davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Peter Roberts & Associates, Inc. (CT)

On XXXX XXXX 2015, I had XXXX taken at the " XXXX XXXX of XXXX, XXXX. '' located in XXXX, XXXX On XXXX XXXX 2015, I received a bill for {$91.00} from the " XXXX XXXX XXXX XXXX XXXX XXXX '' agents for the XXXX XXXX XXXX XXXX XXXX On XXXX XXXX 2015, I paid the amount in full to the XXXX XXXX XXXX. 

Yesterday, XXXX XXXX 2015, I received a phone call from a man named XXXX, employee of " Peter Roberts & Associates, Inc. '' He used the number ( XXXX ) XXXX. He claimed that I still owed {$91.00} for the XXXX I had taken. He was able to supply me with my home address, birth day, and the last XXXX digits of my social security number in order to verify the veracity of his claims. I still did n't believe him. So I called the XXXX XXXX XXXX 's medical billing department at XXXX XXXX XXXX XXXX and they confirmed that I paid my bill in full and on time. Then I called the XXXX XXXX XXXX at XXXX and they also confirmed that I paid my bill in full and on time. XXXX companies told me that they had no affiliation whatsoever with the company called Peter Roberts & Associates , Inc XXXX 

My wife and I receive health insurance through XXXX XXXX XXXX, who was the victim of a XXXX on XXXX XXXX 2015. We suspect that Peter Roberts & Associates somehow received our identity information directly or indirectly through this attack.
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I XXXX XXXX am having numerous problems with the staff and the management, at the local Wells Fargo bank in XXXX Va. I have had no income last year and this year I only worked for 3 months, I was very sick for 7 months last year and did not receive unemployment benefits even though I am legally entitled for. This year after my income trickled to a stop, I stopped by the branch numerous times to get them to close my account and they would either say they would close it or pretend to be busy or tell me I had pending transactions so they could n't close it. For example I have had penalties for a mortgage withdrawal from XXXX XXXX, even after they had sold my mortgage Since then they have been slapping me with penalties and have never closed either of my XXXX accounts even when there was a XXXX balance and they had promised to close it after I left ; and I have had to struggle with money. Please help me resolve this issue by having them remove my past penalties and close my accounts. If you contact me then I can provide you the records. But you must seize the data without letting them close the access to the data before an action is taken. I demand monetary compensation for all the aggravation, humiliation, insults and mental torture they caused me. At one time one of the staff managers refused to notarized my paperwork because he said my address was different on my drivers licence. Please help resolve this justly Thank you XXXX XXXX XXXX XXXX XXXX XXXX va XXXX
Consumer complaint received 2016-08-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I have auto pay on my car with Wells Fargo Bank. In XXXX 2015 the payment returned for NSF. WFB ( wells Fargo Bank ) continued my auto draft but every month charged me late fees more over WFB reported me late to the credit bureau. 
I would like all the late fees to reversed and the reporting to credit bureau to be corrected. I was not late for eight months! also WFB must correct all that practice for all the consumers.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

My wife and I are 1 week away from closing on a house. Our original loan estimate stated a monthly payment of {$1400.00}. Well yesterday we received the Closing Disclosure ( CD ) which stated a monthly payment of almost {$200.00} more. The lender informed us the increase is due to the inclusion of city tax which he did not include in the original load estimate and an increase in insurance premiums. My issue is twofold. First, are the lenders not required to do the proper research for the loan estimate to determine what taxes are included? They clearly did n't and according to their response, " the actual property taxes are provided with the title search and that the closing attorney gets this information directly from XXXX XXXX and city. '' Secondly, we sent the lender the up-to-date insurance numbers at the beginning of XXXX and only now have we been shown how it changed the rate. We never received a revised loan estimate. Over the phone the lender told my wife that is not something they do. Bottom line, had we known the monthly payments were going to be the CD number, we would have backed out long ago and pursued another house. As it was, it was on the top end of our budget and now its over!
Consumer complaint received 2016-02-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TN)

After recently checking my credit report, i found that Wells Fargo Financial Cards account number XXXX reported to XXXX on XXXX/XXXX/2015 that I have a balance of {$14000.00} with a past due amount of {$4700.00}. They also reported to XXXX that this account is 120 days past due. It shows a credit limit of {$15000.00}. This information is not accurate and is not true. The account has been charged off in the past and Wells Fargo is aware of it. But yet they constantly report bogus information to XXXX. Wells Fargo needs to correct this ASAP.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2023, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXXXXXX Balance XXXX {$2100.00}
Consumer complaint received 2023-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have a mortgage with Wells Fargo Bank ( represented by America 's Servicing Company ). I am filing this complaint because I feel that Wells Fargo is, without good reason, blocking my efforts to secure a modification of my loan while not honoring their part of the agreement with the government. I am a former XXXX and XXXX. My over dedication to XXXX lead to my disenchantment with the educational system. After XXXX, I concentrated on my XXXX, causing a marked decrease in income. After about a decade of reasonable success, business started to fade and I was forced to go into bankruptcy. I went from earning over $ XXXX/year to a $ XXXX/month social security check. But I only do essential spending and with a loan modificationwould be able to keep my home. I only pay for food, gas, utilities, XXXX and XXXX medications, and bankruptcy payments. I have very good health insurance. I am presently trying to develop some home based businesses. But very little income has been established from those efforts. I have no family or friends from whom I can receive financial assistance. 
For the past 2 to 3 years I have had to pay mortgage protection organizations and a law firm to help me save my home. In my search for help, I often read that Wells Fargo will be difficult to work with and would cause problems when it comes to securing a modification. When I am interviewed by orginizations that might help, they warn me that Wells Fargo might cause trouble. The person handling my case with the law firm that I hired said that Wells Fargo declared that even if I still had my retail business, the bank was still going to foreclose on my loan. Because Fargo has a reputation of putting undue pressure on clients facing legitimate hardships, is the reason why I am writing this letter. Please help!!! I bought my home over 20 years ago and have done business with other banks.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

My identity was stolen while I was stationed at XXXX XXXX, XXXX, in the United States XXXX. 
An individual residing at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX opened an account with XXXX using my SSN. I contacted XXXX and informed them that I did not live at this address and that I currently resided in XXXX not XXXX. They told me they would remove the credit inquiry from my credit report after I submitted the police report to them. 

I faxed them the police report and also submitted a dispute with Equifax about this inquiry, but about 6 months later the inquiry is still on my credit report. Equifax is also reporting this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX which puts me at further at risk for identity theft. 

I would like Equifax to remove this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and remove the credit inquiry from XXXX dated XXXX/XXXX/2014 from my credit report.
Consumer complaint received 2015-05-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Mortgage Electronic Registration System ( MERS ) shows that I have an active loan with Bank of America ; however, that loan was transferred and has been inactive since XX/XX/XXXX. I 'm in contract to purchase a home, which was supposed to close escrow on XX/XX/XXXX, but because Bank of America will not update MERS to show the prior loan as inactive, I am unable to secure a new loan.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

There is a past due of 120 days for child support and there should not be. I have a typed and stamped XXXX Child Support that I am completely caught up and paid in full. I would like to have this removed from my credit report because it is blocking me from getting a mortgage approval.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of this account, which has not been provided. Here is the account : # XXXX XXXX They always say they verified information and do not ... Please have documentation supporting this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
BANK OF AMERICA XX/XX/2016
Consumer complaint received 2015-12-08
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (MN)

I originally did go delinquent on a college loan directly with XXXX college in XXXX in XXXX. They sent it to collections and a couple of different companies picked up the debt. I paid the collection in full in XXXX. However the collection company that had the debt last moved the original delinquency date up to when they acquired the collection contract to XXXX of XXXX. It is my understanding that original delinquency date of XXXX should be the reported case.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received an email from my bank stating that there had been suspicious activity with my account. I took a look at my account online and it turned out that someone had charged over {$900.00} at a XXXX halfway across the country. Another attempt had been made to withdraw {$400.00} from an ATM using the same account that had been denied in the same general area of the initial charge. I immediately reached out to my bank and let them know that they were correct and the charges were fraudulent. I filed a fraud claim and decided to take a closer look at my accounts. Upon closer inspection, I came to realize that there had been a few lesser charges ( & lt ; {$5.00} ) on the account that I had not caught. I informed my bank of these lesser charges in good faith, under the impression that any additional information I could provide would give them a better chance of catching the individual that was committing fraud with my account. The bank initially provided my account with a credit to cover the money that had fraudulently taken from my account while they investigated. However, they have rejected my claim under the pretense that since I had not caught the smaller transactions and made them aware sooner, I was liable for any additional fraudulent charges. At this point I am out over {$900.00} with little to no recourse that I am aware of.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX # XXXX Account status charge off Date opened XX/XX/XXXX Date closed XX/XX/XXXX. XXXX Past due {$360.00} XXXX XXXX XXXX # XXXX Account status charge off Date opened XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Past {$360.00} XXXX XXXX XXXX # XXXX Date open XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$350.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Past due {$1200.00} TransUnion XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$360.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$480.00} XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} ( FCRA ) 15 U.S.C. 1681 and Following ) Creditors or collectors are not allowed to report an accurate information to your credit reports under the Fair credit reporting act. I would like all 3 agencies to remove these accounts off my report as soon as possible. And would like to receive a full report of the investigation from sub parties in original creditors.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In the course of my 11 years having a mortgage with Bank of America, the bank has looked for every way under the sun to continue to unfairly collect escrow payments for my homeowners and flood insurance. Over 2 years ago, I requested that taxes and insurance be removed from escrow, and XX/XX/XXXX, for the first time, I was able to directly pay my homeowners premium, flood insurance premium, and taxes. XX/XX/XXXX, I received a bill from XXXX for my XXXX FEMA flood certificate, which I, directly, paid in full on XX/XX/XXXX, renewing my coverage a full month before it was due to expire on XX/XX/XXXX. One week later, BofA called my insurance agent stating that I had a gap in flood coverage and they needed proof of insurance. My agent sent proof of insurance twice. Note that at the time of their query, my XX/XX/XXXX policy was STILL in effect, and I had already paid my XX/XX/XXXX renewal premium. On XX/XX/XXXX, XXXX issued me a refund check for the cost of the premium I paid, stating it was a duplicate payment. BofA did not notify me that they had sought & paid for coverage from XXXX on my behalf, nor did they inform me how much coverage was purchased, nor at what price. BofA later issued a letter to me stating that I now owe an additional {$210.00} per month escrow to cover the cost of the Foremost coverage. The coverage I directly purchased cost only {$1300.00} in total, or about {$110.00} per month. The letter still did not explain to me the details of the coverage BofA purchased on my behalf. 
Over the course of 3 years, I have now twice been wrongly charged for insurace gaps BofA claimed I had in coverage. In the first occurrence XX/XX/XXXX, I refused to pay the additional escrow until the dispute was settled. BofA collections began to call me - a 10 year customer at the time, with not one single late payment on my record - and aggressively threaten to ruin my credit over a dispute of less than {$100.00}. This most recent occurrence is the most deceptive attempt to retain my money in escrow for their use. I have worked with at least XXXX other mortgage providers in the last 17 years of home and investment property ownership, and BofA is the only one to have employed such blatantly deceptive and aggressive tactics to take more of my money for their use.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have informed you that the Account Service/XXXX Account that is reporting on my credit file is not my account. There are duplicate reportings of this same account and both of these reportings do not belong to me. Please removed these accounts from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

When I opened my ck'g accts at Bank of America , I was assured I would not be charged acct maintenance fees for the 2nd acct ... However, I am being charged $ XXXXmonth for an acct that actually protects BOA interests ... I use this acct as a " pocket money '' vs carrying cash. If my card gets skimmed, I keep only a few {$100.00} in it to be drained and disputed ... However this also protects me, also.. As the dispute process is very egregious and flawed where BOA does not have their customer 's best interests at hand ... I want the $ XXXX/mo fees that began in XXXX to be returned .... 

This brings me to my second issue.. On XXXX occasions I have disputed card transactions with BOA and instead of being my advocate, they either side with a corrupt merchant or place my resolutions out of grasp.. I want the disputed amounts refunded.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is in response to case number XXXX. I placed a complaint against Bank of America, and just got a summary of research from Bank of America. Am I really to expect that BOA would honestly and without prejudice conduct pure research into my complaint against them? Is there not an independent omsbudsman or review panel to investigate claims? In my original claim, I specifically stated that my case was mismanaged, and yet, the word " mismanage '' did not occur anywhere in the summary of their findings. Therefore, I argue that they had bias in conducting this research because of the omission of this claim. Furthermore, XXXX XXXX stated repeatedly how Bank of America wants customers " to be pleased '' with their service. Again, if this research was carried out independently, this is a statement that should not be made. XXXX XXXX stated that BOA was grateful for me paying off the loan in full, which is ironic because during the payout process, BOA " advisers '' suggested I should in fact do a short sale if I could not bring the full amount I owed to the closing. The simple fact that I am sking for {$5000.00} in forgiveness towards INTEREST - not principle mind you, but INTEREST - and BOA will not concede is frightening. {$5000.00} is less than XXXX XXXX of the BOA CEO 's paycheck. So BOA thanks me for saving them money by not conducting a short sale, but can not do any more than verbally acknowledge this point. 
In summary - I disagree with allowing BOA to conduct their own investigation as this is not impartial. They missed many facts including the main one that BOA mismanaged my account and summarily dismissed any short sale assistance because of incompetence by their agents.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all XXXX of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( XXXX, Equifax and, XXXX ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other XXXX may be similarly situated and the CFPB should track this company for other complaints.