davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

On XX/XX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XX/XX/XXXX. I informed XXXX in XX/XX/XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XX/XX/XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by three collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second was XXXX out of XXXX, IL. I wrote certified letters to five executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XX/XX/XXXX, I would have to go to court to get this. I just received another letter and several phone calls from a third collection agency, XXXX XXXX. This is NOT verifying that I owe the charges they claim. I want this harassment from XXXX and XXXX to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.
Consumer complaint received 2018-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have sent multiple disputes to Transunion, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. Transunion repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.
Consumer complaint received 2018-04-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I got behind on my mortgage in XX/XX/XXXX, due to Wells Fargo said they did not get a payment that would have kept me out of foreclosure of over {$1400.00} the XXXX county Veterans services had help me with. So the XXXX county Veterans services gave me an affidavit to send to Wells Fargo, and never got a response from that neither. I was only making {$9.00} a hr and paying child. So I lost my job in XX/XX/XXXX, due to workman 's comp. injury. I received unemployment until. XX/XX/XXXX. I haven't got a job yet but am due to start one next week. I had XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX help me with getting a modification. He can tell you all about my situation. His ph number is XXXX. I was told to get a job/decent income to stop foreclosure by him and Wells Fargo. I been having car problems but like I said I start a job next week. Wells Fargo did send me the {$1400.00} back. XX/XX/XXXX. So they did get the money XXXX county Veterans services sent them, but told me and XXXX XXXX They did not get it on time, XXXX County Veterans Services sent it the day before and would have stop foreclosure. Now they telling me my house is sold. I asked XXXX XXXX to ask Wells Fargo for a few more weeks, two weeks ago. But they did not respond back. I did not get the letter about a sale date until this week after it was sold. I lived at this house since XX/XX/XXXX. I was in foreclosure before in XX/XX/XXXX due to divorce. My ex-wife was responsible for the mortgage payment then and I was not living here, she was paying for it over a year but stop paying before she moved back to XXXX XXXX. After the divorce. So Wells Fargo took almost three years to do the remodification then and was told by them not to send no money until it was over. But I was working back then and sent money twice and they spent some back to me. That was in XX/XX/XXXX/XX/XX/XXXX. When they did completed the remodification my Mortgage payment went up from {$290.00} to {$360.00}. per month. I should have reported that back then. I was told that was not right. My question is why they such in a rush to do this remodification now, when it took longer the first time.??
Consumer complaint received 2018-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

CAPIO PARTNERS LLC XXXX FLORIDA HOSPITAL XXXX XX/XX/2018 {$8600.00} {$8600.00} is attempting to collect and report to my credit a debt that is not mine.
Consumer complaint received 2018-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I obtained a home mortgage through a non-profit housing agency called XXXX XXXX XXXX. I made my payments through a mortgage servicer named XXXX , XXXX. I fell behind on my payments because my husband was in 3 serious car accidents and XXXX XXXX. We incurred thousands of dollars in medical debt and were working with XXXX, XXXX On a loss mitigation that was supposed to be effective XX/XX/XXXX. In late XX/XX/XXXX, I received a notice that the XXXX XXXX XXXX had sold my mortgage to a new servicer called XXXX. They are out-of-state and do not have area offices. I tried to register for an account to access their online system to understand what was going on, but received an error message because they have no record of my loan. I then called XXXX three calls and spent a long time on hold each time before I could speak to a human. XXXX is like a black box when it comes to accessing information or assistance, but has been very effective at sending 2-3 delinquency notices a week ( including 2 letters yesterday ). I was finally able to speak to a loss mitigation specialist this week only to be told they dont have any information. They have not received my files and asked me to contact XXXX to obtain the files myself since they might not have them until XX/XX/XXXX. The trouble with this that my loan will remain in collections and I will not be assigned a loss mitigation counselor until I receive it. The bigger concern is that even though my modification had already been approved by XXXX, they are treating my loan like a delinquency. My modification will now need to be reviewed and approved by XXXX. This will further prolonging the issue that I had already taken each and every painstaking step to resolve through the appropriate channels. I contacted the XXXX XXXX XXXX ( XXXX ) and asked them to address the Commissioners to let them know how disappointed I was that they sold my mortgage to an out-of-state company that only allows FHA recipients to make payments through the mail and not electronically, and that my loan modification fell through the cracks. XXXX instructed me not to and has been sending me emails that include their executive staff. This is very intimidating and it feels like now they are punishing me by telling me I did not comply with the terms of the agreement when I have not received any letters from XXXX, XXXX, XXXX, nor HUD telling me as much. All I want is to put the ordeal of my husbands medical problems and delinquent mortgage behind me. I have done everything right to make this happen, and am challenged to understand why Im suddenly back at square one with XXXX. I want to pay my XX/XX/XXXX mortgage payment and I want to stay in my home.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX an account that I had with my credit union was paid in full. 
Prior to this the account had been closed and when I was made aware of an outstanding balance I paid it immediately. 
I thought this matter was resolved until 2 years later I got an alert from my credit monitoring telling me that this account had been placed as a Charge off with a date of XX/XX/XXXX. 
I have reached out to the credit union to help me resolve this issue but so far all they have done is provide me with a letter showing the account was paid in full but they have failed to correct my credit report. 
I have also reached out to the credit bureaus in hopes of assistance but I always get the same answer after their investigation and that is that XXXX does not provide them with the proper documentation to remove this item, this is despite the fact that I have provided them with a letter from the credit union stating that the account was paid in full back in XX/XX/XXXX
Consumer complaint received 2018-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IN)

I recently opened this account on XX/XX/2018 and only made 4-5 transactions. Yesterday I try to log into my account to see if my daughters child support came in so I can pay my bills and only to find Citibank put a block on my account. I spoke to two representatives, first one told me he couldnt see the issue. The second one told me that he could see the block on the account and spoke to the fraud department only to tell me they are closing my account because of my tax check wasnt endorsed correctly even though they released the funds days ago and sent no warning or notice of the closing of my account. After that I asked to speak to a manager at this point she was giving me less information than the previous representative. Telling me she wont tell me why they are closing my account even though I was told it was a check I deposited. This now is causing me to pay my rent late and the rest of my utilities may be cut off. I havent even had the account for more than 3 weeks but am being told because of my recent activity being the first time I used the card to pay bills. Unprofessional. Inconvenient. And Criminal.
Consumer complaint received 2018-10-09
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: Experian Information Solutions Inc. (NY)

I DISPUTED WITH EXPERIAN ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH CREDIT ACCEPTANCE. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH CREDIT EXCEPTANCE, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU XXXX XXXX
Consumer complaint received 2018-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (AL)

I found out on the CFPB website there was a lawsuit against or CFPB ordered Citi-mortgage and citibank to pay XXXX XXXX dollars to home owners that pursued modification from citi-mortgage which I did for 2 years and continued to be denied. Therefore I lost my home to forclosure from Citimortgage of XX/XX/2017 and we were forced to seek rental property that was hard to find. I called citimortgage to find out about the order and they were aware of the XXXX XXXX dollar order but they wouldnot give me the information so I can claim my potion of the lawsuit. 

My wife and I lost our home which we lived in for 10 years because no matter what documents we sent to Citi-mortgage they wouldnot give us a loan modification. 

So please help us find the correct Citi-mortgage department so we can claim out portion of the XXXX XXXX dollar lawsuit
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

Today ( XXXX XX/XX/XXXX ) I attempted to freeze my credit report access at XXXX, XXXX and Experian. The XXXX  attempt went without a problem, but I was thwarted in my attempts at Experian and XXXX. After filling out the credit freeze request form at XXXX, I was received the following response : <p> " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 
We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Thursday : XXXX XXXX to XXXX, and Friday through Sunday : XXXX XXXX to XXXX XXXX Eastern Standard Time. '' <p> In the case of Experian, it was clear to me that they were intent on making it as difficult as possible to obtain a free freeze. Their request form did not allow autofill, an easily implemented customer courtesy, and after having manually filled out the form and answered ID verification questions, I received a notification that for an unspecified reason they could not fulfill my request, and that I should send the request via USPS mail and include a long list of specific pieces of information, which I had just supplied in their online form. 

I believe if one of your agents attempts to use the free freeze request at the two services referred to above, they can confirm my experiences. Nevertheless, I will double check both of those services tomorrow, and if their response has been more compliant in fulfilling the requirements of the free freeze legislation 's intent, I will so inform you via this complaint submission option. 

Sincerely yours, XXXX. XXXX XXXX, VA
Consumer complaint received 2018-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I called HSBC Bank that {$14000.00} was drawn from my checking account fraudulently on XX/XX/18. While I was talking to them another {$12000.00} was drawn. I called again XX/XX/18 to find out status of my account and found out that the request for block and transfer of money back was never made. I called them again today and been hold for 75 mins and no answer.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Recovery Systems, Inc. (IA)

Capital recovery has called my home number at Least 100 times trying to collect a debt from someone who used to have my number. I have requested them to stop and they keep calling and calling. I have no idea who they are calling for and I have no bad debts. 
their number XXXX
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (TX)

Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. 






XXXX XXXX XXXX. XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$110.00}
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Neon Newco Corporation (FL)

On XX/XX/XXXX I made a purchase on XXXX a.k.a XXXX XXXX expecting to receive my merchandise in return. However merchants never sent my merchandise and took my money for fraudulent purposes of person gain. I disrepute this matter with my banks nothing this has caused serious problems of my funds been low as well as fee with my bank. 

XX/XX/XXXX XXXX  confessed and refunded my funds which caused my funds to be low and access fees However netspend is engaging in this fraud and leaving all fees related to this matter from XX/XX/2017 and the present. 

I contacted net spend and followed the chain of command of speaking to the supervisor and manager noting this fraudulent activity in I shouldnt be responsible for fees involving fraud netspend refuse to assist leaving multiple fees on my account
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good Afternoon, I am trying to get some assistance from the consumer finance department in this matter, I have been trying to get some help in clearing my credit score, as you can see i have a lot of hard inquiry, I have 8 inquiries in one day that is not possible. I called and customer service would not help and take care of the negative inquiries reporting to your credit report. I am hope your department will help me. Thank You for taking your time in reviewing this email, may you have a wonderful and blessed day. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I made additional payments on these accounts with the original creditors which the collections agency is not considering in their accounting. I have advised the company of this fact twice, but they have neither researched my complaint nor even acknowledged my statements to them. I am asking them to reach back out to the original creditors to verify the last balance is accurate. Every time I dispute, the collection agency merely sends me a copy of monthly statements but that does not help me discover the payments posted after the 60 day delinquency date.
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (SC)

Fraud student loan consolidation. Within the last week I have received fraud alerts from XXXX  and XXXX XXXX and this mess has cost me a loss of 24 points on my credit score. I only had one loan with EdFinancial and have been making payments even before I needed to. I had a balance of {$570.00} left and when to make my regular payment and it showed the account paid off. I called EdFinancial customer service on XX/XX/XXXX and they said my account was sent to Navient ( a company I have never heard of ) for student loan consolidation. I explained that I have never taken another loan. They said they were no longer involved and to contact XXXX. I called XXXX and they said the account was new but they could see it was to consolidate with other student loans I have. They sent me to the fraud department and I asked for them to provide proof I took out a loan and they literally had no paperwork on any loan. They said they would get back to me on a few occasions and never did. I am being bounced back and forth. At this time I do not know where my loan is so I can make a payment as both companies have an open account.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

us bank is the problem i had gone in to be put on my mom 's account as a poa, they did not accept the legit paperwork but the problem is i told the branch office where i had been in the first place NOT to run my credit because i did not need a line of credit all i wanted was to be the poa for my mom, XXXX took it upon himself to run the credit report and he did not tell me. i saw it on my credit report for a XXXX line of credit, i closed that account right away i filed complaints with the credit companies explaining i never authorized this and now it has lowered my score and will stay on for several years, i have asked us bank to remove it completely from all credit bureau and they have not cooperated, i called the branch and i called the XXXX number on the credit report and nobody has responded back to me. 
us bank can not do that because i never authorized that. now they took it upon themselves not to put me as poa on my mom 's account and did this line of credit that i did not authorize and did it behind my back, i told XXXX DO NOT RUN MY CREDIT, i had no interest in a line of credit, they are not coorperating with taking this off my credit reports, us bank should be completely off my report
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have a mortgage account with Wells Fargo. 
6 weeks back - i asked this question that if i recast my loan with $ XXXX upfront payment what will happen? 
I got a very useless answer with no specific points but something like " may be you will pay more interest '' ... ever since then i am behind this bank and asked very specific questions : 1 ) will i pay more interest or less interest if i recast with $ XXXX upfront payment keeping the loan term ( tenure/period ) the same. 
2 ) Provide me the entire data - principal as well as interest and lets say if i am doing it from XX/XX/XXXX or XXXX XX/XX/2018. 

Nothing has come out. When i called Wells Fargo..they transferred me three times and 4th time the transfer couldn't happen because XXXX was not there. 

It's very lousy, inefficient bank and good for nothing. They have outsourced all the jobs and really very difficult to work with.