davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I have been asking Wells Fargo Home Mortgage to provide me with information about my loan status and what I need to get current ( not counting my Bankruptcy protection amount ), but they can not seem to provide accurate information. I am in Chapter XXXX Bankruptcy so I have protection and I have been making my payments to the Trustee, yet Wells Fargo is threatening to foreclose on me. I do have some late payments to them after my Bankruptcy, partially because they do n't allow online payments XXXX making it even more difficult for me to manage my account when they should make it even easier ) and I have to mail them a check every month. Every time I ask them to provide me with what I owe them, they include the amount I have in bankruptcy protection, which is accounted for separately. I can not access accurate information about my loan online and have to talk to XXXX of their so called " experts '' in the bankruptcy department, who can never accurately answer my question. All I need is a printout of my loan information and how my payments have been applied. I also want to know how they are applying my Chapter XXXX Trustee payments. Futhermore, I tried to apply for the so called XXXX modification plan and they did their best to make sure I did not qualify. They said I had too much debt. The whole point of the modification is that I need help to make my payments, and reducing my mortgage payment would help, which is what the plan was created for.
Consumer complaint received 2017-01-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TN)

My brother, XXXX XXXX and mother, XXXX XXXX took out a loan with XXXX XXXX in XXXX, TN on or about XXXX. They both were not XXXX capable of understanding the financial documents. XXXX sold the loan to Greentree. XXXX XXXX, XXXX my brother died and XXXX XXXX, XXXX my mother died. I am the heir to the property. The house has been recently appraised for {$45000.00} The principal of the loan is approximately XXXX. I hired XXXX attorneys on XXXX separate occasions, neither could get any help from Greentree. We requested a short sale and offered a settlement. They faked a foreclosure. I had never experienced anything like that before, but I am wanting to keep this house, it was my childhood home, so I buckled and wired transferred XXXX only to get XXXX applied to the principal. Once they sent me papers so I could make an offer, but they would not process them because they wanted financial information from my brother and mother. THEY ARE DEAD so they have no income. On several occasions they will call and continue sending mail for my dead family members to contact them. They have all the legal documents required to show I, as well as my daughter XXXX XXXX has legal rights to talk to them. They have the death certificates. I have been trying for 2 1/2 years trying to reach a settlement offer. They are now called Ditech. Ditech has not changed anything, including the employees we talk to. Her name is XXXX. She is rude, condescending and makes hurtful remarks regarding the death of my family members. I have sent several certified letters to their higher management, in which they signed for. Still no one will contact us regarding this loan. I recently learned of the XXXX XXXX dollar lawsuit of all the illegal and unethical tactics Greentree was found guilty of. It is obvious Greentree changed their name to Ditech, but are still operating under the same principles.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TN)

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (IN)

This complaint involves bundled services for home phone, TV and Internet provided by XXXX I decided to switch my bundled services from XXXX to XXXX ( XXXX XXXX in XX/XX/2016. XXXX service was installed on XX/XX/2016 ; when installation was complete and phone, TV and internet were all working, I called XXXX to cancel my bundled services ( home phone, TV and Internet ). In XX/XX/XXXX, XXXX billed me services from XX/XX/2016 - XX/XX/2016. Beginning XX/XX/2016, I attempted to get XXXX to remove the charges for the home phone, TV and Internet services ( which I canceled on XX/XX/2016 ) from my account. I have made multiple phone calls to XXXX, spent hours and hours talking with multiple ( XXXX ) XXXX representatives and been promised that corrections have been made. Yet I have continued to receive fraudulent bills for services not received. 

Despite making a call to XXXX on XX/XX/2016, at which time an XXXX supervisor promised that my account had been adjusted to reflect only the services I received from XX/XX/2016 - XX/XX/2016, XXXX turned my account over to collections the following day, XX/XX/2016. After more phone calls to XXXX on XX/XX/2016 my account was eventually reduced to reflect charges for services from XX/XX/2016 - XX/XX/2016. Although I have asked XXXX to recall my account from collections ( since my account was not corrected until after XXXX turned it over to collections, XXXX has refused to do so. I am being penalized and my credit has been damaged through XXXX fraudulent actions. ( See attachments for detailed description of my calls to XXXX, contacts by collection agency and fraudulent bills ). 

IN SUMMARY : XXXX has acted in bad faith and made false/deceptive statements to me throughout this process. I have continued to dispute the fraudulent charges and attempted to resolve the matter in good faith. XXXX ultimately sent my account to collections, even though my account contained FRAUDULENT charges for services I had canceled and had been disputing continuously since XX/XX/2016.
Consumer complaint received 2015-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (NJ)

So the problem is that the Sallie Mae / XXXX customer service people call me XXXX times a day before my payment is even due. My due date is XX/XX/XXXX and just today XXXX/XXXX/2015, I received XXXX calls with the last one being the infamous XXXX XXXX message. I ca n't understand why they are harassing me when I 'm current? I have spoken to several supervisors including XXXX XXXX and XXXX but neither were helpful not to mention they were the worst customer service people I have ever dealt with. I thought easy lending with aggressive collection practices were a thing of the past? Sallie Mae XXXX XXXX is in serious need of reform.
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (TN)

XX/XX/XXXX, I decided to change my cable service from XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX service technician came out to install the service, but informed me that I did not have a proper spot to install the dish and that I could not have the service. I called XXXX XXXX XXXX to let them know that I could not receive the service per the service technician. I asked them to please cancel the service, the customer service agent said that there will be no charge and all services are canceled. Later in the months, a bill was sent saying that I owed them {$130.00} for services. I explained to them that I canceled the services and they were never installed, I never even discharged XXXX services. They once again assured me that they will take care of it. After some months past, I noticed on my credit report that I owe XXXX XXXX XXXX, I disputed the charge, but XXXX XXXX XXXX kept reporting it. I have been harassed by credit agencies for over a year, until I decided enough is enough and contacted the XXXX. The president of XXXX XXXX XXXX finally contacted me to apologize and inform me that I do not owe anything and the charge would be remove from my credit report. I replied back stating that I should be monetary awarded for the harassment, embarrassment, a false amount posted on my credit report and being depressed for their mistake. I have not received a reply since XXXX XXXX, XXXX.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I FILED A COMPLAINT WITH THIS OFFICE BACK IN XXXX 2015 WHEN SYNCHRONY BANKXXXX CHARGED MY ACCOUNT A {$25.00} LATE FEE BECAUSE THEY FAILED 2 APPLY THE FINAL {$5.00} XXXX XXXX MY XXXX ACCOUNT AND THE THIRD BANK ACCOUNT I USED. .ALLOW ME 2 STATE FOR THE RECORD THAT I NEVER APPLIED FOR A XXXX CREDIT CARD WITH ( SYNCHRONY BANK ) I APPLIED 2 ( GE BANK ) AND UP UNTIL THIS ISSUE I NEVER WAS CHARGED ANY EXTRA FEES.NOW THERE IS ALSO ANOTHER ISSUE THAT I INFORMED CFPB & THAT WAS INTEREST FEES THAT HAVE BEEN APPLIED 2 MY ACCOUNT OVER THE PAST 3.50 YEARS FOR ITEMS THAT WERE PURCHASE ON A FLEX PAY OR VALUE PAY THAT ACCORDING 2 XXXX WAS SUPPOSE 2 BE INTEREST FREE.WHICH I BELIEVE IS FALSE ADVERTISING.NOW RECENTLY I LEARNED AN ADDITIONAL LATE FEE IN THE AMOUNT OF {$35.00} AND WHEN I ATTEMPTED 2 CHARGE AND PAY WITH MY DEBT CARD WHICH WAS DENIED BECAUSE SYNCHRONY BANK ONLINE PAYMENT STATED IT THE CARD WAS A CREDIT CARD THAT 'S A LIE BECAUSE IT CLEARLY READS ON MY CARD DEBT AND 2 PROVE IT I WENT AND WITHDREW SOME MONEY @ A LOCAL XXXX AND HAS 2 DEPOSIT IT INTO MY XXXX XXXX XXXXONE MORE THING I BELIEVE IT 'S ILLEGAL FOR A BANK XXXX CONTINUE CHARGING FEES WHEN THE ACCOUNT IS IN DISPUTE.
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (WA)

XXXX, XXXX and SLS, Specialized Loan Servicing LLC, has hired an agent in a XXXX XXXX XXXX, WA license # XXXX, to take pictures of our home on a monthly basis. We have a motion sensor camera system that has documented this trespass monthly. This XXXX/SLS agent is doing so by coming down our private road without our permission. XXXX/SLS is now notified that they, or their agents, do not have permission to travel on XXXX XXXX. XXXX, XXXX, WA XXXX on foot or in any vehicle, as it is a privately owned and clearly marked PRIVATE ROAD. We demand that XXXX SLS, and their agent, XXXX XXXX cease and desist from this trespass on private property and harassment and STALKING of XXXX and XXXX XXXX .
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (OK)

XXXX XXXX, XXXX Synchrony Bank Payment Research Department I had a XXXX XXXX Credit Card through your bank. The card was transferred to XXXX XX/XX/XXXX. I got a new card but I did not change the Account Number on my online banking. As a result I sent two payments to Synchrony Bank. These payments should have gone to my new XXXX XXXX XXXX account. 
I have had a great deal of trouble communicating with Synchrony Bank and would really appreciate some help with this issue. 
I made two electronic payments. 
{$140.00} on XXXX XXXX, XXXX {$81.00} on XXXX XXXX, XXXX I used my XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX The payments did not bounce back to my account or get transferred. 
My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like those payments transferred to my XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX I am including my Banks Proof of Payment
Consumer complaint received 2017-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (FL)

I have been called repeated by a debt collection agency for a debt that is not mine. I received the first call on XXXX XXXX, 2017. They have called me a total of nine times to date. 

Today ( XXXX XXXX, 2017 ) I called them back. I asked the person who answered the call what his name was and the name of the company he worked for. He told me he was XXXX XXXX and his company was Allied Interstate LLC. When I told him that I had received several calls from this number, he said that he looked my number up on his computer but denied that any calls had been made. 

Later that same day, I got another phone call from Allied Interstate LLC trying to collect a debt. This time, they left a message on my voicemail and I have the recording to prove it. Here 's the best part of all : the person calling identified himself as XXXX XXXX, the same man who I had talked to earlier that day and denied any calls had been made to me! I even recognized his voice! Again, this call was made by Allied Interstate to me on XXXX XXXX, 2017, at XXXX XXXX. The message they left is as follows : " Hello, this important message is for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Allied Interstate LLC, a collection agency that is attempting to collect a debt, and any information we obtain will be used for that purpose. Please return my call today at XXXX. Once again, my number is XXXX. Thank you. '' There is no XXXX XXXX ( spelling? ) at this number, nor do I know this person. Allied Interstate LLC claims that they are not calling me, but this is not true.
Consumer complaint received 2016-06-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK (IN)

I have been paying extra on my mortgage and the principal balance does not go down any. I am not sure what is going on. It has not went down all year so far. Infact it has went up when I check it. I would like an audit down to see exactly what is going on.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2015-05-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

Today I attempted to make mortgage payment from my checking accounts just to learn that all personal accounts and accounts I manage for couple of LLCs at Wells Fargo Bank are blocked for financial transaction. After several attempts to find out what happen I have learned that on Sunday XXXX XXXX bank has blocked all my accounts. Finally after XXXX hours lost I was able to get information that bank is investigating some transactions. Every dollar that enters and leaves my account is accounted for and trackable to source of origin. I am not conducting any illegal practices and bank does not have grounds of any source to hold my funds especially since they are declining to communicate with me. This need to be resolved ASAP as I need to feed my family and pay my bills.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (CO)

In 2004 I created a deposit account with Wells Fargo at a Colorado XXXX location. The account representative offered a service for an additional overdraft protection credit card with the opening of my account. I partially competed the form and decided to forgo the overdraft protection credit card and asked the form to be destroyed. After I closed my deposit account with the bank I was notified that I had unsettled account balances on a credit card I never authorized. After much back and forth with various representatives the bank had agreed to drop the card and charges which were never authorized. The issue remained as a negative account on my credit bureau for many years. After hearing the unfortunate news that this has happened to others, I wanted to share my experience that predated the recent news article regarding the creation of false accounts and I highly recommend a more thorough investigation be performed as the issue has a longer history than what is currently known.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (VA)

This company is in direct violation of 15 U.S. Code 1681s-2 - ( Responsibilities of furnishers of information to consumer reporting agencies ). I was never notified within the allotted 30-days prescribed by the FCRA, in writing, of any negative information ( late payment ) being reported to the XXXX credit bureaus ( XXXX, XXXX, or XXXX ) regarding my account.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Universal Account Servicing, LLC (MA)

I believe this company is operating a loan scam that involved bank fraud and wire fraud among other issues. I kindly submitted a Privacy Act request giving them the opportunity to document how their business is legitimate but they failed to respond. They have worked with XXXX XXXX XXXX XXXX, XXXX where they create a fictitious debt obligation. However, there is no validation that any funds of value were actually loaned out to create any debt. They have XXXX other companies as well known as Universal Account Servicing , LLC and the Universal XXXX. These XXXX with XXXX XXXX XXXX XXXX, XXXX in some form or another have all tried to collect on the same alleged debt. How can XXXX or more entities be the legal CREDITOR to the exact same date? When questioned they back off quickly thus demonstrating their lack of legal legitimacy. They have violated perhaps several dozen laws, codes, and statutes not to mention not having the proper licensing to create loans like a bank and be a broker and dealer of securities. If they do n't resolve this I have no choice but to reach out to the United States Attorney.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (OR)

I lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. 

IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX 

Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. 

IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX XXXX points.
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (OH)

I graduated from XXXX XXXX University in XXXX of XXXX. I have been on the search for jobs since I was let go at my former XXXX ( I am a XXXX ) almost a year ago. Back in XXXX I had submitted a complaint with the XXXX about Wells Fargo reneging on the in-school forbearance policy and was able to get them to defer it until I had properly graduated. I told them what my official date of graduation would be ( XXXX XXXX, XXXX ) and according to my account information on XXXX my forbearance period was shown to hold until XXXX of XXXX. 
Much to my surprise I received notification by mail on XXXX/XXXX/XXXX that they are once again reneging on a documented date of forbearance claiming that I had graduated and thus the date was updated. I totally agree that in-school forbearance should only last until I 'm out of school however, I had electronic data telling me that my forbearance would be good until XXXX of XXXX. Given that I do not have a job yet ( but am closing in on a few ) I really needed at least 6 months of forbearance after I graduated to give me time to find and settle into a job, at which point it was my intention to start paying on this private loan. 
But it is my opinion, and no doubt the opinion of countless other consumers, that spontaneously changing due dates on a whim is EXTREMELY bad business practice and should be illegal ( if it is n't already? ). Wells Fargo had the date of my graduation and if they intended on cancelling my forbearance after my graduation date then that date should have been the XXXX on my Wells Fargo account showing me when exactly I should expect to need to start paying. 
Nonetheless, I had called on XXXX/XXXX/XXXX to confirm all of this and inquire about getting a deferment based on unemployment or whatever could postpone me until I find a career and was told that the maximum deferment period would only be two months and that I needed to make a " good faith payment '' in order to be CONSIDERED for said forbearance ( i.e. it was n't a guarantee ). Luckily I 'm aware that if I type in " Wells Fargo XXXX me on forbearance good faith payment '' into XXXX and other consumer-watchful searches I could come up with dozens of people that have had this " Good Faith Payment '' backfire on them. 
The bottom line is that Wells Fargo is not being considerate of their consumers that are recent graduates and are reneging and changing due dates whimsically ; its unprofessional and should be illegal. And the requirement of having to make a " good faith payment '' in order to be considered for forbearance makes no rational sense ( if I had money to make a payment, why would I need forbearance in the XXXX place? ) and is highly suspect. Please do something about this!
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.