davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (IL)

I believe Im a victim of of identity theft I noticed theres an fraudulent close auto accident from XXXX XXXX XXXX  ( XXXX ) opened XX/XX/XXXX for the sum of {$11000.00} thats in collections that I did not open, along with 9 inquiries listed on my credit report that I did not authorized. My personal information was leaked in the XXXX XXXX data breach. In accordance with the Fair Credit Reporting Act my rights have been violated. 
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 an account without my written conse
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JPMORGAN CHASE & CO. (GA)

I traded in 2013 XXXX XXXX that was financed with Chase to XXXX XXXX XXXX. XXXX XXXX XXXX bought the XXXX from me in XXXX and sent payment to Chase Finance for the payoff amount. However, Chase continued to contract me about payment, even though I no longer had possession of the vehicle and did not own it.
Consumer complaint received 2017-01-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (CA)

To whom it may concern ; I recently sent a complaint via the CFPB against Navy Federal Credit Union, Case # ( Case number : XXXX ). I received a phone call from a representative from NFCU, XXXX XXXX on Tuesday, XX/XX/2017 @ XXXX. He left a voicemail to which I immediately called him back and we subsequently spoke for 35 minutes concerning my issues with his institution. He stated that he would either be calling me back later that afternoon or at the very latest the following morning, Wednesday XX/XX/XXXX to discuss his findings and the next steps accordingly. At this juncture, I have yet to hear back from him or anyone else re [ resenting this institution. I am extremely concerned that this account is now 54 days past due and I am in desperate need to try and resolve this before the 60 day mark. This means that I now only have 5 more days to rectify this situation or else NFCU will report a 60 day late to the ( XXXX ) credit bureaus ; XXXX, XXXX and XXXX. As noted in my previous claim and the conversation I had with XXXX XXXX, NFCU has already reported a 30 day and I fear extreme penalties with not only NFCU but additionally my other creditors accordingly. 

This is simply yet another example of how not one single person re [ resenting NFCU has carried out what they stated they would do. All the while, me the customer is paying for it via XXXX, financially and soon to be ever more so credit worthiness. I feel that this is unacceptable and simply do n't understand why no one seems to care enough. I would have thought that at the very least if the only motivational factor for the bank would be for them to get paid for the outstanding debts I have accumulated, they would at least rectify these concerns. I would appreciate someone calling me back today regarding both of the cases so that me and my family along with NFCU can hope to take the next steps so that we can all go back to some form of normalcy defined as no delinquent payments and 100 % visibility within my accounts. I can be reached absolutely any time @ XXXX. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2015-09-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Collection Connection (CA)

The debt collector- ( The Collection Connection ) has been hired by my previous XXXX who I have been fighting with over the charges he 's states we owe over XXXX missed appointments in XXXX 2014. He 's trying to charge my wife and I {$510.00} for XXXX missed appointments he claimed we missed in XXXX of 2014. I requested proof of us agreeing to these said appointments, and the Debt collector sent me a copy of the doctors appointment book with his notes in it. I have told the debt collector these are erroneous charges no services were ever provided nor did we ever commit to an appointment on said dates in XX/XX/XXXX otherwise we would have been there just like numerous other times we have went and my insurance was billed. This doctor- ( XXXX XXXX ) is taking advantage of us, he knows how stressed we are and after turning us into the collection agency continued to harass us every appointment we had after that. I told him several times that we never agreed on those appointments and its not fair he 's trying to charge us missed appointment charges of {$250.00} for each appointment, he does n't even charge the insurance company that much for an hour appointment when I have agreed to see him. Please help our family and I 'm sure the other family 's this doctor takes advantage of.
Consumer complaint received 2017-01-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OH)

I was reviewing my payment history with Loan Care AKA XXXX and I noticed on XX/XX/XXXX that in the amount paid column there is a figure of {$220000.00} when I questioned this with Loan Care they were unable to answer my question and forwarded it over to Payment investigations for review. I purchased my home in XXXX for {$180000.00} so this amount is puzzling to me as I have never seen any paperwork with this amount on it. I did go through a modification XXXX but was never issued any disclosures. I was only provided paperwork to sign and return. I am trying to figure out what this amount is as I have never seen it anywhere before, my current balance on my mortgage is {$120000.00} and my home appraised for XXXX in XX/XX/XXXX and they are still requiring me to pay Mortgage Insurance which is only if the LTV on your home is over 80 %. 80 % of XXXX is {$190000.00}. I feel as though something is not right with this. I want to be treated fairly and feel I am being overcharged by having to pay MI and I also do n't understand where this figure of {$220000.00} is coming from as I would NEVER agree to that. I work in the mortgage industry and am aware of how mortgages work. Can you please look into this and advise me of anything you can find out. Loan Care is unable to provide me with an explanation as to this figure. I 'm concerned that I may have been taken advantage of as the balance of my mortgage is well below 80 % LTV and I am paying MI in the amount of XXXX per month and also what is the {$220000.00} figure that is showing up. My initial loan amount was {$170000.00} and the purchase price of my home was {$180000.00}. Please advise Thank you
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Hello ... .I 'm writing this complaint to appeal against Wells Fargo mortgage. My wife and I feel mislead and discriminated on by our age. We just recently came out of a chapter XXXX bankruptcy. Everything was discharged through BKXXXX, except a few creditors, Wells fargo XXXX of them. We have entered into an agreement with Wells Fargo in good faith because they Promised to help us with our hardship. After signing all the documents and sending ontime P/I payments of {$400.00} for over 7 months ( loan # XXXX ) per said modification, the mortgage company is trying to foreclose on our property. At age XXXX and and XXXX we do n't have much. Our hardship propelled us into BK XXXX, I loss my job several years ago and wife had a tremendous loss in work hours. This affected our financial wellness. I have sent in all documentation at least a XXXX times until finally we were assured by XXXX XXXX That everything was ok and no other documents were needed and the modification was finalized and to expect the final documents to be signed. We were instead greeted with numberous harassing phone calls and demeaning tones by many other representatives who just did n't care about what we had to say. My other major concern is whatever happen to All the money that we paid specially for the modification P/I over the 7 months period. Wells Fargo said the fund was applied to the balance of my mortgage, but instead the amount owed now is vastly different. WE DONT WANT TO LOSE OUR HOME THAT WE HAVE HAD FOR SO LONG. PLEASE HELP US SAVE OUR HOME. Thank you. 

Sincerely XXXX and XXXX XXXX.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I checked my credit report and saw more wrong items that I did not authorize or approve. Here are the following inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are the following accounts that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (OH)

I am currently going thru Wells Fargo for a mortgage on a home. We were promised a certain rate ( XXXX ) and down payment ( 10 % ) on a mortgage for a XXXX family that we will be using as a XXXX family. The bank had the information on the property and a letter that stated we were using it as a XXXX family for the underwriter. All was well until now a little more than a week before closing, the appraiser says that he must do the appraisal as a XXXX family. Which is fine, I do n't care how it is appraised. However, now the bank is requiring us to put down 15 %. We have the money but we 're going to use that to put in air conditioning. I think it 's unfair that because an appraiser says it must be done as a XXXX family property, it affects our down payment and I 'm being told maybe even the rate.
Consumer complaint received 2016-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (FL)

I had a credit card with Sychrony Bank. The card provided rebate rewards, payable onece per month. My card had a balance of over {$130.00} in rewards XX/XX/2014. The card was stolen, so I called the bank for a replacement card. I received the replacement card, but there was confusion on the phone call regarding a replacemnt card that the bank sent on another account ( I thought the card was for the account in question -- it was not ). 

At any rate, the bank cancelled my account, claiming that I had requested the account be closed, and refused to issue me the rewards balance. I complained about this treatment in four subsequent calls to the bank. They continue to claim I asked to close the account. I did not. The phone call was recorded, but the bank refuses to let me listen to the recording with them. I am 100 % sure that an honest review of the phone call will reveal that I never asked to close the account! I view their false claims and taking of my contractually promised {$130.00} as fraud and theft.
Consumer complaint received 2015-08-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

Navy Federal Credit Union Denied my access to my bill pay because it was link to Fraud Account that was close and they issue me new account Number and they did not link my new account with bill pay so they denied me access to account because of lack of them doing there job. Why would they hold the customer responsible for them not linking the account with right one. Continue Lack of unprofessional when hand product and services. Please investigate the Product and Services Navy Federal Credit Union offer to the members and ensure they are processing and according to United States Federal Regulation. Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 
Because your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (PA)

I am writing to formally follow up on a dispute I previously submitted regarding the XXXXXXXX XXXX account, which is inaccurately reported on my credit file with your bureau. 
Despite my earlier communication and requests for correction, I have yet to receive a satisfactory resolution or an updated credit report reflecting the accurate status of this account.
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (IL)

About 9 months ago I got dunning calls from Wells Fargo Bank, the calls where about a person who I do n't know AT ALL. I contacted Wells Fargo and told them what was wrong, in addition to getting calls about a person I do n't know the callers threatened to keep me on the their call listing until I paid the debt. Even though it is not mine, When I complained I was told it would never happen again. Well it just did, and he caller made the same threats as before. I want this stopped and want the {$1500.00} they owe me since I am on the do not call registry, and they know I am they wrong person and should not call me. I also want them punished to the fullest extent of the law.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION XXXX. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nevada Credico, Inc. (TX)

We lived in XXXX XXXX in XXXX. We moved out in XXXX after giving 60 days noticed. We recieved a bill at our forwarding address for a unpaid electric and we paid the bill. In XXXX XXXX, more than a year after we moved out, the other lease holder, XXXX XXXX starting recieving calls that we owed the apartment complex {$3000.00} due to a broken lease. The lease was not broken and their records should show that our current lease was up. I still have record of the notice we sent in. Also, as we understand it, they are not allowed to charge us a debt unless we are given notice within 30 days, which we were not. They have our current address and our phone numbers, so it makes no sense why we received no notice until a year later and at this point have yet to receive any paperwork or an actual bill in regards to the debt. They had no right to charge us, especially without notice and now the debt is not only in collection, but I have been receiving calls about a lawsuit in an attempt to collect the debt.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

RE : XXXX XXXX Bank of America check account # XXXX Routing number XXXX XX/XX/22 @ XXXX transferred confirmation # XXXX On XX/XX/22, I have my Bank of America account hacked. A hacker has gain access to my information and my identify has been compromised to log into my Bank of America on Tuesday, XX/XX/22 at XXXX XXXX. I have received a email that my account has log-in and personal preference and setting like password has changed immediately and my phone number linked to the account also been removed. A short two minutes of time gone by and all my access to my account has been denied. I noticed an amount of XXXX XXXX XXXX XXXXXXXX XXXXXXXX  was transferred to an unknown individual by the name XXXX XXXX but unsuccessful. A second attempted was made to XXXX XXXX with email XXXX completed transferred of XXXX XXXX XXXX XXXXXXXX XXXX. 

I immediately called Bank of America to suspend all activity and told there will be an investigation and I should receive the fund within 10 business days. Unfortunately, they sent me a letter on XX/XX/22 and I was told that they can not and unable to honor my fraud claim. 

I am writing to address my concern that my banking information has compromised and I immediate suspended my account as the protocol. I am devastated that my funds has been stolen and Bank of America did not do their diligent to fulfilled further investigation. I am asking the XXXX XXXX XXXX XXXX to step to help me with Bank of America to take a deep dive and looked how my funds can not be recoup with name and the emails of individuals. 

I am eager to find a solution and as well as many other people had the same circumstances of identity theft and stolen funds from bank accounts. 

Warmly, XXXX XXXX
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I 've never been a day late nor a dollar short on any payment. I got a loan modification without missing ANY payments. Approximately 3 years ago, Wells Fargo reported that I missed XXXX payments. I disputed that via this website and was shocked to receive a call from Wells Fargo apologizing for the error and promising to remove the false derogatory from my credit. They did, but a while later they put it BACK on. I disputed it again, and again they removed it. Now I am refinancing, and they are reporting that I missed XXXX payment 40 months ago. LIES! How do I stop these miscreants from persecuting me this way? I am in mid-refinance, and this derogatory has already cost me {$3000.00} - it may cost me my loan lock at 3.625 % as well.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a paid collection on my file. It was paid over 45 days ago. I have disputed the information 3 times. I have submitted documentation via fax. I have tried to submit info via online submission but the system did not work. TransUnion continues to show I have not paid this debt. The other XXXX reporting agencies have the correct information and have had it for over a month now.
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TN)

I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Consumer complaint received 2015-12-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo back dated letter regarding proof of insurance. Letter dated and sent XXXX XXXX ( not received till a week later thru regular mail ), stated to provide proof of insurance before XXXX XXXX or would be force placed and was in fact already force placed prior to any notification ( I had provided all info the day after car was purchased, never notified they needed something else ). Not only was this provided a month before to the dealer, there was no way to comply with their notification AFTER the due date. This was then provided. This has since been provided to them XXXX times which they refuse to confirm receipt of. This was sent by myself XXXX times ( XXXX to dealer, XXXX faxed to thier insurance directly ) ..Three times by my agent directly. Another time from the insurance customer center XXXX # directly to Wells Fargo auto ... ..Then my agent even called and verbally gave the information twice more ... ... .still they claim is outstanding. Insurance dept routes me to customer service who routes me back to insurance ... .so on and so on. They keep charging more and more fees and have reported me late to the credit agencies which is detrimental to my credit rating, even though I have been calling and they know of the disupute and discrepency on their end. Also my actual payment has been auto deducted each month on time, so I have not paid anything late. Each time I get routed to someone else who give me different information, then never appears to notate my account since next time I call is like the first time. This is obviously a scam for additional fees and high insurance that is in cohersion with the auto dealer/lender. They have all my contact info yet claim they are not allowed to leave me a voicemail so that I know they are trying to reach me. Agents are rude and actually lied to me regarding my rights. They claimed that they can not file a complaint & have nothing to do with credit agencies to correct information and until I pay them, customer service will continue to pass me off to collections which will # XXXX not resolve the insurance matter nor address the erronous issues with my credit nor revese fees ....
Consumer complaint received 2015-07-03
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: ASSOCIATED BANC-CORP (MN)

Fell behind on XXXX mortgage with Associated Bank. Was contacted to set up payments with the assurance that it would stop legal attempts for judgment against me. I was also told the debt had been charged off and I would only be paying toward the principle. XXXX months later never missed a payment I saw a judgment against me and attempts for wage garnishment. I called them and they said that was a mistake and should n't have happened. They stopped garnishment attempts and apologized but I still now had a judgment against me. I continued to get a statement showing the principle amount with no interest and my monthly payment. Almost XXXX years of consistently paying every month I called to get the payoff amount as I 'm ready to sell my home and take the equity out to pay the lone off. The principle load amount was $ XXXX almost XXXX years of monthly payments over {$4000.00} my pay off amount was over {$33000.00}. They said the statements do n't show the interest charges but the judgment against me allowed them to collect interest. Had I seen any interest charges on my statements I would have questioned that over XXXX years ago. I feel like they took advantage of someone faithfully trying to pay back debt and always intended to file a judgment and collect interest.