davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo has charged me for attorney fees and filing fees due to being late on my mortgage, however there was no need for an attorney. Wells Fargo says that they paid attorney fees in the amount of {$2000.00} and I have requested an explanation and proof that of these charges. After approximately 4 months from the initial request for more information, I was sent a letter stating they reviewed the information and the charges are correct. They did not provided receipts to show that anything was filed against me as they claimed in XXXX Parish ; etc. They will not take the charges off of my account. 

First let me explain a little history. I became delinquent on my mortgage because of a reduction of hours at work. I contacted Wells Fargo in XX/XX/XXXX. Supposedly the " foreclosure process '' had begun however I paid the account in full on XX/XX/XXXX to XXXX XXXX XXXX ( attorney ) including the proposed attorney fees. Wells Fargo would not receive my payment and I had to pay the attorney directly since they had my file. My mortgage statement the following month stated my account has been reinstated. I was even credited for attorney fees that were paid but not used. See attached supporting document PDF XX/XX/XXXX. 

Unfortunately I found myself in the same predicament a year later in XX/XX/XXXX. I was again behind and I called to see what was the exact amount I owed to catch up and I spoke with a representative who told me my account had not yet been sent to collection and she gave me an EXACT amount to pay to get the loan current. I told her the exact date I would be sending the payment, she noted the account and said to call the day I send the payment to be sure the quote was correct. I did call and confirm the amount to send and sent them a Certified Check from my bank account for the amount that was required. There was never a mention of attorney fees or any additional fees to be charged to my account. The amount I was sending would bring my account current. 

In the past, when the account is sent to the attorney, XXXX XXXX ( the attorney ) will send a letter and you MUST pay the attorney directly. You can not submit the payment to Wells Fargo. I paid Wells Fargo directly in XX/XX/XXXX. My XX/XX/XXXX mortgage statement has this printed " AS OF THE DATE OF THIS STATEMENT, WELLS FARGO HAS NOT MADE THE FIRST NOTICE OR FILING REQUIRED BY APPLICABLE LAW FOR THE FOR THE FORECLOSURE PROCESS. '' The account was paid in full on XX/XX/XXXX. The attorney fees do not show up until the XX/XX/XXXX statement and no one can tell me exactly what these charges are for and show proof of payment. Please see PDF supporting documents XX/XX/XXXX and XX/XX/XXXX respectively. 

I have checked XXXX Parish Courthouse records and no filings have been initiated or recalled against me since XX/XX/XXXX. 

There was not any contact with an attorney regarding the delinquency in XX/XX/XXXX. Therefore, how can I be charged for services?
Consumer complaint received 2018-07-13
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. (MI)

In XX/XX/XXXX my ex spouse requested to take her name off of a joint account ending in XXXX at the Chase branch in XXXX MI. The Chase branch manager said that by her doing this it would remove her access to my account. I was the primary holder. In XX/XX/XXXX I  was alerted to an approved electronic funds transfer being allowed out of my account to pay a Chase card ending in XXXX. I immediately alerted the Branch management team and they indicated that somehow my wife was still being allowed access through her own online portal to that account. I filed a claim for XXXX dollars the total amount of transactions Chase allowed from Ex spouse to transfer from the account to Pay her " Chase Credit Card ending in XXXX. I spoke with multiple resolution specialist who all agreed that I should be reimbursed as it was Chase error that they failed to shut down her online access to the account ending in XXXX that she was removed from in XX/XX/XXXX. After multiple attempts I was furthered directed to a person by the name of XXXX from Chase executive team who assured me on XX/XX/XXXX should would refer my matter to her legal team for review and final decision this was on an a recorded line. She called today and XX/XX/XXXX and indicated that even though Chase messed up they were treating as a fraud case and not an Chase error. And even though the Chase Electronic Funds Money movement team did transfer my funds to pay my exs spouse Chase card ending in XXXX She could had stolen my info anyway and paid it, so and I quote, " it was my responsibility to catch it! '' Are you kidding me!! If Chase didn't allow the online access to a customer who voluntary removed themselves from the account ending in XXXX the funds to transfer would have never of happened this is not fraud, this is negligence and So how is it my responsibility to make sure Chase as a banking institution in not allowing their customers who are not on an account to transfer funds from my account after they ( Chase ) initially told me taking the person off of my account would shut down the access to pay their credit cards in another person name!! It's pretty Ironic how they were ok with their own negligence because the authorized funds transferred they moved were to pay a Chase credit card. This is not Fraud its completely unacceptable and they need to step up and correct the error they allowed. I also have pictures of my ex 's portal with Chase still allowing her access to this account.
Consumer complaint received 2018-07-13
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: Clarity Services (TX)

Clarity Services AKA XXXX. Has been posting fraudulent inquiries on my XXXX  consumer report. I have not ever applied for any payday loan, nor allowed you to inquire my XXXX report. You have over 30 inquiries on my XXXX  report these are damaging my XXXX score. I am a victim of fraud. I did not grant you access to my reports, and I want your inquiries to be blocked / deleted from my XXXX  report. XXXX  states you verify these but you are verifying addresses I have never lived at. XXXX  has blocked these. Clarity services refuses to put any security freezes on my reports, and refuses to delete their inquiries that I did not authorize.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (TX)

To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MA)

I recently found out that I had a " 60 day late '' on my loan. This came from when PNC bank took over servicing my loan from the previous company. I have always been an auto pay customer with perfect credit. The PNC takeover undid my auto pay, and due to a mix of poor communication and confusion, my first XXXX payments with PNC were " missed. '' The second it was clear what happened I talked to an agent. She said that she understood the situation, that these things happen, and that there would be no late fees ( I took this to mean we were all set and I was in the clean ). I immediately sent an electronic payment for three months worth of the mortgage and set up a new auto pay. Throughout this whole period I had about 20-30 times the monthly payment available in my checking account. 

Once I discovered this issue I went though a couple of unhelpful calls with the bank before being told I had to submit my story in writing to request a goodwill or courtesy adjustments. I submitted a long letter documenting the whole story and showing my auto payments in the months before they took over and after. I also shared with them my account balances throughout this period. It would be clear to anyone who took the time to read or think what happened and that this whole situation was confusion over auto payments. 

After about two or three weeks they replied to my XXXX page letter full of documentation with a XXXX sentence form letter that offered no indication that they even considered my case. They simply denied my queries and declared the case closed. 

Their communication through the period has been horrific and the complete inability to talk to anyone who has anything to do with the credit agency reporting extremely unhelpful. I ca n't say enough bad things about them. I am a sophisticated person with a XXXX and no actual financial problems at all. I ca n't imagine how they must abuse and take advantage of other folks who are no so lucky and do not have the time or resources to pursue complaints. 



sent an electronic payment for three months worth of payments.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Membership Fee issue with Citibank Membership Annual fee posted of {$350.00} on XX/XX/XXXX for citi prestige credit card. I called citi on XX/XX/XXXX to downgrade card to a no annual fee card. Per their policy I should get a full refund with 30 days of fee posting. I downgraded the card to a citi preferred no annual fee card. This was confirmed the same day. 

On XX/XX/XXXX I called citi again because the membership fee was still not refunded-almost a month since I downgraded cards. They said I had to wait another 30 days for the fee to be refunded. In the mean time I was charged a late payment and interest for the {$350.00} membership fee. 

The membership fee was refunded {$290.00} on XX/XX/XXXX at only a prorated amount. 

I called on XX/XX/XXXX to inquire about this. They said they will send a request up the chain. 

I called again on XX/XX/XXXX to get my full refund but after 30 mins they again offered to send a request up.

Citi has taken months and has not given me the full membership refund.
Consumer complaint received 2019-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (AL)

In XX/XX/XXXX, XXXX XXXX Services began calling my wife about a debt owed in the state of Michigan from a doctor visit on XX/XX/XXXX. We used to live in Michigan but moved in XXXX. We have not traveled back to Michigan since moving. I explained to the company that the debt was not ours since we have not lived or visited the state in nine years. They continued to call and send communications that we owed the debt. Each time they said they sent us an itemized bill, which they did not, and talked to the clinic who corroborated it was my wife. I asked for them to send me the bill, but they never did. I didn't hear from them for five months and then they sent a communication in the mail. I called back and was told the same thing as before. Each time I explained it was in error, they either hung up on me or said it was our debt. This last time, on XX/XX/XXXX, I was sent to a supervisor, but she has not called me back. This debit is not on our credit report. Each time I tell them this, they hang up. 

My wife gave a presentation in Alabama on XX/XX/XXXX. I have debit and credit records that show us using it in Alabama. They don't seem interested in any of that. This debt is not owed by us and we will not pay it. It's in error but XXXX is not interested in the truth. I would like them to stop calling and harassing us. 

I have attached the mailer that they sent. Also attached is a record of my debit card activity that shows my and my wife 's card activity on the day before the visit, the day of the visit and the day after. Which shows we were not in Michigan at the time of the clinic visit.
Consumer complaint received 2019-01-31
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: EQUIFAX, INC. (FL)

From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely unacceptable.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

Ditech has continually misallocated my monthly payments. After each occurrence I contacted the company to resolve the issue. I was continually told they would fix the problem and make sure future payments were allocated correctly. Yet the very next monthly payment was misallocated. Due to these errors, my payoff amount was incorrect and I overpaid. Ditech said they would investigate the problem and if I was owed any money they would send it in 30 days. They made an error yet they hold my reimbursement money hostage. 

The misallocated funds occurred in XXXX of XXXX, XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. Regular payments were applied to additional principal and any extra principal payments were applied to regular monthly payments then I was charged late fees, interest, etc. because the full monthly payment was not paid. 

There were also months that I did not receive my monthly statements. I had to contact Ditech to get a statement in order to have a voucher to send with my payment. 

My escrow was calculated incorrectly and misapplied as well. Ditech said they could not send me a corrected escrow statement when I asked for it. I never received anything stating the error was corrected. 

When my monthly payments were applied to additional principal, I was told by Ditech, that I had made the payments 1-3 days before the payment was due so they applied it to principal since my account was current. However, in the past I had made payments every two to three weeks and there was never a problem. If their policy is to apply all payments to principal should they be paid 1-3 in advance of the actual due date, they should have informed me ( the consumer ) of this change in policy. However, they did not. They continued to misallocate the payments despite my numerous attempts to rectify the problem. I even spoke to supervisors and was told someone in a management position would contact me to discuss the issue. This never happened. No one ever contacted me. 

Ditech customer service is extremely poor and they are not interested in resolving problems. Yet they are quick to add late fees, etc. and to take your money and keep your money despite their errors.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2019 I was notified, by the credit fraud alert that a account was placed on my credit profile with a company XXXX. I have been a victim of Identity theft, and the credit report notifies me everytime someone trys to or, has opened a account. I put this alert on my credit report due to the fact that my roomate had stole personal indentity information, and has been using to open up diferent lines of credit in my name. I filed a police report, and reports with the FTC IC3 and, my local police department. I do not understand how this account was opened because it clearly states in all three credit reports to reach out to me to verifiy any new accounts being open. My roomate stole my information from my home while he was still my roomate last winter in XXXX to be correct. He was using my identity from XXXX to I do not even know for how long as, I have to keep checking my report. I can not belive this is happening to me, and never thought that someone could be as, heartless, and uncaring to do something like this. The event I do not know where it happen I only know when he took my information was tiime he was kicked out for not being able to pay his rent.I have reached out to XXXX, and have tried to file this report like three times now and, it keeps not going through. On the XXXX claim website, and everytime I call I just get transfered around. Also XXXX wants me to show them my ID and, I do not feel ok with this as, I am a victim of Identity theft. If they do not have a copy on file of my ID then pretty much they know it was not me opening up a account. The credit report companys told me to file a police report, and so I filed reports with local police ftc ic3 and, I told each company to put a block on this account as, it was not mine but, they failed to do so, this is against FCRA rules my credit is not something I want to be incorrect, as this makes me look bad, for jobs credit ect.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I paid my account thru the company 's website before it was due but 30 days later i got notice that they never recieved my payment. This happened 2 times thru their website and has given me 2 late pays that are damaging my credit and i'm unable to get the best interest rates. I have tried correcting the problem with the 3 credit bureaus but not had success. Please help
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

My complaint lies more with XXXX who never sent me a notice that a bill was due. They sold their information that was inaccurate to a debt collector XXXX. I did not find out until XXXX 2016 that XXXX was requesting a payment from me from the debt collector. I called XXXX and discussed what occured on the account with me canceling service and transferring service from my old employer to me. They informed me that it would be taking care of since it was XXXX error. They gave me a reference number XXXX along with the employee name. I asked if they were going to contact XXXX and make sure this was not reported on my credit bureau. XXXX indicated not to worry about it they would get it corrected and recall it from the collection company. I received notification in XXXX that a collection had been reported to my bureau in XXXX 2016. I contacted XXXX and spent 2 hours explaining what occured again! I was in the process of getting a HELOC and business loan this dropped my score over XXXX points. I had to postpone XXXX due to the drop in my credit score. All due to XXXX miskake!! They never sent a notice to my residence or tried to get a hold of me before sending it to a collection company. They claimed they sent the notice to my employers billing address. This could of been avoided if they would of called or sent a notice to the service address on record. XXXX billed me in error due to their employees mistake and even continued to do so after telling me they would correct the information in XXXX of 2016 giving me a reference number. They have informed me that I need to contact XXXX to discuss obtaining a letter and getting it removed. This is the worst experience I have ever had with a company and they do n't seem to care about the issues this has caused me personally due to their incompetence.
Consumer complaint received 2019-01-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Cycleone Financial Group (FL)

On XX/XX/XXXX/2016, I was excited to go in and look at motorcycles. I entered XXXX XXXX XXXX XXXX XXXX in XXXX FL. Prior to this i looked at inventory online and saw what I wanted and didn't want anything else but this XXXX XXXX XXXX sports bike. I sat with one of the sales guys and he told me I was approved and that my loan would be for 2 years. I was so excited about this I was not even thinking, i was signing away paperwork. The bike in the dealer was in the amount of {$5900.00} with dealer fee and tag title, came out to XXXX. I gave a down payment of XXXX. I have had my bike for 2 years and I am still making payments on this bike. I asked the place Cycleone Financial,  where i send my payments when i look at my documents they had me sign a Lease document on a used bike that had 32,000 miles on it, on the paperwork it states it had 18,500 and that is wrong. When i am finish paying this bike it would total {$14000.00}. If i would have known this i would have not bothered to take the bike. This bike since i took it out the dealers lot has given me problems, non stop. I asked and i was not able to even trade my bike in for another bike, i wanted to because the bike was giving me to much problems, i was denied that opportunity for a trade in. I was blind sided due to my excitement, this bike is not worth XXXX, not even with interest rate would this had come out to that much. My bike has been to a shop over 6 times in 2 and half years. I take very good care of it, its a passion I have but all these issue is uncalled for. When i first took it out all the lights were coming off, I had to use my warranty for a starter the 1st year. Thinking it was leased when I found out you would think they would let you get into something else especially when they automatically put you on a lease without you knowing. the paperwork from the dealer itself has my sisters social. Not on the one being attached. Motor has been replaced as well, like come on! I am really really upset.