davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (TX)

My son 's Wells Fargo Student Loan went into default without contacting me. I have asked for all the loan documents but they just send me a copy of a copy of the loan request and some bills they said they sent. I have asked for all of the paperwork and documentation but they do n't send anything with who the loan Officer was or where it was done. I am totally XXXX out and confused on this since they say it 's default yet I 've been paying but they said they changed the account number and it is for $ 15,000+ dollars but they loan should be for like {$5000.00}. I think they rolled an additional loan on to an old one. Now my credit is shot and I 'm still paying. Why wo n't they send all the documentation or help? I have asked and asked but the give the same answer. It is so sketchy, if it is really legitimate why not send what I 'm asking for? I would n't mess up my credit like this ever. I just got a regular loan bill in the mail, it 's like they 're trying confuse me by sending different letters from different people days apart and still the bill that shows a payment of $ 10.+ due.
Consumer complaint received 2021-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (WY)

My daughter wanted to use my XXXX account to buy some jeans in XXXX 2014. What wound up happening is that the signed her up for a Paypal account in her name, without her consent. They collected her email, phone number, and DOB. They offered her deferred payment and interest. She is XXXX and does not have a job.
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc. (NV)

Keep getting calls from Windham Professionals to collect a debt from XXXX XXXX. We have called the number XXXX as the message states to indicate we are no the party to discontinue the calls but they ignore the pleas.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Company violated the fair debt collections practices act by implying that the debt had been sent to an attorney. After notifying them if the violation they removed the comment from my file where they stated it has been sent to an attorney, verifying guilt. Item should be removed. 

They are trying to collect more than the debt amount listed by the original creditor, not because of fees or interest, they just have the wrong amount listed. This violates the fcra. The item should be removed. 

They sent me an unsigned blank binder as verification of the debt. They are verifying the debt with a blank document. This is fraud. The item should be removed. 

I never opened this account, this item is the result of identity theft. As proven by the unsigned blank binder that they are using in an attempt to fraudulently verify the debt. The item must be removed.
Consumer complaint received 2016-03-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation (TX)

I have a loan with Southern Finance located in XXXX XXXX I have never been over 30 days late on the payment. We advised the manager XXXX and the other worker XXXX that I work overnight. When we were not able to pay on the due date or before they would call that is expected. I have a sleeping issue and I am not able to go back to sleep if I am disturbed so we wrote a letter and she dropped the letter off at the office in the drop box in XXXX prior to us making our XXXX payment XXXX XXXX came due. they started to call. On XXXX XXXX they called my cell phone before XXXX! I was very angry. I got into an argument with my wife about it. But then she told me that she did drop off the letter. She called the office immediately and we spoke to XXXX and XXXX confirmed she got the letter.We also discussed the payment. I have a very XXXX and they woke me up I had less than 5 hours of sleep I cant be doing that. I XXXX. I will honor my bill. sometimes I need to pay late and cant predict the exact day but it will never be over 30 days. I just cant have them calling my cell phone during the day they can call my wife now ... I mean they always could but she just started to work and I need to be late sometimes. but not 30 days she has been upset about this I am not sure of my balance but I will pay it off soon. I just aint have about it. I hurt my hand that day and I just ca n't have someone waking me up I have a harrd time Me and my wife talked about it and decided to have me turn off my phone during the day but that just wont work cause I have drivers that need to be able to get in contact with me by text for emergencies. so I need your help Please let me know what I can do so they wont call my cell phone. anymore sometimes I just got ta get my sleep please let me know thanks you
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo servicer of my mortgage invested by XXXX continue denying a fair review of my Request for a Loan Modification submmited basis on the " supposed '' fact that my mortgage is affordable, when is NOT. WF did not consider on affordability calculations, property tax payments ( do it by myself ), home insurance ( do it by myself ), HOA and Cluster ( both do it by myself ) as part of housing cost. When I include total housing cost my back to debt ratio is more than XXXX
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

When I first signed my mortgage with Wells Fargo it was NEVER explained to me that although I had a fixed mortgage rate that it could possibly rise every month due to a shortage of funds in escrow or because my insurance premiums went up. In XXXX, the mortgage went up to an additional {$89.00} a month to {$1300.00}. In XXXX, the mortgage went up another {$53.00} to {$1400.00} with no explanation ( I ca n't find any documentation online, nor did I receive anything in the mail ). So that 's a total of {$140.00} since I first signed my mortgage agreement and that is ridiculous.
Consumer complaint received 2016-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Continental Services Group, Inc. d/b/a ConServe (IN)

Conserve first contacted me at my place of employment in XXXX 2016. I work in XXXX and can not accept personal phone calls at my desk. I specifically told the person that called that day to NEVER contact me at work again, and that I would get in trouble if they continued to contact me at work. I also gave her my personal phone number for all future contact. Since then, I have filed for a Student Loan Consolidation. Conserve is aware that I have filed for consolidation as they sent me a letter stating they had received a copy of my application from my loan servicer. Nevertheless, they continue to call me daily, and have called at least two more times to my place of employment. ( XXXX and XXXX ).
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I have been refinancing XXXX home mortgages. The mortgages are currently with Wells Fargo, and the refinancing was to be through Wells Fargo. The process was started in XXXX, when interest rates were near their all time lows. I was given a rate lock in at that time. They failed to process the loans in a timely fashion, they claim because of a large volume of loan applications and not enough staff to process the loans in a timely fashion. When the loans were being processed, they could not get the HUD correct XXXX XXXX HUD had a closing cost of {$49000.00} XXXX. This required extension of the rate locks, which I have just been informed, incurred a cost to me for the extensions. 
Additionally, they are refinancing XXXX loan at the original equity balance present when the process started, and are not giving me credit for over {$4600.00} in principal that has been paid since inception of this process. Therefore, on XXXX loan, the closing costs are {$3900.00} but the real costs are in excess of {$8500.00}. This problem is in addition to the previously stated lock rate extension costs they have added to the closing costs. This, to me, is a bait and switch. 

I am supplying documents for XXXX loans. The primary residence AND a XXXX residence
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

My daughter asked me to co-sign an auto lease. I was informed that both the dealership, XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX and the leasing company would be doing inquiries on my credit report. I do n't object to the inquiry by the leasing company since I have a contractual relationship with them. There is no similar relationship with the dealer, who is an agent of the leasing company. Consequently, I object to them requiring a copy of my credit report.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

On a few separate occasions I have disputed with all XXXX credit bureaus Equifax, XXXX, and XXXX pertaining to a credit card with XXXX acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.
Consumer complaint received 2016-04-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I rescinded my loan mortgage XXXX XXXX, XXXX because I did n't have my disclosures my original lender out of business Wells Fargo the mortgage servicer ignored letter of rescission instead filed documents for illegal foreclosure 3 months later. I send 3 different letters requesting validation of debt via USPS with returned receipt which they totally ignored instead kept sending letters to my home with different amounts owed.
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CA)

I received two emails today from TrueAccord XXXX XXXX regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXX XXXX 

I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. 

It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. 

The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I have submitted a Complete HAMP Loan Modification Package to Wells Fargo on XX/XX/2016, through my 3rd Party.Wells Fargo received the XXXX Page submission on their Fax No. : XXXX. They confirmed receipt of this Package.I am attaching a copy of the same, for your ready reference. As you can see from there, I am fully eligible for a HAMP Loan Modification. 
However I am surprised to learn today that Wells Fargo declined my Loan Modification saying that : " There is no change in my financial status '' What do they mean by that? Do they want me to lose my job or what? First of all I was never reviewed for HAMP and I am told there is no such condition in HAMP. Are they free to do whatever they want? Have n't they signed up for HAMP and if so, is there no regulator who is overseeing them, for the proper implementation of HAMP guidfelines?
Consumer complaint received 2017-02-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (VA)

Promotion advertised to open new account. 
Went through all the steps and at then end it checked my identify and asked me to answer questions, and somehow system were not able to identify me. 
Bank system took me to another page asking me to upload XXXX form of IDs to verify identity, once that completed, I was sent a confirmation that I will hear back from the bank soon. 
After a month or so, the Bank denied opening my checking account, telling me that they ca n't verify my identity thus they ca n't open my account.
Consumer complaint received 2017-02-10
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I was n't sure which category to select -- this is regarding XXXX -- trading. Of course after sending a total of {$80000.00} I finally figured out that this company just takes and takes and a person can never win. I asked that the taxes I paid be part of my account and they gave it to me as a " bonus '' - total {$42000.00} -- which I can never get back unless the money I lost is recovered which I read never happens. Read they were a scam. My account is now down to {$3100.00}. This was my retirement ( IRA ) money and their talk was good to get me to 'enroll ' by sending in the initial {$250.00}. They are unrelenting in asking for more money. I did no trading on my own until I was down to about {$5000.00}. Their trader ( s ) did it for me prior to that and I 've lost nearly everything. Their were XXXX different transactions/funds sent to XXXX. Any way to recoup?
Consumer complaint received 2016-08-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

I am not understanding Wells Fargo has done with my money I have sent to them. 
It seems I have too much due and I am frustrated with this procedure. 
I want to include a copy of all payments sent to Wells Fargo this year. 
Something is not correct.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated (CA)

To whom it may concern, I am disappointed with the work that the company does Eppic cards, looking at my accounts note many irregular transactions that notify and dispute, waiting for a solution from your fraud department, your results have been very negative and unprofessional, I asked for evidence that was never sent to me and they offered it themselves, I want to do an investigation and their work is more efficient to the favor of their clients, it is too stressful to look at amounts collected rather high and only receive a letter with its inefficiency. I ask for more professionalism from this department.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I deposited a check into Wells Fargo Bank and was told that funds would be available the very next day. However, Wells Fargo is holding my funds until the XXXX/XXXX/16. When I spoke with their agent I was told that they would not have funds available to me because the other account in which the check was issued from had not cleared for the account to be available for use. The check was in the amount of {$4000.00} and {$0.00} is available. After learning I went over to my HR personnel only to discover that the funds had already been released and cleared on their end. Subsequently, I called Wells Fargo and was told that any available funds would only be available at the disgression. I feel as though WF is in violation of XXXX and is holding my funds based on the racial/ethnic content of my name.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

I recently received a Chase Amazon Visa card in the mail. I had not requested this. I contacted Chase Bank to have the account cancelled and the inquiry removed from my card. Chase was unable/unwilling to provide details on HOW the account was opened, but their fraud department indicated I would be contacted by an investigator shortly and the issue resolved within 30 days. It has been over a month, no contact has been received and the inquiry has not been removed from my credit. Furthermore, Chase still refuses to tell me how the account was opened in my name.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Equifax has deleted all of my many years of credit history. I am XXXX yrs old and have have credit history for about 30 years or so. This is really hurting me on my credit score and want them to recognize my credit history. For example, XXXX, the Equifax competitor, is currently reporting me as having 19yrs 9 mos worth of credit. It is actually more than that, but this is acceptable to me.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

Awhile back, on XX/XX/XXXX I locked my keys in my car and I contacted a locksmith. He overcharged me XXXX. I knew he overcharged me because later that day when I came home from work, I contacted other locksmiths and they only charge XXXX at the most. I contacted my bank, Chase, and I told I was completely unhappy with the service I received, and they first offered to give me credit. Well.. today I received a letter stating they are in favor of the locksmith.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

An identity thief fraudulently opened an XXXX XXXX credit card account in my name. {$10000.00} was charged to the card with no payments. I noticed via review of my Equifax report ; I contacted XXXX XXXX, filed a report with the FTC and a police report, and disputed the account on the Equifax report. Equifax denied the dispute.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CT)

I have had this credit card since XX/XX/XXXX. I never had a dispute until recently so I never knew the credit card practices. 

XX/XX/XXXX I rented a car XXXX. The quote I received was for {$710.00} ( attached ). I expected to pay that amount when we turned in the car in XXXX. 

However, the car rental company started to charge my credit card at odd intervals, so it was difficult to determine what was happening. 

Here are the charges XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX disputed these charges but Chase Bank did not advocate for me. I am the customer and Chase Bank should require their merchants to honor their quotes. Is n't that what credit card companies are supposed to do? I do not know what to do next. Please advise me. Thank you.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (VA)

I have been trying to get a freeze on my report lifted from Equifax for 3 weeks, I had no problem getting the lifted with the other XXXX agencies. Equifax has refused to let me lift it online where I placed the freeze, they have given me the run around when I call, telling me to call back in 1 hr because they ca n't help me because they are doing a system update, when I call back later they tell me the same thing - they are having a system update and can not help me. I am so frustrated I want to scream. They have also refused to give me my free annual credit report. They have caused me significant distress and problems as I have been unable to obtain utility services for my XXXX residence because of their refusal to lift the freeze. Please help.
Consumer complaint received 2017-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC (MI)

RVOLAW.COM HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A XXXX WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX I got divorced in XXXX, OR I have never remarried and as of XX/XX/XXXX I am still associated with my ex husband social and address. I have attempted to have the information corrected over the past 15 years and I never see changes and I give up. Not this time. 

Another address was only a holding address while I moved I need it removed and all the credit bureaus report it. 

I have a judgement that I never received any information on and now I am not able to rent an apartment because of the judgement. I would like more information on suing the apartment complex for this lien. 

Federal Trade commission needs to reform the Credit Bureaus because data is not updated and people are done being XXXX by these reports.
Consumer complaint received 2021-07-15
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. (CA)

I had an account with XXXX, and I owed {$2500.00} when the account was closed. I did not have the money to pay it or to even make payments on it at the time. So, they sent it to XXXX XXXX XXXX XXXX. I've talked to both XXXX and XXXX XXXX in an attempt to get an itemized bill showing the charges they claim I owe. Somehow, they have the idea that I owe them {$4500.00}. To this day, I have not received a breakdown of the charges, or proof that I even owe this debt. XXXX XXXX offered me a 50 % discount, but they would not remove it from the credit report. I don't want to pay more than I have to, and since both companies have continuously violated my FCRA rights, as well as the credit bureaus stating that it was " verified, '' I haven't been able to resolve this issue in an acceptable manner.