davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

This may also be a credit card complaint. I was issued a credit card over two years ago from a Wells Fargo branch that I did not authorize in any way. The teller asked me if I wanted overdraft protection on my account since my husband had it. I said sure and went along with my banking that day. When I received a card in the mail asking for activation I immediately contacted the branch and made a complaint. Action was taken with the employee and I never authorized my card. In XXXX 2015 my husband was reviewing our accounts and found that we had a late payment for about {$500.00}. This was stressing because we are very much on top of our accounts and have over XXXX credit scores that are very important to us and our business. We went into the same bank branch to determine what happened and it turned out that we overdrafted money one day when we made a withdrawal just before we deposited more money. This kicked in the overdraft credit card that I never authorized or even knew we had. We immediately took care of our charges, and asked the bank to remove the financing charges and any impact this would have to our credit. They removed the financing charges and we wanted to close the card, but they said it would impact my credit score. This seemed really unfair because I never approved this card, found out two years later it existed, and now ca n't close it without a negative impact on my credit. We had multiple conversations with the branch manager and it was moved up to the highest level of Wells Fargo, or at least that is what we were told, when they denied us the opportunity to close the card without a negative impact on my credit. I am reporting this in full as a complaint on the issuance of the card and the bank handling correcting a mistake. This has taken over six months to get the decline from the executive level of the bank and many hours of frustration as a consumer.
Consumer complaint received 2015-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

After becoming a victim of ID Theft, I obtained a police report from my local police department. With that, I notified all XXXX credit agencies, to put a fraud alert, or freeze my reports. I then filed a complaint with the FTC, and combined that with my police report, and wrote a detailed letter to Experian, explaining exactly which accounts have been effected by identity theft. I send these certified mail, and it has cost me nearly {$40.00} in mail. 
They simply respond with apparent " Stall Tactics ''. XXXX reply dated XXXX XXXX, says " Take some time and review your credit report, look for fraudulent activity '' I clearly told them of each account. I immediately contacted the Fraud department at Experian, with my " CreditCheck Monitoring '' service I have paid for for several years. The man I spoke with, said he thinks the police report looks " Fake '' and laughed. 
I assured him, it was not fake, and to contact the officer to verify the information. He advised me, this police report was not notarized, and therefore worthless. I got the document notorized, and faxed it to the Experian Fraud department. I followed up, with the notarized copy of the police report, and notarized FTC report. 
Experian 's response on XXXX XXXX, is to now include more information. Now it must have nearly XXXX additional pieces of information, I have already provided. 
I contacted the police department, and they do not complete separate police reports, simply because XXXX credit reporting agency refuses to comply with the law. 
Experian refuses to block the fraudulent information from my report. I am trying to keep up with this fraud as its piling up, and they will not even begin assisting me. I have spent XXXX dollars providing them all this information, by taking time off work, visiting police stations, and investigating several databases. They MUST start doing their job!
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello I filed Chapter XXXX Bankruptcy and was discharged. I requested several times Transunions report and reason why inquires have not been removed from my credit report bringing my score down. I went from a XXXX to XXXX???? why????? I am tired of the credit reporting agencies reporting incorrectly and not helping me as a consumer rebuilding my life! They have not responded and its been over 60 days. I am unsure why they ahve not fixed this matter.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

credit report agency is not reporting positive credit that i have had since XXXX from dollar bank also i have been to XXXX XXXX and XXXX banks and no one can see or obtain a credit score what was mailed to me from transunion was a fair score but inaccurate it should be slightly higher if positive credit was being reported then in return i could refinance my home and purchase a new car in that order.
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (SC)

I do not know about this debt at all. It says I owe {$690.00} against XXXX XXXX XXXX XXXX apartment, however I do n't know of any amount which was due at the time of vacation. Property manager confirmed me I had ZERO balance in my account. After 10 months or so I came to know I have to pay this amount but they never provided any evidence of this bill was due. Due to this collection my credit score is highly impacted and would like to have removed ASAP.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (FL)

I went on the XXXX XXXX credit card website after reviewing my bank account for the last two months. There was no payment made to this company. I reviewed my email account and I checked my mail to see if there were any statements from the past few months. There was nothing. In addition, I have not received any phone calls from " XXXX XXXX Credit Card '' advising to call them. I then review my credit bureau. To my dismay and shock, I was reported delinquent by this company. I have XXXX other XXXX XXXX XXXX. I have ones that send email statements and I have ones that send physical statements. I called XXXX XXXX last night as asked to speak to a manager. I was transferred to an escalations representative. He obviously was having a bad day or he just was n't interested in talking. He was very defensive in his tone and when I explained that I had n't received statements or calls, his response to me was that the statements are courtesy and are not needed to make the payment. For me, they are a reminder that the payment is due - as it is for most consumers. He said that I enrolled in the electronic statements and was advised again today I was since XXXX 2015. I have n't received them. I get confirmation emails when I make my payments, but not the actual statements. When I asked why I have n't received a phone call he said that it was n't necessary to call the customer when they are delinquent. I used to work as a collections rep, that is incorrect - especially if they are more than 2 moonths past due. I called and spoke to XXXX, another escalations rep even though I asked to speak to a supervisor, reviewed my information and advised everything is correct. She also stated that phone calls were placed. I asked for the phone number they would be calling from. I also advised that I have n't received calls or voicemails. I find it interesting that of all the accounts I have with XXXX Bank, this is the only XXXX I amhaving issues with.
Consumer complaint received 2016-04-01
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MD)

On XXXX XXXX, XXXX, at approximately XXXX EST I went to the ATM and requested to withdraw {$200.00}. The machine did not dispense any cash and gave me a receipt with an error message indicating the amount I requested and that {$0.00} was dispensed. A few minutes later, I received a text alert from Rush Card indicating that {$200.00} had been deducted from my account. I immediately contacted them via email and phone to dispute the transaction and was informed that I needed to provide a dispute in writing. On XXXX XXXX, XXXX, I submitted a copy of the ATM receipt and the signed dispute form to Rush Card via fax and email. The same day I received an email from Rush Card customer service acknowledging receipt of the documents and indicating that I may check back within 1-2 business days. 

On XXXX XXXX - XXXX, I contacted Rush Card via email and phone requesting the status of my dispute and was informed that I would have to wait 10 business days for their XXXX XXXX to determine if a provisional credit should be issued. When I inquired why I had to wait, I was informed that I just do, that is there policy. I requested to speak with the XXXX XXXX and was informed that cardholders are only allowed to speak with the Dispute Office when the initial dispute is filed. After the dispute it received, cardholders can no longer be transferred to speak with the Dispute Office but are required to contact customer service who will send an electronic note to the Dispute Office. I have been a cardholder since XXXX, always kept my account in good standing, have bi-weekly deposits from my employer and never had to dispute any transactions. So, bearing this in mind the lack of concern and poor customer service that I have received regarding this dispute is disappointing and unacceptable
Consumer complaint received 2015-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

We refinanced our XXXX XXXX home with XXXX XXXX ( XXXX XXXX ) in XXXX, and shortly thereafter CitiMortgage apparently bought the loan. In XX/XX/XXXX, we attempted to get a HAMP mod and after paying XXXX payments, were rejected, after we complied with every request. CMI harassed us, ruined our credit, and as my wife and I did not agree about paying the balloon to becoming current again, we separated. 

CitiMortgage has admitted to many wrongdoings and paid XXXX of dollars in fines, but they have also been horrible to us, and completely gotten away with it, and we are fighting for justice, to repair our lives, stay in our homes, and help others do the same. 

In XX/XX/XXXX we fixed our marriage, stopped paying again, and filed suit in XXXX XXXX XXXX. After four years of fighting and paying our attorney over {$25000.00}, and approaching trial, CMI has agreed ( over email ) to a settlement. We do not like the terms, but as our attorney is extremely ill, and we do n't have the money to go to trial, we feel it may be our best option. However, CMI is now dragging their feet, and we are stressed and annoyed. 

We feel that the CFPB might be interested to know more, and potentially help us seal the deal, possibly with better terms. 

Thanks, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX
Consumer complaint received 2016-01-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

As of XXXX XXXX, XXXX, Ocwen again changed the reporting of my account. They now report that I missed a payment and paid a balance less than the full amount. My credit score dropped considerably. I 'm filing another complaint with the XXXX XXXX XXXX XXXX. I also emailed XXXX XXXX with Ocwen Obudsman. 

There were never any missed payments. This must be corrected. 


Closed No Missed Payments {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN SERVICING Account Type Second Mortgage Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$24000.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Account paid for less than full balance Paid charge off
Consumer complaint received 2016-01-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

XXXX & mary jane elliott pc obtained a judgment after i paid as agreed 18 monthly payments, then my student loans were garnished & i had to replace a furnace. I live in michigan & was unemployed for about 24 months, lost equity in home & small XXXX. I 'm XXXX yrs old. The underlying credit card ( XXXX or XXXX XXXX XXXX ) was weeks away from expiring when it was transferred, possibly sold outright so i dont know who owns it!
Consumer complaint received 2016-01-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Home Equity Line of Creidt ( " HELOC '' ) with Bank of America in the original amount of {$100000.00}. The home was foreclosed on back in XXXX. Bank of America ( " B of A '' ) reported that it charged off the debt to the credit bureaus. In XXXX XXXX B of A entered into the largest settlement in XXXX history agreeing to pay {$16.00} XXXX. As part of that settlement, over {$7.00} Billion went to debt forgiveness which was supposed to benefit consumers. For each dollar of debt forgiveness, B of A was actually credited MORE than the dollar forgiven towards the settlement. Rather than crediting collectible debt, B of A did the shrewd thing and discharged debt which, like mine, was completely non-collectible. In my case, for example, the debt was over XXXX years since date of last payment and B of A could not sue over the debt and the lien against the home had been discharged in the foreclosure sale. So B of A essentially " gave me '' the balance of the {$100000.00} loan, as partial penance for its wrongdoing, but the only " benefit '' to me is that I am now XXXX 'd on this debt and have to declare that money on my taxes resulting in a HUGE and unpayable tax debt. B of A, on the other hand, gets credited real money against its fine. So be it. Perhaps I will write to the independent settlement monitor Professor XXXX XXXX XXXX to complain about this practice. 
The issue of relevance to the CFPB is that B of A has refused, on multiple occasions now, to correct the notations in XXXX that this HELOC is still being erroneously reported as a " charge off ''. I have disputed this with the bureaus and each XXXX comes back stating that B of A is saying that the charge off is correct. It is not correct. Like in a bankruptcy case where a debt can no longer be reported as a charge off when the debt is extinguished, the bank has not " charged off '' this amount. It has " paid '' the debt ( leaving itself with a monetary credit towards settlement in excess of the amount of the uncollectable 'paid ' debt and me with a tax burden XXXX of dollars ). The only conceivable thing I could receive out of this settlement intended to consumers like myself harmed by B of A 's practices was to have the loan report correctly on my report. And they repeatedly refuse to do even that. I have all documentation ... the letters to B of A requesting removal, letters to the bureaus, and the bureaus ' 'verification ' of the 'charge off ' status. This is beyond adding insult to injury. It is further unlawful financial misconduct by B of A, under the auspices of a settlement with the XXXX consumer.
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I did not opt into any plan and have the transaction immediately rejected by the merchant if the account lacks sufficient funds. This is the default setting when a bank account is opened, and no fee is incurred by a rejection of the transaction. 

I was charged {$120.00} this month for a {$2.00} overcharge.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Was approved for a loan modification by OCWEN in XXXX 2015. Was told the process would take up to 60 days. Each month my home has a foreclosure date. As of today ; the unmodified loan has been sold to another servicer while the modification is still pending. 9 months of no resolution is not acceptable. I have to start over with another company while my home still shows foreclosure dates. Failure to service in a timely manner and other issues related to financial harm are just the tip of the ice burg with this company.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR XXXX DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX SYSTEM YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE XXXX FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED. MUST BE DELETED VIA COURT ORDER PAGE XXXX CHAPTER XXXX XXXX. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BANK BALANCE IS INCORRECT 5. XXXX BANK BALANCE IS INCORRECT XXXX XXXX IS A CLOSED ACCOUNT MUST DELETE HIGH BALACE AAND PAYMENTS 7 XXXX CHAPTER XXXX SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER 8. XXXX XXXX MUST BE REOVED DO NOT SAY VERIFIED NOT AUTHERIZED 9. XXXX BANK INQUIRY MUS BE REMOVED 10. XXXX MUST BE REMOVED DO NOT DSAY VERIFYED DO NOT PLACE FRAUD ALERT ON MY CREDIT
Consumer complaint received 2015-05-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

GMAC ALLY BANK HAS FRAUDULENT RUN A APPLICATION FOR A VECHILE LOAN UNDER MY NAME AND SOCIAL, CAUSING A MIXED FILE UNDER THE NAME OF XXXX XXXX XXXX. I NEVER APPLIED FOR SUCH FINANCING AND WANT THIS REMOVED ASAP.
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC (KS)

There is a phone number that keeps calling me repeatedly and asking me to call back. It always starts with a man whistling a short tune and then, in a threatening tone, the man always follows the whistle with a message that says " this is a debt collector, call back immediately. '' In one message, the man asked for my social security number to be ready and available when I call back. He never addresses me by name, and never leaves any additional details. I know for a fact that I do not have any debts that have went unpaid. I am in college and still live at home with my parents and I have no bills. I did live in an apartment for a short while, but I was never behind in my payments and immediately received my deposit back when I moved back home. I also cancelled my internet services and confirmed the cancellation with the workers in the local office several times to be sure. All of my school loans have been deferred until I complete school and I receive statements for those every month -- they are from the government and state that I currently owe nothing. I have another full year of school to go. There is nothing else out that that I have ever had a bill for. This company calls me EVERY DAY and leaves vague, creepy messages. I would like for it to stop. Based on research that I have done online, they appear to do this to several individuals, many of whom suspect that it is a scam. I have looked up the supposed agency that it is linked to according to the internet, but I can not find information on the agency anywhere.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

Over the last 5 months I have faxed loan deferrment and cancellation forms Campus Partners. Each time I have faxed, I 've recieved conformation that the documents have been recieved, but according to them, they have not recieved the paperwork, despite faxing from my jod, XXXX AND XXXX XXXX. Each time I 've called, I gotten different information from different customer service agents. As a result, I now have a poor credit score and can not buy a larger home to better accommodate my XXXX mother who lives with me. 

Campus Partners is poorly organized and has no system for managing recieved paperwork and paymenys. 

I work hard to maintain a great credit rating and pay my school loans on time ... {$470.00} each month. Thanks to Campus Partners, I now have a default for {$160.00} on my credit report. If I could sue them, I would. 

I 've since called them today and now they need something else. 

THIS COMPANY SHOULD BE PERMANENTLY CLOSED!!!!
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (MN)

I purchased furniture from XXXX and all the furniture is broken and defective now. I have n't had the furniture for a year, but the furniture is all broke and defective. I received furniture of poor quality and materials. I was charged {$4000.00} for the future. I sent a complaint to Wells Fargo and XXXX XXXX back in XXXX 2015. I received a letter from Wells Fargo Financial National Bank on XXXX XXXX, 2015, in regards to my complaint. Wells Fargo Financial National Bank informed me, my disputed charge, was valid. Review Consumer Financial Protection Bureau Case # : XXXX. I want Wells Fargo Financial National Bank to issue me a credit of {$4000.00} and send me a new card as well.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, oth
er than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.