davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I opened a vechicle loan with Wells Fargo Auto XX/XX/XXXX. On my XXXX credit reports, Wells Fargo is reporting XXXX entries for auto loan, XXXX date with the correct date XX/XX/XXXX and the other with the incorrect date XX/XX/XXXX I never had or opened a auto loan with Wells Fargo Auto XX/XX/XXXX.
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

This is the second case I 've had like this. There system is replacing reported data with " NR ''. For years, Equifax has report my XXXX automobile account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is turning months into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX.
Consumer complaint received 2016-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Hi, my name is XXXX XXXX and I reside at XXXX XXXX XXXX in XXXX, New Jersey XXXX. I have a mortgage with Wells Fargo Home Mortgage and I am trying to receive a loan modification on my mortgage. Wells Fargo is violating the law by not modifying my mortgage and I submitted twice for modification and they have refused like they continue doing with majority of people. They have my property schedule on XXXX XXXX, 2016 for Sheriff Foreclosure Sale. I need your help in this matter and thank you for your cooperation.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BBVA FINANCIAL CORPORATION (TX)

I HAVE BEEN IN DISPUTE WITH BBVA BANK SINCE XXXX IN REGARDS TO LATE PAYS THAT HAVE BEEN TAKEN OFF DUE THE THE BK ON FILE AND PMI ISSUES THAT AS WELL TAKEN OFF. ALSO AT LEAST XXXX PAYMENTS NOT POSTED CORRECTED. 
NOW I HAVE ATTACHHED MY BK ATTORNEY DOCS AND US DEPT OF BK FILED AND SIGNED BY THE JUDGE ON THE MODIFICATION OF MY MORTGAGE. IT SEEMS THAT BBVA NEVER COMPLIED WITH THE CORT ORDERS WITH THE NEW RATE AND TERM AS WELL THE PAYMENTS SINCE THE CASE CLOSED XX/XX/XXXX. I HAVE TALKED TO NUMBER OF VP 'S IN THE MORTGAGE INDUSTRY AS WELL MY OWN CREDIT UNION XXXX. I HAVE BEEN IN XXXX FOR OVER 20+ YEARS AND KNOW FOR A FACT THAT THIS TIME BBVA HAS REALLY DROPPED THE BALL ON THIS CASE. 
I WILL BE FORWARDING THIS COMPLETE FILE TO HUD/FTC/FAIR LENDING COMMISSION. SO REVIEW THIS CASE AS WELL. 
THIS LOAN SHOULD HAVE BEEN LOCKED AND FIXED UNDER CASE XXXX FILED UNDER THE UNITED STAES BANKRUPTCY COURT XX/XX/XXXX. 
I CONTACTED BBVA AND THEY STATE MY RATE IS ONLY GOOD TIL XX/XX/XXXX AND ITS VARIABLE.
Consumer complaint received 2015-11-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX I filed a credit card dispute with Bank of America against a vendor XXXX. Originally Bank of America issued a credit but 60 days later they reversed that ruling. This is after I received an " interesting email '' from the vendor. 
From : XXXX Date : Sat, XXXX XXXX, 2015 at XXXXSubject : from XXXXTo : **********Hola ********. Hope everything is ok and wonderful over there. 
I just came back XXXX, my wife was very sick XXXX we just check our e mail, and the bank XXXX said that you claim your money and they send it to you back. 
I dont think it is fair from you guys, you look honest. my thinking is because you are XXXX XXXX friend you were like them. honest. I can see you are not, unless you send me the money that belong to us. or just send us back the merchandise. 
you got -- -- - XXXX purple artesanal big from $ XXXX to {$75.00} XXXX XXXX coconut artesanal small $ XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- {$120.00} XXXX. 
tax16 % XXXX -- -- -- -- -- -- -- -- -- -- - total -- -- $ XXXX with the bank exchange rate by that time give us a total XXXX $ XXXX XXXX ACTUALLY. Also I gave you a free big bottle of tequila XXXX. 
I dont think is fare from you to do that. 

Please., DO NOT RIP US OFF. we do work, and we were very, very nice and polite to you. so we can not sponsor you. It wont be nice to knock your door with the police to claim my bottles or money, but it will include my air plaine ticket. It is not the money is because you are not honest. 

I am sending a copy to XXXX, I want her to see what king of people you are. 

The information is not correct in the email either.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC (PA)

Ability Recovery Services has violated FDCPA by reporting a debt they could not validate to credit bureau 's. Ability Recovery Services is using a false instrument to collect a debt that does not contain my signature. I would also like to point out that the instrument they use is also a contract of an agreed XXXX months which I have already have submitted proof of payments. They have also reported to XXXX " Status as of XX/XX/XXXX - Unpaid : Date of 1st Delinquency XX/XX/XXXX ''. I have enclosed 'FACT ' information to their 'Delinquency claim of XX/XX/XXXX ' that it was paid the month prior and after XX/XX/XXXX. 

Since I 've contacted Ability Recovery Services of their shady practice of submitting a false instrument to collect a debt they have ceased contact with me but the information still remains on my credit report. 

I 'm submitting FACTS:1. A contract that does not contain my hand writing signature2. Proof that I paid for services of the two months in the contract they submitted. 
3. XXXX Report containing delinquency they reported as of XX/XX/XXXX, along with my proof of on time payments of XX/XX/XXXX
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

I received an email stating my results are ready and to access them within XXXX days from XXXX but have been unable to do so. In addition to their provided Report & ID number, I was to enter my ssn, state, and zip code. The entered values are accurate and should all access to my results.
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

My husband filed Chapter XXXX, which was discharged in XXXX 2015. XXXX, XXXX was contacted by trustee, but did not respond. We have tried to get them to correct our credit reports ( this debt was fully discharged ). They continue to misreport.
Consumer complaint received 2015-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My XXXX mortgage statement had the incorrect XXXX interest an principal paid. I called Seterus on XXXX/XXXX/15 and was told they would send out a corrected statement, but they never did. I received my XXXX stmt, and the information is still incorrect. I called and spoke with someone today XXXX/XXXX/15 who was not able to give me any information and said that her supervisor was unavailable. I would like my statements to reflect the correct amounts of interest and principal paid on my mortgage to date. I have documentation of each person I spoke with and the date.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Southwest Credit Systems, L.P. (UT)

I switched phone carriers in XXXX. In the process I called in and was given a final bill amount that included paying out my contract. I paid that amount. Several months later I received correspondence from southwest Credit saying I had a XXXX Bill in collections. At XXXX point on the phone Southwest Credit while trying to verify my address, had a transposed house number ( fyi ). I never received a paper or email bill from XXXX, and had paid a hefty amount to close out the account, and so I told them I would have to verify with XXXX if it was legitimate. I attemtpted to contact verizon via phone and also tried to log into my account on line. Since I moved my phone number, ( the log in for XXXX ) it made my online account inactive, and I could not verify via phone that it was a legitimate bill. I chose to terminate early with XXXX, and I knew it would cost me, for which I paid. If it is a legitimate verizon bill, I will pay the amount, but do n't think it is fair to be dinged on my credit, as they failed to send a paper bill or even an email saying I owed additional money. I have n't just paid the credit collection company because I have been unable to prove I even owe the bill, other then them telling me I do. They are now threatening legal action.
Consumer complaint received 2015-11-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (UT)

I have a loan through TD auto finance. I have fallen behind on my car loan with them. I have tried to work arrangements out with them to try to catch up in installments to prevent collection calls but they are refusing to work with me. What is worse they are consistently calling my parents house where I do not live and my parents are not on the loan. I have requested that they stop calling them since I do not live there and they have no part in this loan. The company refused and said they would not remove their number or stop calling them until I brought the loan current.
Consumer complaint received 2024-09-01
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. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXXXXXX XXXX XXXX  date opened XX/XX/XXXX {$310.00} XXXX XXXX XXXX  date opened XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$2300.00} XXXX Date Opened XX/XX/XXXX {$590.00} XXXX Date Opened XX/XX/XXXX {$13000.00} XXXX XXXX  XXXX {$41000.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-01-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

At the end of XXXX 2015 I applied for a mortgage with Bank of America ( BofA ) to buy a house in XXXX, VA. I provided the Loan Officer with any information requested and I told him that I live and work XXXX ( XXXX ) because I 'm a XXXX. On XXXX XXXX BofA charged me {$450.00} for the property appraisal which was done on XXXX XXXX. On XXXX XXXX the Loan Officer informed me that my application was rejected " because you are XXXX and buying a property here ''. Considering that the basis for denying my application ( XXXX ) was known to BofA since the beginning of my mortgage application, BofA should have denied my application right away and for sure they should n't have ordered ( and charged me ) the appraisal cost.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

While attempting to refinance my home mortgage in XX/XX/XXXX and XX/XX/XXXX, I discovered a Derogatory Collection Filed on my credit report that did not belong to me. Creditor listed as XXXX XXXX XXXX in the account number XXXX and original creditor being XXXX I c/o XXXX XXXX XXXX. Amount of {$390.00} had been sent to collections in XX/XX/XXXX. Upon my personal investigation with phone calls to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX. I was told that the name on this account was XXXX XXXX. The Social Security number they had on file matched mine. I am not that person nor have I ever used the name XXXX XXXX as an alias or any other alias 's for that matter. Furthermore I have never lived in LA nor have I ever been to the state. My efforts through XXXX XXXX XXXX, XXXX XXXX XXXX and the reporting agency XXXX XXXX, where the error had been discovered, to try and correct this error were not satisfactory. I then contacted my XXXX Congressional Rep, XXXX XXXX, and her staff helped me by filing a complaint on my behalf with CFPB. That complaint number was XXXX. After CFPB 's investigation a satisfactory resolution was achieved with XXXX XXXX deleting the derogatory information of the {$390.00} collection from my credit report XX/XX/XXXX. However I have now discovered that XXXX of the other major credit reporting agencies, Equifax/FICO and XXXX/FICO have not deleted the derogatory collections information from my credit reports regarding the XXXX XXXX XXXX {$390.00} error. The other XXXX agencies also have the name XXXX XXXX with my Soc Sec number listed under Source of Information. Another error. I was under the impression that once XXXX XXXX had deleted the incorrect information from my credit report and XXXX XXXX XXXX had corrected their error that Equifax and XXXX would update their records and delete the information also. But, after calls to CFPB and XXXX XXXX, I was informed that the Credit Reporting Agencies do not communicate this information with each other and each agency has it 's own methods of reporting information on consumers. I would like to have XXXX and Equifax delete the collections information and remove the name of XXXX XXXX from my credit reports. Also Equifax and XXXX have an address listed for me in XXXX, IL under the Source of Information that I have never lived at. I have lived in XXXX, XXXX since XX/XX/XXXX and no other city or state.
Consumer complaint received 2015-04-20
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated (NY)

A law firm acting on behalf of Unifund got a court order judgement against me for way more than the debt owed. There are several points to this complaint : - Unifund 's law offices representatives REFUSED to let me speak to their attorneys. 

- they threaten me and told me not to get my own attorney. They told me if I hired an attorney they would charge me {$25000.00} in fees as a penalty. 

- I was never served papers on this case. I pulled the serve and they say they served a XXXX XXXX which is impossible bc there was/is not anyone else at the home that fits the XXXX description on the paper. 

- they keep changing the amount I owe and refuse to put the exact amount in writing. 

- when I offered to pay the amount of the judgement thet refused to provide a receipt or any paper work saying I satusifued the debt. 

- they threatened to ruin me financially and said they would never stop suing me
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank is giving me the runaround about paying me my {$200.00} bonus. The requirement for the bonus was to deposit in XXXX transaction {$500.00} by XXXX XXXX, 2015. Which I did. I told the teller I wanted to deposit the {$500.00} check, and then withdraw {$100.00}. I did not state that I want {$100.00} back from the check. The bank is saying that this is my fault for not informing the cashier of the promotion and doing XXXX transcactions. I went in with the intention of making my obligatory {$500.00} deposit with the check. I did not think or even realize that I had to inform the teller how to process the transcations. Nor did the teller inform me that my deposit would be reduced by my withdraw. I have been told that I should have known therefore the requirement has not been met. Citizens Bank is refusing to pay my bonus on a technicality. I am due the {$200.00} bonus. I made the {$500.00} deposit with the full intention for it to be recorded as such. I had monies in the account to cover the {$100.00} withdraw. I believe that this gives them an excuse to not pay my bonus.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NC)

They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship
Consumer complaint received 2015-06-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

Debt collector Credit Systems International , Inc. ( " CSI '' ) falsely reported to XXXX and XXXX that I have an unpaid medical bill. In fact, their client, Texas XXXX XXXX XXXX ( " XXXX '' ), was paid in full for the medical services and supplies that it provided to me, but XXXX fraudulently billed for the same supplies twice. I do not owe the amounts reflected in the XXXX-billing. However, instead of resolving the issue, XXXX hired CSI to collect on bogus charges. I have disputed these charges to all concerned, but CSI failed to respond to my letter and instead, placed negative information in my credit files at XXXX and XXXX.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (OH)

My mortgage was recently purchased by PHH. I was on a bi-weekly payment plan with my previous mortgage provider and was told in no uncertain terms by my broker that the terms of my mortgage can not change with its sale. PHH does not support a bi-weekly amortization schedule, and I 'm furious. In order to purchase my mortgage, they have to support this do they not?
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (TX)

A collection was placed on my account in XX/XX/XXXX from XX/XX/XXXX. When contacted XXXX stated I had a " zero balance '' with them. 
I lived at XXXX XXXX Apartments managed by XXXX XXXX from XXXX. I am going through a federal background check right now for a potential job. A charged from XXXX XXXX appeared on my credit history from XX/XX/XXXX. I called and they stated that I had a zero balance ledger with them and that they would talk to the collections department and remove the charge. This is concerning that a charge was placed on my account without proper notice and when I had a zero balance. I notified XXXX XXXX properties on XX/XX/XXXX and received a ledger with a zero balance. I am still awaiting a reply as to when they will speak to their collections department to remove this fraudulent charge so I can continue with my federal employment background check. I fear that this charge has affected my job prospects in the past. The collections agency is called Resident Collections.
Consumer complaint received 2016-01-31
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (WA)

I have no other recourse to submit this issue to the CFPB. I have made numerous good faith attempts to rectify this through PNC Bank personally. This has included the following activities over the last 12 months : 2 Branch visits : 60 minutes each 6 Phone calls about this issue : 40 minutes each Research to submit this issue to CFPB : 4 hours Total time spent trying to rectify this issue to date : 10 hours During my first call I was told, " why would n't you notice this earlier? '' and " it is not the bank 's responsibility to verify your interest payments, especially since it has taken so long to catch it ''. It was n't until my 5th call that I was able to contact someone in the customer resolution team who went and researched this problem ( the person on my 4th call promised to log an interact complaint, which I asked her too, and she did not follow through or log the compliant which is against regulations in the Frank-Dodd Act ). 
When she had her team research the issue she verified that there was only {$15.00} in interest owed. I had informed her that is drastically under what I should have earned during the last 2 years. For my PNC Growth account, I would be awarded a higher interest rate for every month I made more than 10 transactions on either my PNC debit card or PNC credit card combined. For some reason in XXXX PNC Bank unlinked my credit card without my permission and those credit card transactions no longer counted towards my combined transaction total. I have gone through every month statement for the last years and found that I have been short changed this amount ( I should have received {$40.00} but was only credit {$15.00} ). I am requesting the balance of my owed interest be refunded to me and action taken against PNC Bank for putting me in this place. I am also requesting a charge per hour for my personal time in order to find resolution. I earned {$220000.00} last year at my job so when you divide that for a 40-hour work week it comes to {$100.00} per hour. With the 9 hours that I have put towards this issue, I am requesting {$1000.00} for compensation on personal time rendered to do PNC 's job. 

Months in Question : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-01-31
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: BARCLAYS BANK DELAWARE (AL)

I sent letter stating that I am XXXX and " judgement proof. '' I included the FDCPA " Ceasing Communication '' statement. This letter was mailed to the Barclay Bank address on file for customer communications on XXXX XXXX, 2016. I have received multiple calls daily and five calls today from this company.
Consumer complaint received 2015-09-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (IL)

My husband placed an order for XXXX items over the phone XXXX, they place the order on my debit card on file instead of his. I did n't have funds to cover this order in my account but it showed pending transaction. They cancelled the order and reordered on his debit card. I called my bank to let them know. XXXX said the charges will drop off, not post because they cancelled transaction after 24 hrs. The items were the last XXXX items on my account for that day and they are still pending today, but my bank charge me for XXXX pending transaction. I took a screen shot of my online transaction last night and again this morning. The items are still pending but I was charged {$100.00} for these items in pending status. I was told by the telephone banker I will still be charge even when the fall off.