davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

I am a XXXX XXXX XXXX. I filed a chapter XXXX bankruptcy and indicated on the schedules that she wanted to reaffirm her mortgage. Wells Fargo Home Mortgage sent the reaffirmation agreement late, and then would not file it once they received it. We faxed it to them and mailed it on XXXX XXXX, XXXX. This is 1 week before the deadline. They received the paper letter within time to file it, and claimed to have never received the fax. Our fax had a verification of delivery. They told us twice on the phone on XXXX XXXX, XXXX that despite having the paper they would not file the paper. Filing it takes approximately 45 seconds. Despite having the signed reaffirmation agreement prior to the deadline, they refused to file it. They instead said that the lawyer should file a motion to extend the time to object to the discharge. Wells Fargo Home Mortgage also has standing to prepare and file such a motion. They refused to prepare or file it. A motion like this costs over {$1000.00} of attorney time plus postage and service costs. They refused to reimburse the borrower, their customer for these costs.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2017-09-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc. (TN)

I was not enrolled in XXXX University. I was unable to receive financial aid because I was not enrolled. My account was placed into collections. I have paid half of the debt. My account was moved to another collection agency. I no longer intend to pay a school I was not enrolled in. I was not able to get financial aid or a student loan because I was not enrolled. The date was XXXX  2012. I also plan to put in a complaint with the Dept. of Education
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I called equifax to find out why they put a security freeze on my credit and to remove the freeze and the representative told me unless I pay {$5.00} dollars they will not remove it. I told representative that I did not request a security freeze and I will not give them money to remove anything. I asked to speak with a manager and the rep put a supervisor on the line. Her name was XXXX employee # XXXX. I explained to her I did not ask for them to place a security freeze on my credit and to remove it. She told me unless I pay the {$5.00}. This is my information and I will not be subject to pay for a procedure I did not ask for. I had to pay the {$5.00} dollars but I want my money back for a issue that Equifax decided to put on my account.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I called XXXX 's to complain after seeing a total of XXXX inquiries on my credit report with Transunion. 

I tried to lease a new XXXX from XXXX XXXX which is owned by XXXX 's. 

After being assured by salesman XXXX that they would n't be shopping my credit around multiple banks, I signed the lease papers, only approving them to run my credit for the purposes of a lease. 

The salesman said " we 're not going to send your application to bank a, bank B, bank C, we do n't do that. It will just be a soft inquiry. 

I checked my Transunion credit report and see a total of XXXX different inquiries, when I only approved of XXXX. 

XXXX uses XXXX XXXX for their auto leases. When I was not approved for the auto lease, without my permission they ran my credit through XXXX XXXX and XXXX XXXX. I did not approve them to do this. The financial manager said she tried to get me approved for a purchase. I did not approve of this. 

I spoke with XXXX XXXX on the phone and all he could say was sorry. 

This is a violation of the FCRA for not obtaining permission to run my credit for the purpose of purchasing when I clearly stated I would be leasing.
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bread Financial Holdings, Inc. (PA)

Paypal is a horrible website to use, and a horrid service to use!! It has so many issues with their website which include practically everything that they offer!! They shoud be fined and investigated to the fullest extent of the law!! 
Their horrible website will not even let me change the linked credit cards I have, which include my checking accouont debit card. I do not want that linked to paypal ever again!! 
And their website wont let me take out my debit card number!! 
And when I called, they cant even find my account??????????????????????????? 
They are FRAUDULENT, and better be investigated, I have been using paypal forever. 
And when I ordered 3 items from XXXX they all went to some fraudulent address in XXXX, NY!!!! I live in PA!!!! 
They refuse to help with this, they wont give me a credit, and they advertiste a buyer protection!! Yeah, right!! I want a full credit, plus they have to pay for overnight charges so I receive these items now!! 
There are seveal issues with them, they are horrible, and you better intestigate their horrid website, they even told me several times that it doesnt work, and their having issues.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My Mortgage became arrear in XX/XX/XXXXof y sent me an reinstatement notice stating that if you with Ocwen financial, In late XX/XX/XXXXof this year they sent me an letter stating that if you pay this amount by XXXX XXXX 2017 that they woukd reinstate my loan, which I did, Approximately ten days later I receive a letter stating that my XXXX XXXX quick collect would be returned and citing no reason.I called their customer service and they stated that the amount was incorrect and that is why it was being returned, I stated that I had received the letter and even acknowledged it, also I had called before making the XXXX XXXX payment and, by their customer service yes to make the payment, which I did .Later I contacted their Consumer Ombudsman and was promised some resolution and an answer which I never did.Later I was advised once again by their Customer Service agent to file a new Modification which I have and still waiting for a response.Throughout the whole process the customer service agents have been most polite and responsive.PleASE HELP AS i AM A SINGLE FATHER WITH XXXX  CHILDREN WHO ARE XXXX AND NEED YOUR INTERVENTION.They need to approve the new modification so we can keep our home, Thank Yound XXXX Bless! XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX loan # XXXX
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America is one of the worst companies i dealt with. First of all there is no way on contacting them about the claim. I submitted the contract to them, something they asked for and they did not respond to me yet about that. Also they send me a letter saying that quote " The merchant indicated that they had to save you as you had taken the boat in the water too far ''. Can you please tell me what a XXXX is that? How you can take XXXX dollars from you account because somebody said this and said that. Unbelievable unprofessional behavior from a Bank like this. It looks to me that they don t want to bother looking for answers and defending their own client, since its me that has to pay all the money. I would like full investigation and return my money on my account. This is not a game and you can not take me for XXXX  sending this childish explanation.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

Since the day   XXXX   XXXX   XXXX   sold my loan to Rushmore   XXXX   XXXX  , they 've been trying to take my house. My payments had just been recalculated before my loan was sold, Rushmore wanted a much higher monthly payment and left the responsibility to me to get a copy of the escrow report. They would n't accept any payment for 3 months until this escrow paper was confirmed, therefore trying their hardest to get me behind. They knew  XXXX  have given me a loan mod, forgiven half of my principle, therefore I had equity and they would get a chunk of money by foreclosing. It did n't work then, however now I am behind, they 've sued for foreclosure, wo n't accept my offers of repayment, and are very rude. The guy I have to talk to sounds like he 's  XXXX  yrs old, he does n't seem to know much at all except how to bully me into paying everything at once, or going through with foreclosure. I had a settlement conference on   XXXX   XXXX   XXXX  . I offered to pay {$1500.00}, asked if they could defer to the back of the loan the remaining of what I 'm behind. About {$1000.00}. They said no, and told me instead of the {$2500.00} I owe them, ( The statement I received in the mail today   XXXX   XXXX   XXXX   says I owe {$2500.00} to bring current. ) they now say I have to come up with well over {$5000.00} to bring my loan current even though my statement says {$2500.00}. I Do believe they are just trying to bully me, and scare me so I will let them foreclose. I work from home and can make my regular monthly payments of {$280.00} but they wo n't give me a chance. They also know I am so close to getting my  XXXX  but wo n't work with me at all. And I believe there are some legal and ethical issues going on here.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have multiple inquiry entries that I did not initiate, nor give permission to release any of my credit information within my credit profile, the entries are as follow : 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX XXXX 6. XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX. XXXX XX/XX/XXXX, XXXX 9. XXXX XXXX XXXX
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

On XXXX XXXX XXXX I Initiated a wire transfer to GXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX ) Using the wire instructions provided. I received an email the same day concerning my wire transfer and the requirement for additional information. I provided the information immediately and waited for a response. The funds in the wire were accepted by XXXX  and withdrawn from my checking account the same day however my account with XXXX was NOT credited with my funds. It has now been a WEEK and XXXX support has failed to communicate with me about my wire IN ANY WAY. I now have learned others who have been left in the dark about their wire transfers and their funds being held from them for NO REASON and XXXX has failed to provide any reason to others as well. 

I have sent over 10 emails, tried social media all which have failed.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

I went into a branch on X/XX/17 and made a CASH payment with a teller. My payment processed on X/XX/17, however my available credit has not changed. According to the representative and then supervisor I spoke with this morning, they are still verifying my payment. They said it is still pending and the hold will drop tomorrow, unless they contact someone at the branch and verify. I waited for them to call, but nobody at the branch answered the phone. 
They take 9 days to verify cash transactions? They also did the same thing when I made a deposit through the atm into my checking account. I had to call and wait, and then go through verification that a deposit of CASH was made. 
They are sitting and holding peoples money.
Consumer complaint received 2016-10-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (NY)

The collection agency did not send me written statement about XXXX different accounts. Recently, they reported the debts to the credit reporting agencies without ever calling or writing. In the first case, they spoke with me about the dates of service but would not send me anything in writing, so I called the hospital who could no longer provide a statement to me since they turned over the file to the collection agency. In the second case, they simply put it on my report. Reading my credit report should not be the first time that a person finds out about their bill. At the time I was a sliding scale patient at the hospital and had obtained a financial hardship from the Afordable Care Act.
Consumer complaint received 2017-09-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. XXXX92.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per XXXXexas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

PayPal 's User Agreement and other policies prohibits access to my own money in an abusive and illegal manner. They first set a 21 days incapacity to withdraw my money after I receive a payement ( coming from selling on XXXX ) which I understand ( this is for both PayPal and the buyer 's protection, to avoid problems ). But claiming that my " account reported to be involved in possible fraudulent or high risk behavior '' for selling items via XXXX and receiving positive feedback from the buyer is just a way for PayPal to limit my account and hold my money without any valid reason whatsoever, probably to generate interest or conduct any kind of money laundering or embezzlement ... That, I do n't know, but this is what it looks like to me. Everytime I request info about the reason why they placed a restriction on my account and wo n't allow me to access my XXXX EUR ( more or less ), they send an automattic response saying that I represent a risk. I have no informations about this so called risk, I have no money, I have no one to discuss this matter with, I ca n't get a hold on someone else than a robot from PayPal that could/would/should help me. I tried in every way possible to solve this with them, but they deflect and refuse to do so. No activity from my account represents a risk, nothing at all, and they know it, but they keep abusing of a power they do n't even legally have. They are operating as a financial institution with power of seizure, without legal authority to do so and by doing so, they illegally hold my funds, they abuse of their power and also, they breached my trust, as a consumer ( since I 've trusted them with my money and now they wo n't let me have it ). Needless to say, I need my money back ASAP, since they represent my only income. The prejudice that PayPal is causing me is beyond their imagination ( that is, if they even care or think about it ) and I need them to do right by me and the tons of people that are also in my situation ; to act within THE LAW ( not their law! ) and to lift the restrictions on my account and give me my money.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/XXXX I called Wells Fargo IRA Customer line and was looking into what was needed to withdraw funds from this account as I was in a situation where I needed the funds as soon as possible. I was told there was a hold on my account and I needed to fill out a CIP form. The rep told me that it would take 2-3 business days, but once I filled out the form and emailed it back to her I should call back to possibly get expedited. I filled out the form and emailed back within three hours. I called the Wells Fargo IRA number back and the rep I spoke to told me that there was no way to expedite and that I needed to wait. Given this was a critical situation I asked to speak with a supervisor to talk to someone with a better understanding. The rep refused to transfer me and told me they would call me back. I still have yet to receive that call. That same day I called my local branch who informed me that there was additional paperwork the initial rep did n't tell me about. So I ended up going in, filling out, and faxing those papers at that branch ( still on Thursday ). I was told at the branch that if I was lucky the documents could be processed on Saturday and to call the Customer service line I had called before. I did this on Saturday XX/XX/XXXX and the rep at that time told me it could take 5-8 business days. At this point I was frustrated at the misinformation from the two reps, but let it slide. I called back on Tuesday XX/XX/XXXX to see if the hold was removed. At this time I was now told that it would take 7-10 business days. My frustration has now reached a tipping point. I keep getting lied to and deceived by this company and nobody seems to give me the same information twice. In a situation that was an emergency this company has continued to give me the run around. I called their complaints department who documented the situation but merely transferred me back to that dept who told me, once again, that a supervisor would call me and that it could take up to 24 hours. Wells Fargo either has inconsistent training or their reps are flat out lying to me and when you are in a situation where you need to know this just does n't cut it.