davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Good afternoon, I would like to know if there is a consumer protection law that protects individuals against wrongful foreclosures? 
Wells Fargo did an auto draft from my account twice a month for eleven years. It turns out that Wells Fargo applied my monthly payments to a wrong account for six months and foreclosed on us. I found out that I was being foreclosed on by a piece of mail sent to me from a lawyer stating how to avoid foreclosure. I looked up my credit report to find out I was in per-foreclosure. My wife contacted them and told them what was happening and the Wells Fargo employee stated that they could see on the computer where our money was going, but they could not pull it out of the wrong account and apply it to the correct account because we were in the process of foreclosure. 
There was no written correspondence or phone calls prior to being evicted. Once the foreclosure took place, we were contacted by Wells Fargo 's appointed lawyer and real estate agent, both stated that they wish they could say this was the first time, but it was not. Do I have any retribution? 
We contacted six lawyers and none of them would take the case. They all said that they did not want to go up against one of the big banks. They also stated that in the Commonwealth of Virginia, the state will side of the lender ninety-nine percent of the time. This is wrong and something needs to be done. 
I feel that this all started when my wife inquired about a loan modification and we were told that we did not qualify. Shortly afterwards, we were contacted again and were told that they made a mistake and that we did qualify. My wife resubmitted paperwork and they did nothing with it. It was approximately six months later, we found out that we were being foreclosed on by a mail advertisement. After research, many others have been foreclosed on when they did loan modifications or inquired about it. This information was found on XXXX XXXX website. 

V/R XXXX XXXX
Consumer complaint received 2018-11-05
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: WELLS FARGO & COMPANY (SC)

On XX/XX/2018 Wells Fargo and XXXX XXXX were sent letters of validation via certified mail. The return receipts show Wells Fargo 's letter was received by XX/XX/2018 and XXXX XXXX letter was received by XX/XX/2018. I heard no response from XXXX XXXX until XXXX XXXX-which you can find in the attachments they provided in my last complaint made to them. Well pass the 30 days allotted by federal law to respond to a debt validation letter. Wells Fargo sent a letter dated XX/XX/2018 but the post mark date reflects it being in the post office 's possession XX/XX/2018, per the corrected post mark date made by the postal service. In the envelope sent by Wells Fargo they were requesting additional information 29 days after receiving the VOD letter and waited almost a week to send the letter off, which also shows lack of priority and willingness to follow federal law which states the company has 30 days from the date the letter is received to postmark a response. I filed a CFPB complaint and have contacted the 3 major credit reporting agencies of this neglect and the items still remain.
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (CA)

I got a car loan XX/XX/2018. My car loan was sold back to dealer due to dealer overcharging and adding extra fees. I was not informed that the dealer bought back loan on XX/XX/2018. I continued making payments to finance company and they kept accepting it until I checked my balance on XX/XX/2018. It shows payment excess of {$510.00}. I call about it. I was informed I had to wait 21 business. I wait well past the 21 days and then was informed that they don't have my money that they gave my money to the dealership. I did not authorize that.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

I am not liable for this debt ( s ) with XXXX XXXX XXXX as the original creditor, corporate offices located at XXXX XXXX XXXX, XXXX, MA XXXX. I do not have a contract with XXXX XXXX XXXX ( XXXX ) located at XXXX XXXX XXXX, XXXX, MA XXXX. They did not provide me with the original contract as I requested. The Items are listed as two separate accounts and amounts owed ( {$640.00} and {$160.00} with a partial acct # XXXX listed on one ) .These items were purchased by a third party debt collector. This account ( s ) must be deleted as the status is not justified in any way, appropriated for less than the amount alleged to be owed. How much did the collection company pay for this item ( s )? I don't know and neither does my credit report ( s ) reflect such amount. 

This is a clear violation of FCRA as this activity is not accurate, or complete.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My credit card was blocked by HSBC while i was having my vacation in XXXX. I have made a complaint regarding this issue and CFPB has closed the case after the company responded. However, I am very disappointed and dissatisfied with the respond and answer given by HSBC.The previous complaint case is XXXX. 
I have received the HSBC replied letter on XX/XX/2018 and followed their instruction by signing and sending back the document on XX/XX/2018. On XX/XX/2018 I finally received a call from HSBC which mentioned that their call was to unblocked my card. The staff verified me by asking me some questions and i got transferred again and put on hold on the line for more than half an hour. They're really treating their customer as XXXX by transferring here and there. Finally, my card was unblocked after i made a call on XX/XX/XXXX again which i have to gone through another round of verification. 
I totally dissatisfied with services and treatments that HSBC ( who claimed they're world class bank ) treating me. Firstly, before HSBC approve my card, isn't the company has done all the necessary verification and checking? As a huge and world class bank, i have doubt their policy and compliance. Secondly, If i did not made a complaint through CFPB, I think my card still is under status blocked which nobody from HSBC cares. Consumer like me is totally disappointed with this kind of treatment. Thirdly, from the letter that HSBC replied that they mentioned they unable to compensate me the bonus points as it is still under the promotion period which ends XX/XX/2018. This is totally unfair to me as the promotion period supposedly to be three months. However, HSBC has blocked my card and do not care to take up my case for more than two months. Yet they replied me that my card is still under promotion which is from XX/XX/XXXX where my card was finally got activated until XX/XX/2018. How ridiculous is this. Last but not least, I was unable to shop and buy the items i wanted during my vacation in XXXX. It was really a very negative memory and disappointed two weeks vacation which i have to kept calling the so called word class bank and spent on my limited cash on hand. 
In addition, if the HSBC has done their checking and compliance properly, on XX/XX/2018 I could have spent more than XXXX dollar at the XXXX outlet. Which means, I have qualified for the bonus points on XX/XX/2018 and I have the evidence that I got rejected due to my card was blocked. It was so embarrassed that I kept trying and got rejected in the jewelry shop where everyone looking at me.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

There is a Debt with XXXX XXXX XXXX for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
Consumer complaint received 2018-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

The problem I am currently having is the repayment portion. I've been paying on my student loans faithfully and the balance I owe is higher than the amount that I initially borrowed. It seems like I'm only paying interest and my balance is getting higher and higher.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I contacted Santander to request two late payments to be removed and was told to file a complaint or dispute instead ; Santander will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (GA)

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. 
I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I'm only employed at : XXXX XXXX
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (NJ)

My initial complaint was filed with the FDIC, who forwarded on my complaint to you case ( # XXXX-XXXX ). I would like to clarify that this is not the first time I have been charged overdraft fees by BRANCH BANKING AND TRUST COMPANY. 

As I have often reviewed my statement on a daily basis, I noted that BB & T practices in " Misrepresentation of account balances and reordering of credits and debits to push customers into overdraft, allowing the banks to collect bank overdraft fees. '' I have noted that in reordering of credits and debits often occurs between XXXX-XXXX XXXX, when one is typically asleep. I have contacted BB & T on several occasions and explained this practice was occurring. Their operator has reported to me that that is just what happens. I have lost hundreds of dollars over the years to BB & T because of their reordering. I have often been charged, despite a credit coming in at same time ... but they conveniently reordered it so I would fall into overdraft. 

As a consumer I am tired of being robbed by this banking system and would like ALL of my fees over the years returned to me as factually, this practice is illegal. 

I have decided that from now on I will be recording ALL data that pertains to these " overdrafts '' and will be forwarding the documentation to you. But, I am sure that requesting data from their computer systems will clear this up, as it is clearly evident of their practices.
Consumer complaint received 2018-11-06
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: IQOR US INC (SD)

A representative from Allied Interstate contacted someone related to me but not associated my account in any way on XX/XX/18. This company had been told twice previously not to contact that person but the representative did anyways. They also left detailed information regarding my account and the debt on a voicemail. I am reaching out to Allied Interstate to reach a resolution. I just wanted to make a formal complaint since this representative acknowledged on the voicemail that there were notations not to contact that third party number but he choose to do so anyways.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NV)

There is a Debt with Credence Resource Mana for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
Consumer complaint received 2018-09-07
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. (MI)

I have disputed the collection account from '' XXXXXXXX XXXX XXXX  '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello, On XX/XX/XXXX I enrolled into a repayment program with the company XXXX. Beginning on XXXX, and continuing on XXXX, and XXXX, monthly credit card payments were deducted from MY bank account towards my balance with XXXX. 

I was told that after my last payment on XXXX that my account would be made " current '' on their end internally, and that I would receive a new statement, and updated balance to be paid in XX/XX/XXXX. I was also told that my account wouldn't be considered late, or reported to any CREDIT REPORTING AGENICES, as I was making the agreed upon payments. 

In XXXX I began receiving " account past due '' phone calls, letters and emails ; despite having made 2 payments at that point. I contacted XXXX, and was told that this was an error on their end, and that it would be corrected, and my account was not being reported as being delinquent, on either their end or with the credit agencies. 

Two days ago, on Saturday XX/XX/XXXX, I received notice in the mail stating that my account was more than 60 days past due, and after checking my CREDIT REPORT, I noticed that XXXX had reported me for nonpayment. I spoke with XXXX again, today, XX/XX/XXXX, and was told that my account will be update by mid-month, but that the customer service representative I spoke to couldn't correct the INCORRECT issue report to the 'Big 3 ' Credit Bureaus. This is what they told me last month, and their incorrect, and deceptive practices are effecting, i.e., lowering my credit score.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

In XX/XX/2016, after reviewing my credit i decided to face that GIANT and do something. I began writing out letters to all outstanding debtors and asking to pay back at reasonable increments. Once one stone is gone I'll increase and knock down another. I was excited. Few months go by and I'm now receiving letters of garnishment, one agency was already garnishing me without notification. I fell ten flights backwards. My rent fell behind, i wasn't eating properly cereal or hot dogs, now getting sick medical bills, copays can't pay. I almost regretted my move BUT i knew there was a way better than the way these lenders and collection agencies were going about business. I have read that federal loan lenders can work with you. Private lenders are much harder once defaulted. I tried any way and federal and the privates spoke to me with such insensitivity. One agent actually told me to " STOP paying rent and eating for a year and my loan would be paid. '' I just want to pay back at a $ $ amount I can afford. No longer avoiding just resolving. 
I literally had to tell myself to breathe.
Consumer complaint received 2018-11-05
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. (OH)

I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.
Consumer complaint received 2018-09-07
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Performant Financial Corporation (TX)

Performant Financial Corp ( whichever collects student loans debts ) called me at my place of employment ( XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX, TX ) in order to collect a debt. They embarrassed me by asking my co-workers where I could be located and how I could be contacted. I ended up giving them an {$800.00} lump payment and entered a " loan rehab program '' which was monthly payments of {$50.00}. 

I contacted Performant this morning ( XX/XX/2018 ) and spoke with " XXXX XXXX. '' XXXX could not provide his employee number for Performant. 

XXXX acknowledged that Performant did in fact handle my account but when I asked him where my money was applied to, his answer was " I don't know. '' I then asked him if he knows where my money is at all and he responded " I don't know. '' Performant also informed me that they had garnished my tax refund. That was a lie. I have filed other CFPB complaints concerning the return of my 2018 tax refund by the XXXX XXXX XXXX XXXX to the tune of {$2000.00}.
Consumer complaint received 2018-09-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NJ)

I bought an item that XXXX my XXXX, XXXX, and XXXX and Chase refuses to return the money in the amount of {$210.00}. I am scared to go back to XXXX XXXX because they may try to XXXX me. I need my money back from XXXX XXXX, they have sold me two things with dust on them that don't work.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NATIONSTAR MORTGAGE LLC (PA)

Nation star mortgage company became Mr. Cooper. I had a mortgage with nation star and nation star was reporting to the credit agencies when it became Mr. Cooper then Mr. Cooper was reporting to the agencies simultaneously with nation star. After checking my credit report I saw that it look like I had two mortgages one with Mr. Cooper and one with nation star with the exact same information. I called Mr. Cooper and they told me that it was illegal to report under two different names. My credit report shows the exact same information from nation star And Mr. Cooper. Mr. Cooper refused to do anything about it. I saw this on XXXX and XXXX.
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (CT)

XXXX XXXX withdrew over {$1100.00} from my XXXX XXXX XXXX account to satisfy 2 credit card debts, under false pretenses. They claim I authorized, verbally, and instructed them to do so. I did not have these funds available, and this caused my account, overdrafts included, to plummet to $ XXXX. 

These verbal conversations never happened at all. I did not speak to anyone from XXXX, much less instruct them to do so. Who would instruct someone to withdraw money that they knew wasn't there? It was an absolute lie and I am attaching these letters. My phone records show that no call took place on XX/XX/XXXX, as they claim happened. I received letters thanking me for my verbal consent and instruction to pay in full. 

XXXX did reverse the charges for my account, but it's frightening that collections departments at a bank think they can create a consent that didn't happen. I did consult an attorney when this happened, and he advised me to work with my bank, XXXX, and file a complaint with the Attorney General 's office about XXXX.