davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (TN)

I was an account holder at Wells Fargo Bank, I had numerous of unauthorized charges on my account. I contacted Wells Fargo and informed them on the charges that where put on my account. I sent them a police report and as well, next thing I know they froze my account until further notice and then I was told that my account was being closed, because of a business decision. I called corporate and the fraud department and they wouldnt let me talk to anybody but one specific department that told me that they didnt know why my account was closed, but it was a business decision. I never had a problem with Wells Fargo until I reported that thousands where taken out of my account without my consent. They held the money that I did have in my account for two weeks and I practically begged them to release my money because I had to pay for school and my daughters tutition. They only gave me half of my money and then released the rest later, and stated that if any other charges occur I will be charged for it. And if anything was left over they would send it to me in a check.
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Altisource Portfolio Solutions, S.à r.l. (IL)

I started receiving emails in XXXX of 2015 from XXXX regarding update of credit card associated with an account for which I had made a purchase. I had been reviewing my checking account and noticed that the funds were being taken out so I disregarded the emails for those couple months. My balance had been pain off ; However, I was still receiving these emails. I followed up with XXXX and was notified that there was an additional account in my name and address for merchandise that I had not purchased. I notified the rep that this was not a purchase made by me, and she agreed that the card and name on the card used did not match my account name, although it did not match my address. I later received notice from a collection agency regarding this matter. I followed up with the collection agency and let him know that this was not a purchase made by me. They notified me that the only thing they can do is receive payment on the debt that is in my name, they can not change any names or transfer debt.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (GA)

I previous filed a complaint against this company for trying to collect a debt I do not owe. This company has ruined my credit and continue to try and collect a debt that I do not owe. I received a letter from the collection agency stating they reported I owe a debt for {$580.00} to the credit bureaus. I continue to dispute this debt over and over. With this company false allegations and continuous aggressiveness to pursue a debt they know I do not owe has caused a tremendous amount of stressed to my family and should be held accountable for their actions.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than 90 and 120 days past due with XXXX and more than 30 days past due with XXXX. The Credit Bureaus including Equifax , XXXX, and XXXX are in violation of the FCRA.
Consumer complaint received 2015-07-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MD)

My Experian credit report shows a write off on my Wells Fargo Dealer Services account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX as well as XX/XX/XXXX XXXX and XXXX XXXX. I have made repeated attempts to clear this up. The account was paid in full in XXXX XXXX with no late payments or write offs. The account was opened in XX/XX/XXXX XXXX for a 48 month car loan. I received the tile release and a letter stating the account was paid in full in XX/XX/XXXX. 
Now they are claiming write off? I have called and written Wells Fargo and they tell me they do not know. There is no way after sending a paid letter and a lien release that they would write off something in XX/XX/XXXX and XX/XX/XXXX.What car loan company send a title release when the vehicle is not paid for?
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

After my income dropped and I exhausted all my inheritance in XXXX of XXXX, I made my last payment of {$2800.00} on my first mortgage loan with Wells Fargo Bank. I then contacted their Home Loan Department to see if I would be able to apply for a loan modification. I was given a 3-month moratorium to complete the loan modification application process. I filled out a modification packages at least nine times, each time to no avail. The bank kept asking for the same information over and over again. Finally out of frustration, I contacted the legal department of the California XXXX XXXX in XXXX of XXXX. The XXXX then contacted Wells Fargo 's legal department on my behalf. Shortly thereafter, in XXXX of XXXX, a Loan Preservation Specialist situated in a local XXXX branch contract me. I filled out yet another modification package and was denied again sometime in XXXX XXXX. 

In XXXX of XXXX, another Specialist from the Recovery Care Department contacted me. I worked with this Specialist for well over a year. And in XXXX XXXX, I was denied again, because for the first time, Wells Fargo informed me that the investor holding my loan was not part of the XXXX program and because of the type of loan I had, I was not eligible for any kind of loan modification. This after a whole year of providing the same paper work over and over again and obtaining a commitment from XXXX to provide funds towards paying down my arrears! Did n't Wells Fargo know from the start what kind of loan I had? 

On XXXX XXXX, XXXX a notice of foreclosure sale was posted on my front door. A week later the sales date was canceled. On XXXX XXXX, XXXX there was another notice posted on my door with a sales date for XXXX XXXX, XXXX. That sales date was also canceled because I filed for bankruptcy on XXXX XXXX, XXXX. As part of my bankruptcy case, my attorney and I attempted to use the XXXX Program, wherein I would make provisional loan modification payments of 31 % of my gross monthly income to the bank through the chapter XXXX trustee, which I have done faithfully for the last 6 month. However, today Wells Fargo informed me that my income would have to double in order for it to grant me a loan modification. While I have no doubt that I will be able to get my income back to where it was before the recession cause my real estate sales income to drop ; I thought the government supported loan modification programs were supposed to take my income as it is today and help me find a loan modification that works for me, today.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

I have a mortgage with Chase, loan number for my condo in XXXX which I have been paying regularly with automated payments for over two years. Last month, I decided to get my mortgage refinanced with XXXX as the rates provided by them are lower than my rate. Chase has informed XXXX that they have lost my mortgage note and hence are stonewalling my efforts to refinance my mortgage with their competitor. This is an outrage as it prevents the customer from getting the best deal possible from a competing institution. I need a remedy and assistance in resolving this matter as it is preventing me from achieving significant savings.
Consumer complaint received 2022-11-14
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. (AL)

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX XXXX Account # : XXXX Balance Owed : {$240.00} Date Opened : XX/XX/2021 XXXX XXXX Account # : XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/2021
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (PA)

I XXXX XXXX XXXX attest and affirm these facts to be true to my knowledge, I am a victim of identity theft by fraudulent conveyance. The individual known as XXXX XXXX committed the fraud while residing with me. XXXX XXXX was placed as a authorized user to purchase airline tickets fro travel from XXXX to XXXX with mutual agreement to repay the debt accrued for the emergency trip.XXXX without authorization than altered the credit card account with JP Morgan Chase to max out the card to the sum of {$12.00} XXXX without XXXX permission & opened a additional XXXX XXXX merchant card. I can verify this claim with additional documentation to be submitted to your organization and the credit reporting agencies, XXXX, XXXX, XXXX upon your request.XXXX has sent electronic correspondence via text verifying his actions & deeds with intent to repay however currently has avoided contact and evaded payment of the debt acquired. A police report has been filed with the City of Police Department XXXX # XXXX and a civil suit is being filed with the Office of Judicial Records / City of XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-08-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I need assistance in obtaining a HAMP modification through my bank Wellsfargo. I am currently 30days behind in my mortgage. I reached out Wellsfargo and requested a loan modification back in XX/XX/XXXX. They stated I was denied for the loan modification due to my income. When I purchased my home back in XXXX I was working for a facility called XXXX in NJ. I was making XXXX per hr. The facility I work for was bought out by XXXX due to the buy out they laid off all the XXXX employees. I was laid off for 1 yr. I was not able to find work so I went back to XXXX XXXX and they rehired me at XXXX per hr. Recently I received a raise to XXXX per hr. I did receive assistance thorugh a state program XXXX. They paid my mortgage for 2 yrs. As of XXXX I took over the payments of my mortgage and been struggling to pay the current monthly payment of XXXX. I reached out to Wellsfargo for a loan modification and sent in all my information and received a denial. I understand that there is a program out there call HAMP that I would like to be considered for and I do not believe that Wellsfargo ever placed me into. I need your assistance in getting Wellsfargo to assist me in obtaining a loan modification under the HAMP assistance program. I am only 30 days benind in my mortgage payments and Wellsfargo has thrented me with forclosure proceedings if I do not become current in my mortgage.
Consumer complaint received 2016-07-27
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (OR)

I was left a voice message on XXXX/XXXX/2016 stating that I had a court summons against me and that I was in danger of missing my court date. The message did not identify the person calling but said she was calling from XXXX and that the issuer was XXXX XXXX XXXX. 
I called back and was greeted by a man with the word, " Litigation. '' -as if his department was the " litigation '' department. He identified himself by name and said he represented XXXX XXXX. He told me that several warrants and court summons had been sent to me by mail and that I was being sued, that there were allegations against me including " fraudulent abuse of contract. '' He read an old credit card account number to me and said that I owed over {$1600.00} on said account, that plus the pending court judgement could cost me " up to {$4000.00}. '' I had a record of my debt and the last amount I had recorded on this account was about {$500.00}, not the amount this person was reporting. I told the man that I had not received any court summons in the mail and he acted suprised and said he " would be delivering the summons to me in person tomorrow '' and that I would have to appear in court. I began to feel suspicious at this point. 
He asked me if I was willing to settle this debt today for {$900.00} and I said yes, but I still felt suspicious so I told him I would have to call him back.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Our complaint is that Wells Fargo did XXXX appraisals of our home, but have only shown us the second appraisal. We believe that the first appraisal reflects the true market value of our home. And, the second appraisal was used to support their inflated counter offer. Wells Fargo claims they can not find the first appraisal, even though this first appraisal was done at approx. XXXX on XXXX XXXX, 2015, by an XXXX named XXXX, who was hired by Wells Fargo. We find it highly unusual that they are unable to locate the first appraisal done XXXX/XXXX/15, and are only able to locate & share with us the second ( inflated ) appraisal done XXXX/XXXX/15. 
Here is the timeline : In XXXX of 2015, we made a request to Wells Fargo ( WF ) to do a short sale. 
XXXX XXXX, 2015-WF requested to schedule an appraisal of our house ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - XXXX did an onsite appraisal for WF at our house. Our agent XXXX was there with him ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - We submitted a $ XXXX cash offer to WFAfter WF saw this $ XXXX cash offer, they ordered a second appraisal of our home. 
XXXX XXXX, 2015 - WF did a second appraisal of our homeThis second appraisal produced a home value of $ XXXX believe this value to be significantly higher than the true value of our home. 
XXXX XXXX, 2015 - WF denied the approval of the $ XXXX cash offer & countered at $ XXXX this counter offer was made, the buyers pulled out of the transaction. 
We have requested to see all appraisals done by WFWF gave us a copy of the second appraisal only, of $ XXXX ( which was done after they saw the $ XXXX cash offer ). 
WF can not locate the first appraisal. 
We believe that WF is using the second appraisal to support both their denial of the $ XXXX cash offer & their counter offer of $ XXXX believe the first appraisal would be significantly lower than $ XXXX, and more accurate for the true value of our home. And, therefore, we would have multiple offers to submit as adequate back-up offers.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (MD)

A complaint was filed with Wells Fargo regarding my daughter being associated with a credit card. Wells Fargo sent a letter to my daughter informing her of the deletion of the account and it being removed from her Credit File. I just recently discovered that during this process Wells Fargo changed the account number and then associated my name with my daughter 's Social Security Number. Also the letter referenced above and attached states remove the account ending in XXXX but my daughter and the credit bureau did not receive a letter to remove the newly created account number. The account that belongs to me was removed from my credit file and remained on my daughter 's credit file. This is causing a major problem because she was in the process of applying for a mortgage. So I am dealing with Wells Fargo associating my name with my daughter 's Social Security Number and I am getting pushed around from department to department, customer service reps in call centers that just read notes. Switching Social Security numbers is a serious issue that is now affecting us both. I am asking for Wells Fargo to first correct the social security number problem that was created by them ; get the account back in my social security number and have the credit bureau remove my daughter 's name from everything associated with this account which is what Wells Fargo said they would do.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

When I closed on my mortgage with Wells Fargo many many years ago, one of the payment/payback options was bi-weekly payments. Thus, I have been paying bi-weekly for years. However, they never apply my bi-weekly payment when received. They just hold on to it ( thus getting the extra float time credit ). I lose by paying more interest since it does not get applied to the loan immediately. Then, once per month, Wells aggregates all my payments for the month and makes a single payment against my loan, thus applying it at that time against my principle. I personally think this is deceptive/unfair as they get all the extra benefit and I get no relief since they sit on at least half of my payments for at least two weeks before applying it to the loan. Hope that makes sense.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been working with Bayview in regards to a loan modification to avoid foreclosure. Since the initial start I have been provided the constant run around and being told documents are not being sent in when in fact I have proof they have been sent in. I am unsure why they are playing these head games with me and making me more XXXX and hoping that I give up so they can sell my house. Bayview should have ALL documents they are asking for and there should be no reason to keep asking me for the same documents over and over again.
Consumer complaint received 2017-01-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Phoenix Financial Services LLC (MI)

i called them asked for proof of what debt was they told me some old hospital bill i asked for information from them so i can prove it wasmt mine amd was due to identity theft they refuse to send me info refuse to remove it its fraude they XXXX its from years ago i was a victim of identity theft and theybrwfuse to help or remove it
Consumer complaint received 2016-07-12
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phoenix Financial Services LLC (GA)

I received a call from XXXX with Phoenix Financial Services in regards to a debt of {$1000.00}. Information was given all at once and a payment was immediately demanded. I informed XXXX that I did not understand all of the information and began to ask questions- such as who reported the debt, how much is owed, by when, and the company name. With each question XXXX would raise his voice and shout the answers over me as I was talking. I informed him that I was a college student, and that I would speak with my Husband regarding the bill and asked to call him back. On this phone call I was presented with the amount of XXXX. 

When I called back in, I advised XXXX that I would have {$400.00} from family, but that I did not know when I would have the rest. He advised for the second time " your doctor will only settle for XXXX % off the original bill ''. Since this was the second time I heard this statement I asked for my doctors name. The question went ignored. I then asked again, and I was advised " the company will not settle. '' At that point I believed that my doctor was over my debt, not the company. I then was informed that Phoenix Financial Services had bought my debt. In the attempt to settle my debt with all companies, I asked that my bill be sent to me in writing. XXXX offered an email, and I declined. I expressed my fear that in the future my agreement may be revoked, and that an email would not be accepted- as emails can be altered. He denied saying he could not mail it to me. At that point, I again requested it in the mail. He said no, and that he was taking my discount off the table. Because I was threatened to pay more, because I requested a bill- I knew it was time to talk to someone higher up. I then requested a supervisor, because XXXX had begun yelling that a bill was already sent. I explained that although a bill had been sent, I had yet to receive it- and that I wanted an updated copy so that I could send in the agreed upon amount. At this point I was threatened because I requested a bill, then I was yelled at. If this is not abusive language- I do n't know what is. 

I spoke with his supervisor, XXXX who had no issue mailing out my bill. I advised her of my concerns- but no action was taken agains XXXX treatment of me.