized access to the account, then as long as you report it within 60 days, it should be resolved. If they think willingness, is about giving permission, it is not. If I willingly put {$15000.00} in that account, and making only XXXX a month in ssi, I doubt I willingly put anything anywhere. How can I come up with XXXX, when at most, one could only get {$1300.00} from XXXX payday loan companies? {$730.00} + {$1300.00}, equals nothing close to {$15000.00}, and the person who put it in there is XXXX XXXX, in XXXX, I do n't think that 's logical. And also, they state that in their funds availability policy, that any amount over {$5000.00}, is to have the first {$200.00} available the first business day after that was deposited, well then if that be the case, mine were available the first day they were put in. XXXX XXXX is the check issuer, but that check holder is XXXX in XXXX. And by federal law, he should be in prison for committing a purposeful fraud against wells Fargo. But wells Fargo looks at me for fault, when the last time I 've travelled outside of XXXX, is when I was a very going minor child. The check was unclear to me online. I do not know any XXXX XXXX, with XXXX XXXX in XXXX. Willingness is not permission. If what they state is true, then why was the check from an XXXX account, and XXXX address. And what about the check being from XXXX XXXX, in the fact, that they refused to hand over certain information that would have prevented me from being held liable.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NC)

My Citi Simplicity credit card number had been stolen a month ago. I worked with Citi Simplicity to contest and resolve unauthorized charges on my card, and was issued XXXX new cards. After review of my statement from the past month, I realized that of the XXXX unauthorized charges, all had been credited back except XXXX. I called the number on the back of my new card to speak with someone so that I could get this overlooked charge removed. I have tried calling the past 3 days, all while being on hold for 30+ minutes, resulting in having to hang up each time. Recently today I called the fraud department # that was on the text message I received, thinking that would fast track me, no luck. In this case I was on hold for 15 minutes, then an automated recording came on to tell me to call back later. I use this card heavily every month for work expenses, I expect to be able to get in contact with my credit card company, should there be a charge that I did not make. As of this afternoon, I have yet to speak to an actual person, while I still have an unauthorized charge on my card.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (AZ)

I signed up for Nationwide Biweekly Administiration 's program. The program was to reduce my interest payments, and the length of my loan by withdrawing half of my mtg payment twice a month, effectively making one additional payment a year to be applied to extra principle. Implicit in this arrangement is that this program is to be in effect for the duration of this loan, as the purpose is to reduce the length of the loan. My service was suspended in XX/XX/XXXX and has not resumed, false promises were made that the program would resume in XX/XX/XXXX. It is now XX/XX/XXXX. They have ceased ALL communications and will not answer my e-mail. When I call on the phone, I get a CSR parroting lines from a script. They have collected the full fee for their services and have not delivered. They have flat out said they will not refund anyone part of the fee. Now I find this article that a complaint has been filed against these crooks. I would like to add my name to the list of people who are due compensation from this crooked company.
Consumer complaint received 2016-07-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M. Richard Epps, P.C. (VA)

M. Richard Epps P.C. and XXXX XXXX XXXX bought a contract from XXXX XXXX XXXX XXXX XXXX, that the original Creditor XXXX XXXX XXXX XXXX XXXX had Written Off Profit and Loss with a {$0.00} balance. XXXX XXXX XXXX XXXX XXXX only reported accurately to XXXX Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor XXXX XXXX XXXX XXXX XXXX only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor XXXX XXXX XXXX XXXX XXXX shutdown as of XXXX XXXX. How can XXXX XXXX XXXX XXXX XXXX continue to report fraudulent account activity to XXXX and XXXX. Also, XXXX XXXX XXXX XXXX XXXX can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX Law Firm, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. XXXX XXXX XXXX XXXX XXXX was Removed from my XXXX Credit Report on XXXX of XXXX with a Balance of {$0.00}.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I was in an active Bankruptcy that was finalized and suddenly I receive a default letter from Navient that I am XXXX delinquent. This was the first notification I had received from them since my Bankruptcy was finished. I called to work out payment options to lower my payment and they immediately put me in forbearance with no option to make a payment. Penalties and interest are continuing to mount. All I want to due is lower my payments and start paying my debt back, but they seem to make it difficult.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have been forced to pay an annual fee of {$59.00} to Capital One for a credit card that I can not use due to its " restricted '' status, for two years in a row. Capital One refuses to close my account because they say they can not verify my identity, even though I sent them, via email, all the official ID docs they asked for ( social security card, proof of address, drivers license ). They said they think I " altered '' my own ID documents. Therefore, I 'm trapped in this cycle of trying to cancel my account, they refuse, they charge an annual fee for a product I ca n't even use.
Consumer complaint received 2016-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

A few years ago I started getting phone calls and a monthly bill from XXXX XXXX XXXX XXXX, XXXX. I asked the person who called me, who was the creditor, and they could not verify my questions. The original creditor is HSBC BANK NEVADA , N.A . They are telling me they can sue me and turn me into the credit reporting agencies. I 'm confused because I am paying my student loans monthly to the department of education. I did send in a payment a couple years ago. It never got taken off my balance nor did I get a receipt for it. So I have not sent any more money to them. They have pre-approved me for a discount in this letter. Their are XXXX different company names on this letter. I sick of them sending me letters and calling my home phone number. I feel like they are not who they say they are and I feel like I 'm being harassed by them.I honestly think these are not the right creditors and they are trying to scam me out of more money. I do have some unidentified things on my credit report and that is how I came to your site and seen you guys were investigating this company
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed the information to Trans Union and have requested the method of verification and Trans Union has never submitted the information regarding how and whom they spoke with to determine how the inaccurate / erroneous information was verified. I understand that they had 15 days to verify stating that I made a last payment XX/XX/XXXX Trans Union has verified this inaccurate / erroneous information and then have ignored my requests for the method of verification as provided under the Fair Credit Reaporting Act.This inaccurate INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY..
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

I had a mortgage with XXXX for at least a dozen years. A couple months ago, they transferred it to Ditech for servicing. I am not, nor have I EVER been late on my payments, yet every communication I receive from them tells me " this is an attempt to collect a debt. '' I sent them electronic correspondence about this on XXXX/XXXX/16 ; a month later I got a letter stating that they were still researching and I would get a response soon. When the response finally came it was a generic " Apology '' letter that said : Thank you for bringing this matter to our attention. We regret any dissatisfaction you felt regarding the service provided. Please be assured, appropriate department management has been notified, and has addressed the issue accordingly. '' And at the end of the letter was the " this is an attempt to collect a debt '' disclosure. It 's obvious that my complaint fell on profoundly deaf ears. Is Ditech allowed and/or required to tell me that, even when I 'm not in arrears? A customer service rep told me that a mortgage is a debt, so they can say that even when payments are current.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

Credit card stolen XX/XX/2016. Reported to XXXX cancelled card and account. Keep getting billed by Synchrony bank. Have spent hours resolving situation but keep getting billed by bank. Have not had account in months. Each month call bank and am assured problem resolved. I do not have an account but XXXX keep billing me. XXXX wits so do not know what else to do.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 
Let me be VERY clear : If these inaccuracies are not removed from my credit report within 15 days of this notice, I Request that Experian, XXXX and XXXX pay an invoice for XXXX for violations of the FCRA, seeking damages for your willful non-compliance and negligence. This could result in significant financial penalties against your organization. Additionally, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and informing my states Attorney General of your violations. Consider this your final opportunity to comply with federal law.
Consumer complaint received 2024-10-13
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: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These Inquiries I did not authorize and can not understand why no one will delete them. I asked a car dealership to do XXXX bank and they submitted my deal to XXXX banks, which was NOT Authorized. 



CA XXXX BANK XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX Finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX I XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance COAF XX/XX/XXXX XX/XX/XXXX Finance TD AUTO XXXX XXXX XXXX, XXXX XXXX XXXX Finance Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Automotive VANDRGRF CHV XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance CRESCENT BK XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WATERSTONE MORTGAGE CORPORATION (TX)

I was introduced to XXXX XXXX with Waterstone Mortgage at the XXXX TX franchise location by XXXX XXXX, realtor with XXXX with the understanding that he can close on the mortgage loan in XXXX4 weeks. On my initial contact with XXXX XXXX I found our conversation to be somewhat irrelevant since he was trying to know my ethnicity while going over the information, whether I was from XXXX. It was/is my understanding that pre-qualification and the underwriting process for a mortgage loan does not require disclosure based on national origin and thought it was inappropriate for him to inquire about my national origin. After few weeks passed I reevaluated my relationship with XXXX XXXX, the realtor who in my opinion was not being responsive to my requests or follow up on my offers on homes so I told XXXX XXXX that I may not be working with her but I will continue to work with Waterstone Mortgage and since I have already been qualified with them. A week XXXX later I asked him to send me update prequalification letter after he had factored in a new vehicle loan that was not initially factored in. The original loan qualification amount was $ XXXX and updated amount was $ XXXX. XXXX XXXX refused to send me the update prequalification letter and when I questioned why he would not release my prequalification letter, he referred to some banking guidelines regulated by RESPA that I found out do not exist. I spoke with their franchise and corporate customer service in XXXX who confirmed he falsely communicated a requirement that does not exist. He not only refused to release my prequalification letter but also refused me service after I had already been qualified for the loan with them. I reasonably believe he refused me service based on my national origin and after I had stopped working with XXXX XXXX, the realtor. XXXX XXXX NMLS Number is XXXX. I have copies of the correspondence between me and XXXX XXXX. I reached out to corporate customer service for Waterstone Mortgage and spoke with XXXX XXXX who acknowledged the situation but then transferred over to XXXX XXXX who seem to condone XXXX XXXX 's discriminatory behavior and refusal of service after I have qualified with Waterstone Mortgage. Waterstone Mortgage has caused mental anguish by impacting my first home purchase dream by their discriminatory practices that also seem to be condoned by their corporate office.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (MD)

I used my Wells Fargo credit card to purchase XXXX XXXX ticket. On the Tuesday of my flight, XXXX XXXX cancelled the flight without reason. I had to buy an XXXX XXXX XXXX way ticket for {$580.00}. I was very annoyed and XXXX promised to send me XXXX miles to make up for the inconvenience. But they never did. So i filed a dispute through my credit card company. 6 weeks later, Wells Fargo initially told me XXXX acknowledged their wrong and that they ( XXXX ) had promised to issue me air miles. They promised to check my account in 2 weeks and if XXXX did not keep to their word, they ( Wells Fargo ) would issue a refund. called a month later and was told the case was closed but Wells Fargo would happily open the case again.2 weeks later, Wells Fargo sent me a letter stating that XXXX said flight was never cancelled. Case closed. This is the most unbelievable act of laziness, inconsistence and lack of investigation I 've ever witnessed.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

I filed for a Chapter XXXX bankruptcy on XXXX XXXX, 2016 and my attorney provided notice to the trustee and lender at XXXX. Caliber proceeded with my sale any way at XXXX. My attorney contacted the trustee and they stated the sale would be rescinded due to the fact that proper notice was provided yet it is now two weeks later and we keep getting the run around and the sale has not yet been rescinded.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified Transunion that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Transunion have not removed these reportings that do not belong to me. Such as, inquiries within the last 16 months, Bankruptcy ( Chapter XXXX ), and the Release of Tax Lient. I am in need of your assistance in getting this matter resolved.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (HI)

We applied for a loan modification with American Servicing Company and have been going through the normal hassles where they ask for additional documents even though they are in the original submittal. At the same time our modification was under review that continued with the foreclosure. Now they have denied our application based on their running of an MPV [ a present value ] calculation. We are qualified for the modification - we meet the income tests etc. We ran the MPV on the Fed Government site and had a private company also do the evaluation. Both said we passed. We have submitted the report from the private company [ REST report ] and suggested ASC errored in their running of the report. ASC is saying we were denied and that is it. Now we know ASC will make more money if they can foreclose our home and they are about to accomplish that. Can you review what ASC is doing and help straighten this out. Thank you.
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kimball, Tirey & St. John LLP (CA)

I have frequently requested to Kimball Tirey & City of XXXX XXXX, to provide me with an explanation of the amount they claim I owe, how that amount was calculated and account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (PA)

I recentally went though a financial hardship and got behind on my Discover credit card. My acount was understandably suspended. I was able to get things back on track around XX/XX/2015. I spoke to a Discover card employee and explained my situation and advised I was able to pay my balance in full but asked if there was any way to get my account reactivated. She advised me that after 3 months of on time payments I could call and request to have my a count reinstated so I followed her advise. After 3 months I called to follow up and was told it was 6 months and I had to fill out paperwork which he would mail to me. A month later I never recieved the paperwork, called back in and was told they would mail it to me again. Now yet another month later, and no paperwork, I called to follow up and was told there was no paperwork involved and the computer automatically decides what accounts to reinstate or not reinstate at random. I am trying my best to get my credit back on track and make up for my mistakes but Discover has continental to play games with me and give me false and varrying information each and every time I call. Had I known this I would have paid the account and closed it months ago but instead I followed the false advise I was given. I am very disappointed in there lack of customer service to say the least.
Consumer complaint received 2016-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (MA)

Great Lakes did not send me any notice that my loans were due, they alleged that an email notice was sent, I always request my notices by US mail. Great Lakes never called, After 90 days, they sent a letter to me informing me that I am past due. I immediately paid and became current
Consumer complaint received 2016-04-09
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilber and Associates, P.C. (OH)

I received a letter for Wilber & Associates on XXXX XXXX asking me to pay {$540.00} for an accident that they say happened when a person I have never heard of crashed my car. My car has never been in an accident. They have called and harassed me on the phone, asking me for information but not providing me with any information. They sent me a letter on XXXX XXXX threatening to suspend my license. This company is disgusting and I want them to be stopped. This is a scam and I ca n't believe these people are not in jail.