davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After checking my consumer reportXXXX XXXX XXXX XXXX XXXX XXXX  and DEPT of EDXXXX XXXXXXXX XXXX XXXX XXXXXXXX is reporting a 30, 60, 90, and ND ( No data for this period ) delinquency late payment ( s ). I am demanding the following 30, 60, 90, and ND ( No data for this period ) day delinquency late payment ( s ) be removed and corrected to Current because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 USC 1681a -rules of construction on Section 2 - Exclusions subsection A subsection ( i ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) I the consumer is given an explanation of how I can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

tired of doing this. i have been with ciri bank 25 years plus what banking does not do sometimes is get to know their customers. XXXX does XXXX XXXX and i use those cards for major purchases. not citi. since there is no loyalty since XXXX they have XXXX dollars of interest they refuse to refund all of a sudden when it was happening. i have medical debt that could if i so chose allow me to discharge all. i am not doing this though. 
i am very frustrated at the scripts and bureaucracy in the financial industry what a disappointment that you dont get loyalty for loyalty so i cant give it. onceciti refunds it wuthout throwing it in my face or scripting me. or telling me its valid i will add it to my list of preferred cards. this is for my card ending in XXXX
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ASTA FUNDING INC. (PA)

I recently received a fraudulent collection letter from a " legitimate '' collection agency, XXXX, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MN)

I have been with Best Buy credit card for a couple years now. I have recently notice that on the last statement I have a charge from XXXX XXXX. I was going to dispute the charge on the best buy credit card site but the option was not availible. I went back each statement and noticed I 've been charge a fee every month. I 'm starting to wondering if this has the the case since I 've had the credit card. This really makes me want to pay off my card and never do business with Best Buy again. I have never signed up for this service nor would I ever want this. I will only stick to my local credit card provided by my credit union. 

The fee is on my statementsXXXX of 2014
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (TX)

My loan was sold to a different servicer. I set up bill pay with my bank. The new servicer rejected my first payment. When I called to find out why, they advised that they had received my payment but were rejecting it as their policy was to not accept bank billpay for the first payment after a transfer. I asked how I was to know that and the agent referred me to my welcome package. We reviewed the welcome package together and the agent, and a supervisor, confirmed that nowhere in the welcome package did it indicate that a billpay payment would be rejected XXXX the instructions even provide a reminder to update the billing information with the billpay provider! XXXX. When I raised this with the supervisor, she advised that they knew the welcome package was wrong and they had not gotten internal support to update the letter content to indicate that initial payments would be rejected. I let her know that I could not believe they were letting this happen as it would mean that every transferred customer would have a rejected first payment and therefore a late payment. Her response was that late charges would be waived - I told her that was not the point as we were not intending to pay late. I was given the option to make another payment with the agent to replace the one I had already made that was rejected - for a {$15.00} fee. Completely unacceptable service from Seneca XXXX Servicing.
Consumer complaint received 2016-02-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Global Lending Services LLC (DC)

Global lending services has refused to remove the ( XXXX ) 30 day payment reporting sent to the XXXX credit bureaus. The only month that i was 30 days late was for the month of XXXX XXXX yet the company has continues to report me 30 days late for the months of XXXX ( received XXXX payments to make up for XXXX ), XXXX, XXXX XXXX and XXXX XXXX. I also have documentation giving me an extension for XXXX and XXXX XXXX and yet they have already reported me 30 days late for XXXX. This information is inaccurate. I have statements from the company 's own website glspay.com with payments history showing payments were made before the 30 day late period. I have also have bank statements that show, the company has received over {$3000.00} in payments since the Month of XXXX XXXX. Ive tried speaking with customer service, even after explaining that the payments were made through their system on a bi-weekly basis there has been no compromise. I have email, called, left voicemails, provided bank statements, and pleaded. I really need those late payments removed because i did not pay 30 days late except for XXXX XXXX.
Consumer complaint received 2016-09-07
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I used citizens bank ATM machine XXXX/XXXX/16 and it " ate '' my debit card. On the next baking day the manager said I cant get my card for 5 days. After a 2 month interval I used the same machine and the sme thing happened again. I was told an executive would contact me. No one ever did.
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ZENCO COLLECTION, LLC (CA)

Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of Zenco Collects ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a XXXX credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the XXXX XXXX indicated on their website. I see the letter was not picked up and is being returned now. I sent XXXX more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a XXXX-only to their street address and XXXX XXXX-only to the XXXX XXXX address. I informed them in the letter that all my debts were discharged by XXXX XXXX bankruptcy in XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Profit Recovery, Inc., Marlborough, MA Branch (ME)

We purchased a business and landscaping was already in place by a company. We let them continue, but did not have a contract with the company. We called and asked for a Mosquito treatment on the property in XXXX 2013. They did not apply it until XXXX 2013. At that point, we called and cancelled all services. The landscape company continued to come every week, but were coming in the morning before anyone was at the building. We never saw them. I received the XXXX billing after cancellation in mid-XXXX 2013 and called again and left a message. They still continued to come through the end of the season. We have written letters and asked for these bills to be reversed. XXXX years later, the landscape company has turned the account over for collection.
Consumer complaint received 2016-09-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

After filing a complaint with the CFPB, my foreclosure date was postpone and XXXX XXXX Executive Mortgage Specialist Representing Wells Fargo. XXXX XXXX used stall tactics with the paperwork submitted for a short-sale by reassigning the paperwork submitted by XXXX and XXXX XXXX 4 times within a month which by a realtor is very unusual. I received a phone call from XXXX XXXX saying a decision has been made and they ( Wells Fargo was turning down my request for a short-sale due to deadline date was not met and a home loan modification because insufficient funds. Now I know there was no deadline date for the short-sale paperwork to be turn in. I was never notified of this date. This is not fair to me the consumer nor to me as a veteran. I am participating with all that is given o me and to be turned down just because the executives of Wells Fargo wants me gone is unfair. Please do something. I have contacted the legal Bureau as instructed by one of your representatives and I am awaiting on their call either today or tomorrow. I am re-submitting all paperwork sent to them, back to them by fax starting XXXX XXXX, 2016. I still need your assistance to stop another foreclosure date for being place on my property again. I also need Wells Fargo to accept the short sale package given and review the paperwork/ Please help me.
Consumer complaint received 2016-01-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

In receipt of the latest correspondence from Wells Fargo Home Mortgage Return Mail Operations, dated XXXX XXXX, 2016. This is yet another attempt of calculated bullying designed by Wells Fargo Home Mortgage to begin the steps of credit ruin. The letter comes on the heels of my correspondence with XXXX XXXX, of the XXXX XXXX XXXX, NC Wells Fargo Branch. In which we sat down, discussed my concerns, made copies of my deposits and letters from Wells Fargo Home Mortgage. In an attempt to receive a definitive resolution, seeing that my point of contact XXXX XXXX ( XXXX ) XXXX, whom I contacted XXXX twice ), yesterday at XXXX and XXXX. In both instances I was unable to establish contact with XXXX XXXX. Additionally while at Wells Fargo XXXX XXXX XXXX, I made a deposit of {$1600.00}. All while XXXX XXXX phoned a Wells Fargo Home Mortgage representative directly while I sat listening. The letter sent to my home states that I requested mortgage assistance and that I must " Please Contact Us Right Away, Do n't Delay- Call Us Right Away! ". The tactics displayed by Wells Fargo Home Mortgage has now come to a point of unprecedented ridiculousness. I challenge Wells Fargo Home Mortgage to provide proof of myself requesting this assistance. Even through this back and forth of repeated letters and Wells Fargo Home Mortgage failing to request pertinent information, ie, receipts, deposits. The manage to attempt to flat out lie to gain the upper hand. Again PROVE that I requested this assistance, with either a phone call, email, written request, anything!!. This company is at the height of shame and sham, to falsify documents is AGAINST THE LAW!. This and other false documents will continue to be shared with CFPB and the CEO 's of Wells Fargo Home Mortgage, XXXX and all other agencies necessary.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

A request was submitted numerous times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, but I am not liable for this debt with Townhomes of XXXX XXXX for {$15000.00}. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (LA)

I have an account at XXXX and setup online bill pay to send a draft check to Wells Fargo to pay for my mortgage account monthly in the amount of {$900.00}. The first payment was delivered on XX/XX/XXXX to WF and processed by WF on XX/XX/XXXX, and they reversed the payment on XX/XX/XXXX. They indicated the the 3rd party bill pay issued a stop payment and they returned the funds electronically. 

I spoke with my XXXX as well at the 3rd party bill pay and they indicated that no such order was issued, or could be issued for such payment. 

After multiple calls and escalation to WF, WF indicated that they will send the record that they fulfilled the stop payment order and return of funds but that record has never been received. 

I had to make an extra mortgage payment to ensure that my account stays current, I may have also incurred additional fees from a late payment and extra interest because the " additional '' payment was received late. As it stands, WF says they sent the money back, and my XXXX account does not indicate any returns funds. I have been back and forth with both companies and I consider my money lost and stolen.
Consumer complaint received 2016-02-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I went through a loan modification with Wells Fargo, they stated to me that for me to get this loan modification I need to not submit mortgage payments, and I told them that I want to continue to submit mortgage payments because I did not want the missed payments to affect my credit score. They assured me that it would have no affect to my credit score and that because I was being qualified to receive a loan modification I was safe and nothing will be reported to the Credit Bureaus. Now I have 5 delinquent payments on behalf of Wells Fargo showing up on my credit score and I will like them to be removed.
Consumer complaint received 2021-07-27
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)

To Whom It May Concern : I submitted a Dispute Form to Experian with information showing the manager ( Mr. XXXX XXXX ) of XXXX XXXX Sales forged my signature on several documents. One document was a credit application. Experian told me the information I provided was forwarded to XXXX for an explanation. As of the writing of this letter, my credit file has not changed. Therefore, I assume XXXX has told Experian that I signed the credit application. 

Please consider this a complaint against Experian. It was my understanding that Experian would investigate this matter. I was never sure if Experian did an investigation. Experian stated the information I submitted to them was sent to the company for a response. Eventually, I believe Experian told me what they change was changed. Nothing changed on my credit file as a result of the dispute. 

I hope CFPB will hold Experian accountable and obtain the documents I am requesting. You may refer to Complaint ID XXXX for additional information. I give CFPB to act as my agent regarding this matter.
Consumer complaint received 2016-04-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have been trying for over a year to obtain a loan modification from Wells Fargo without any success. I had previously filed for BK protection last year to save my home from a FCL sale ; however, my BK has been dismissed due to a problem with a creditor on a car loan for my wife for which I was listed as a co-signer. After struggling since XX/XX/XXXX after losing my job, I finally have a steady income and have satisfied my debts with the exception of my home. I fell in default of my mortgage due to a decrease of my income and caring for my elderly parents expenses ( who share my home with me and suffer from XXXX and XXXX XXXX. As of the most recent notice from Wells on XX/XX/XXXX, my total amount due is {>= $1,000,000}. My most recent payments to Wells have been returned and I resent the payments totaling {$3300.00} on XXXX XXXX, XXXX. With my families assistance and including the above referenced payments of {$3300.00}, I am able to contribute {$7100.00} which represents over XXXX % of my total outstanding balance. Last week I finally was able to reach Wells and I received my loan modification paperwork which I am completing and faxing to Wells on or before XXXX XXXX, XXXX. Therefore, I kindly request your assistance in securing a postponement of my FCL sale set for XXXX XXXX, XXXX, while I am considered for a loan modification/repayment plan.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

Atlantic Bay Mortgage Group is charging a {$10.00} 'processing fee '' for online payments based on the number of days it is past its due date. 
On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date-No Fee 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} The terms of my mortgage say that after the XXXX there is a late charge. So essentially they are charging me for a late charge before that. It would be different if they charged me the same {$10.00} regardless of when it was due. Since they base this payment on the due date, it effectively is calling it a late charge.
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KEYCORP (OR)

I am being harassed by debt collectors over debts owed by tenants who rented a room in my home over a decade ago. Most recently, " American Education Services '' / '' XXXX '' have been calling and sending letters demanding I give them contact info for the supposed debtor. ( Her mother was the tenant-of-record, and she was in middle school when they lived here. ) The letter says " he/she listed you as a personal reference that we could contact to verify his/her address and telephone number '', which is a LIE ( I do n't HAVE her current contact info, and would n't give it to these scumbags even if I knew it ). The letter arrived about a week AFTER they called me early one morning for this info, and thus AFTER I told them that I had NO current connection to the debtor AND that they were BREAKING THE LAW by continuing to harass me over debt I did n't owe.
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint for you to make an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please help me correct the following accounts : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX OF XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX  XXXX Balance Owed : {$34000.00}.