davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am writing to you in need of your assistance with bank of America. I have tried to do 2 modifications with them and they have been both denied. the first one with no reason and the 2 one because my income ratio was not good for them, but under the guidelines I have send them I meet all the criteria for approval and then they came back saying that the lender is approving any modification. I was giving this email by the OCC, my case number is XXXX. 



please let me know if you can help me. 



XXXX
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (TX)

I have a charge account that is control by Wels Fargo where I had a balance of XXXX and a XXXX charge of interest had been added to the account. I have not been receiving the bills and I have been telling them that as well. Every time I talked to them they said my address has been corrected and I still never received my bill. Now that they say the terms have passed they say I owe the total amount of interest on the account. I tried to explain this to them but they did not care. They said it was my fault and that I owe them the money. I have paid the remaining balance the XXXX. I do n't know what to do, this seems like it is fraudulent on their part. How can XXXX be add to an account with a balance of XXXX?
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (IN)

This company has been furnishing my consumer report for some time claiming that I owe them a debt. Ive previously filed a CFPB complaint ( XXXX ) about them violating many of my rights by furnishing my report the way they have. Not only have they decided to take no remedying action, but they are also infringing HIPPA laws. Ive expressed to them that Ive given no permission for anything regarding my medical information/records to be shared. I expressed that I will be sharing this information and their negligent acts with the CFPB and may escalate it to the Office for Civil Rights and the Attorney General if necessary.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (NY)

Recently I saw a late payment on my Experian credit report from XXXXXXXX XXXX that I do not recognize. Transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected. Aso this is not reporting on XXXX on XXXX for this same account.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX Payment - Same address as the one listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XXXX/XXXX/16 at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # SWL ) on XXXX/XXXX/16 around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XXXX/XXXX/2016 ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 

Thank you very much
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (ME)

I am a XXXX helping a borrower of Wells Fargo ( WF ) who is behind on her payments. A request for modification assistance has been submitted to WF on their proscribed forms. I have attempted on several occasions to contact the single point of contact ( XXXX ) designated by WF and each time have had to leave a voicemail message without any response. Yesterday, I was told that I needed to schedule a specific time for a call back by the XXXX, which I did ( XXXX my time ) and still no call.
Consumer complaint received 2015-06-19
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (CA)

At the beginning of XXXX 2015 I applied to Navy Federal Credit Union for a used auto loan and was approved. I had the vehicle info, the dealership info and all other information that was needed to purchase the vehicle. Before everything was finalized, the vehicle was sold. I cancelled that loan with no problems. Around XX/XX/XXXX I found another vehicle and had all the required info in hand I applied and was approved. That vehicle was also sold before everything was finalized. I called Navy Federal to cancel this loan and spoke to a member service rep and he told me he cancelled the loan and everything was good to go. A couple of days later I am checking my accounts and this loan is now showing up as XXXX of my accounts. I called Navy Federal again and was told the loan was never cancelled by the other member service rep. This rep said they would take care of it. It did n't happen the second time either. The XXXX time I called, emailed through their website and complained on their XXXX page and finally the loan was cancelled but the damage was done. Navy Federal reported this loan to the credit bureaus as if I had received it and given it to the dealership to purchase the car. I called XXXX times to cancel this loan, never went into the bank to pick it up and never purchased a car but this loan is now on my credit report as an open account for {$46.00}, XXXX. I asked Navy Federal to submit something to the credit agencies XX/XX/XXXX and they told me it was not their job to submit anything and pretty much it was all on me dispute it. Even though it was their fault they submitted this fraudulently, it was my job to fix it. I have tried going through dealerships since then to receive financing but no one will give me financing because my credit report is already showing I have this loan for over XXXX already open and it 's making it seem as if I have almost XXXX in debt right now. I do n't, I am only {$22.00}, XXXX. I explained to them what happened and still no luck on getting financing. I still do n't have a car either. I applied again to Navy Federal on XXXX XXXX 2015 and now they are denying me credit. Even though they approved me for a used auto loan all the previous times I applied and XXXX credit cards. I 'm sure they are denying me credit for the same reason everyone else, this open {$46000.00} used auto loan that they submitted to the credit reporting agencies and that 's still showing up on my credit report as open. Now my credit score has dropped a lot because of this and because of all the inquiries by the dealerships trying to get me financing. After all of this, I still have no car, have to rent vehicles or borrow a friend 's car for anything I want to do now. They still have not accepted fault in this and in my honest opinion are not seeing how frustrating and aggravating this is. I am now seeking legal advice and legal action because I need a car and Navy Federal has really left me with no other options.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax is reporting on XXXX of my credit lines ( XXXX XXXX ) that I was delinquent ( XXXX XXXX and XXXX XXXX XXXX even after submitting documentation from the original creditor which indicated that I was never late and XXXX of the credit lines ( XXXX ) with no payment history. Overall, Equifax has failed to fulfill the investigation process since XXXX XXXX.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had my Bank of America debit card compromised back in XXXX. When I realized someone was charging on it I called the bank to cancel card get new one issued and then disputed the transactions that took place. They went through the dispute process and credited my account {$2400.00} - 3 months later on Friday XXXX XXXX, they did a credit reversal for {$500.00} and {$250.00} on my account. They said there is nothing more that they can do. Its like stealing money from me. I never made the puchases. They credited the other amounts and left me high and dry. {$750.00} is not a lot of money to B and A but to me who when through an unforseen layoff its a lot. I have been with B and A for over 30 years as well. I need help,
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IL)

Equifax has continued to report my credit incorrectly even after several attempts by myself to correct the information. Equifax is refusing to report my auto loan by XXXX. Equifax starts disputes on my accounts without me even asking. Equifax refuse to remove fraudulent inquires and put dispute comments on accounts that I never disputed
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I pulled a copy of my credit report on XXXX/XXXX/2016 and the address listed for XXXX XXXX XXXX, was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. This address is incorrect ( I sent a certified letter to that address and it was returned to me " Not deliverable as addressed '' ). I sent this information to the Credit Bureau and asked for removal of this account from my credit report due to inaccurate information. On XXXX/XXXX/2016 I pulled my credit report again and the Credit Bureau did not delete this from my credit file, they only changed the address.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

Describe what happened so we can understand the issue ... 

Equifax has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Alert ( s ) File Blocked For Promotional Purposes Fraud Alert File Blocked For Promotional Purposes File Blocked for Promotional Purposes Expiration Date : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Address : Phone : Phone : Phone : Comments :
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I purchased a 15 year loan in XXXX XXXX from Wells Fargo ( loan # XXXX ). I was told that if you paid twice a month as opposed to once a month that it would reduce 4 years from your mortgage. I contracted for this in XXXX. Apparently Wells Fargo used a third party XXXX XXXX XXXX XXXX to administer this. I am told that they send a the extra equity payment once a month to the loan holder ( Wells Fargo ) whereas usually this this is done twice a month. Consequently, the additional equity has not accrued at the rate that I was told ... such that the mortgage would be paid off in four years. 
I called in XXXX and was told that the payout date was XXXX XXXX - this is longer than the 11 years promised but I accepted it. I now called to confirm the payout date so that I can make plans for retirement and I am told a different story ... that the payout date is XXXX XXXX. 
What this means is I have been told different stories every time that I call. The load was not set up the way I contracted and/or they changed their process and did not tell me. 
I would like this reviewed and the payment schedule to be re-configured in accordance with the original guidelines that I agreed to. 
As it stands now, paying twice a month ( at a hardship ) only yielded a little more than one year taken off the the fifteen year loan term. 
XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX
Consumer complaint received 2015-12-04
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I am receiving repeated phone calls from XXXX XXXX at Bayview Loan Processing, LLC while I am at work about a debt that belongs to someone with a similar, but not same, name. The debt is attached to a property I do not own now nor have I ever owned. My phone number is attached to the account and Bayview Loan Processing will not remove it because the last XXXX of my social does not match the one on the account. They will not give me any information regarding the loan. The name on the account is XXXX XXXX though I am uncertain of the spelling
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: South Mississippi Collection Services Inc. (MS)

My complaint is included in the document attached. 
I am seeking monetary relief and deletion of accounts on my credit report due to unfair debt collection practices ( South Mississippi Collections ), inaccurate and incomplete credit reporting, consumer reporting agencies ( XXXX and XXXX XXXX ) not using reasonable procedures to certify the information being furnished to my credit report.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.
Consumer complaint received 2015-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Windham Professionals, Inc. (OR)

I received a call from Windham Professionals looking for someone who I have no knowlege of, and is not affiliated with my phone number. The call was received at XXXX XXXX Pacific Time on XXXX XXXX, 2015.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

These alleged accounts are being reported to my consumer report without my consent In the form of a " charge off ''. The IRS identifies a " charge off '' as income for which I should have received a 1099C. I have not received a 1099C nor does incomes suppose to be reported to consumer reports! Therefore in accordance to the FCRA, please remove these account from my consumer report. You have an obligation to protect my right to privacy and to ensure my consumer report is fair and equitable to me at all times.
Consumer complaint received 2016-01-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I need some assistance with my foreclosure sale date scheduled on XXXX/XXXX/16. I am already in review for a loan modification and have given all the information that has been asked of me for the review. I just need help getting the sale date postponed.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-13
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. (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (NY)

As part of a larger discrimination and destitution scheme The Plaintiff would rent a car from XXXX XXXX during XXXX - XX/XX/XXXX. The XXXX would pay the XXXX $ rental price and then magically XXXX XXXX would send the payment back to The XXXX 's credit card. Due to knowing the nature of the return and the motives behind such actions The Plaintiff would accept the refund and would go about his life. Knowing the intention was to report the car stolen and get The Plaintiff killed or arrested, as many articles about the same practice would infer, The Plaintiff would return the rental on the return date. The Plaintiff would then see XXXX XXXX charge his credit card after deliberately and intentionally issuing him a refund of their own accord and choice and insist that he owed them money despite already actually paying for the rental. The Plaintiff would inform his bank, Wells Fargo, of what was occuring and despite being aware of the situation and being fully informed of what was occuring The Bank would choose to honor the Company 's illegal action, wire fraud, and charge The Plaintiff 's credit card for the original XXXX $ rental price as well as a XXXX $ fee, that was just a form of extortion, another count of wire fraud. The Bank would then close The Plaintiff 's bank account and levy a XXXX $ charge against his social security number, as part of a scheme to destitute and disenfranchise him by attempting to force him to be unbanked and allowing him to become a victim of robberies, as was intended and had occured to The Plaintiff. As part of a large scheme by several financial institutions, as similar as the bank crisis of XXXX and XXXX, to destitute and disenfranchise The Plaintiff he would be discriminated by several of financial institutions under the ruse and by a No Business Order, which has no actual bases due to The Plaintiff being victimized through the use of XXXX and XXXX XXXX XXXXe by said institutions ' employees that he was a stereotypical XXXX male in an attempt to force The Plaintiff to turn to a life of crime and get killed by Police. As similar as Germanys reporting Jews during the XXXX said institutions would treat The Plaintiff as if he was a criminal XXXX boy and in the wrong despite having records of their employees exhibiting the XXXX and discriminatory actions. The Plaintiff would intentionally and deliberately be insulted by said institutions ' employees time and time again in an attempt to force him to lose access to his account and end up destitute. Said Institutions would knowingly, intentionally, and deliberately side with their wrong employees and attempt to destitute The Plaintiff.