davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (NJ)

Based on the below facts, Simon 's Agency 's claim is fraudulent. This account needs to be completely removed from any credit bureaus. <P/>Simon 's Agency has failed to provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Verification that this debt was assigned or sold to collector. 5. Complete accounting of alleged debt. 6. Commission for debt collector if collection efforts are successful. 7. FAILED TO PROVIDE LEGAL RIGHT OF SUBROGATION OF DEBT Simons Agency has not provided the legal right of subrogation of debt. A subrogation will not be allowed to the third party as it is only entitled to the insurance company. <P/>The insurance company would have the right of subrogation. A debt collector here Simons Agency can not have the right of subrogation because they are " a mere volunteer '' to the situation. SIMON 'S AGENCY had no loss. This is a case of insurance fraud by the original creditor because they got paid by the insurance company and sold a paid debt to a 3rd party. <P/>If XXXX XXXX XXXX ( XXXX )., charged it off, it means they wrote it off on their tax returns and received a tax credit so they got paid twice and then sold the debt. This is a case of INSURANCE FRAUD and TAX FRAUD. N.J.S.A. 12A:3-305 Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( Federal Debt Collectors Protection Act ) which says " nothing in this title ( FDCPA ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). N.J.S.A. XXXX XXXX, XXXX XXXX without information or knowledge sufficient to form an opinion as to the truth or accuracy of SIMONS AGENCYS claim , and based on that denies generally and specifically SIMONS AGENCYS claim. <P/>ANY FURTHER MAILS OR THREATS OF THIS ALLEGED INVALID DEBT WILL BE SENT TO MY ATTORNEY FOR SUIT.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

paid my capital one credit card bill in full but they keep declining my business partner XXXX XXXX card for every transaction. I took time out my day to call and waste hours on the phone. They said it was because new cards were ordered at first. Its been days later and they are still doing what they did at first. Anytime he pays for something online they cancel the transaction after its paid and he gets alerts from companies saying his credit card company flagged him for fraud. The first time this happened was at XXXX for a company phone case so he didnt break his XXXX, which he ended up breaking the XXXXXXXX XXXX because of capital one. Now his phone messed up which cost another XXXX  to replace. Then after that he tried buying a chest ( deep ) freezer. Due to news reports of Coronavirus food shortages. We have XXXX kids together and we were trying to ensure our family didnt run out of food. That was the second time the blocked his card and when I called. We ended up missing out on the deep freezer and pre ordered one that wont come in XXXX. I pray the country dont run out of food due to cap one taking most of our money during a shutdown then refusing to let us spend the balance we paid ( we can afford food, but dont have the space to store extra just in case due to their actions ). After this my daughters dad / business partner ordered a item for {$170.00}. Once again capital one voids the transaction and canceled it. Im tired of them doing this so Im about to file complaints with every agency against their bank. If they continue I will sue them in court. Im not asking ur agency to be my lawyer, I need a mediator so their XXXX representatives dont keep having me on hold hours asking the same stupid questions wasting my time and life I cant get back. This bank capital one are thieves. They still time out your life you cant get back and I want it corrected at the executive level with my account of Ill have a federal judge force them to stop. This is regarding the spark card from cap one.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP (NY)

- Key Bank & Covid -19 in NY - Once I heard XXXX stating 90 day mortgage Were not exempting people from the mortgage payments. Were just adjusting the mortgage to include those payments on the back end. The measures will be reassessed at the end of the 90-day period, XXXX said ( 1 ). 
I decided to look into this with my mortgage holder Key Bank, due to loss of work from covid 19. I spoke with a representative an she stated they would freeze XXXX an interest would still accumulate during those 3 months, there wouldnt be any late fees or any damage to my credit score. This individual then went on to state the 3 months would just be tacked on to the end of my mortgage term. This was great news so I decided to opt in an the rep went on to state that they would send me something in the mail an to not pay attention to it as it just their system generating the mailer notification an this was something special this freeze that Key Bank was doing. 

I then received the mailer an decided to open it an it had completely different info then what the rep told me, with things being in writing vs a phone convo I decided to contact Key Bank to be assured what the rep told me over the phone. The guy I spoke with told me they are doing forbearances an not doing extensions an that they would expect me after 3 months to pay a lump sum of the 3 months missed. I told him that I was told something completely different by first rep an asked how can they expect people who need a freeze to pay everything in one lump some right after a freeze. This program was not in the best interests of its customers to help them during these unprecedented times and that I was lead to believe. Once finding out that they werent freezing three months and tacking them on to the end of mortgage term ( which is what I was told by first rep ) I asked to be removed from this program an go back to paying my mortgage. This is a hardship for me with loss of work an lack of opportunities in my field due to social distancing restrictions in NY state. Key Bank doesnt have its customers in there best interest, we are just a number to them and its sad as I have heard some banks are doing extensions from online message boards. I wanted to bring this to CFPBs attention as I have also reached out to Governor XXXX, People could really use extensions during these hard times and its sad Key Bank doesnt really care to truly help its customers. 




( 1 ) https : XXXX? XXXX #
Consumer complaint received 2020-04-29
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND USED THE CREDIT CARD FOR THEIR BENEFIT, THE CHARGES AND THE CARDS ARE FRAUDULENT. I DON'T KNOW HOW TO REMOVE THESE FRAUDUELENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (IN)

I have a lot of experience with promotional interest rates and leverage these when possible. Wells Fargo 's credit card statement is extremely confusing and it was unclear how much needed to be paid and when to avoid interest rate. I had XXXX different promotional balances and the " warning '' that XXXX were expiring is on page XXXX within XXXX of XXXX boxes of information in regular font and very easily missed. As soon as I noticed I was incurring interest, I called. Even with the bills in front of me and them walking me through each piece, it is confusing when you have multiple promotions. There should be something on page XXXX near where your payment information is to highlight what is needed - full payment of the promotional amounts PLUS the minimum payment. I asked for consideration for the interest that was accrued in the 45 days it took me to notice this error and was not accommodated. I have exceptional credit and this credit card and a mortgage with Wells Fargo. I have never been this confused by promotional periods and have personal policy not to incur interest outside my mortgage. It feels like Wells Fargo does this intentionally to trip up customers and get the interest payments.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (CA)

Because our business transitioned from a XXXX to an LLC, I had closed a credit card account with Wells Fargo for our business which still had a balance owed on it. I set up auto payments and overpaid the bill by {$1600.00} mistake. Since XXXX 2016, I have been trying to get the money back from Wells Fargo into my bank account. It has been a series of misguided directions, XXXX checks that were sent have not been received because they mailed to the wrong address. I finally received XXXX check this week ( XXXX XXXX ), that I tried to deposit only to find out that Wells Fargo put a stop payment on it. I have completed every direction they have given me and yet I still have not received the Money that they owe me. This whole experience has been incredibly difficult. It appears to me that Wells Fargo is deliberately misprocessing and delaying the return of funds that are rightfully ours.
Consumer complaint received 2015-07-22
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I have been trying to get a mortgage modification from Wells Fargo for nearly five years. Recently they came up with an offer of {$960.00} per month over 281 months at an interest rate of 3.75 %. My previous payment was {$910.00} per month. If I can not afford {$910.00} per month what makes Wells Fargo think I can afford {$960.00}? I feel that Wells Fargo has NOT done everything possible to get me a lower monthly payment. There are several solutions I have been able to figure out, what ca n't Wells Fargo? About 6 months ago Wells Fargo made a big deal in the news media about giving a new home to a veteran for free. Now they are trying to make another veteran homeless. I am not asking for a free home, just an affordable one. All that good will that free home got wells fargo could be wiped out with the news story of wells fargo swindling another veteran out of their home.
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (GA)

hello i have filed a complain about wells fargo with cfpb complain # XXXX and explained that even though a let them know that reason i was canceling my debt card with them was that XXXX rent a car was attempting to charge my card something i dont owe and canceled the card befor they actuly charged and still wells fargo paid those fradulant chargesthey did not do anything and know this company continues to charge my card as of XX/XX/XXXX XXXXwith no reason please help me my account is about to be close because of wells fargo to acknowledge there mistake
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (TX)

* Wells Fargo Provided a Misleading Initial Loan Estimate and Made Last-minute Changes to Loan Estimate : The original loan estimate I received did not include {$2000.00} in escrow prepayment that showed up in a later Loan Estimate. When compared to mortgage offers from other lenders, this made the Wells Fargo loan look much better and led me to withdraw my applications with other lenders. When I received a new Loan Estimate following the appraisal, the additional charge was shown and the charges for discount points were doubled. I informed the Mortgage Consultant of the additional charges and he repeatedly assured me ( via email and phone ) that this was an error and would be corrected. After two weeks requesting status updates on the Loan Estimate and being reassured it would be fixed, the Mortgage Consultant informed me the charges were accurate. This increased our closing costs by {$2800.00}, three business days before our closing date and the same day Wells Fargo was supposed to send the closing documents to the title company. This left no time for us to discuss or negotiate the charge with Wells Fargo, to renegotiate terms with the seller, or to appropriately prepare our finances. 

* The Wells Fargo Rate Lock Was Not Honored : I received a new rate lock following the appraisal a few weeks before closing. The Wells Fargo Mortgage Consultant repeatedly assured me that the discount points would be consistent with the Rate Lock, until three business days before closing when he informed me the charges would be double. The Rate Lock and the Mortgage Consultant 's statements were not honored. 

* The Wells Fargo Mortgage Consultant Made False and Misleading Statements : In regards to the above actions by Wells Fargo, specific statements made by the Mortgage Consultant proved to be false or misleading. The following statements were made via email in response to my requests for information about the updated Loan Estimate. These statements and others made during phone conversation led me to believe the Loan Estimate was not accurate and would be updated : - " The exception in pricing you received kicked out evidently. I will get it approved again and corrected. '' - " I will get him to put the request in the system Monday morning. I would do it be we are not allowed to. I know that it will get approved without any issues. ''
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OH)

Equifax had my wife and myself 's information stolen. Part of them providing me a credit protection was also agreeing to not sue them in an opt out option. 

its not right for someone to damage my life and decide that making me whole is providing fraud protection that precludes me from legal action. It is a reprehensible stance.
Consumer complaint received 2017-09-09
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)

I 've paid for credit protection with Equifax for over a year now. Equifax was hacked and they believe my information was compromised. I already pay for their services and to further enroll in credit protection services will force me to waive my rights of legal action. 

I have not received a letter, email, or any other type of notification that my data was breached. I had to find out from XXXX after it was discovered that three executives sold their stocks 3 days before it was announced that they had been breached. This is unacceptable. This if true, is absolutely insider trading. The company executives need to be investigated along with the company as a whole. 

They literally had one job.
Consumer complaint received 2017-09-09
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. (KY)

I learned on the morning of XXXX XXXX, 2017 that Equifax had been a victim of hacking and lost over 100 million customers personal information, one-third of the U.S. population. My information was included in the list. The company improperly protected and stored my information. This leak will follow me for a lifetime and a single year of monitoring service is an unacceptable response/payment for the harm that could come to my financial standing for the rest of my life.
Consumer complaint received 2017-09-09
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. (TN)

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
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. (MN)

Through gross negligence regarding basic computer security standards, Equifax managed to reveal my personal information to hackers and potential malicious actors. Not only did it take them over a month to detect the breach on their own, it also took them a long time ( months ) to report the problem to the public. They have acted irresponsibly in informing the public, as I had to hear about the breach on the news rather than being informed by Equifax.
Consumer complaint received 2017-09-09
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. (OR)

Re : Equifax Cybersecurity Failure Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
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. (NY)

Equifax indicated that my personal information was likely involved in the recent breach to their systems. It does not immediately appear that there is any unexpected activity on my credit report, but to get the full reports I will have to access them by mail. I am also very concerned with the slow response to consumers as well as the ambiguous terms listed on the website they established for consumers to check whether their information was involved in the breach. It appeared to many until Equifax eventually made an announcement to clarify, that by checking for your involvement you were waiving your rights to class action lawsuits, and agreeing to arbitration to settle any issues raised by the breach. This ambiguity is unacceptable as it has led to many individuals expressing that they do not feel comfortable checking the safety of their personal information which Equifax was entrusted with.
Consumer complaint received 2017-09-09
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. (WA)

Equifax did not properly secure my information among 143 million others as I learned today that my information was stolen. They have my social security number, credit card numbers, income, employment info, birth date, legal name, know my equity levels, and access to security questions. I am very concerned that my identity will be hacked and compromised after being careful all these years to avoid dodgy websites. I am very concerned that someone may steal my identity and credit and or file a fake tax return now that they have my information. This is a huge problem and I hope the government can do something about it.
Consumer complaint received 2017-09-09
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)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
Consumer complaint received 2017-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (KY)

My debts were written off for XXXX debt collection in XXXX. The debts are XXXX XXXX XXXX. They reinserted them without my knowledge and refused to get rid of them after my dispute. They were reinserted through a new collection agency and new dates, as well as the bureaus failed to contact me via written correspondence or email within 5 days of reinsertion XXXX XXXX XXXX, I was never notified but found out via checking my report on XXXX XXXX. ). I want these removed from my XXXX and XXXX reports and removed from my name.
Consumer complaint received 2017-09-09
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. (IN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2017-09-09
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. (CA)

I heard about the Equifax hack and was immediately worried. Today, XX/XX/XXXX I checked with Equifax 's new site used for people to see if they are impacted by the recent Equifax hack. I have confirmed that I am affected by the Equifax hack. 

I have not received any notification from Equifax and I find it absurd that I had to hear about this on the news. Now, I can not view my credit report as the service is not able to pull my credit report. I can not see if there have been any credit fraud.