davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, we refinanced our home. That mtg. company subsequently sold our loan to Wells Fargo without notifying us. We kept paying the mortgage to the old company and they were forwarding to Wells Fargo without our knowledge. When they stopped forwarding the money, we heard from Wells Fargo about our payment being late. XXXX of the credit bureaus has fixed this issue on our credit, but the other XXXX still have n't. Please help us with the other XXXX credit bureaus, as we would like to refinance.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andrews & Cox, P.C. (IN)

XX/XX/XXXX I received a Summons for none payment totally {$6200.00} from a collection agency. I was given so many days to respond. I called agency on XX/XX/XXXX and set up a payment plan to satisfy my debt. I would pay {$220.00} by the XXXX of every month until debt was satisfied. I received paperwork to fax or mail back I did both to ensure paperwork got to them. I paid three months of payments on time each month. On XX/XX/XXXX I received my paycheck and I had a garnishment applied to my wages from that collection agency. I called agency immediately, I spoke with a supervisor. He informed they had made several errors and he would " e-file '' the court to have them fix it. The judgment was for the full amount of {$6200.00} and my bank account had a freeze on it. At no time did this agency inform me while making my monthly payments of any impending judgments against me. Total payments taken from this agency was {$450.00}, the last payment did not go thru due to my bank levy. The {$450.00} was not included onto my total amount due in the courts final judgment. Total judgment was {$6200.00}. I feel this is a deceptive practice and negligence on their part. I complied with the agreement and they did n't and neglected to tell me anything about my account each month. I called on XX/XX/XXXX and made the payment, the representative neglected to tell me they had placed a hold on my bank account on XX/XX/XXXX. I still have the garnishment, the agency assured they would take of this immediately. That was onXX/XX/XXXX it is now XX/XX/XXXX bank account still has the levy on it and I am expecting to still have my wages garnished for several more pay checks due to the lack of response from this agency. The finance dept. of my employer said it takes several pay periods for this to be corrected. Only after receiving the courts paperwork to fix the problem. I called the court on XX/XX/XXXX they had not received anything from agency.
Consumer complaint received 2017-08-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The XXXX XXXX XXXX company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was hit over XXXX points. I tried to call XXXX, but they would only say they have no information and I need to connect with their collection department.
Consumer complaint received 2017-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (KS)

I worked with a real estate agent in XXXX KS who helped me buy a house which ended up needing a structural engineer and an inspector to pass for the loan, the inspector said NO, the engineer said yes, but the house has significant structural damage and excessive repairs that exceed the loan amount. Ive never lived in the home for 8 yr but paid on it. Asked XXXX to buy back loan within XXXX of loan they agreed but never did. I am on XXXX and house is uninhabitable and was lied to from real estate agent to engineer to XXXX, the loan was sold to XXXX XXXX XXXX who would not listen, now its with Penny Mac.I 'm facing XXXX. No mechanic, inspector, or the like will work on the home due to the liability. Attorneys and everyone is afraid of the costs, I just want my loan money back and my good credit restored. I am homeless, this should never have happened.
Consumer complaint received 2017-08-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The XXXX XXXX XXXX company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was hit over XXXX points. I tried to call XXXX, but they would only say they have no information and I need to connect with their collection department.
Consumer complaint received 2017-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Comment : Shame on you! 

Last year I went to Union Bank in XXXX XXXX XXXX XXXX. I transferred money by wire, but the teller typed mistakes twice. Another time I asked teller to correct the name of the cashier 's check, but she refused and insisted me to go back to XXXX XXXX branch that issued the check. XXXX XXXX branch told me that any branch could do it. So I complained to the manager on XXXX XXXX, he felt nothing just said that he would coach the staff. I said that he should coach his staff before he put her at the counter and caused clients trouble. Then I received a letter from XXXX XXXX. branch to investigate my transactions. However that branch did not tell me which transaction had problem but asked me how much did I make per month. I only had a checking and money market account. Why? Then that branch closed my account, even I asked the branch to write down exactly what information they want and I would provide, and what transaction was violated what rule? But that branch said I am risky so they closed my account. Then I received an email to confirm the transaction I make to close my account on line which I did not do. If Union Bank considered anything I did wrong they should report to OCC or even FBI for investigation, not just closed my accounts and failed to write down exactly which account violated which rule. Shame on you Union Bank, no wonder you got penalties.
Consumer complaint received 2017-08-01
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (WA)

My name is XXXX XXXX and I attended XXXX XXXX in XXXX WA XXXX XXXX,2009. I took classes for XXXX XXXX. Could n't even tell you who the teacher was because we did n't have a stable one. I remember even attending on a day and no teacher was there at all. They would have another teacher from another department come and check on us. Ca n't remember much of what I learned because we really were n't shown much. Well go figure we did n't have a teacher. Crazy that all that money they want but ca n't even teach you nothing. Yea I got a book and basically tried to go over it myself and I feel like my grades were n't even real. We could just get to class sign in and leave. It 's like we were really just given a grade because we showed up. After I finished class, time for my externship which I had to find a site on my own??? which I NEVER FOUND. I went back daily trying to get help finding a site and they just brushed me off ... I was then told I had to re enroll in order to refresh because I could n't find an extern site, I THEN HAD TO TAKE OUT another loan which I regret. I hate that I now have to pay back {$13000.00} for what? Not to even be working in this field. I took this route because hey 9 months did n't sound too bad for a single mom.
Consumer complaint received 2017-08-01
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: ALLY FINANCIAL INC. (IL)

Ally Financial Inc . XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. XXXX XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XXXX / XXXX XXXX XXXX Illinois XXXX XXXX was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Hard Inquiries XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2023-06-06
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: ALLY FINANCIAL INC. (FL)

Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.
Consumer complaint received 2017-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have contacted Equifax over 50 times about the fraud alert and all the information on my report that was n't authorized by me. I have been yelled at, called a liar, hung up on, the staff over seas have put in information that was mine but they said that I disputed, the company say 's I have n't responded but I have. I also have recordings of every single phone call to support the proof of the abuse I 've received for trying to fix a problem that I did n't cause. I have spent so much time and my own money trying to resolve this. I filed a fraud alert with the Federal Trade Commision and I mailed it in, they said they did n't get it so I faxed it in. I have proof they got it but they are still denying it. I 'm at a wits end with this company. How are they allowed to keep attacking consumers and treating the people that actually have been a victim to fraud with such disrespect?
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Recently received a response from lender regarding an application for a workout option to keep my home. I was only given an option to sell. I did not get a response for any other workout options nor did they give me the reason why I was denied for the other options. This notice was mailed out to me after a month from the date of the letter. I did not have any rights to appeal either. My current rate is over 8 %.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (TX)

These are NON Account inquiries, and I have requested deletion of them.
( 1 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XXXX, NH XXXX ( XXXX ) XXXX
( 2 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX  ) XXXX.
( 3 XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX.
( 4 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX I contacted XXXX XXXX, XXXX XXXX XXXX/ about removing the following inquiries that resulted from credit limit increase requests made on line that did n't indicate Hard Inquiries would be done. I was told that I could dispute them with the credit bureaus without any affect to my account with them but I was told that I could n't by the Credit Bureaus. The following are the dates of the Inquiries on my report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, &XX/XX/XXXX
Consumer complaint received 2017-01-16
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

Recieved a telephone call ( voice mail ) stating that they have attempted to send a summons to our home regarding an upcoming court date. Failure to respond could result in a bench warrant ( I have the audio of the voice message saved ). 

On calling the number given XXXX They claim to be the XXXX and this is in reference to a debt from XX/XX/XXXX with XXXX ( XXXX ). They stated the account was charged off in XX/XX/XXXX and then further claim I made single payment in XX/XX/XXXX ( which i did not ) This is obvious reaging of a deb and an illegal attempt to collect.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

i refinanced my home on XXXX XXXX XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, Experian, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, Experian, and XXXX ) I also asked XXXX to correct errors and they failed to do so.
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

I need help trying to obtain itemized bills from XXXX XXXX XXXX. On XX/XX/XXXX, I had XXXX on XXXX XXXX XXXX. To the best of my knowledge, all bills related to this XXXX and all other XXXX bills were paid years ago. However, upon recently checking my credit report, I noticed that there are three bills from XXXX sent to collections as recently as XX/XX/XXXX. 

I have asked XXXX XXXX and XXXX XXXX  to provide itemized bills from all XXXX visits/procedures from XX/XX/XXXX-present. They advised me that it was my responsibility to obtain this information from other sources, including Americollect, the collection agency, and my insurance company, XXXX XXXX XXXX. 

After contacting XXXX on XXXX, I was advised to email . On XX/XX/XXXX, I did so. I was contacted by email by an XXXX representative named XXXX XXXX XXXX. I do not know her title or department. 

XXXX XXXX advised me that due to a new billing system, I have two billing accounts with XXXX: one for physician services and one for facility services. At one time, there were three billing accounts. This is where I believe mistakes were made in applying payments. 

XXXX XXXX  has provided me with statements that show a breakdown of bills that she claims that I owe. However, she has not yet provided me with the most important piece of information that I need: an official breakdown of an $XXXX payment that I made to XXXX on XX/XX/XXXX. I asked XXXX XXXX for this information several times, and as of this writing, have not received it. On Friday, XX/XX/XXXX, I emailed XXXX XXXX and told her that if I did not receive it by the end of that day, I was going to file an official complaint against XXXX. 

I am asking for an investigation of how XXXX has handled this situation. Thank you.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NY)

Since Wells Fargo took over Wachovia bank 6 years ago I 've been using their services ; which I 'm not happy from day one. I have direct deposit {$1500.00} from XXXX ( XXXX ) pension fund Wells Fargo deducted my mortgage payment for the amount of {$980.00} per month at once I was using the balance to pay XXXX or XXXX bills, but I was n't every month. My concern is to have enough to cover my mortgage there was a time tat I was n't using any money left from my account. I never see my balance or never have any money left ove to pay the rest of my other bills on my checking account. Besides I have {$600.00} or {$400.00} to deposit and still be short at times. My problem with the Wells Fargo bank is that they never have enough money to pay my mortgage or any bills. Three years ago I went to the branch at XXXX XXXX and XXXX and deposit {$600.00} on my sister account and she lives in Florida and she never received it .A week later I asked her if she got the money her response was no i have n't. So I went to the bank and complained about it, but I did n't have my receipt. I did request for them to check the Camera or the video and they refused to help me. I described the person who attended me that day at the window, and their feedback sorry there is nothing we can do since you do n't have proof or receipt.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

I am a victim of identity theft. I have previously notified Chase Bank of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. Chase Bank opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. Chase claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. Chase claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a Chase Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge Chase to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted Chase from my number and I never went into a branch. I have literally never been into a Chase branch in my life. Chase is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from Chase in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ).  If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, Chase, XXXX XXXX XXXX XXXX, etc. Chase Bank is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. This will be the last complaint I file, the next step will be to file suit.