davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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: EQUIFAX, INC. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTEDXXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX {$50.00} XXXX {$1800.00}
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : US DEPT ED XXXX Balance {$730.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX {$2300.00} Date Opened : XXXX US DEPT ED XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$3900.00} Date XXXX : XX/XX/XXXX
Consumer complaint received 2015-05-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

REGARDING A CLOSED DEBIT ACCOUNT WITH WELLS FARGO. XXXX, 2014, MADE AN ONLINE PURCHASE WITH XXXX XXXX. TICKET WAS NEVER USED. XXXX, 2015, XXXX AGREED TO REFUND MY PURCHASE. THEY SAID THE CREDIT HAD TO GO BACK TO THE ORIGINAL DEBIT/CREDIT ACCOUNT. EXPLAINED TO XXXX ... MY ACCOUNT WAS CLOSED. IT WAS SUGGESTED TO CALL WELLS FARGO AND EXPLAIN TO THEM A CREDIT WAS COMING ... AND, TO ISSUE A PAPER CHECK TO ME UPON RECEIPT. WFB, AGREED. CONTACTED XXXX TO TELL THEM GO AHEAD AND PROCESS THE CREDIT TO WFB BASED ON THE COMMITMENT GIVEN TO ME BY WFB. HOWEVER, WHEN WFB RECEIVED THE CREDIT ... THEY DIVERTED THE FUNDS TO MY CLOSED ACCOUNT STATING I HAD A NEGATIVE BALANCE. BELIEVE WFB ERRED AGAINST THEIR POLICY. THE PRESIDENT OF THEIR DEBIT/ATM DIVISION INFORMED ME ... IF THE ACCOUNT HAS BEEN CLOSED FOR 30 DAYS OR MORE ... THE CREDIT IS RETURNED TO THE MERCHANT. BECAUSE WFB WAS ALERTED TO THIS INCOMING CREDIT ... THEY SAW THE OPPORTUNITY TO DIVERT THE FUNDS. THE CREDIT WAS NOT INTENDED TO BE POSTED TO MY CLOSED ACCOUNT. WFB HAD NO RIGHT TO TAKE THESE FUNDS. ONCE AN ACCOUNT IS CLOSED ... TRANSACTIONS CA N'T BE POSTED AGAINST THE ACCOUNT. WFB MADE A COMMITMENT TO ME HOW THE INCOMING CREDIT WOULD BE HANDLED ... THEY IGNORED THIS COMMITMENT. I KNOW FOR A FACT IF I HAD N'T ALERTED WFB TO THE INCOMING CREDIT ... IT WOULD HAVE BEEN RETURNED BY THEIR SYSTEM TO XXXX AS AN UNIDENTIFIED CREDIT. ADDITIONALLY, VISA, INTERNATIONAL INFORMED ME XXXX HAS THE ABILITY TO REVERSE THE CREDIT TRANSACTION. MORE DOCUMENTATION IS AVAILABLE. THANK YOU FOR YOUR TIME. PLEASE EXCUSE THE UPPER CASE LETTERS ... HAVING A PROBLEM WITH THE KEYBOARD.
Consumer complaint received 2015-12-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I had told Wells Fargo to freeze my account since creditors are trying to send ACH debit to my accounts. Wells Fargo refused to do it and has been charging me {$35.00} each time. They charged me over {$700.00} in overdraft fees since XX/XX/XXXX. They would n't close my account because it is overdrawn because of their fees. I was under a XXXX due to a lot of debt and in the verge of losing everything.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In 2011, I became very ill and XXXX making it impossible for me to work causing a horrendous hardship and I got behind my mortgage payments, I desperately call my lender / servicer Wells Fargo Home Mortgage. requesting assistance with my loan with no avail.I continued to ask for assistance for a loan modification under the XXXX XXXX XXXX Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage. representative and agents. I was distress, anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them, and explained my difficult situation but it did n't get me anywhere. I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and XXXX, method with the process of my loan modification and for denying me the XXXX XXXX XXXX - Making Home Affordable Program after I was assured by their representative agents I would be eligible if I followed their instructions and I did.
Consumer complaint received 2015-12-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I was contacted by Midland Credit Management with the following number XXXX and the representative made bogus claims that I had an old balance they bought back in 2007 for a XXXX card I never opened. The representative with an XXXX accent, was trying to confirm my social security over the phone but I would not cooperate with this sensitive information. Can you please contact these folks and get them to stop calling my moms house for a bogus debt? I have attempted to ask for a document of this alleged debt and have not received anything. Please look into these unethical business practices as soon as possible.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Arbitration — 
Company: WELLS FARGO & COMPANY (CO)

I was recently granted a divorce from my husband. The court ruled that he was liable for all outstanding debts on a Master Card with Wells Fargo. I contacted Wells Fargo to have my name taken off of the account and to notify them that my husband was liable for paying off the balance due on the card. I sent them a copy of the decree of the divorce. I made several phone calls to Wells Fargo. I went to a local bank and pleaded my case. I was told Wells Fargo does not honor divorce decrees and that they are holding me responsible for the outstanding balance along with my husband. My husband is the primary card holder on this card and he refuses to pay the balance due. This outstanding balance is destroying my credit rating. And I do not have the money to pay off the balance. Well Fargo also changed the credit card from a Master Card to a Visa card without notifying me. They would not give me the new credit card number until I went to a local Wells Fargo bank and demanded that I be given that account number.
Consumer complaint received 2016-02-15
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NV)

Westernunion was contracted to perform payment service and did not deliver, provided false information for return on funds, was directed to return funds to source and refused. 

Western union was contracted to make overseas payment and did not deliver money. 
They continue pushed for additional personal information and were refused and told to return all monies to the source bank account. 
Instead, they indicated I would have to travel to retail store to collect. 
Attempted collection at XXXX stores using provided transaction #, XXXX times was rebuffed as payment not available. 
Complained again to western union who has ignored communications and has kept my money.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Received call from debt collector stating that an attempt to collect a debt. I politely required an invoice to be mailed to my house with instructions on how to pay. She declined and stated that the acts they get people do n't even know they have them and that she had no further details to offer me. I have not stayed at that apartment she stated in over 5 yrs and that I had no problem paying the money if I truly owed them by providing proof of what the debt was for? She stated I was " staling ''. Which if the representative stated that most debt they have people do n't even know they have it, how can people pay something they do n't even know that they 're suppose to pay?
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a credit card from XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, TransUnion, and XXXX  XXXX XXXX with no successful resolution. XXXX, and TransUnion reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXXl the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

We have contacted Wells Fargo ( XXXX lien holder ) in an effort to postpone foreclosure XXXX XXXX XXXX, 2016 XXXX on our home. We have been waiting for a payoff notification from Wells Fargo after repeated attempts to obtain it from them so that our XXXX lien holder ( SLS ) can approve their part of the short sale process. We have not been acknowledged through Wells Fargo for our requests and the requests of our Short Sale Title Agent XXXX XXXX. We have an open contract for the short sale and are currently being held up by Wells Fargo because they would rather foreclose on our house rather than sell it to an approved buyer.
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2021 XXXX XXXX transition has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Consumer complaint received 2017-01-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Roundpoint Mortgage took over my loan 6 months ago not by my choice. Ever since then I 've had nothing but problems. I have paid my mortgage and esgrow for 11 years and have been transferred to XXXX diffrent banks without issues. First this company dropped the ball on my insurance info and tried to put me on there insurance than 4 months later I got a statement saying I was XXXX dollars short acording to there Esgrow Anyalis Department they tried raising my monthly payment from XXXX to XXXX a month becuase they estimated my property taxes to go up double that is totally bogus. I have never been that much short ever I 'm a Vetran on a VA loan and I understand taxes and insurance go up but to raise my payment from XXXX to XXXX becuase there analysis department projects that which is completely bogus after talking to my local tax appraisal is XXXX I worked really hard and refinanced to keep my monthly payment low and when I called there bank all I could get is sorry that 's what our analysis department projects. There is no way on a homestead your taxes jump XXXX dollars in 11 years they went up XXXX dollars
Consumer complaint received 2015-05-19
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc. (TX)

I was contacted by States Recovery Systems Inc 11 days before my arranged payment due date. I found it odd that I was contacted by an individual ( XXXX XXXX ) that does n't typically handle my account. He asked if I wanted to set up a postdated payment and I informed him that today was just the XXXX and I have 11 more days until my payment is due ; therefore I 'll call in on my due date like I always do. I informed him that I am one of the few people they may deal with that actually calls in to make my payments and I do n't need them to call me. 

Though I informed him NOT to set up a postdated payment and I will call in on my due date ( XXXX ) like I always do. As of yesterday ( XXXX/XXXX/15 ) I received a letter in the mail stating that a postdated payment has been set up.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRUSTMARK CORPORATION (AL)

I have a mortgage loan with Trustmark Bank. For over 3 months now the " Load History '' page on their mortgage website has not worked so I can not see my payment history. I have called twice and been told that it 's being worked on, but 3 months is a LONG time to wait for a crucial website to be fixed.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (TX)

I have requested multiple time that my mortgage servicer create an escrow account for me. I have provided all of the information they need both by email and by fax. Every time I call, I have to hold for a minimum of XXXX minutes and more typically XXXX minutes before I ever speak to a human. Then, when a human does finally answer, I often get mysteriously disconnected despite calling from a landline that I NEVER have issues with otherwise.
Consumer complaint received 2016-05-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

XXXX HAS FAILED TO ASSIST ME IN HELPING ME FROM DEFAULTING MY PRIVATE STUDENT LOAN. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO HELP BUT THEY KEEP INFORMING ME THAT I HAVE NO OTHER OPTIONS. I HAVE BEEN EXPERIENCING DEEP FINANCIAL HARDSHIP AND HAVE BEEN UNABLE TO AFFORD THE PAYMENT ON THE PRIVATE STUDENT LOAN. THERE HAS TO BE SOMETHING THAT THE FEDERAL GOVERNMENT CAN DO TO STEP IN AND HELP ME WITH THIS HORRENDOUS PRIVATE STUDENT LOAN THAT IS RUINING MY FAMILIES LIFE FINANCIALLY.
Consumer complaint received 2016-03-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Affiliated Acceptance Corporation (TX)

I had signed up for a fitness training membership with XXXX XXXX XXXX ( financed through Affiliated Acceptance Corporation ) inside the XXXX in XXXX, TX. At this time, I was told that this is a 12 month agreement with XXXX sessions a week and each session {$29.00}. I was told I would have measurements taken every month, that I would have a log in account to have access to my information, and that I would be given work outs to complete on days I was not with my trainer. I agreed to this and was connected with a trainer named XXXX. I texted XXXX and set up my first appointment. I showed up for the appointment to meet my trainer, but was told he was not there that day. I received no text or notification from him that day or for the weeks following saying why he could n't make it or that he wanted to reschedule. I even texted and called him multiple times to figure everything out. I finally received a text from him 2 months later, after I had gotten a new trainer, asking if I wanted to work out with him. This is horrible customer service, and I should have cancelled my membership at that point. 
Instead, I requested a new trainer. I thoroughly enjoyed my membership with my trainer. However the agreement I was promised, was not satisfied. I was never given work outs to do on days I was not with my trainer, monthly measurements were not taken, and I was never given a log in to view my account information. 
A few months later I was notified that my account was past due 3 months of membership fees. I had never received any type of notification either via email or mail. At that time, I had thought the fees were being taken out each month and I did n't have enough money to catch up and bring the account up-to-date. I requested my account to be paused while I saved up the money, but was told they could only hold the account for medical reasons. As I began saving money and receiving my IRS refund, I had attempted to contact them to update my account. I submitted a contact request on their website and attempted to email them. Each time I try to email them to the email ( XXXXXXXXXXXX ) on their website, I get a " Delivery has failed to this recipient or group : XXXXXXXXXXXX ''
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WEICHERT FINANCIAL SERVICES (NJ)

When I bought my house, I was persuaded by the low monthly payment XXXX {$1600.00} per month XXXX. I had a 30-yr fixed mortgage at ~3 %. In less than one year, that increased to more than {$2300.00} per month. I was told that the ( escrow? ) costs were underestimated and because the seller had made major improvements before I bought it, the taxes were increased. The realtor XXXX Weichert in New Jersey XXXX had not mentioned this to me at all prior to my purchase, even though I 'm a single woman supporting a family by myself. I complained but they told me it would go down later. It did go down a year later, but to {$2100.00} per month, still much greater than the {$1600.00} per month that I thought would be my monthly mortgage burden. Weichert of course knew I made ~ $ XXXX per year, and that I had substantial cash savings and no debt ( other than the house mortgage ), so they thought it was no big deal if my costs went up because I could afford it. They also unilaterally made a bid on this house that was higher than the bid that we had agreed to on the house, based on the neighborhood comps. Again, they just wanted to close the transaction ( this was almost 3 yrs ago when the housing market was still struggling somewhat because potential buyers were being rejected for mortgage loans XXXX. What Weichert did was completely reprehensible, if not illegal. They breached their fiduciary duty to me out of their own greed. I would not have bought this house had I known that my monthly payments would be this high.
Consumer complaint received 2016-11-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (KS)

On XXXX XXXX, 2016, I applied for a loan of {$1000.00} from bigpictureloans.com. I was informed that there would be a " finance charge '' of {$350.00} and that would be worked into my fixed payments. I agreed to this and accepted the terms of the loan as i was somewhat desperate. I was not made aware of the interest rate, nor that the first XXXX installments of the loan ( {$350.00} each ) were solely " finance charges, '' until after the terms were accepted. It was not until I logged into the account, after making the first payment on XXXX XXXX, 2016, that I was able to see the truth in lending disclosure. This states that my interest rate is indeed 1,073.2674 % APR and that the finance charge is {$8900.00} this makes the total amount i would be paying back {$9900.00}.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (FL)

I called the National Consumer Telecom & Utilities Exchange to place a security freeze on my data report. They said they could not locate my information. I need to have an immediate security freeze placed on my data report, because of the XXXX  breach, someone could open a cellphone or internet or cable account in my name without my authorization.
Consumer complaint received 2017-04-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Global Lending Services LLC (SC)

I was no longer working an allowed my cousin to take over the payments on my XXXX that was financed through Global Lending. They knew he was making the payment that they even dicussed my account with him. Never mind you, he is not on the loan. He informed me, as well as them that the vehicle 's motor went out while driving from Virginia back to South Carolina. After the recovered the vehicle and even possibly sold for the vehicle theyre still indicating I owe them a balance of about {$8000.00} even though i been trying to surrender the car before the motor blew out. Theyre still reporting as involuntary repo for the last five years. I need and want this remove