davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-10
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

I have given permission to my son, XXXX XXXX to handle all of my financial affairs which is noted and accepted by Wells Fargo. Obviously I have been taken advantage of at least once already. I am an elderly woman who comes from a generation where we were taught to trust our banks. Obviously I made a huge mistake trusting Wells Fargo and XXXX XXXX. As I have previously stated, the most important part of deciding on an HECM loan is understanding the complexity of said loan. Most seniors and adults of any age have a very difficult time understanding Reverse Mortgages. Most HECM loans require intense counseling to understand XXXX pages of critical information pertaining to the pros and cons of a Reverse Mortgage. That 's where the lender should step in to not only help the senior find an approved counseling agency per the Office of Elder Affairs. The XXXX of Massachusetts still cautions seniors on getting a Reverse Mortgage and recommends that each senior bring their own lawyer to the closing. Apparently Wells Fargo seized this opportunity to con my my mother into signing for a Reverse Mortgage. The salesman also must inform the senior of other more suitable options than an HECM. XXXX spent a largely inflated XXXX at closing along with XXXX which was supposed to go into escrow so she would not find herself in a position where funds have dried up and she falls behind on paying her property taxes, home insurance and upkeep of the property. The sales man realized that XXXX had access to at least {$44000.00} and no longer saw her as a senior attempting to do what was best for her after retirement. Instead, the salesman XXXX XXXX used the opportunity to do what was best for himself. He wanted to close the loan at the end of the 2010 fiscal year on XXXX XXXX, 2010. He used his skills of deception, bullying, lying and coercion to ensure the mortgage could be over and done with quickly, so he would receive his commission and XXXX would not have the time to seek legal advice. Wells Fargo has already submitted the HECM document to the CFPB that clearly indicates that the counseling was not done in person and not approved by the Office of Elder Affairs. As a matter of fact, the XXXX XXXX XXXX company located in Florida was/is not even licensed to counsel anybody in Massachusetts. One major flaw that was not on the original HECM counseling form submitted to the CFPD is the alleged removal of the {$650.00} she was charged for illegal counseling. The reason for this " OVERSIGHT '' is because I alerted Wells Fargo to the fact that HECM counseling costs roughly {$120.00} and in some cases ; it 's free. Wells Fargo still uses deception and fraudulent tactics to this very day.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (IL)

I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, XXXX and Experian to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.
Consumer complaint received 2015-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (ME)

Have been receiving numerous calls from XXXX XXXX XXXX XXXX XXXX, Maine. When I pick up the receiver no one answers and there is no recording, just silence. This goes on day after day. Finally yesterday, XXXX/XXXX/2015 after receiving another call I called the number back. Woman who answered said she was from a Collection Agency, did not give a name of the organization and that she was looking for a woman, XXXX ( XXXX name ) which I can not remember. I informed her that my wife and I live here and there is no XXXX living here. Calls from this number are nearly everyday, often twice a day. The least they can do is answer the phone when they call my home. I hope you can rectify this nuisance for me. I have no debts other than monthly bills and have never dealt with a debt collector. 
Thank you.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I purchased XXXX items at one time and when I purchased the items, the vendor guaranteed me a certain price for shipping, which would be an additional cost so I agreed and I paid for the items and then he raised the shipping by several XXXX dollars now I could not purchase all of it at once I could pay for the XXXX bikes and one shipping and then I had to wait a month to pay the second shipping the first time I paid he sent the bike immediately and I had it within a week the second time I paid which Ive already waited an additional month for because he was price gouging me. My credit card company refused to stop the transaction and give me my money back and he refused to give me a refund so I was forced to pay the additional increased charges, despite his agreement in writing that it would be a certain amount or less so now Im waiting for my bike and it never comes so I call my credit card company again to dispute this transaction now because Ive only received one of the items they give me a provisional credit for the shipping but they tell me that the bike is a different kind of claim and Im not gon na receive a provisional credit for that and I said how hard is it to prove that he didnt ship the item very easy. He can show you the shipping information because he actually shipped it but he didnt ship the second one and now he cant because you gave the shipping money back so you wont give me the money back that you gave me the money back for the shipping so even if you wanted to cant ship it, so why cant I have the money or a provisional credit back for the bike itself if you gave it to me for the shipping which is part of the same claim so I can get another bike here now its been XXXX months and I cant replace the bike because they have my money ive called four times so far about this and all four times when I questioned them further about why would they give me the money back for the shipping so he cant ship me the bike but they wont give me the money back for the bike they hang up on me every single time
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

I had fraudulent charges to my checking account, upon me discovering this I contacted JPMORGAN Chase and they refunded the charges and fees associated with the fraud. Several weeks later I received multiple notices from them stating the charges were not fraud and they were immediately removing all funds they had reimbursed. I immediatelywent into a branch to discuss the situation and was told that because I have budget application my phone that randomly updates connected to the account they show a " log in '' into the account that they assume I reviewed all charges every time the app updated and I did not report the fraud immediately that it is no longer fraud. Now the account is severely overdrawn and they are demanding payment and threatening to charge off and report.
Consumer complaint received 2016-11-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (TX)

I had auto loan with GM Financial whom picked up the car from the storage without contacting me because the adjuster left the car at the storage. From the time they picked up the car, their reinstatement department never answer their calls, I left tons of voice messages trying to resolve the problem but they never returned ANY of my calls. next they sent me a letter of repossession asking me to pay for the cost of getting the car from the storage but long before that, I was able to get another adjuster who placed a 3-way call and accepted responsibility and stated that my insurance will pay the loan company all their expenses. After sending the repair check and estimate to my loan company, I was able to speak to a lady who gave me 2 options either GM Financial repairs my car or I can pick a body shop of my choice to repair the car. I told her that GM Financial should do the repair. 2-3 weeks later, they sent me a letter requesting the information of my body shop. I fax and sent them certified mail requesting explanations and made them aware that I personally do not see any genuinity with the way they are doing business with me. Next I know they sent me a bill for {$8.00}, XXXX stating that they have auctioned the 2008 XXXX. Till date no calls or mails was returned.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX card, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is XXXX XXXX XXXX XXXX and all those other numbers, either do not belong to me, or are outdated.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MN)

I have XXXX special term loans with Wells Fargo Financial. XXXX of these loans is set to expire on XX/XX/XXXX. I have been making my payments but only a fraction of my monthly payment is being applied to the special loan balance that will expire the soonest which is contradictory to the information on their website that states that payments are applied to balances with the highest APR and then to balances with special terms that will expire soonest. According to the phone agent that I spoke to today only {$14.00} of the {$190.00} monthly is applied to the balance that is set to expire on XX/XX/XXXX and the majority of the dollars of my monthly payment is applied that will expire in XX/XX/XXXX. I was told that I would have to pay {$550.00} to pay off the balance of {$360.00} to avoid being charged the outstanding interest set to hit in XX/XX/XXXX.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY (FL)

Former employer is making me responsible for business expenses incurred. I am not sure if expenses were due to fraudulent activity. Company would not give me statements. I sent Credit Card company payment for expenses I was responsible for. I am being told to pay expenses I DO NOT OWE. Company sent me letter if I DO NOT contest in 30 days I WILL BE responsible for amount. Please advise. Please help me protect my credit.
Consumer complaint received 2015-08-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

I purchased a vehicle and obtained a loan but shortly thereafter ran into some unexpected expenses. I fell two months behind on my payments and have received multiple calls a day at both my work and on my cell phone after I made contact with a representative of the lender and told them my situation as well as the date, this month, I intended on paying the past due amount. The calls are excessive, and when returned are often not answered. XXXX now when I have had my calls answered I 've been verbally attacked by Wells Fargo representatives. Once, I asked to speak to a superior. When I was made to wait for forty minutes and finally put in touch with someone, they hung up on me when I asked if I could record the conversation.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NJ)

I mailed in a certified letter to Experian with a received date stamp of XXXX/XXXX/16. The letter contained disputes regarding incorrect negative information on my credit report of negative/collection accounts that I would like to get deleted. According to the the Fair Credit Reporting Act, Section 611, ( a ) Reinvestigations of Disputed Information, ( 1 ) Reinvestigation Required, ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In regards to this statement, I have not received any correspondence ( electronically or paper-based ) within the last 40 days pertaining to any information on the results of the investigation and/or any information obtaining proof that the negative accounts listed on my credit report are valid. 

Therefore, under Section 611 ( A ) ( 5 ) ( a ) ( i ) : Treatment of Inaccurate or Unverifiable Information : In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

To summarize, Experian received my letter of dispute on XXXX/XXXX/16 - no correspondence was obtained via electronically or paper-based within the 30-day time frame allowed to re-investigate the claim. I even gave them an extra 10 days for any mailing that may have been sent out on their behalf. Therefore, I believe these accounts should be deleted off of my credit report as Experian did not comply with the standards of the Fair Credit Reporting Act by not supplying verifiable information within the standard time allotted. 

These accounts and their information are attached via Excel Spreadsheet.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I was approved for a loan because of doctored documentation Wells Fargo Financial submitted without my knowledge and they will not release the paperwork to me. This loan almost bankrupted me. I had over an XXXX % debt to equity ratio and should not have been given the refinance that caused me to pay XXXX a month vs. XXXX for a mortgage. They gave me cash on hand of over XXXX dollars and did it after the original paperwork was submitted. None of the checks were written to the big credit cards I had which is what they claimed this was for, a debt consolidation. Given the current additional wrong doings of the bank, I am hoping you can help me. Thank you.
Consumer complaint received 2015-04-01
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Worst bank I have ever dealt with. XXXX XXXX ( of regions mortgage loans in XXXX, Ga ) and his team had over a month and half to get my loan closed, but slacked and for some reason had to push the closing date yet again for a week. Leaving me to pay penalty costs for THEIR mistake. I was told XXXX different closing numbers, my phone calls were never answered and my emails were never responded to until days later. They did not try hard at all to get things done and all I have gotten were excuses to cover up their mistakes.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

My name is : " XXXX ( first name ) XXXX ( middle name ) XXXX ( last name ) ''. I am in the process of getting a mortgage and Experian will not report a score for me. Both XXXX and XXXX are reporting a score for me. I called Experian and after spending over 3 hours on the phone with them they can not solve this problem. The reason they are giving is that my last name only contains XXXX letter and their system can not register only XXXX letter as a last name! They even said I should I should add a letter to my last name! This is insanity and goes against every right I have as a citizen. They are basically stealing my identity by not giving me my identity. There are many people in the XXXX with XXXX letter last names so Experian is not recognizing these people. I ask that you tell Experian they must resolve this issue or face harsh consequences. Here is the rest of my information : SS # XXXX. Address : XXXX XXXX XXXX ; XXXX XXXX, NY XXXX. My date of birth is XXXX/XXXX/1988. I can be reached at XXXX. I am attaching my Social Security card and Passport as proof of my identity. Thank you for your time and I look forward to your response.
Consumer complaint received 2016-08-08
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

My partner and I applied for a HELOC with Wells Fargo Bank. We have a mortgage with another bank, but they do n't offer these types of loans and we 've been banking with WFB for 40 years ( me ) and 25 years ( him ). At the time of the application, I told WFB there was a small medical bill ( just over {$300.00} ) that I refused to pay because the company would not tell me what it was for, and it was sent to collections. The bank said that should n't be an issue. My credit score came back at XXXX, which was a surprise to me, and they refused the loan on that basis alone. My partner 's score is XXXX. 

Turns out I had another bill in collections for {$130.00} that I did n't know about, and I guess that reduced my score. My score when we refinanced a year ago was in the XXXX. 

We asked Wells to review this decision and take into account our years with the bank and the fact that my credit report shows no negative activity with any of my credit cards or other payments. I have some high balances, which they knew from the start, and we were trying to get the loan to consolidate those and reduce our payments. They still refused and said it was only because my score was so low. 

Since then, my score has gone back up to XXXX according to XXXX. I have tried calling the underwriter contact at the bank multiple times but she has refused to respond to my requests to understand why this loan ca n't be approved when we clearly have the credit, not to mention the loan is guaranteed by the equity in our home. We 're asking for a loan that equals about one-third of the amount of equity we have.
Consumer complaint received 2015-10-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (PA)

XXXX Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by JH portfolio not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls 0n XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.