davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NC)

I was not sent anything before they sent to collection and the man tried to say I was not going to pay the bill and I told him I never said that .I was waiting for the final bill .he told me the final bill was XXXX but XXXX was turned into collections and the is XXXX of which I was a long time customer financially I had to cancel services .So now even when the bill is settled it will be on my credit for 7 years .I want it taken off
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Bankruptcy — 
Company: AMERICAN EXPRESS COMPANY (NC)

I filed for chapter XXXX protection 5 years ago and discharged/paid off the protection. I tried to get a home equity loan for repairs because a negitve by American Express still on my report that should be removed since they were XXXX of the creditors that were part of the bankruptcy. Why is this negative report still on my credit report.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (NY)

My friend ( who has the same name but different middle initial and address as me ) notified me that American Express had linked my Membership Rewards account to his account, and that he had full access to use my point balance for purchases, as well as view what I was spending points on, what I was purchasing with them, the airlines I was traveling with, etc. 

It took him 3 days on the phone with AmEx to switch this back and they told him it was because they just used general name + location data to link his account ( despite both of us having different middle initials and addresses ). Furthermore, American Express never told me about this incident and incredibly, I had to find out from my friend - it 's unnerving to know that a ) my privacy data was unknowingly leaked, and b ) even after my friend had complained, I personally was not notified that there was a privacy leak on my account! 

This is completely unacceptable and am requesting American Express to provide me with a sufficient solution to this situation.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NJ)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This company throws every possible obstacle at consumers requesting their report so they are forced to go with purchasing one. While I could easily get my report from XXXX and XXXX and just as easily dispute with them certain items, it was impossible to do so with TransUnion. Yet, all of the alleged issues preventing one from getting their free report or filing a dispute will magically disappear as soon as one show interest in purchasing his/her report. This amounts to coercive attempts on their part to gain business, especially when one is in need of utilizing a line of credit or mortgage. XXXX T.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OK)

I applied for a loan with XXXX different lenders and was presented with XXXX different credit scores from Experian. My credit union provide XXXX different scores. While in the credit union I was told that my Experian score was at XXXX. They turned down my loan but sent be an Adverse Action warning and the Experian score was at XXXX. I applied at a different lender for the same loan and was told that my Experian score was at XXXX. Same Credit Reporting Agency giving out XXXX different scores. It appears to me that this is against The Fair Credit Reporting Act. If not why do we allow them to control our credit history and scores when they can not give the same score to every lender?
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of Michael J. Scott, PC (TX)

Received a noticed on taped on a gate stating that we are being sued by XXXX XXXX XXXX XXXX. I do n't have a clue who this or what debt they are claim as it does not appear on my credit report. If they are attempting to collect as bulk debt perchaser they should have been made to send proof of the debt is owed by me. The documents they stuck to my gate even look fake and the note states that this does n't have to be settled in court to contact some shady law office of Scott, Parnell and Associates.
Consumer complaint received 2024-10-12
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2017-03-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (WA)

I am receiving letters from First National Collection Bureau , Inc for the current creditor " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

Borrower paid {$210000.00} for XXXX, GA XXXX in XXXX, relying heavily on market value assigned by appraiser selected by Lender Wells Fargo Home Mortgage. Original mortgage balance was {$160000.00}. Current mortgage balance is approximately {$130000.00}. Mortgagor attempted and failed to refinance principal mortgage balance with Wells Fargo Home Mortgage in XXXX, XXXX and XXXX. Mortgagor invested more than {$50000.00} in property improvements from XXXX to XXXX. Appraised property value plummeted to $ XXXX in XXXX and $ XXXX in XXXX, according to appraisal companiesselected by Wells Fargo Home Mortgage. Mortgagor requested Lender to modify principal mortgage balance by {$40000.00} to offset hefty market-driven decline in property value. Lender declined. Mortgagor requested Lender to provide copy of original XXXX Application signed in XXXX. Lender could not provide copy of XXXX Application signed in XXXX. Mortgagor has been advised by other lenders that existing mortgage loan is non-conforming and is not owned by XXXX or XXXX XXXX. Wells Fargo Home Mortgage did not disclose to Mortgagor that loan is non-conforming and restrictive. On XXXX XXXX, XXXX, Wells Fargo Home Mortgage XXXX, GA branch Home Mortgage Consultant XXXX XXXX XXXX ( XXXX ) informed Mortgagor he had checked with his supervisors and learned mortgage loan is HARP eligible. Mortgagor requested HUD-GFE disclosure for HARP refinancing. XXXX XXXX XXXX sent Mortgagor XXXX Application that contained factual errors and disclosures for a Conventional refinance -- not HARP -- with interest rate of 4.625 %, and estimated closing costs of {$3300.00} that included appraisal fee of {$430.00} for Lender 's benefit only. Requested documentation was extensive, even though Mortgagor has a current FICO score of XXXX and more than 12 monthly payments in reserve. Every time Mortgagor contacts Wells Fargo Home Mortgage for copies of loan documents and resolutions, a different Wells Fargo Home Mortgage representative responds with dismissive rhetoric stonewalling requests and resolutions.
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (WA)

I paid a debt owed to XXXX, but the collections agency, Rash Curtis, continues to harass me, calling during work hours and trying to get interest on the already paid debt to XXXX. I have an email from XXXX attesting to the fact I have paid my debt in full.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (UT)

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Consumer complaint received 2024-10-12
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Tunderstand that acording to fedeal Law 15 .5. code 16513 ( 2X41 ), a corsune report does aor 2926 information solely as to transactions or experiences between the consumer and the person making the payment 1 also understand that according to federal law 15 U.S. code 1666b ( a ), a crediter may not payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXXXXXX is suppose to update on the XXXXXXXX XXXX XXXX XXXX says Experian and still showing XXXX XXXX owed on my report. It is paid off XXXX balance I need this updated as soon as possible.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (MD)

I had paid for credit bureau freeze service from Equifax a while back. I was then provided with a PIN that would allow me to unfreeze my credit report and allow the Equifax credit score to be accessed by a lender. That PIN has been lost. On XX/XX/2016 - as outlined in the bureau 's procedure I sent copies of D/L and Passport and a {$5.00} check to request a replacement PIN. On or around XX/XX/2016 - the check was cashed ( cancelled check image attached ) BUT I have not received a replacement PIN as yet. I have applied for a mortgage on XXXX so I desperately need the replacement PIN. I had the same issue of lost PIN with all XXXX bureaus : XXXX and XXXX had adequate customer service to solve the issue on the same day. Equifax is an outrageous outfit that should not be allowed to earn any revenue on value added services such as file freeze UNLESS they have adequate customer service to support them. Lost PIN is a common customer experience instance and Equifax has no adequate / fair way to address it.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Late fee — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I set up the credit card for auto pay. The user interface at the Web site ensured me that the card was set up for AutoPay for entire balance each month the card became due. Attempts to pay the balance were met with the Web site warning " Your account is currently set up for AutoPay ''. The card issuer did not process the AutoPay payment claiming they do n't do it the very first month it 's set up, which resulted in late fees and interest charges I specifically wanted to avoid.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CO)

I had been making many payments towards this loan throughout a month rather than a single payment. I was not made clear on how the money paid was distributed between the interest and the principle for the loan, although I had initially understood these were " principle only '' payments. 

The real issue occurred when without ANY communication from Wells Fargo, the payments I 'd made began being unapplied ( and not credited back to my checking from where they had been transferred. ) After multiple phone calls with the bank, I was unable to get any answers as to why they were doing this to the account. No one, even the XXXX different managers I had spoken to at different times, could explain anything other than that the account was under maintenance and to check back in a few days after the system " refreshed ''. Nothing would get fixed and I would call again, spend hours on the phone etc. 

I was never clear as to why or what this department was doing when they were unapplying my payments. They have since reapplied them in some manner that I did n't make sense of. I paid off the remainder of the loan asap after that, but will never be clear as to whether I was charged interest for the time period that my balance reflected considerably more that was owed. I also believe this will possibly affect my credit score as it showed the account as delinquent for over 30 days ( when I was significantly AHEAD of the payment schedule ). 

I am concerned that Wells Fargo has the authority ( or the audacity ) to move a customer 's money around without permission, explanation, or purpose ... especially without communicating with their customer. I am led to believe that this incident was done to benefit Wells Fargo, or a Wells Fargo employee.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I submitted a dispute with XXXX XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 XXXX  removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from XXXX, XXXX, Equifax. To date this information still remain ....
Consumer complaint received 2024-10-17
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has foreclosed on my mortgage loan and is trying to take possession of my home without having given me the proper opportunity to modify the loan ; nor did they submit subsequent notices as required by law ; and they used Atty. XXXX XXXX an employee and attorney for XXXX XXXX XXXX claiming to be a XXXX representative to fraudulently assign the property ( ROBO signature ). 
Though I have taken this complaint to Appeals Court, the issue was never answered in response to my original complaint : That nothing in Wells response shows they qualified or considered me for XXXX ; Wells violated the consent agreement made with the Dept. of Justice and Illinois XXXX, XXXX XXXX 's office which is supposed to require them to attempt to keep me in my property. 
Wells mislead Consumer Finanace Protection Bureau in their response to my complaint ( CFPB Case # XXXX submitted XXXX/XXXX/16 ), and Wells did not answer the fact that no XXXX modification had been attempted, and Wells representatives did mislead the Court when they fraudulently assigned the loan. They need to produce the assignment. 
They do not comply to the consent order made by the Justice Department. Wells simply says in their CFPB response to my complaint listed above : " we 've determined your account was handled appropriately and no adjustments are needed. '' Will the CFPB make them answer the issues of my complaint, or simply take Wells Fargo 's word for it accepting their side of the story and my complaint just goes away? I am in jeopardy of being displaced with my children and another family, living with the threat of the XXXX coming.
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

Applied for a refinance of our mortgage with Wells Fargo Mortgage department with XXXX XXXX, Home Mortgage Consultant - XXXX ID XXXX. I submitted all the paperwork with the help of my husband and then XXXX said that we could use the previous appraisal. That was on XXXX XXXX, 2016. We waited 2 weeks then he said that it was in some committee and they were deciding IF it could be used. I told him let 's just get a new one. Another week went by and still no decision so we contacted his manager XXXX XXXX. XXXX did n't get back with me and when he did he said he " forgot '' to contact XXXX. We never heard why they could n't use the old appraisal. On XXXX XXXX, 2016 XXXX said he would order a new appraisal and to contact him if we did n't hear from anyone. We contacted him on XXXX XXXX, XXXX XXXX and XXXX XXXX and each time he said he would escalate it. Today I told him we want to speak with XXXX XXXX 's manager. XXXX refused to do so and wrote the following " No need to be rude. I am trying to get this handled just like XXXX is. I thought you were asking me for his information again. '' Yet he never gave us that information. XXXX XXXX was cc 'd on the e-mail and never reached out. We called his office and his cell. No return call. His cell 's voicemail was full. XXXX is no longer reaching out to us and our 60-day lock expires on XXXX XXXX. We still do n't anything about getting an appraisal. Our fear is that because interest rates have risen they are trying to stall so we 'll have to pay a higher rate. We think so because XXXX kept pushing us to get a 30-year loan with a higher interest rate rather than the 15-year loan. Interest rates have risen. We are 34 days into a simple refinance and we are still getting the run around. We escalated to their " mortgage escalation department '' and XXXX XXXX said he would look into it on XXXX XXXX, 2016. He called on XXXX/XXXX/16 and just said he would contact XXXX and XXXX, which obviously, was n't going to help. XXXX XXXX would n't give us XXXX XXXX manager 's name either and did n't return our phone call on XXXX/XXXX/16. We still hope to close and just would like a new mortgage consultant to take over OR for someone with a higher level within the company to supervise them and allow us to close on or before XXXX XXXX or give us an extension on our lock date.
Consumer complaint received 2015-08-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NJ)

On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to Enhanced Recovery Company , LLC, XXXX. XXXX XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The first payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, ERC called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.