davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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: CITIBANK, N.A. (GA)

CFPB Case # XXXX Citi XXXX XXXX - CreditCard This letter is followup to the above case, it is relevant because this case is new since Citi just place the changes on XX/XX/XXXX. In XXXX Citibank entered delinquencies on my credit card account, even though the account was involved in fraud. Citibank had incorrectly changed my billing and email addresses. They sent my billing statements with {$20.00} due to the wrong address ( in another state ) for 4 months. When I finally received the bill I immediately paid the {$20.00}. They also billed me {$150.00} in overdue charges and fees. After much discussion one group dropped the charges but another sent in 3 - 6 months delinquencies on my account. This amounted to my credit rating being dropped over 70 points and the marks against me being on my credit record for 7 years. 

After receiving correspondence from the CFPB, Citibank rectified the issue and on XX/XX/XXXX the credit Bureaus corrected the problem. My credit rating raised to over 800 ( Excellent ) - which is what it had been for years. 

On XX/XX/XXXX Citibank resubmitted the original false delinquencies to the bureaus and my credit rating was reversed to the 700 's ( good ). XXXX  reviewed my file and the letters from Citibank to remove the delinquencies. They contacted Citibank and Citibank again refuses to correct the problem. 

Please help. I need next steps. Do I have recourse?
Consumer complaint received 2016-06-17
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: AR Resources, Inc. (FL) (VA)

The option was n't there, but I was n't communicated with at all that 's my issue. No calls no emails no letters, and k believe it 's really unfair that it just goes to collections. It 's like ruining someone 's life, I want proof of call attempts and letters sent to my house before debt was put on credit score?
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (CA)

This debt does not belong to me. The collection agency J H Portfolio told me that this item has been removed from my credit report But, XXXX says they have not. I would like them to provide proof that this item has been deleted from my file.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

XXXX was originally debt collectors and account was sold to XXXX XXXX. XXXX sent a letter to me XX/XX/XXXX stating that they ceased all collection on behalf of XXXX. The account was later sold to another debtor which is XXXX XXXX. I have attached credit reports from XX/XX/XXXX showing XXXX was the current collector and now in XX/XX/XXXX was sold.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

i send a letter to ENHANCED RECOVERY COMPANY to dispute the validity of alleged debt in the entirety of {$830.00} from the creditor known as XXXX for an alleged disconnected mobile service.My specific dispute with ENHANCED RECOVERY COMPANY alleged debt is based on the fact that i only have 1 month service to XXXX.I am requesting them that the following information be supplied ; a detailed description of the service for which this alleged debt is owed ; an itemized description of how the alleged debt was calculated ; and copies of document showing that i agreed to purchase any product or services to XXXX they did not send me any letter about this alleged debt i only know this when i check my credit report.
Consumer complaint received 2017-02-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

I received medical services that resulted in a hospital bill and physician bill. I was told by my insurance company at the time that I only owed the deductible and co-insurance, which I paid. 
XXXX XXXX XXXX XXXX Number : XXXX Member ID Number : XXXX XXXX described my benefits and how much I owed for the services. They covered 90 % of the bill & 10 % was my responsibility. They told me that I owed my deductible and co-insurance payment which totaled {$230.00}. Please see the attached paperwork confirming that I paid what my insurance company said I owed. 
Furthermore, my insurance company claims that they never received a bill for these services and required an itemized bill in order to make payment. Despite my efforts, it seems that this never happened, and I do not feel that I should suffer for something that was not my responsibility. 
These services were covered under my insurance and were n't my responsibility. I request that this account be deleted and removed from credit. I have done everything in my power to reconcile the charges that I was responsible for and do not intend paying charges that are not rightfully mine.
Consumer complaint received 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My problem is with Wells Fargo who is the bank for my FHA mortgage loan. I was out of work due to layoffs and tried to get them to work with me on a modification. They lose my papers many times and will not let me work with a XXXX speaker. Finally after many times they tell me I am approved for a trial modification. I make my trial payments but then I never receive a permanent plan. I try to make my payment and they will not take it. I try to find out what happened and get no answers. I ask for XXXX speaker so I can know what is happening but they won't give me one. I keep trying to get help but they ignore me and start me to foreclosure. I have good job at XXXX for last 20 years and my son lives with me and works also and helps. We also have a rental unit and my mother helps with her SSI. We can afford to make a mortgage payment, but Wells will not let me go through review for the FHA help programs for homeowners. 

I buy my home in XX/XX/XXXX and then go into an FHA refinance with Wells Fargo in XX/XX/XXXX. That was during the recession and I lose my job for a while and things are very hard. I have a rental unit but that was vacant at the time and also my son who helps me now was not working. So I missed some payments then I began trying to get help with a modification or partial claim or forbearance plan. I apply many times and they lose my paperwork and tell me they did not receive the information. Then later they say I don't make enough money to get help. When I try to find out more or get a XXXX speaker I get no help or explanation. Finally I apply and Wells finish the review and approve me for a trial modification. I make the payments on time and wait for the permanent plan. But this never comes. I try to call Wells to find out what the problem is and once again I can't talk to a XXXX speaker. I get no good answers because I made the trial payments on time but then I don't get permanent. 

I have lived in my house for 13 years and have a good job working at the XXXX and I have my son living with me and contributing plus money from my mother 's SSI and rental income. I have enough money to make a mortgage payment but Wells will not take money from me unless I pay all missed payments. I want a plan or modification so I can get caught up on my missed payments and start fixing this problem. I feel like I am being ignored by Wells Fargo and that they want to foreclose on me instead of help me or work with me.
Consumer complaint received 2016-04-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

My loan documents clearly state that as the loan was opened with a primary loan there are no annual fees, This is at least the 3rd time now that Santander Bank attempts to charge me a {$50.00} fee which then causes me to have to spend hours explaining to them that my loan should not have a fee.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

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 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 2015-06-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I have tried for several years to get access to my free annual report from Equifax. Each time it fails and they do not allow me access to my credit report. If I go to a paid site I am easily able to obtain my Equifax credit report information. Equifax is illegally stopping me from getting my free credit report and has done so for years. The other XXXX reporting companies have no problem with providing my report only Equifax and only when it is free.
Consumer complaint received 2018-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Ad Astra Recovery Services Inc (OR)

Hi, I took out a payday loan for about {$270.00} from XXXX XXXX here in XXXX, Oregon. The date was XX/XX/2013 I paid them back within 2 weeks and they never credit my account. I went to check my credit report and they don't have a copy of my payment and they sold the account to Ad Astra.

Ad Astra Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX Account # : XXXX I never had a contract with Ad Astra, they don't have my records and I can't understand why they are there on my credit report. I have called numerous times and they just give me the run around. 

XXXX XXXX
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I SUBMITTED TO TRANSUNION 3 TIMES AND THEY ARE NOT REMOVING AND KEEPING UPDATING THE STATUS DATES. ALL THREE COLLECTIONS ITEMS ARE INCORRECT AND NOT MINE. I 'VE REQUESTED PROOF FROM THEM AND NOTHING HAS BEEN SENT!
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

I went to XXXX BMW in XXXX XXXX to purchase a car. I found XXXX I wanted and I also had an older XXXX to trade in. I worked out a deal with the dealer that they would pay off my loan for my older BMW for {$12000.00}. I got my payment numbers down to a number I could afford after the trade in etc of the old car ( {$510.00} ). I went into the finance office to sign off on paperwork. He offered me of course several extra options for warranties etc, all to which i declined bc i could not afford more than {$510.00} per month. He showed me on his computer the XXXX, and if i added anything it would be {$560.00}. again, i said no to anything extra bc {$510.00} was already the high end of my budget. So he printed out paperwork and I signed, not reading the fine print, of course. So I get my bill in the mail, and it is {$560.00}. I looked at the fine print of my contract and I notice that instead of paying my old car loan off, they only paid {$10000.00}, and added the extra {$2500.00} ( my balance was XXXX ) to my new loan. Thats interesting, and dishonest. Do n't tell me you are gon na pay it off then sneak the rest of the money u did n't wan na pay into my new loan. So, i call there, speak with managers etc, and of course all they say is, well you signed the paper. Yes the paper that was supposed to say all the things we agreed on verbally XXXX minutes before you printed them out. This place is a joke. What can I do?? I ca n't pay {$560.00} a month.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

This account has been illegally reaged. I first found out about it when I attempted to lease an apartment and was declined. Most complexes go back about 2 years however, this particular company shows up as being recent XXXX XXXX. I have not lived at that apartment in almost 2 years and I first started receiving calls about the debt XXXX XXXX. So now every time my credit is checked I.Q. Data comes up as being recent and it is not recent.
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (KS)

I am XXXX and Sallie Mae knew this and in a matter of XXXX8 months moved my loans to collections and have been harassing my co-signer daily- All my other loan providers are on board with me.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

We filed Ch XXXX Bankruptcy in 2013 and included our Wells Fargo credit card in the bankruptcy. They are reporting it in the notes as a bankruptcy but are also illegally reporting a {$12000.00} balance which should be XXXX after the discharge of the bankruptcy. SEE ATTACHED DOCUMENT
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (UT)

I was issued a check from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The commission check in the amount of {$5000.00} U.S.D. was deposited into my J.P.Morgan Chase Checking Account on XX/XX/XXXX. The Check Cleared the XXXX XXXX and the funds were available on XX/XX/XXXX. No Problem.

On XX/XX/XXXX I notified the XXXX Branch Bank Manager XXXX XXXX that there was Fraud on my Chase Checking Account in the Amount of {$5000.00} U.S.D. That there was an International Debit-Online Transfer that was not authorized and this was a Fraudulent Transaction. I closed the checking account that day with XXXX XXXX and opened up a New Checking Account with Chase on XX/XX/XXXX. I have since been put into International Collections and there has been no proof from J.P.Morgan Chase as to where the funds were transferred to? No copy of a wire transfer confirmation. Nothing showing the routing information for the proof of where the funds were sent. Chase is claiming that the check from XXXX XXXX XXXX was returned for NSF. I have been in constant contact with this company who I have done business with for over twenty years and they have confirmed that the check was cleared on XX/XX/XXXX from their account and their Bank has never requested the funds be returned or have they ever received any funds back from this Fraudulent J.P.Morgan Chase Transaction. No One at Chase seems to care where the funds were wired to or if they were received and by who? I have a long email string with XXXX XXXX-Chase and XXXX XXXX-XXXX XXXX who has produced two documents from their bank Desjardins showing the check was cleared and processed on XX/XX/XXXX. I need J.P.Morgan Chase Bank to return the Funds I have in the closed checking account along with the fees I have incurred from other banks for missed automatic payments that have been set up on the chase checking account. I have had this Chase checking account since XX/XX/XXXX with no problems. And as soon as I do have a Fraud Alert for them they have no interest to help me and that is why I am asking for your help. Thank You. XXXX XXXX.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

I was banking with Wells Fargo from XX/XX/XXXX to XX/XX/XXXX. One day i went to my account to withdraw money to find out my money was gone.. I was told that I deposited at check for XXXX and i withdraw the money.. i repeatedly told them i have n't took anything or deposit a check. They told me they will investigate the situation, and to call back in 5 business days. I called and i was told they could not talk to me about my account, something will come in the mail.. nothing never came, i have written all types of letter and still nothing. I went to open another account and they had a nerve to report me to XXXX. HOW?? THEY TOOK MY MONEY AND THAN LIED.. please help.
Consumer complaint received 2016-04-13
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

Note : This Complaint was also filed through the Federal Reserve Form. They claim it will be forwarded to you. 

I have attached copy of a Check that a 6-8 week hold was arbitrarily placed on, claiming internal policy. 

Persists in placing 6-8 week hold on a Home Equity Line of Credit without clear cause and appears to be extremely arbitrary and contradicts Regulation CC in several ways. Refuses to Disclose Policy on Home Equity Line of Credit Checks, claiming they are convenience checks-not true. My Name, address, Routing #, Account #, and the name of the institution, ( XXXX ), clearly on the check. Also, Manager claims convenience checks immediately go into collections. No minimum timely release of funds as required by the Regs according to my interpretation. In reading Wells Fargo Policy in this area, it pretty much aligns with the Regulations, just not in implementation. 
Depending on whom you ask within Wells Fargo determines the many contradictory responses you received. ( Customer Service, Manager, District Manager, and now waiting on Executive Services for their take on this issue as they too were confused. 

From Reg CC ; ( 2 ) Basis for determination ; " No determination under this subsection may be based on any class of checks or persons. ''
Consumer complaint received 2018-06-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I mailed a dispute letter along with a police report and Affidavit of Fraud to Experian credit reporting agency regarding some accounts that were not opened by me. There was a fraud alert placed on my credit file on XX/XX/XXXX, however the accounts I disputed were never investigated as I requested. 

On XX/XX/XXXX I spoke to a representative at Experian, she informed me that the accounts were never placed in dispute, she then claimed to have put both accounts in dispute while I was on the phone. 

On XX/XX/XXXX I called and spoke to XXXX in the fraud department at Experian, she informed me that the XXXX XXXX acc # XXXX opened XX/XX/XXXX, was placed in dispute, however was an automated verification stating that information XXXX XXXX have in their system match the information that was reported, therefor Experian left the frivolous information as is on my credit report. 

XXXX also stated that the XXXX XXXX acc XXXX opened XX/XX/XXXX account was never placed in dispute as i requested on XX/XX/XXXX and on XX/XX/XXXX. XXXX also state that she was able to locate my police report and the ID Theft Affidavit i sent to them however she doesn't know why the accounts were not previously investigated in XX/XX/XXXX.
Consumer complaint received 2018-05-10
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. (GA)

I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period. 

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.
Consumer complaint received 2016-09-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

I applied for a new mortgage loan with XXXX over a month ago and have been denied due to the fact that Wells Fargo refuses to delete references to " bankruptcy '' and to take off an old statement from me regarding payments under the bankruptcy as being paid according to agreement ( Ch XXXX that is ). My Chapter XXXX was filed in XXXX 2006. It has been well over 10 years and Wells Fargo refuses to delete these references. XXXX, a company that works with lenders to correct credit reports conferenced me in with Wells Fargo TWICE in their attempts to have Wells Fargo correct these over 10-year old references to bankruptcy and Wells Fargo has flat out refused to do so. I would like to see them penalized with a maximum penalty and by whatever the law allows.
Consumer complaint received 2018-05-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX and XX/XX/XXXX a representative from Capital One Auto Finance called me by the name of XXXX. He would call, let the phone ring and when it stopped he would call back right away. He did this three times in a row and would leave a message. This happened on the two above dates. 
On other instances Capital One would have representatives call and leave a message and then call back two more times within one to three hours after the message was left. I contacted Capital One through e mail to advise of those instances. 
I called Capital One today and advised them of the how XXXX was making his phone calls and that it seemed harassing. 
I advised the representative that I would be filing a complaint with the Federal Trade Commission and with the XXXX XXXX XXXX so there would be a public record. 
She did say she would get this taken care of and have it looked into. She offered to transfer me to the office of the president for Capital One. I advised her that it would not be necessary since I sent an e mail on the first instance and had a voice to voice with her. I advised I was filing this complaint because I had already contact Capital One about leaving a message and them making two calls afterwards and then this happened.