davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (WI)

I have a Wells Fargo Credit Card. I have made small payments the past couple months due to some other financial obligations. I do pay well before my due date..which is the XXXX of XXXX. I paid for the month of XXXX on XXXX/XXXX/15. Wells Fargo requests a minimum amount due, which did n't meet. I received a letter from Wells Fargo last week and called the number on the letter the following day. I explained to the agent I had every intention of making larger payments and paying this card off asap and that I had always paid on time. 
The agent was not only aggressive and hostile towards me, but he was relentless. I finally hung up after attempting to assure them I was making regular payments that were on time. 
I have also paid off {$6000.00} of this card over the past 8 months or so ... which is clear evidence of my good faith in making payments to get the balance down. Then today, the Human Resources department where I work brought me a message they had called them. This is completely unacceptable that they are calling my workplace. I am the XXXX to the XXXX XXXX XXXX where I work. The tactics Wells Fargo is employing constitute harassment. Today I called XXXX again and explained my payment history, my timely payments, and good faith intentions to begin paying between {$500.00} and $ 1000 monthly on this card in XXXX. Yet they continue to be aggressive and relentless towards me. I will no longer tolerate this. I will no longer be accepting any phone calls -they need to stop contacting my employer -- and all further communications need to occur via the mail. 
They need to CEASE AND DESIST from this harassment. I am making timely and regular payments ... and demonstrate every good intention of paying down my balance.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I had my U.S. Bank account closed because of a check being deposited. This check was from my previous apartment owner for a returned deposit. I no longer have access to my account online or at any atms and can no longer deposit or withdraw. My account had money other than that check so I dont know why a hold would be placed on my whole account. I was told I can go into the original bank I opened the account at however this is inconvenient. I have never not been able to access my account nor given a reason as to why my account is frozen.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (WA)

I started received mail a few weeks ago intended for different parties. I have no credit relationship with the other parties. I checked the credit report from Experian and under " Personal Information '', it lists a " known by '' name as XXXX. This is not my name and has never been my name. I have birth certificate as prove and official Department of State documentation. I attached XXXX documents which include credit report, and the mailings I received from institutions that use Credit Agencies. The names are those of my parents ( however, I can not conclusively state it is not a coincidence that the XXXX names on the envelopes are my parents who live on the other end of the country ) and have no association with this residence, nor do we have credit or business relationship.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CT)

I 'm filing this complaint because Experian Has ignored my request to provide me with documentation that their company has on file that were used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) under the FCRA, they are required to promptly deleteall info that can not be verified. Please resolve this matter. Thank you
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I had a trip booked to XXXX XXXX and the merchant I made lodging arrangements was unresponsive to my cancellation requests when needing to cancel to flights being cancelled amid COVID-19 pandemic conditions. I started a dispute and was credited this amount immediately. My stay was booked for XXXX XXXX and I filed my dispute and attempted my cancellations prior to these dates. My dispute charge was recently re-billed to me and upon inquiry I was told a letter was sent to me for response after the merchant wrongfully claimed I attempted to cancel after my booking date. This letter for my response during the dispute never reached my and a representative from Capital One and Visa never attempted to inquire about my response either. Now both companies are claiming the window has closed even though the merchant falsified information in my dispute case ( something my credit company itself admitted now ). I am now responsible for this charge for a service I was completely unable to use due to both travel restrictions and the hotel itself being closed. I have also been informed on a recorded line by the card company that they may have not sent me a letter requiring a response so I have had no chance to ever defend my position in this matter. My last interaction resulted in the representative telling me the Hotel is likely trying to take advantage of both me and them by falsifying information and somehow this is still now enough to refund me.
Consumer complaint received 2015-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ONLINE Information Services, Inc. (SC)

Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

this account not below to me and it affect my credit XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX also this accountXXXXXXXX XXXXAddress : XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number:XXXX .... i need to be removed from my credit report I paid completed the account
Consumer complaint received 2015-08-19
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Recovery Services, Inc. (OK)

XXXX XXXX, with Southwest Recovery Services, has been calling my work for months now. She 's been asked several times by myself, my co-workers, and my managers to stop calling me at work, as I do not take personal business calls. My job is to answer a very busy phone line, and I do not have time for chats. 

When told this, she gets insanely unprofessional and begins arguing, stating that she has ever right to call me at work. It has escalated to XXXX to XXXX calls per evening now. This is insanely unprofessional and uncalled for, and I need it to stop. 

On my personal cell phone, I get upwards of XXXX calls a day from her company.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Ii have been struggling to resolve ID THEFT FRAUD TO NO AVAIL FOR LONG LONG TIME.. I am Unable to Access my account on line due to a Severe Hand Disability.THEREFORE, I am requesting ( Special Needs Options ) for the XXXX. Please provide Written Documentation of all Fraud Reports from XX/XX/XXXX thru XXXX XXXX. USAA IS ON LINE BANKING ONLY FOR ME. I HAVE NO ACCESS TO THIS INFORMATION ANY OTHER WAY. Please include written documentation of the resolve.
Consumer complaint received 2015-10-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (FL)

On XXXX XXXX, XXXX Cavalry Portfolio Services LLC ( CPS ) filed a complaint against me. They served me on XXXX XXXX, XXXX ( docket is attached ). I filed a Notice of Dispute requesting debt validation into the court record on XXXX XXXX, XXXX. I never received debt validation. I filed my Motion to Dismiss on XXXX XXXX, XXXX after requesting an extension of time to respond. The Plaintiff 's attorney filed paperwork into the court record without providing me any copies on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the Plaintiff filed an Account Settlement into the court record without my receiving or agreeing to it. A hearing was set for my Motion to Dismiss on XXXX XXXX, XXXX. Prior to that I filed a Motion for Leave to Amend the Motion to Dismiss on XXXX XXXX, XXXX because there was new information I found. At the hearing on XXXX XXXX, XXXX, I informed the court that it had no jurisdiction over me because the complaint was filed XXXX and I live in XXXX. I also informed the court that the Plaintiff lacked standing because the Bill of Sale and Assignment of Loan attached to the complaint stated that loans were sold to Cavalry SPV I , LLC ( SPV ) and it did not identify me or any account of mine. CPS and SPV are XXXX different entities. CPS is from XXXX and SPV is from XXXX. The Plaintiff 's attorney told the judge that if she granted my Motion to Dismiss, the Plaintiff would be unable to file a new lawsuit because it would be outside of the statute of limitations. Incredibly, the judge allowed the Plaintiff to be substituted on XXXX XXXX, XXXX! It is not my fault that the Plaintiff lacked standing because the attorney named the wrong Plaintiff. Furthermore, the Plaintiffs have never validated any debt to me nor provided any assignment of a debt contrary to XXXX Statute XXXX. I timely filed my Objection to Substitute Plaintiff on XXXX XXXX, XXXX and requested a hearing, which still has not been heard. My Amended Motion to Dismiss will be heard on XXXX XXXX, XXXX. This debt collector has affected my reputation by having a complaint against me since XXXX which was served in XXXX. These debt collectors had no right to sue me when they never provided to me any debt validation including loan level documents, contracts, terms showing the interest changes, how the amounts were calculated, who the original creditor was, etc. 
The court is permitting this debt collector to change the party suing me almost five years after the lawsuit was filed. It is not my fault that this debt collector has faulty records and does not know what it is doing and who it should sue. I do n't understand how a Plaintiff can be substituted after more than four years in a lawsuit. The Plaintiff was conceding that they had no right to sue me as CPS and requested that the court allow them to continue to harass me by permitting the change of Plaintiff.
Consumer complaint received 2015-09-26
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PNC Bank N.A. (IN)

I included a debt of XXXX mort for XXXX on my chpt XXXX bankruptcy against pnc mortgage a few mos ago I ran out of money defaulted on chpt XXXX now am getting a collection agency call me hound me for XXXX and mail me letters I am going tgo rsume my chpt XXXX in a month I want them t stop harassing me
Consumer complaint received 2016-12-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MD)

I sent Wells Fargo a certified letter on XX/XX/2016 for validation and proof of the account that they 're claiming that I had with them for a auto loan. Wells Fargo has failed to provide me with the necessary information proving the burden of proof that the account belongs to me within the XXXX days by law that is allowed by the FCRA. They 're reporting twice on both XXXX and XXXX for the same account but with different amounts and XXXX using the name Wells Fargo auto finance and the other using XXXX Services. This is totally unacceptable and against the law and a violation of the FCRA.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TN)

1. XXXX XXXX XXXX # XXXX-Date Opened wrong-should be XXXX-thereby changing Status to be removed in XXXX 2. XXXX- # XXXX-Status date to going positive should be XXXX-as dated opened shows XXXX but actual date for rate modification was 3 years after this date. It took 2 years to receive this change. Change status - goes to positive to read XXXX. 
3.XXXX XXXX Paid and closed-over 10 years old REMOVE 4.XXXX- XXXX XXXX-Paid and closed-acct XXXX years old-REMOVE 5.XXXX- # XXXX-Paid and closed -over 10 years old-Remove 6. XXXX- # XXXX-Acct paid and closed-over 10 years old-REMOVE 7. XXXX XXXX XXXX XXXX # XXXX-Date opened XXXX-transferred-closed -REMOVE 8. XXXX XXXX # XXXX-Paid and closed -Old 10 years old REMOVE 9. XXXX- # XXXX-Paid and closed-old REMOVE 10.XXXX- # XXXX-Paid and closed-10 years old REMOVE 11. XXXX XXXX XXXX # XXXX-Old paid and closed-10 years old REMOVE
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

I filed a complaint with cfpb a few months ago regarding my lender Wells Fargo not working with me in order to get mortgage assistance and/or payment arrangements. Well I lost my home as a result and now they are blocking assistance to do a short sale on the home. XXXX they authorize the start of the short sale in XXXX, but then did not release it out of modification until XXXX XXXX, 2015. Wells Fargo assigned a consultant XXXX XXXX, who would never return my phone calls. Once I was able to speak with XXXX we agreed to proceed to do a short sale IN XXXX 2015. Me and my agent XXXX tried several times to contact XXXX to release from modification status and failed to reach her. Left XXXX messages to do so and finally XXXX XXXX, 2015 my account was moved from modification status to foreclosure status BUT now the sale date is XXXX XXXX, 2015. Wells Fargo made it impossible for my agent to list it as short sale and now due to Wells Fargo lack of communication and lack of action, we now only have 2 weeks to proceed with the short sell. Also, I ask about the HAFA program because I heard about it from a friend and was given the run around. Wells Fargo unprofessionalism has caused me to possibly miss out on taking advantage of doing a short sale as well as the XXXX program. I ca n't tell you how frustrating this process has been. When I initially contacted Wells Fargo I was behind XXXX month ( XXXX ) {$710.00} and was in the next month ( XXXX ) which could have been paid and a payment arrangement for XXXX could have been made. I was told they would not accept that because it was a partial payment, they do n't accept partial payments. Instead it was in modification until XXXX at which point I could not afford the {$6700.00} past due amount.
Consumer complaint received 2023-02-15
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: Chime Financial Inc (PA)

Bank account on my XXXX credit report isnt mine but in my name. This account is used as fraud and isnt the account Im currently using. I disputed the account previously XX/XX/XXXX and re disputed the account as of today XX/XX/XXXX because of a increase of my credit I noticed XX/XX/XXXX.
Consumer complaint received 2016-10-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Newman, Hesse & Associates, P. A. (KS)

I unknowingly wrote a bad {$40.00}. check for groceries at a very prosperous business ( and still is ) 18 years ago. The first collection agency had the case from XXXX to XXXX. The second collection agency has the case currently since XXXX. I live in Kansas. They garnished my check in XXXX, but I had to be at home for personal reason and had to quit. First, they contacted me at my place of employment, which they deny. I answered the phone at work, asked my name. I asked who they were, and they hung up on me. It was a number from their same city of their business. Then I get notice that I 'm getting garnished not even a week and a half later. I did not receive notice of right to dispute this amount. No time of hearing. All I received was notice that they went to court and got approved by the judge to garnish. I called them, and they informed me that they have renewed the case every time they were supposed to keep it from being time-barred. XXXX and XXXX They did not keep within the time allotted to renew. It went dormant. XXXX Kansas law allows a recovery fee charge, court costs, up to 3 times the original amount of the check, but it can not exceed XXXX. They are taking out the maximum amount from my check every week. 25 %. The amount they are telling me I have to pay is {$1000.00}, all from a XXXX dollar check. I believe the amount they are making me pay, and leading me to believe I cant dispute because " the judge granted them that amount '' is outrageous, and they already have taken out atleast XXXX from me. I have XXXX children to care for. This is insane.
Consumer complaint received 2017-03-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I am a salesman for a local roofing and construction company out of XXXX Florida. We are also our own financial company. A customer of mine entered the suntrust bank on XXXX XXXX, in XXXX Florida to get a copy of their bank statement to show proof of income for our financing. The manager ( I did not get her name, but she is a XXXX woman in her XXXX ) refused to give them their statement, insinuated that we were a fraudulent company directly to me and my customers, then attempted to steal my deal by suggesting that they should n't finance with us, and to have her write the loan. I find this extremely unethical. Not only did she kill my deal, she did so to benifit herself. A lot of people depend on us to be able to do business unhindered by outside parties with ill intent. These jobs feed the families of our employees, and her actions have made it harder for us to accomplish that end.
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

I have pictures to support my claim. Suntrust has charged me overdraft fees on settled positive balances. On XXXX XXXX, I had an ACH payment and credit card payment that has been posted on my account on the XX/XX/XXXX, but they have, on their end posted it as a pending transaction and moved a payment that was done on XXXX under the posted XXXX payments. 
I was told by the manager of Suntrust that this is a practice of theirs. To move the higher items, even though they are not posted under the lower items that are posted, and directly above deposits to pay those first. As a result, I am paying overdraft fees on items that were not overdrawn on my account. The bank manager told me that this practice is legal and how they do their banking. This ca n't be a legal practice moving items in our accounts to get over drawn payments. No way this is legal, but they told me they do this to all customers. I was warned from a coworker not to do banking with them because they do this and now I wish I would have listed. They did this same thing last month and I was given back my over drawn payment. They refuse to take those overdrawn payments off my account. I will be closing this account. Please help! 
I am sure they have been doing this all along now. Now I understand why when I check my account and it 's good then I check it again and it is overdrawn. They are moving items around in my account to get money. This needs to stop.
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NCC Business Services, Inc. (CA)

I went to apply at an apartment complex 1.5 months ago and they made a mistake and stated this debt XXXX from another apartment complex ( which I never owed anyway ) was still on my credit as unpaid ... later I looked at the credit report copy she gave me about 3 weeks later and it stated it was discharged in the bankruptcy and my father already paid this debt. And NCC lied and stated it was not included in the BK and I know they were notified last XXXX 2015 that it was, I wrote them 15x and the manager said he would refund my fathers card and he never did. I have proof of all documentation and even the credit report ....
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Reported identity, theft, and fraud to chase bank beginning in XXXX, and have filed identity theft with FTC. I am now in a homeless shelter yet Chase Bank continues to allow fraud to continue when I do not even have the debit card. This is in multiple thousands of dollars I have spoken with customer service over phone and in bank.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Billing disputes — 
Company: SUNTRUST BANKS, INC. (NC)

Paid my Suntrust credit card in full and on time. Suntrust says is was late and fined {$20.00}. Contacted Suntrust to disagree and spoke to several supervisors about issue. Fee became larger and larger to {$180.00}. Then had this reported against my credit, which no supervisor ever mentioned. Have now paid {$180.00} ( which was reduced to {$110.00} with credits from collection agency ) in full but still have credit issue. Credit score was 845 before Suntrust debacle over {$20.00}.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ORG GC GP BUYER, LLC (MA)

About 6 months or 7 months ago i received a called, from A company called GCS Services.Its regarding my student loan.And they said, this is a debt collector, they asked me for my name : And i said, why? what is this is about. They told me, they would help me to get out of Default, after 6 consecutive payments.And i agreed, even set up a payment plan for {$84.00} every 28 monrhts of the month.The last payment was on the XX/XX/XXXX of XX/XX/2017, next payment is the XX/XX/XXXX {$84.00} On XX/XX/2017 US DEPARTMENT OF EDUCATION , sent me debt collection Bill for {$84.00} i decided to contact them regarding my bill.They said, they we n't sure or what i was referring too. And also all the money i was paying GC Services, they are not Aware of anything. I was so devastated by the news. After all of my effort, and hard work to have the Funds on my, account on time. This generate alot of stress and frustration on my behalf.