davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TN)

Request to REFINANCE HOME MORTGAGE LOAN currently with Wells Fargo Bank , N.A . Home Mortgage Division. 
XX/XX/XXXX I contacted a Wells Fargo Agent ( XXXX XXXX XXXX ) requesting to REFINANCE my current home mortgage loan. Current Interest Loan on my mortgage is 5.625 % After several phone discussions XXXX XXXX e-mailed me XXXX " Approximate Loan Cost Illustrations '' I chose the XXXX loan cost illustrations with the interest rate of 3.500 % ( see attached exhibit titled " Wells Fargo Approximate Loan Estimate ''. ) I also e-mailed XXXX XXXX asking for a " Loan ( Rate ) Modification ''. He responded by saying he does NOT 'Rate Modification ' but " ... .understand that a loan modification is usually do n't ( done ) for an extenuating circumstance, not just to improve the rate on your current mortgage .... '' XXXX XXXX asked me to call XXXX for assistance on loan rate modification. I called this toll free number and spoke to several Wells Fargo Agents such as XXXX XXXX, XXXX " XXXX '' and so on. These agent ALWAYS hang up on me without concluding our conversation. 
I called XXXX XXXX back agreeing to proceed with the application for the Refinancing of my mortgage loan at the " Approximate Loan Cost Illustration '' showing the interest loan of 3.500 %. We both agreed on this interest rate when XXXX XXXX told me that " Wells Fargo 's internal record of my mortgage payments showed that I have been late more than XXXX-times in the last one year. '' I tried to explained to him that for years now Wells Fargo has been making successive mistakes in the way the bank apply my loan payments. XXXX XXXX terminated our conversation and transferred my call to another Wells Fargo Bank 's Customer Service toll free number which nobody answered. 
XXXX XXXX ( Executive Mortgage Specialist ) XXXX, extension XXXX I called XXXX . XXXX several times and left a message for her, with my phone number, but XXXX XXXX XXXX NEVER returned my call. ( Note : In the past, on another issue, XXXX . XXXX sent me a letter ( dated XX/XX/XXXX ) with her phone number encouraging me to call her if I have any question on my Wells Fargo mortgage. Whenever I called her, the voice message will say " I am in the office today ... XXXX please leave your name, phone number and mortgage number .... '' I was never called back. 
QUESTIONWhy will Wells Fargo Bank ( Home mortgage division ) not want to REFINANCE my mortgage? 
REQUEST. 
1. I will like to REFINANCE my home mortgage loan with Wells Fargo at today 's Interest rate of 3.500 % as e-mailed to me. 
2. XXXX APPLICATION TO REDUCE MY MORTGAGE : I requested to REFINANCE my mortgage and NOT through XXXX XXXX from Wells Fargo. Pls stop sending me solicitation for a XXXX XXXX to reduce my mortgage.
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

XXXX XXXX, ( Navient ) told me on the phone that we qualified for a reduced interest repayment of 0.01 %. I 've been making monthly payments of {$140.00} for almost 2 yrs but my principal balance continues to go up. They have promised to send me details of the program in writing on several occasions but never did. I just found out on a blog site that you have to renew every year or your loan reverts to the original interest rate. They never told me that! My original loan was {$36000.00}. After paying anywhere from {$100.00} to {$600.00} per month for 10 years, my balance is now {$56000.00}. I 'm trying to work with them but I ca n't believe anything they promise over the phone. 
XXXX XXXX Co-signer XXXX XXXX XXXX school 2007 graduate
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Convergent Resources, Inc. (OH)

I terminated my contract with XXXX cell phone services. I knew there would be a disconnect fee, but did not receive any letters in the mail or phone calls to tell me that the debt was owed. I received a call from a collection agency telling me that I owed money to XXXX. I verified with the person on the phone when I set up the first payment that this had not yet and would not be reported to my the credit agency, as I was not made aware of the debt that was owed. I was assured by the individual on the phone that it had not and would not be reported to credit agencies. This was around XXXX ( I believe ) XXXX. I pulled my credit report the next day it the delinquency had been reported. I called back, and the first person initially cancelled my payments that I had set up, so I spoke to another individual who reinstated my payment plan, but informed me that they had not been able to reach me in 15 days, so they had reported me to the credit agencies. I told her that I never received any phone calls ( as I had recently been dealing with health issues with my XXXX daughter ), and I did not receive anything in the mail. She stated that they had records of sending me requests in the mail, and there was nothing I could do. I am happy to make the payments, and set those up immediately when I was aware the debt was owed, but I was never provided the opportunity to pay the debt and make those arrangements before I was reported to the credit agencies.
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I had a care credit card, and I called in to make complaints and was basically blown off. They did not want to assist me with any complaints regarding any complaints or anything. I am dissatisfied with a service I was provided. I called in and a rep told me he had too many things in front of him to deal with me.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Carma Enterprises Inc (NV)

I obtained a predatory loan ( triple digit APR ) through Carma Enterprises / Las Vegas Finance. In XX/XX/XXXX my son of XXXX was accused of being involved in a crime. The allegation were very serious and could not be taken lightly. His defense is costing us {$10000.00} of which we paid {$2500.00} upfront and making payments of {$1000.00} a month. I contacted Carma/LV Finance today to notify them of my reason for being past due, and of my intentions of paying off the loan, or getting back on track within the next few weeks ( {$180.00} pastdue balance,2 biweekly payments ). since going past due for the first time as a customer on my payment 2 weeks ago, I have received a copious amount of collection calls on my cell and at work. Some days receiving up to two calls a day at work. Today I advised the manager that I can not receive calls at work, especially with such aggressive tactics and disregard of business operations. The manager advised me that he " did n't care if the calls cost you your job. you 're not paying me, so why should I care ''. I again tried advising the manager of my intent to pay and reminded him of my basic rights under the FDCPA, and TCPA, of which he gave no regard, and became irate, threatening to ruin my credit. 

This is predatory, and highly vindictive behavior that I will not subject myself too. Their exuberant triple digit apr and unreasonable attempt at resolution is dangerous to consumers. I can only imagine the extent of their collection practices, and threats used against other customers who are n't versed in this matter.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Dear XXXX, Equifax, & XXXX Im writing this letter in regards to XXXX XXXX XXXX on my credit report, 15 USC 1681i ( 5 ) specifically states ( A ) In general If, after any reinvestigation 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. 

The reporting agency has reported inaccurate information on my credit report from XXXX XXXX XXXX which I will state below : - My full name is incorrect - My Date of Birth is incorrect - My current address is incorrect - My previous address is incorrect - My employers are incorrect - My also known as is incorrect - My former is incorrect - Account # is incorrect - Account type is incorrect - Bureau code is incorrect - Account status is incorrect - Monthly payment is incorrect - Date opened is incorrect - Balance is incorrect - No. of month terms is incorrect - High credit is incorrect - Credit limit is incorrect - Past due is incorrect - Last reported date is incorrect - Last payment date is incorrect - Last 2 years of payments are incorrect Sincerely, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

i had a account with usaa bank along with my daughter well there was fraud on my acct so what they did was close all the accounts in the mean time they will not let my daughter get her money out of her acct because of the fraud on my acct in the mean time we have no money and asked if we could get the money out and also my son in laws money is going in there they want to hold the money for thirty days we need the money they say they take care of there own which is a lie
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (NH)

I made a payment of {$24.00} to Diversified Consultants on/around XXXX/XXXX/XXXX over the phone. No action was taken until XXXX/XXXX/XXXX when they withdrew {$630.00} from my XXXX XXXX XXXX Bank account resulting in my account going negative and accruing an additional {$30.00} fee from the bank. When I called Diversified Consultants and asked for a refund they declined with hostile treatment.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Credit card has been denied on multiple recent occasions, and caused me to incur a {$10.00} fee with my gym for a failed monthly payment, likely due to issues with the bank 's conversion of my XXXX credit card account to a XXXX card account. My XXXX credit card ( " MC '' ) has been denied multiple times recently though the bank 's representative I called and spoke with on Monday, XXXX XXXX, confirmed that I was not delinquent ; she said the payments had apparently been declined for incorrect expiration date submissions. She confirmed the expiration date on my XXXX was the correct XXXX on file. I explained that my gym notified me that the monthly gym membership fee ( which the gym has been deducting on the XXXX of every month for over a year from my MC using the same card number and expiration date ) had been rejected and assessed me a {$10.00} fee and that other payments had also been rejected recently, including a payment for an XXXX purchase ( prior to the recent rejection XXXX had successfully processed payments using the stored MC information on multiple occasions ). I suggested that the payments had been rejected due to credit card conversion issues at USAA : my MC credit card account is being converted to a XXXX credit card. I 've been issued a new XXXX card and was told the XXXX would be good until late XXXX, but several payments have been rejected well before the disclosed cut-off date. The agent said all she could see in the system was the reason for rejection of my payments for incorrect expiration date. I asked to lodge a complaint with USAA since I was concerned my issue could signify a more systemic issue with the credit card conversion but the agent said all she could do was make a note on my account. So far as I know, I have only incurred a single {$10.00} fee from my gym and merely suffered inconveniences for other denied payments, though other consumers may have endured more significant harms.
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Integrated Recovery Services (CA)

On XX/XX/2016 I received a call from someone who called herself XXXX XXXX from Integrated Recovery Services at XXXX. It was about my brother-in-law, XXXX XXXX. I told her we did not want to be contacted anymore about my brother-in-law. We are well aware of his poor financial choices, and do not choose to be a part of his downward spiral. She called back three times in the next five minutes and tried to lecture me about my attitude. I would like to file a complaint because one time was all it should have taken before this woman stopped calling.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo is refusing to drop PMI. In their response letter they stated, " A new appraisal will not be taken into consideration '' and " the original amortization schedule will be used. '' I feel this is unfair and deceptive. I was under the understanding that once my loan-to-value reached 78 % and or 5 years of on time mortgage payments I would qualify to have this extra charge removed. 

I have never missed a payment, nor been late. I have an impeccable history of payments and want help fighting the removal of PMI. 

To add, my loan is a FHA loan and refinancing is not an option at this time.
Consumer complaint received 2015-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Integrated Recovery Services (GA)

I have been receiving phone calls from an XXXX number. They leave an automated message asking to call back XXXX, informing me they need a legal statement from me and failure to do so will result in them collecting my wages, employment, and liquid asset information. There is no mention in the message of the person 's name or the company they are calling from. I have not received anything in the mail from this company trying to collect a debt. I do not want to call back because I have read more than several bad reviews about these phone numbers that they are scam artists threatening the person they call and relatives.
Consumer complaint received 2015-08-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IA)

I have a mortgage through Wells Fargo VA loan and it is currently in a suspended foreclosure status right now. I missed a couple of payments but immediately contacted them to explain the situation and look for help. I was assigned a " specialist '' who literally did n't help us resolve anything. I eventually contacted the company customer service and worked with just about anyone willing to help me to learn what documents I needed to send it to get the process moving along. All in all- I am on the XXXX specialist. I ca n't send in any payments. I get a run around at every turn. The debt just keeps growing. I have been TRYING to work with them since day 1. Contacting them, sending in documents, taking phone calls ... .than being given a new specialist all over again. I am currently XXXX payments behind. Unable to send in new payments. And fighting to keep my home, but I do n't know our rights. Our current specialist will not give me any information of someone above him to work with us PLEASE HELP!
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc. (CA)

I XXXX XXXX and my partner XXXX XXXX attended a time share in order to retrieve free gifts promised to us. We were told we would receive 3 days and2 night free stay if used within a year at the Wyndham resorts in XXXX XXXX XXXX. It was my spouse and I anniversary. We declined to purchase any time shares due to refinancing our home and necessary upgrade to our home. We expressed not interested in what they were offering. Declined all offers presented to us. They already had our photo IDs per the sign in process. They did ask for us to fill out a brief questionnaire about our finances and occupation. It did ask for ssn. We provided our information on the sheet but never authorized to be signed up for anything. After declining we were told to go to the website or call to book the room to redeem voucher we received. This company took my information and created what XXXX XXXX  stated to me there was a credit account opened asked did I want a card to be mailed. I wasnt sure what she was talking about. I asked her was this a credit card, loan, credit line. She was not able to see what type of account it was so then I started asking more questions in regards to when it was open and where did they mail correspondence to and realize that the actually mailed correspondence regarding the collection to a wrong address. The address on my photo ID is not my current address. They use that address to send some thing there had I not went to my mothers old home for rental property. I would have never known this account was open it says vacation club credit account she mentioned that it may be a point system, so I tried reaching out to Windham. I was unable to receive any information in regards to this account. It does not specify that we purchased anything at all. I would attach the bill the collection bill that was mailed to the wrong address. I am not at all responsible for days. This is zero liability on my end, because I did not open this account and I would like for this to be removed off my credit. 
I looked up and research on XXXX about timeshares and what they do to people like myself that is unaware about everything and they swindle you and persuade you and make you feel like oh youre gon na get something free, but end up tricking you into something completely different after declining multiple times They should have known I was not interested so now I am very upset and irate. I filed a dispute with XXXX XXXX and they did research, but it came back that I need additional information which I do not have because again we did not sign up for anything. We only retrieve our free gifts for restaurants and the voucher for the free three day two night stay.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

I order from XXXX XXXX order on XXXX and the driver did not deliver it to me. It was delivered to the wrong address. I was communicating and trying to get her to the correct address and she still delivered to the wrong address. I have proof of this order and XXXX more of where I was over charged and was supposed to get refunded and they refused.
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (VA)

I have received XXXX " NOTICE OF JUDGMENT '' for XXXX unpaid parking citations in City of XXXX through the law firm named Linebarger Goggan Blair & Sampson, LLC. The letter contains wrongly accusation, scary threats, and stressful. I have never owned any XXXX Vehicles listed in the Citation. I did n't travel to City of XXXX on the Offense Date or Year. I have no clue where these citations came from and why I keep getting these harassment!!! 

My daughter had left many messages at the provided number XXXX but no responses. I 'm a senior person. I ca n't tolerate this wrongful accusation any longer. If I have a XXXX XXXX, my children will seek justice for me through the legal process.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.