davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I was a Wells Fargo customer for over 25 years. I have always had direct deposit from my employer. On my last payday XXXX XXXX I had made a car payment of approx. {$370.00} and my Cell phone payment of {$240.00}. When I went to the bank to withdraw some money I was told that my account was being closed due to a business decision that was made by Wells Fargo and that any checks or debits would be returned by the bank. They never notified me of this either by email, phone call or a letter. 
Now I have a car payment that was rejected and a cell phone disconnection and my water utility bill was returned as well. Each of the XXXX vendors are charging me a returned check charge a late fee and a reconnection fee due to their bad business decision. After 25 years of banking with them. This is unfair to me the consumer and they need to be held accountable to make my returned payments whole and send a letter of explanation to all of XXXX vendors and compensate me for their bad decision.
Consumer complaint received 2022-01-31
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. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2017-09-28
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. (MO)

I recently had my chapter XXXX Bankruptcy discharged. Most of my collections accounts dropped off completely from my XXXX report. However, with Equifax, they kept collections account information on my report and are reporting this as " open '', when in fact these three accounts were included in my Bankruptcy.. ( XXXX XXXX, XXXX XXXX ). 
Equifax has also allowed two of the creditors that were listed in my Bankruptcy and ( might I add these accounts were fully discharged ), to re-report the SAME information, causing my credit score to drop 43 points!! Equifax has no option on their websites dispute page to dispute the credit score. The creditors that were allowed to re-report the same information were XXXX XXXX/XXXX, this particular account was paid in full PRIOR to the Bankruptcy and no balance due, I only had to report it since I had an open account as well as other accounts with XXXX that did have a balance. The other account was with XXXX XXXX XXXX, according to Equifax, both of these companies re-reported that I had included them in my Bankruptcy that was discharged on XX/XX/2017. This information is totally inaccurate as this has already been reported at the time of my discharge and should not have had any bearing on my credit score since it had already taken a hit.
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (IL)

I received a final incorrect invoice from XXXX, dated XX/XX/XXXX after cancelling my service with them and returning all of their equipment on XX/XX/XXXX. Upon receiving the invoice I tried unsuccessfully to get the balance corrected by phone but eventually ( XX/XX/XXXX ) had to go in person to one of their offices with all my paper work, which proved that the service had been terminated and their equipment returned on the dates I had claimed they were. One of their agents reviewed my account and the paperwork I had brought in, decided I was correct and put in for a credit to remove the overcharges. Two days later ( XX/XX/XXXX ) I received an email from XXXX acknowledging that I had received a credit for {$93.00} which would be reflected on my next invoice, leaving a balance due of {$0.00} on my account. When I did not receive a next invoice, I went online and printed out the final invoice which did show the both that the credit was issued, and applied to my account and that the balance due was now {$0.00}. Despite this I was contacted a short time later ( XX/XX/XXXX ) by a debt collector, ( XXXX XXXX XXXX XXXX   XXXX, XXXX. ) hired by XXXX requesting payment on the original amount. After sending all my paperwork to them they dropped collection efforts. Three months later I received a new collection letter from a new collection agency, CBE Group, dated XX/XX/XXXX for the same {$93.00}, XXXX 's billing error, which they had corrected on XX/XX/XXXX. On XX/XX/XXXX I sent in all the same paperwork, proving that there was no debt with a letter explaining the situation to CBE, however instead of dropping the matter they have continued sending me collection letters for the original amount the latest one dated XX/XX/XXXX. 
The debt collector trying to collect the fictitious debt is : THE CBE GROUP , INC . 
XXXX XXXX XXXX XXXX XXXX, IA. XXXX
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (CO)

I am receiving phone calls from Monterey Financial, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have contacted them to stop the calls. The looked me up and I do not have an account with them, which they verified! They have no procedure in place to stop the calls and want me to give them my social security number, which I refuse to do, and is my right!
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (WA)

On XXXX/XXXX/XXXX, I opened a checking account with Wells Fargo, XXXX, WA. During the timeframe, I was having problems with the checking account due to the systematic problems that Wells Fargo was having with our direct deposits and charges of {$35.00}. The direct deposits were being posted after the incoming bills so I was being charged NSF in the amount of {$35.00}. On XXXX XXXX, XXXX, I talked to XXXX, and she was did not assist me regarding my complaint. She informed me that my daughter who was attending college, I was added to the account, as I wanted to ensure my daughter had sufficient funds for room and board. XXXX, Executive Office, was providing me the information on the direct deposits that were being posted, and informed me that I went over some bills. Thus, being charged {$35.00}. I ask XXXX to mail me the transaction summary in order to review all direct deposits, checking accounts, and charges of NSF in the amount of {$35.00}. told her that I do not know what she is reviewing, and I would like a copy mail to me. She failed to acknowledged my request. XXXX, was unprofessional as she was speaking to me in an unprofessional manner and also too fast. In XXXX XXXX, my husband, filed a complaint with CFPB, regarding the {$35.00} which were approximately XXXX charges in three or four months period. XXXX, Wells Fargo, had contacted us in order to address the issue. However, nothing has been resolved. On XXXX XXXX, XXXX, I talked to XXXX, Executive Office, to inform her that my daughter was having problems with Wells Fargo and that she could n't transfer any money being with hold by Wells Fargo. She is on vacation, and could n't obtain money from her current checking or savings account because she is need of money. XXXX told me that she will try to get a hold of her.
Consumer complaint received 2016-03-23
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: Onity Group Inc. (NC)

I filed a complaint with the Consumer Finance Protection Bureau regarding issues with Ocwen Loan Servicing and it 's predecessors not providing a 30 day FDCPA letter and I was told by Ocwen that additional time was needed and I was later contacted by Attorney XXXX XXXX XXXX informing me that his law firm represented Ocwen Loan Servicing in Complaint No. XXXX. I sent an email to XXXX XXXX as the letter clearly sated to contact him with any questions. I never received a response back from Attorney XXXX XXXX, but I have since discovered that Attorney XXXX XXXX is not licensed to practice law in the State of North Carolina. Valuable time was wasted by Attorney XXXX 's failure to contact me back and my property was sold on today, XXXX XXXX, 2016 at XXXX XXXX after Ocwen informed me on several occasions that the sale had been postponed. Once I had confirmation from Ocwen that the sale was postponed, I went to Ocwen online set up an appointment with my relationship manager to discuss alternatives to foreclosure while the sale had been placed on hold. The appointment was confirmed for today, XXXX XXXX, 2016 at XXXX. I was given a temporary relationship manager as my relationship manager was unavailable for the appointment time. At XXXX, during my appointment time, my temporary relationship manager informed me that the sale was postponed and that I could download the forms for a modification on-line. I called back again after the time that the sale was originally set for only to find out that the property was sold and that Ocwen had provided false statements to me regarding the postponement of the sale. I have attached a copy of the confirmed appointment time which mentions the fact that the sale was postponed along with a copy of the letter from Attorney XXXX XXXX, who is not a licensed attorney in the state of North Carolina.
Consumer complaint received 2015-11-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: National Budget Planners of South Florida, Inc (MA)

I applied for the national student service forgiveness program ( XXXX ) they are from XXXX California. They had me pay an admissions fee for them taking care of my account ( XXXX dollars ). i have been paying XXXX dollars a month since XXXX.They have done nothing to help me and have actually hurt me and my credit severely! I had no contact with them til i learned that my credit was severely impacted. The information they had ( email, telephone number, address ) were all wrong and they were not updating my information to the federal student loan people. So i was no receiving any information that i needed to know. i had called to see what was happening and they told me i needed to renew my account after a year. well it had only been 6 months. I was told that i had to send in my pay stubs in ( i faxed them ) order for them not to send my information to the credit bureau. Well that was also a lie, that night i checked my score and it had dropped XXXX pts. Ive sent this company my pay stubs, my information, my social security number as well as my bank account number. In the process they were not communicating with the XXXX XXXX XXXX, who are my actual loan holders, so i learned that i was supposed to be making payments and i never did because this company told me they were handling my account. So on my credit report i was told that i was 120 days late on payment, when in reality i was told that i would not need to make a payment. NBP put a forbearance on my account which the federal loan services noted they did. I was also told that after 10 years of paying ( NBP ) i would have all my loans forgiven. well that was also false because i do not qualify for that type of forgiveness.They are a fraud and never give you the information you need. They told me i could get the public loan forgiveness program when i only qualify for XXXX of the XXXX requirements for this program. It makes no sense to pay a company to help you maintain your loans when they just hurt you in the process. The federal student loan services have helped me understand why this company did what they did and now i think it needs to be noted that they cant keep doing this to students who are struggling to pay for their loans.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

A representative from Midland Credit Management threatened to sue me five times over a debt allegedly owed by my wife. They falsely claimed that debt validation had been emailed to us, but all we received was a bill. When I brought up the Fair Credit Reporting Act during the conversation, the supervisor who joined denied that any threats had been made. Despite my repeated requests for debt validation, they continued attempting to collect the debt and making threats. After the call ended, they even called my wife, despite the supervisor promising that we would not receive any calls for 90 days until the debt was validated. They also claimed to have mailed debt validation, but we never received it. When I asked them to provide tracking information, they couldn't, and I requested they send it certified. The conversation ended after that.
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I deposited a {$5200.00} check at the branch on XXXX/XXXX/2016. The Branch manager that came to sign off on the check told me that it 's asking for a 7 day hold due to negative balance and past overdraw charges. The issuing bank for the check for the insurance company was XXXX XXXX and I told her I can go to XXXX and cash the check at the bank and deposit the cash do do n't have to wait 7 days, and then she said she would sign off for the funds to be available on XXXX/XXXX/2016. I asked her if she is sure, since I need to write bills and she said yes. On Monday XXXX/XXXX/2016 I called the Bank and asked why the hold was not released I was advised they are unable to release the hold until 5 business days after the deposit date and to call back Tuesday the XXXX/XXXX/2016. I called on Tuesday and was told to call back on Wednesday, so I called today on XXXX/XXXX/2016 and was still advised the hold will not be released until Friday XXXX/XXXX/2016. It has been already 7 days since the deposit and 5 business days and hold has not been released after I have been promised it would. I got another check from the insurance company and had to go to XXXX XXXX to cash the check and make a cash deposit of {$2800.00} on Monday XXXX/XXXX/2016 to cover the negative balance since the hold was not released on XX/XX/XXXX as I was promised and the account went negative and I was charged fees. The insurance checks were a payoff for my motorcycle and I 'm purchasing a new one with the proceeds I got. I want a refund for all overdraft charges on the account from XXXX/XXXX/2016, the date I deposited the check and I need at least XXXX of the funds to be available on Thursday XXXX/XXXX/2016 for my down payment. Otherwise, I 'm going to miss the incentive promotion that the dealer has going, XXXX off the value.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I am in a loan modification with Bayview Loan Servicing and they had a notice of default filed against my owner occupied home without any warning. I am still furnishing info to them see attached documents. I contacted the foreclosure company with no response also Bayview has not responded.
Consumer complaint received 2016-10-18
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TN)

i hired Pay map company to collect my mortgage and give to XXXX XXXX XXXX. We agreed that it would be twice a month but they took 4 times a month for more than two years which made me over draft along this period and i paid fees and i had family problem as well they promised me to shortened the period of mortgage term but they deceived me.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I had done a charge back against XXXX XXXX with my bank because they lied to me about the price of a phone that if I paid off my old phone I could get the new one cheaper the lady I talked to at XXXX XXXX told me to let my bank know that she would approve the charge back so I told my bank they did the charge back of {$660.00}. This was back in XX/XX/2023 this all happened i woke up today XX/XX/2023 to a negative balance in my checking account of {$660.00} come to find out my bank did a reversal of the funds and with no warning no letter telling that they were going to do a reversal of the dispute nothing. XXXX told me they would agree to giving me back my money so my bank had no right to sit and reverse it back after they already allowed me to do a charge back 4 months ago and gave me the money. I am now negative bank balance and I can not afford to pay for this mess up my bank caused they wont work with me they dont even seem to care and I dont know what to do Im living pay check to pay check as it is this is not my fault what happened this is my banks faults not mine. Oh and if my bank wants to know I did call XXXX and told them I opened another dispute with you for them and they told me they were going to again refund the {$660.00} cents so you cant sit and tell me another lie that XXXX didnt agree with the refund cause they just did just like they agreed 4 months ago to it too honestly I really do feel like my bank is straight up trying to scam me and if this is not resolved I will be seeking legal help.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (FL)

In regards to the Bridgecrest auto loan that was paid in full, there were two 30 day marks added on XX/XX/XXXX & XX/XX/XXXX. I was in an auto accident and the car was totaled at the end of XX/XX/XXXX. On XX/XX/XXXX, my  insurance agency XXXX sent a check to pay the account off out on XX/XX/XXXX. On XX/XX/XXXX I received  another notification from XXXX that a new check was resissued to Bridgecrest as the original check dated XX/XX/XXXX was never received by Bridgecrest due to XXXX sending the check to the wrong address. This in no part is my fault and the two late marks received should not be on my credit. I have asked Brdgecrest to  correct the reporting and they state that they have no capabilities to make the corrections which I know is not true. I am a Veteran trying to purchase my family a new home and these two false late marks are keeping me from doing this. Please help!
Consumer complaint received 2016-04-12
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I have received 3 phone calls in regards to check smart from a company claiming to be called " Corporate Office '' in regards to an unpaid balance ( which has been paid and I have my receipt ). They have called me three times in the past two days, XXXX number they have to call back does n't work ( XXXX ) XXXX XXXX ; had to do a XXXX search to find a working number and when I got through to someone her name was XXXX XXXX, she was EXTREMELY rude and not willing to help me unless I gave her my SSN, so I asked for a manager becaue I had no idea who the company was and why they were calling. Then the manager offered to look me up with an address and name ; she only asked for XXXX identifiers rather than XXXX which is also required through the FDCPA in regards to debt collection. Then she said I do n't know why we called you paid sorry. Then when I tried to explain that her employer was extremely ruse she told me that it did n't matter because they were n't protected by the FDCPA and to have a nice day.
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bryant Bryant & Associates LLC (CA)

Received calls from " Bryant Bryant and Associates '' stating that I owe money on a bounced {$500.00} check from 2010. Never happened! The bank and account number they gave me was either fake or belonged to someone else. I asked them to send documentation and they refused, saying they did n't need to provide documentation. The woman on their end became very pushy and belligerent. I did not give them any information, and I clearly stated that they were not to call me anymore. They tried again anyway. I have now blocked their number on both my home and cell phones.
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (OH)

We have not received our disbursement check from Roundpoint Mortgage Servicing Corporation. The loan officer at XXXX ( who did the financing ) confirmed the loan was paid off on XX/XX/2016, the {$2100.00} was disbursed to us on XX/XX/2016. He was quick to get back to me. I contacted Roundpoint online thru my account and their secure message center. They have not responded. I have logged another request to them today asking why they have not gotten back to me. I also spoke to them on XX/XX/2016 inquiring about the delay. The representative told me to wait another week. It is now 16 days later since the disbursement and we have not received " the check in the mail ''.