davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
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. (MD)

I've submitted disputes over 10 times about my XXXX account being reported incorrectly. 

1st Issue I applied for one student loan and the student loan is paid monthly but they split my loan three ways because the one loan that I was approved for had three separate deposit dates to my school ; even though they were sent three different dates - It is still one loan that I signed off for and applied for- I didn't apply for three separate loans - So, it should've never appeared on my credit as three separate XXXX accounts. 

2nd Issue XXXX is currently with ONE LOAN reporting me as having 18 late payments for one loan and is reporting it as 3 separate loans with 6 missed payments each. Again, I did not individually go in and apply for three separate loans. I applied for one loan. Example being : Car company can't give you a loan and split it three ways and say one is for suspension, one for engine, and one for transmission. It is one car. Regardless of the multiple components it is one car. Why is my ONE loan being reported as three ; bullying me into handing me 18 missed payments for the reality of what should've been reported as 6 missed payments 3rd Issue XXXX signed off and gave me a XXXX Hardship Forbearance. Regardless of when that was submitted - Law states that any information that is supplied to support credit issues should be updated immediately. I've submitted a XXXX forbearance letter that is for the full 6 months of late payments XXXX gave me. 

Those late payments should all be blank dates on credit report because they were placed under hardship forbearance
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (OR)

I returned multiple receivers and remotes to XXXX in XX/XX/2019. A debt collector called me in XXXX and I submitted all my documentation and confirmed in-person to XXXX that my account was resolved and in good standing. 

Suddenly a new collector, Receivables Performance Management | XXXX XXXX XXXX XXXX | XXXX | WA | XXXX is contacting me. 

I do not owe this debt and they are not authorized to be contacting me.
Consumer complaint received 2020-06-05
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: Experian Information Solutions Inc. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX {$2700.00} XXXX {$1300.00} XXXX {$580.00} XXXX {$410.00} XXXX {$2300.00} XXXX {$330.00} XXXX {$590.00} XXXX {$840.00} XXXX {$500.00}
Consumer complaint received 2020-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I received a notice Navient has put interest on my student loans when interest is suspended until XX/XX/2020. My balance went up when I received the notice on XXXX. They haven't suspended the interest on my loans. They have charged XXXX.
Consumer complaint received 2020-03-10
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: Experian Information Solutions Inc. (AZ)

I'm contacting you and your companies because my identity has been stolen and compromised inwhich fraudulent accounts been opened and closed in my name and I'm demanding that these accounts be removed and blocked from my credit file. What Method of Verification was used within your reporting system in order to process these accounts. Please remove these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX/ DEPT Of ED
Consumer complaint received 2020-06-05
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX {$1000.00}
Consumer complaint received 2020-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Purchasing a home on XX/XX/20 Received email and fraudulant wiring instructions from XXXX posing as my title agent. 
From : XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/2020 XXXX XXXX  To : XXXX, XXXX Cc : XXXX XXXX Subject : XXXX XXXX XXXX XXXX, PA XXXX ***This email is from an external source. Only open links and attachments from a Trusted Sender. *** Hi, You need to have the CASH TO CLOSE funds wire to our trust account today to avoid closing delay so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledge the receipt of this email, I will be busy with limited access to my phone you can send me an email if you need anything else. 
Sent from my XXXX I called my title agent to confirm wiring instructions & process. Luckily, my real title agent had already educated us on wire fraud. No funds were sent, but I think this email address XXXX should be investigated..
Consumer complaint received 2020-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm contacting you and your companies because my identity has been stolen and compromised inwhich fraudulent accounts been opened and closed in my name and I'm demanding that these accounts be removed and blocked from my credit file. What Method of Verification was used within your reporting system in order to process these accounts. Please remove these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX/ DEPT Of ED
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched Fraud Report UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX I just recieved XX/XX/XXXX. Took 2 years but now that I know usaa can provide fraud reports I am requesting ALL FRAUD REPORTS be provided. See attatched XX/XX/XXXX statement. FRAUDS REPORTED XX/XX/XXXX are {$170.00} XXXX {$170.00} XXXX XXXX NON DELIVERED OR PURCHASED. ( WHAT EVER HAPPEN TO THESE INVESTIGATIONS BEGUN XX/XX/XXXX?????? ) next we have {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  NON DELIVERED TRANSACTIONS. USAA STEALS XX/XX/XXXX AFTER XXXX  PAYS XX/XX/XXXX XXXX Please provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS VERIFICATION OF ALL REPORTED FRAUDS. See attatched XX/XX/XXXX statement WE SEE CLEARLY AS USAA STEALS MERCHANTS CREDITS TO COVER MERCHANTS FRAUD LEAVING CONSUMER LIABLE FOR FRAUD FOR ** OVER TWO YEARS. XXXX XX/XX/XXXX {$2.00}, XXXX OTHER TEMPORARY CREDITS NOT APPLIED ONLY {$910.00} PERMANET CREDITS FROM MERCHANTS APPLIED. What merchants send USAA TAKES AS THEIRS FOOLING CONSUMERS INTO THINKING 2 CREDITS FOR ONE PURCHASE WHEN ONLY ONE CREDIT FOR ONE PURCHASE APPLIED WAS THE MERCHANTS. XX/XX/XXXX ALL PERMANET CREDITS FROM MERCHANTS SAME DAY ARE NEW CHARGES AS IF MERCHANT NEVER PAID.??? HUH?? PRETEND USAA TEMPORARY CREDITS ARE LISTED ONLY. They are NOT INCLUDED IN TOTAL CREDITS at bottom of listed ADJUSTMENT PURCHASES. USAA CLEARLY STEALS MERCHANT CREDITS XX/XX/XXXX {$340.00} STOLEN XX/XX/XXXX XXXX. {$470.00} XX/XX/XXXX. TRANSACTIONS BACK ON CARD XXXX TIME XX/XX/XXXX. USAA USES TEMPORARY CREDITS NOT APPLIED TO CREATE FRADULENT CREDIT REVERSALS OF {$2.00}, XXXX IN ONE MONTH XX/XX/XXXX. Provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS. AGAIN, USAA USES TEMPORARY CREDITS TO CREATE PERMANET CREDIT REVERSALS OF MERCHANTS CREDITS. XXXX PAYS XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX USAA STEALS AS REVERSED CREDITS NEVER MADE PERMANET HIDING THEM INTERNALLY ) ( ** USAA ARE THIEVES PER STATEMENTS NO USAA PERMANET CREDITS HAVE EVER APPLIED AND OVER {$4000.00} ARE REVERSED??? NO EXPLANATIONS PROVIDED OF FRAUDS.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

In XXXX, Wells Fargo opened various checking accounts that I had no need for, and erroneously charged me for numerous insufficient funds and overdraft fees. 

Then in XXXX, Wells Fargo initiated a foreclosure process on my rental property. The bank decided to send mail correspondence to the property address instead of my home. I was not notified, until much later, that my account was facing foreclosure. 

The news of the foreclosure prompted me to seek assistance in the form of modifications. In my efforts, I submitted a letter requesting loan modification. By the time Wells Fargo responded back to my modification request, my property was already sold. 

Wells Fargo refused to offer me any mortgage modifications, to negotiate, or offer any assistance for that matter. I qualified for modifications, and had funds to make good on the loan payments. Instead, the house I owned for 22 years, was sold due to being behind only {$9000.00}. Even though, I had enough money to avoid foreclosure. 

Wells Fargo showed bad faith, as they wanted to steal ( in my opinion ) the equity the in the property that took my wife and me years of hard work to build. 

Further, on XX/XX/XXXX, Wells Fargo claimed to have no documentation of my foreclosure. The bank could not find any documentation in relation to my mortgage number or my social security number. Currently, the property has an estimated value of {>= $1,000,000}. 

I contacted Wells Fargo Bank to repair the situation. On XXXX XXXX, XXXX, I received a check from Wells Fargo Bank for {$120.00} and a letter stating " Our priority is to make things right for you. '' On XXXX XXXX, XXXX. I had mediation with Wells Fargo Bank, where they provided me with documentation regarding the checking accounts in my name. There was an account listed with a Crown Banking that I was unfamiliar with and Wells Fargo Bank Forwarded no information regarding the Crown Banking account. 

During the mediation process, there was no discussion of the foreclosure, I experienced. I was advised by Wells Fargo Bank that they had no records of a foreclosure. 

Therefore, we did not settle the matter through the mediation.
Consumer complaint received 2020-03-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXX XXXX XXXX is listed on a Alleged deed of trust, a company named XXXX filed suit in XXXX in a XXXX foreclosure and was denied for lack of standing, and according to the Texas secretary of state records XXXX 's name became inactive as of XX/XX/XXXX, then in XXXX of XXXX a Civil Debt collection suit was filed using XXXX  ( inactive ) as plaintiff in asking for both a judicial and non judicial foreclosure, which was granted to inactive XXXX. a foreclosure sale commenced on XX/XX/XXXX R.E.O 'd to XXXX XXXX, a company according to a certified copy of record from the Texas secretary of state is and was terminated as a foreign entity in XXXX and had no rights to bring suit against me, along with the attorneys working on behalf of XXXX, XXXX, XXXX, XXXX and XXXX XXXX. sending me letters stating " this is a debt collector attempting to collect a debt '' but are not bonded in texas as debt collectors according to the Texas secretary of state office, a fraudulent deed was filed in the real property records of XXXX county texas, and Legal Injury was caused by the illegal practices of fraud which resulted in a REO of my property by means of a constables deed and a recent eviction attempting to be served on me currently the sheriff was at my house this morning to kick me out, also fraud deed encumbered property of empty lots for equity on a homestead
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

Mid XXXX I had checked my XXXXredit score because I was planning on buying a second house in a few months. I noticed my credit has dropped from high 700 's to XXXX. It was showing a credit card that had a balance around {$150.00} and never paid then accumulated late fees. It missed payments then the account was closed back last XXXX. I called the contact that was on the credit report for the card. SYNCB/PPC was the account that was showing on my credit. Its a paypal credit card. They explained to me that the account was opened in XXXX and never used till XX/XX/XXXX where a {$150.00} purchase was to a seller named XXXX. I asked them why I wasn't notified and they said all mailed sent was returned. After investigated with the lady on the phone, we found that only my social security and name was correct, all other information was false. The mailing address, email address, phone number, XXXX account were all incorrect. The mailing address was in a completely different state. I asked them how could Iv even used the credit card if it was sent to another state. I told them I've never opened this account or made that purchase. They sent the file to the fraud department to investigate, then denied my case as fraud and refuse to remove the fraud account off my credit. I called them back and ask why, and all they said cause I didn't report sooner I had a year to report. How would I have even know if all my information on the account was false. I have called back multiple times to work this out with them, and they refuse to give me any solution. We are now in its 5th month and I'm still not getting straight answers. 

My name is XXXX XXXX Phone number is XXXX Since I obviously never recieved the card or was the person that opened it, I can not supply a card number.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

After my XXXX rent payment of {$1400.00} was rejected by Bank of America for payment I called their customer service and found out that it was caused because someone at the branch can not count and it was short by XXXX cents. The payment was put through over the weekend and posted to my account, but caused a negative balance and so I went to deposit money to resolve it and close the account. I provided a deposit of {$180.00} in cash to a banker at the branch located at XXXX XXXX XXXX in XXXX, TN, on Monday XX/XX/20 and I assumed whoever did the deposit had enough XXXX sense to resolve the negative balance on the account, give me my change back, and close the account. 

I spent several hours on the phone with the bank only to find out what I stated above was confirmed, and then I called the branch and spoke to XXXX XXXX who told me she was the local branch manager. Instead of trying to really help me I was given excuses for other items that cleared being the cause, when in fact, I know what caused it and was told otherwise by people working the the same XXXX bank. I was given a bunch of stupid XXXX excuses and told to bring a letter by from my rental company showing the fees I was being charged and the bank " MIGHT '' be able to hep me get the money back. SO each time I need help I just get more XXXX and corporate merry-go-round and I really XXXX sick of it. 

I was a BOA customer for a long time but clearly they don't hire like they used to. I want this XXXX issue resolved and someone from the bank to actually HELP ME to get the payment made and associated fees reversed or refunded.
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

Enhanced Recovery has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Consumer complaint received 2020-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc. (FL)

I was placed under a Federal Rehabilitation Program for my outstanding student loans, which expired 2019. Once my program expired, I applied for a income based driven repayment program that was under review because I have sent all financial documents as requested, and was was waiting for a approval per their representatives. Unbeknownst to myself and my family, my 2019 income tax was taken without notice by the Federal Offset Unit. I attempted to contact the Collection Agency as instructed and was consistently misled about the process and not informed of my rights. Per the I.R.S I was supposed to received a notice of intent giving myself 65 days to make arrangements and avoid such actions ( paragraph 2 of page 1 attached ). I am left with very little options and feel as if my finances are being held hostage and being bullied as a consumer and graduate.
Consumer complaint received 2020-03-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I closed on my FHA home purchase XX/XX/XXXX and was notified yesterday that my loan still has not been insured and was not given a reason why. The only reason I was notified by phone is because I am trying to refinance with an FHA streamline, I closed 9 months ago is this common and why I am making FHA XXXXnsurance payments if my loan is not insured? 

I was also told if corrected I would have to wait 6 months to refin missing the opportunity to refin a todays low rates. I do not think that is fair its not my fault of whatever underwriting issue happen that I should miss out and making my mortgage payment even more affordable. When I login to check status of my FHA streamline loan it says initial processing, it has been in that status since XX/XX/XXXX. 

I want to know what would be my next steps and is there any recourse I can take.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I requested Equifax to verify in writing a copy of wet signature contracts proving the bankruptcy & debts were mine. On XX/XX/XXXX Equifax completed their dispute process & advised that the public record was verified via XXXX as being mine & dated XX/XX/XXXX as the verification date. I have a letter from XXXX that my consumer report was frozen on XX/XX/XXXX & nothing would be released without me lifting with my pin number. I also submitted a copy of a letter dated XX/XX/XXXX from the Chapter XXXX court stated they didnt report any info on me to any consumer reporting agency. Equifax has not provided me with a wet signature contract & their report states the info I requested to be removed was verified. They also state the public record bankruptcy was verified via XXXX on XX/XX/XXXX. They both are violating the section 609 ( a ) ( 1 ) ( A ). I also provided a copy of a 14039 affidavit from the IRS that I am a victim of identity theft as someone used my SSN to file federal taxes. This alone without a copy of the contract justified removal from my file.
Consumer complaint received 2020-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

Loan Depot conducted a loan analysis and increase my monthly mortgage payment around XX/XX/XXXX. However they failed to notify me of this change. I found out when I received a letter, dated XX/XX/XXXX, from Loan Depot stating my payment was short. I called Loan Depot to find out why ; they explain an analysis is conducted once a year to adjust for taxes and insurance changes. I informed them that I did not received and ask for the analysis to be mailed to me. I have never received the analysis but adjusted my recurring payment through my bill pay service accordingly. Come XXXX, I received a call that they did not receive my payment. On XXXX XXXX, XXXX, I had my bank fax verification that the payment was made electronically. On XXXX XXXX, XXXX, Supervisor XXXX left me a message that the payment was received and returned to me because the payment was short. To my surprise, Loan Depot once again increase my payment without any notice effective XXXX XXXX. According to two different Loan Depot associates, the check was sent back on XX/XX/XXXX or XX/XX/XXXX, check number XXXX. On XXXX XXXX, XXXX, I called Loan Depot and informed I did not received the check and for a stop payment to be placed and reissue. I called again on XX/XX/XXXX to find the status of the check because I still have not receive the check. I was informed that the stop payment was done on XX/XX/XXXX but a new check have not been issued but will be within the next 7 - 10 days. In the meantime Loan Depot continue to apply late fees and additional interest to my loan. I believe this is Loan Depot way to charge additional fees and damage credit to keep customers with them, preventing to from re-financing with the best rate.