davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to communicate with Wells Fargo regarding the foreclosure of my home and the events of what lead to the default of my mortgage. My husband passed, which was very hard for me and took a toll of many areas in my life, emotionally and financially. Wells Fargo was aware of his XXXX   and also were aware of the fire my home endured as well. Yet instead of offering help and guiding me in the right direction, they acted as though it was too late for anything and had me send in paperwork all just to tell me they can not offer me anything. So many things went wrong and I strongly feel this loan is predatory and am having it currently investigated. Not to mention my interest rate continues to go up and up from 7 % to 11 %. My entire pension was going towards the mortgage which was not feasible. Now as an elderly widow, I am being forced out of my home with no options nor help from Wells Fargo. I have just recently hired an attorney whom I hope can help me resolve this matter and put some fairness into this mess. What burdens me the most is this is not the first I have heard about Wells Fargo behavior, and it is putting more stress on my life.
Consumer complaint received 2024-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (FL)

Went to XXXX XXXX XXXX In XXXX of XXXX and sat with doctor XXXX his XXXX  and his his billing cashier.I asked the doctor if he would be able to help me catch up on dental work that would be covered by my primary and secondary insurance. 
he said absolutly thats what they do all day.I asked him if he could work with my two insurances and I could pay my out of pocket as we did each procedure.He said yes, I asked him if he would be able to let me know when we had used up and exausted my bennifits so we could stop and start agian in the next calender year when benefites were replenished.He said yes no problem so we made our first appointment and began the process.The rest of that year went according to plan with no issuesnd year i paid my out of pocket as we went along.Then we started the 2nd year XXXX went along the same way payed my out of pocket as i went along no problems.Then it was time for a cleaning had appointment for XX/XX/XXXX at XXXX i got the usual 3 text reminders that day even one on my way there, when i arrived office was closed nobody there no sign or anything on the door explaining why they were closed.after calling for several weeks finally some one answered and a new appointment was made for XXXX and when i showed up for appointment the hygenist and i were the only one in the office he told me my out of pocket for the cleaning was {$350.00} i said ther must me some mistake they told me when i made the appointment thay told me the cleaning was all covered by the insurances so he said your right leta just do it they will fix billing tomorrow. In XXXX I recieved a statement from XXXX XXXX XXXX stating i owed them XXXX XXXXXXXXI have been to the office three times after that and all three times they apologized and told me I paid all my out of pocket charges and they are just waiting for the insurances to pay their part and most of the time it takes the insurance months to pay on benifits, they said i should have never recieved a statement because I am all paid up.The next month i recieved the same statement.This went on for some time i made several attempts to speak XXXX XXXX XXXX and was un successful.I told the new office manager this will never be resolved until the doctor calls and speaks with me.To this day i have recieved no calls no texts no emails or regular mail! Please give me some guidance as they have now sent the bill to a collection agency.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (VA)

I was charged a {$15.00} fee from my checking account at PNC on XX/XX/2020. I was not told what the fee was charged for, and I did not receive an alert that it was charged -- I only discovered it when looking over my bank statement after the fact. When I contacted the company, they told me that the fee was charged due to insufficient funds in my account, despite the fact that I had over {$8000.00} in my combined checking and savings accounts at the time. I received no alerts or warnings that the funds in my account were below the required amount ; I was not even aware that there was a required minimum amount. PNC 's representative ( who, I should add, did the best she could given the situation ) told me that this would have been in the literature I received when opening the account. But I opened the account eight years ago when I was XXXX years old, and as far as I can tell the minimum balance requirements are not clearly stated anywhere else.
Consumer complaint received 2020-03-19
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: WELLS FARGO & COMPANY (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

XXXX XXXX XXXX Was sent a debt verification letter in return they only sent a billing statement .Under the FCRA 15 U.S.C. 1681I. All  unverified account must be probably deleted
Consumer complaint received 2020-03-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL INC (UT)

I have already informed coast professional to send debt back to original creditor as I have no knowledge of this debt. I was approved a waiver to withdraw classes from XXXX and never received any funds. I am disputing this debt as a result of identity theft and fraud. Please send back to the original creditor.
Consumer complaint received 2019-12-26
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: EQUIFAX, INC. (FL)

THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, I AM NOT RESPONSIBLE FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY FILE FOR I HAD NO KNOWLEDGE OF IT BEING ON MY CREDIT UNTIL I RECENTLY UPDATED THE REPORT.
Consumer complaint received 2020-03-18
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. (MO)

In XX/XX/XXXX I complained to Experian that my credit score and credit information has not been updated since XX/XX/XXXX. No action has been taken nor have I received notification of any action being taken.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc. (NC)

I received a collection notice from Optimum Outcomes, collecting for XXXX XXXX XXXX XXXX. a hospital bill. I NEVER received a bill from the hospital nor do I recall services provided on XX/XX/2020. 

This matter is being looked in to by a medical advocate for seniors, as well as re-investigating this with the original creditor. I am requesting time to look into this matter pursuant to the FAIR CREDIT REPORTING ACT and the FAIR CREDIT BILLING ACT.
Consumer complaint received 2020-03-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I did not apply for this payday loan in the amount of {$780.00}. There was no documentation or communication sent to me stating that I owed this debt. I have requested validation of this debt several times. This is invalid information that has been distributed to the 3 major Credit Bureau 's ( XXXX, XXXX, and XXXX  ), this may be considered fraud under Federal and State Laws. I am requesting validation that the debt is mine.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My bill with Capitol One was due XXXX - I sent up a payment arrangement online XX/XX/2020 for payment to be automatically taken out. Payment was never processed - I went to use my card and my card was not approved for payment. When I called on XX/XX/2020 I was advised this was due to my missed payment. After back and forth as I had set up a payment arrangement and fund were never processed, I was told all I had to pay was {$6.00} prior to XXXX and the services would be restored the following day by XXXX. I made the payment and expected my services to be restored XXXX XXXX on XX/XX/2020. I wet to use my card today XX/XX/2020 and again card was not approved. After calling capitol one yet again - I had to be transferred to a supervisor because previous rep ID # XXXX advised he could not see the notes taken during my previous call onXX/XX/2020 with the supervisor. Spoke with supervisor XXXX who advised there was nothing she could do, advised in order to have my services restored I would need to pay XXXX. I understood but reiterated I was advised to pay {$6.00} and not {$6.00}. I asked to have the hold lifted being that I was told incorrect information and its only XXXX. I again was advised there was nothing that could be done. So I requested to have the call pulled, even if the restriction could not be lifted to at least know that I was told incorrect information and to have their reps properly trained to avoid this type of miscommunication moving forward. I was advised No again. I was on this call for an hour and got no where. I have been a client with capitol one for 11 years and never missed a payment and to think I have to go through this over XXXX.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

i made the mistake of getting on XXXX and meet some one on this site that wanted {$3500.00} to get bank to u.s.a .but he did n't come to u.s. i do n't know what he spend the money on but i am in the hole because of this. i had bounced checked and was changed {$25.00} for all the bounced checks that came out of my account for i made with XXXX XXXX that i pay to send him this money. i am on ssi for i 'm XXXX yrs. old what i got into this MESS. i could kick myself in the XXXX.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (AL)

On XX/XX/XXXX around XXXX XXXX  CST, I spoke with XXXX XXXX ( XXXX, XXXX XXXX ) from Quicken Loans, as I was inquiring about the rates for a possible refi of my mortgage loan. XXXX provided the many options and explained how the refi processed worked. I told her that I purchased my home in XXXX and was interested in possibly lowering my monthly payment and the 4 % interest rate. I was not provided any information about the current rates. When XXXX said that she could pull my credit to get started, I told her that I wanted to talk to my husband first before doing that. I declined the credit inquiry. XXXX said that the hard inquiry would only have a minimal impact on my credit. XXXX insisted twice after the initial no that I get my credit pulled to see what I qualify for to save a return call. I declined again. XXXX texted me her phone number and faxed number and explained to leave a message if she did not answer, and she would return the call. Later the same day, I received an alert from XXXX stating a mortgage inquiry was processed against my credit. I texted XXXX about the inquiry. While waiting on her texted, I started the process of filing a complaint with the XXXX. XXXX later texted and said she thought I said okay to the authorization. I explained to XXXX that I never gave her authorization as I told her NO three times. XXXX stood by the untruth until I told her that Quicken could remove the inquiry and that I had planned to file a complaint with the XXXX, CFPB, & FED. At that time, XXXX apologized for the confusion and said she would do what she could to rectify the situation. However, I moved forward with the complaint as she has already demonstrated her dishonesty. Please have Quicken to update the bureaus and remove this unauthorized hard inquiry from my credit immediately. I was reluctant to move forward because I just recently opened two credit cards and wanted to discuss with my husband if it was even worth it to do a refi. Ive heard nothing but great things about Quicken Loans, but the unfair and deceptive tactics that XXXX used today goes against all the good Ive heard. The last four of my social is XXXX. My date of birth is XX/XX/XXXX. Date of occurrence is XX/XX/XXXX.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX issued by XXXX XXXX  has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & XXXX  ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

" A_ _ _ _ _ a '' is an old debt on my credit file. I requested the three ( 3 ) credit bureaus delete this account from my credit file. XXXX  and XXXX  agreed and deleted the account. 

Experian will not delete this account from my credit file, even though Experian has a Fall Off date of XX/XX/2020. 

I am currently applying for a loan and Time is of the Essence. I need for Experian to Delete this account from my credit file. I see no reason why Experian would not accommodate me and delete this file per my request, especially since this account is to be deleted XX/XX/2020 per Experian 's report. 

Your help will be very much appreciated, as my direct request to Experian has not been successful. 

Thank You,
Consumer complaint received 2019-12-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I am an XXXX XXXX service member and my house was damaged during XXXX XXXX. I have been working a Modification with PHH since XXXX and after a denial, an approved appeal I sent in the notorized modification and because of an " notary error '' they could not approve the modification and had notorized it again and again they said there was an error. I called and they said it was because my middle initial was included on the notary page, when on the paperwork it did not show my middle initial. So for a third time I had it notorized without my middle initial. Well this was all going on I have been trying to sell the property. I got an offer for {$88000.00} and ordered a payoff and the payoff did not include the {$45000.00} the mortgage company is holding for repairs from the hurricane. Since I owe {$120000.00} and the I need the insurance proceeds to be included on the payoff so the title agency knows how much to transmit at closing. After hours and days on the phone I sent PHH an error notification and filed a CFPB complaint. Now on the same day I filed that complaint, they sent me a letter stating I decided not to accept the modification. This is not true. I accepted the modification 3 times and never stated I do not want the modification. I have just been attempting to get an accurate payoff. I submitted the payment for the modification and today after calling they tell me the modification was canceled and they rejected my payment. I still have not been given an accurate payoff so I can't sell and now they took away my modification. I never requested a short sale or cancellation of my modification. I only requested an accurate payoff with the insurance proceeds that PHH is holding.
Consumer complaint received 2020-03-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

PHH Mortgage Services is attempting to collect {$6000.00} in fees and assessed expenses with my mortgage statement. I am currently behind two months of mortgage payment for a total amount of {$5400.00}. They are refusing to accepted what is owed of {$5400.00} in back mortgage. Attached you will find a current mortgage for the month of XX/XX/2020 an it will reflect they are demanding the penalty fees and assessed mortgage in one payment. A mortgage lender is not allowed to demand penalties, fees or assessed fees when asking for back mortgage payment.
Consumer complaint received 2019-12-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I was offered concert tickets via a direct message on XXXX. I completed the transfer using Paypal for {$63.00}. I found out immediately that it was a scam and fake tickets were sent to me. I called XXXX   to confirm. They told me it was a scam. I filed a grievance with Paypal, and they closed the case saying that they were denying my claim. The person to whom I sent the money has not responded to my requests for a refund. The person 's name on Paypal is XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX Capital One closed my credit card stating they received documentation from the credit reporting agency that the account was opened fraudulently. This account was opened in XX/XX/XXXX and I've never had not one problem regarding fraud/cap one until now. The fraud case was closed and now capital one has added a new card number and late payment history when I had no control over the process. The noble thing to do was to inform that the case was closed and payments will resume as scheduled but I never had access to my account while this was taking place. Fast forward to today and I am in the process of buying a home and the late payments are ruining my chances of getting this home for me and my family. I called each credit bureau and they removed the late payments until a few days ago they were added back. Please assist me regarding this matter is this even legal for to be treated/handled like this?
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU