davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (TX)

Conns are very aggressive when they call. My husband have an account and I has an account. We were told they would merge our accounts. They would call ask to speak to husband and he would pay thinking we were paying. We went through financial difficulties due to sick dad. The agent were sharks and would lie to you and purposely set up payments after due date. They would set you up for payments tell you that you will be current and then hit your credit with a negative remark. They charged off my account when we were told they merged our accounts. Now my husband was current and next thing you know they hit his credit for 25 its with negative remarks as they continue to take payments out. I spoke to different agents and they all say the other person didnt do something right but no one corrects the issue. They take money out and then hit your credit. They make you promises and purposely give you wrong due dates and then charge you late fees and put 30/90/120 derogatory marks on your credit. I was just current and now they took out a new payment but reported me late and they help me setup payments. Agent said I apologize she set your payments after your due date. Just games and they hang up on you.
Consumer complaint received 2015-10-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (MD)

Due to financial hardship contacted XXXX to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be XXXX months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted XXXX and was informed that it was returned by XXXX via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, XXXX demanded XXXX months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} XXXX. XXXX sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : Dovenmuhle or XXXX. Receiving phone calls up to XXXX XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from XXXX and Dovenmuhle on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/2023, I received in a payment from a client ( a medical college in my state that is very well known ) for work performed. Before depositing the check into my account with Chase, I asked about hole policies since the bank that it was drawn on is a local bank and the check and its amount could be easily verified and/or I could cash it if there would be a continuous hold on the funds. I was told by not XXXX, but XXXX individuals with my account at Chase that there would be a hold for the amount but a simple call to customer service would release this hold because it could be verified because its drawn on a well-known bank. I was not concerned with the entire amount of the check being available, but rather that enough of the funds were released for me to pay my mortgage payment to avoid foreclosure. Following the instructions I was provided, I contacted customer service as directed and was told that the check was already verified, and that the full amount of the check would be available to me on XX/XX/2023 and that my pending transactions for my mortgage payment would be cleared ; not returned. On today, XX/XX/2023, I checked my account which showed that the hold was not released and that the transaction for my mortgage payment was returned. When I contacted customer service and told them that I clearly was not told correct information by not only XXXX, but XXXX individuals, they could only apologize and proceeded to provide me with a telephone number for a holds department ( which was not provided on the previous day. ) When I spoke to the young lady in the holds department and asked her to call the other institution to confirm the funds and the check, she told me that they in fact do NOT do this and then proceeded to tell me that I would be responsible for all returned item fees. Chase is getting away with murder because I was told incorrect things by not only XXXX, but XXXX individuals who told me that the hold could be released. I also feel as if I was misled because I could have simply cashed this check on the written bank and not had any issues. Is it because XXXX XXXX? Maybe. Because they literally put the entire amount on hold and didnt even attempt to call the bank it was written on to confirm it. In addition, the woman from the holds department tried to tell me how the system works for cashing checks as if I was ignorant, when little did she know that my family has a history in banking including writing check hold rules and operations for the same bank the check was written on as former VPs.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I have tried repeatedly to have my security freeze temporarily lift. Equifax refuses to lift it. I have supplied them the PIN #, my drivers license, social security card, and bank statement. I have also paid the required fee. I am unable to obtain credit due to Equifax system issues. I have called them repeatedly. I got no help from their call center in XXXX.
Consumer complaint received 2015-12-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (WA)

On XXXX XXXX, 2015, I contacted Navy Federal Credit Union regarding the Line of Credit and talked to XXXX, customer tepresentative and also requested to speak to her supervisor, XXXX. Arrangements were made that I was supposed to make less than {$330.00} a month. XXXX told me that I am being charged {$190.00} for the interest rate and I told her that was high. I told her that am being overcharged and that I already made arrangements to pay the Line of Credit. I had made this arrangements because we are in a fixed income and both retired. I was not satisfy with her providing the information so I requested to talk to her supervisor XXXX. He did n't seem to assist me at all instead he corrected me went I said the supervisor and he said I am A supervisor which is unprofessional and he had a bad attitude. I told him I will file a complaint to Consumer Financial Protection Bureau and he said go right ahead. He then said I will make sure your loan goes to Collection. Prior to this, I was going to make my line of credit {$230.00} which was online. Apparently, I pay my bills using the Navy Federal Credit Union. I disagreed with XXXX and he did n't assist me at all. As a supervisor, you need to assist the customer not threaten or retaliate by telling me that he will make sure my loan goes to collection.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have been trying to sell my condo since XXXX. We purchased it in XXXX of XXXX for {$200000.00} and currently owe around {$170000.00}. We had been dropping the price every few months and were finally down to {$170000.00}. In XXXX XXXX I agreed to a new position within my company that required me to relocate from XXXX to XXXX starting in XXXX of XXXX. My husband and I decided to go through the short sale process and drastically dropped the price of the condo to {$130000.00}. We received an offer for {$130000.00} and started the process in XXXX XXXX. We finally received approval from Wells Fargo on XXXX XXXX, XXXX. Unfortunately, the buyer got cold feet and had requested we cancel the purchase agreement. We finally received another offer for {$120000.00} around XXXX XXXX, XXXX. When I spoke with my home preservation specialist regarding how to move forward with the new offer, I asked her what the value of the property was based on the XXXX performed during the first short sale and she told me it was {$120000.00} so I was hopeful that even though the new offer was lower we would still be able to have Wells approve it. I re-submitted all the required documentation within the next week. A few weeks went by and Wells Faro requested information that had already been submitted and changed my home preservation specialist on XXXX XXXX, XXXX. I recently received notice ( XXXX XXXX, XXXX ) that they are rejecting the offer/ denying the short sale however said we could submit a counter-offer to the buyer for {$170000.00}. It has been eight months since we moved and we have continued to make our mortgage payments because it 's the right thing to do and we had some money in savings. The owner of the lower unit will not agree to let us rent our unit which our condo documents require. I do not understand how they could have approved the short sale in XXXX to deny it in XXXX based on very similar offers and our financial situation has not changed any.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (TX)

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. 

The letters are stated with items and issues.

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 2024-08-16
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. (TX)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2016-05-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (MI)

I have noticed that Enhanced Recovery Corp has inserted a collection item on my XXXX credit report. It has an opened date of XXXX XXXX, 2016 and a last reported date of XXXX XXXX, 2016. I have never received any communication, written or otherwise, from this alleged creditor and have not received notice of my right to dispute. Their failure to send dunning notice within the 5 day period set forth in FDCPA 809 ( a ) is a violation of that section. 

I do not know this company, I do not believe I owe them anything, I dispute their claim on my credit report, and I demand that they stop all collection activity pursuant to the FDCPA, including illegally furnishing information to the credit bureaus. 

I have never agreed to do business with them, and they are not mentioned on any contract I 've ever signed with anyone. I demand full validation from them, including : 1. A copy of a contract between Enhanced Recovery Corp and myself with my true signature on it, 2. A full accounting of the alleged debt and the dates these events occurred, 3. Proof of assignment or ownership and a full chain of assignment, including what they have paid for this alleged debt, 4. A copy of the contract between me and the original creditor with Enhanced Recovery Corp mentioned showing that they had some interest to protect, 5. Proof that the alleged debt is not outside the statute of limitations, and 6. Proof that they have my consent to slander me on my credit reports, which has to be in writing with my signature on it. Without this proof, they must remove all traces of their slander from my credit reports. 
Under NO circumstances do I authorize or give any consent to Enhanced Recovery Corp to furnish any information to my credit reports, nor to take any actions that would result in an inquiry on my credit reports from their company.
Consumer complaint received 2016-01-17
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AL)

I went to Wells Fargo on XXXX XXXX, 2016 at the XXXX location in XXXX, AL. I used the ATM to make a deposit. I had XXXX check and {$900.00} in cash. I inserted the items for deposit and the ATM stated it would send my cash back after I got a receipt only showing my check for {$500.00}. I did n't receive credit for {$1400.00}. My cash was n't credited. 
I called inside of the branch and the CSR told me he could see my full deposit of {$1400.00}. I told him I do n't have a receipt showing this amount. He told me to come inside. I did. 
The lady, XXXX XXXX, assisting me pulled up my deposit information and she said she could see the full {$1400.00}. I told her my receipt which is time stamped XXXX is only showing {$500.00}. She said well there is nothing we can do. She said you will have credit at midnight. I told her I want proof. She was impatient and had a bad attitude at this point because I told her I wanted her name since she said I would have credit. She said well whatever and signed my receipt. This whole time there are other workers saying they ca n't wait for these XXXX hours to pass so they can get off. 
I checked my account and I did not receive credit for my full deposit. I had to drive XXXX hours to this location only to be presented with the same people there from the previous day. The male worker sitting next to XXXX said here he comes. She just looked up with an attitude. 
I told her I do n't have credit for my full deposit. She said well your deposit was done after XXXX. I told her no, it was XXXX. She said well it takes longer to process. And now my funds are still not showing. I went to the ATM to get same day credit because my deposit was done before XXXX. I was well within this time. 
My money got jammed in the machine. She said I ca n't get money out of the ATM to give to you. I asked her what was I supposed to do. I was told now to wait until Tuesday. It was cash and I was within the cutoff time frame. 
This has put a hardship on me. The CSRs at this location were no help and acted as if I was an inconvenience to them. I have bills that are due but am going to have to incur late fees on payments because no one showed enough concern to at least consider it an emergency and get my money back to me.
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I was over 90 days behind on my mortgage payments to Wells Fargo when the issue occurred. I received a letter from them stating that they had information that my property may be vacant which may effect my insurance. On the morning of XXXX XXXX, 2016 I called them and explained the home is a rental and was rented as of last month and is not vacant. I asked if they needed a copy of the lease as proof and they said no, they would update their file. That evening I received an irate call from my tenant stating someone came to the house with an order saying the house has been foreclosed, they needed to vacate, and they were there to change the locks and winterize the home. The people had my name and papers the tenant described as an order. I called Wells Fargo and asked why they are sending someone to my house when I just confirmed with them the home is occupied. They said it was a home preservation service. I explained my tenant is now under the belief my home has been foreclosed on now and they must vacate. If they leave I will not be able to make payments and I will lose the house. I complained to Wells Fargo and spoke to someone in the office of the president. They said I would be contacted in 48 hours about my complaint. As of today no one has contacted me. 

I feel Wells Fargo sending someone to my house to tell my tenants the home had been foreclosed on and they had to leave is an unfair and unethical business practice.
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

In early XXXX 2015 my partner and I approached our local Wells Fargo branch in order to apply for a mortgage. They redirected us to a Wells Fargo broker at a different branch who initially pulled our credit report and told us that I would be better applying for the loan on my own based on my XXXX score. At that point we started receiving weekly e mails requesting documents and this has continued until last Friday, XXXX XXXX. It was my and my agents understanding that it would only take 45 days and the repeated requesting of additional documents has caused great stress to both me, my partner and the seller. Finally today we had reached our limit and have withdrawn from the process due to more documents being requested and have been told that we would not receive our earnest money back.
Consumer complaint received 2016-10-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

wells fargo had open another account with out me knowing, as a result i try 'd paying a credit card account and was navigated away to an account that did n't reconized and did n't pay my credit card .so i went to the bank and found extra charges ( fee 's ) and desputed them my son call the bank because i have a XXXX and XXXX veteran i always need help with my finances and balancing my encome i had electric turn off becuase i forgotton to pay even then the money was in my account i did n't know to use it and had them remove it just to fine out it was placed back again 4 months later i cancel the credit card that i place deposit on, and had owed $ XXXX ( - ) this had started around XXXX XXXX open credit card and closed about XXXX XXXX this account has been payed and becuase i had trouble navigating my account the credit card was not payed on time my son assist me with bills and set up bill pay account to better stay on track how ever the account now charged off as late a few months my account has a balance of XXXX on the frist i had ask for help with bank on mychecking acc. the report to the credit bureaus are unfair wells fargo posted as negitive infomation althought i made attemps withe bannk its still on my report and want it removed i think i can handle my account so long as the bank Well Fargo do not make changes thank you XXXX XXXX XXXX/XXXX/XXXX acc XXXX Wells Frago Bank my address XXXX FL XXXX XXXX and XXXX
Consumer complaint received 2016-03-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

i received a predatory pick a pay loan from a broker in 2006 and have been fighting for 10 years to keep my home. so my question is can the bank change the posted interest payment on my statement to what ever they want later and continue to charge late fees even though I paid every month? If so how come the chapter XXXX wont fix it? The bank did not post my payments they just sent statements showing the late fees and acruing escrow for property taxes. I feel I have paid the property taxes several times over. in my first chapter XXXX they said I owed $ XXXX them 3 years later I asked for a pay off letter and they said after I made monthly payments of {$2900.00} I owed them $ XXXX can I ask you whom do i speak with about finding out where my money went? I am in a current chapter XXXX my XXXX and I am paying the bank {$3400.00} and the trustee {$2400.00} so I ask you why XXXX if the federal government says I have to meet the XXXX % to get a loan does the federal bankruptcy court allow XXXX % of my income to be made for payments? I borrowed $ XXXX and I have paid over $ XXXX to the bank but I now owe them $ XXXX. It should be illegal to do what they have done to me. I have appraisals months apart that are $ XXXX and $ XXXX difference in value in six months the only change was my job they just change the numbers to make the XXXX meet what they want so they wo n't have to work with me. its not like Im not making my payments but if they had gone with XXXX of the XXXX modifications I submitted with my first chapter XXXX I would only owe $ XXXX at the current time.