davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated and DELETED. LET 'S READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVEN'T CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PROOF IN COURT. In addition,, you allowed the furnishers to break the FCRA law under Section 623 ( a ) which states prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Please investigate these items and DELETE. I gave you both credit reports with before and after errors. 

1. XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX XXXX expedtiously due to they have been reinserted again inaccurate which is against the law. 15 U.S. Code 1681 ( a ) 5 ( B ) ( i ) ...
Consumer complaint received 2016-05-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (OK)

I am well aware that I fell behind on my car payments and do not need someone to tell me repeatedly about the damage it does to my credit, etc ... I am an educated person and do not appreciate condescension. I explained to my car loan company that, as a freelancer, I had the worst XXXX of my career and fell behind on all my bills for 2 months. I told them now that I was working steadily again that I would make a large payment, and I complied with that. Then I told them that I knew I was falling behind again and owed some more, but that I would need until mid-May before I could bring myself, at last, completely up to date. They said they would notate that in their system and thanked me for making the arrangement. However, they have continually called me since that agreement was made, usually up to 4 times per day. I have even answered a few times, asked why they continue calling me, and they simply say it 's the automated system and they have every right to continue calling me. But 4 times a day? I think not. I especially think not when they have said to me that they do have my agreement in their notes. What do they think? That by calling me repeatedly I will suddenly have money for them? It is absolute harassment and it must stop. They are the only place that has continually called me after having made an agreement with me. All other places accepted their respected agreements and stopped calling me. And, thus, their agreements were fulfilled and they did not need to call me again. But Ally Financial must be stopped from performing this harassment.
Consumer complaint received 2016-03-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CASHCALL, INC. (LA)

Someone named XXXX XXXX called claiming I was being served at my job between the hours of XXXX and XXXX XXXX CST on Monday, XXXX XXXX, 2016 and was told to notify my supervisor that I will be served at my job as well about this but did not know what it was about. Was given a case number of XXXX. Contacted the company today and they identified themselves as XXXX XXXX XXXX. Gave them the case number and the person put me in contact with " XXXX XXXX. '' Well, this person who said she was " XXXX XXXX '' suddenly said her name was " XXXX '' and that I was sued by Cash Call and there were XXXX charges against me. I asked her to send it to me in writing and she refused to send me anything.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MN)

a few years ago, I over-drafted in my account pretty bad. I owed XXXX dollars in XXXX dollar over draft fees because, my bank account online would tell me all of my purchases, but sometimes they would disappear leaving me to believe I had more money than I actually had. Then when I would spend that money, a few dollar at a time the original purchase would pop up again and would make my account go in to the negatives. And then I would get all of the over draft fees. Could that be bad on my banks side?
Consumer complaint received 2015-09-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NJ)

I am enclosing the letter to the Attorney General 's Office. 

I am facing a hiring fraud and credit card fraud because Wells Fargo allows their accounts to reverse payments weeks after payment was received and spent again. I was paid through XXXX Wells Fargo accounts and the funds were put into my credit cards, but they were taken away again ... leaving me with a massive debt. I went to the local Wells Fargo branch to see what could be done, but they would n't help because the I was not permitted to see the XXXX accounts. 

I was scammed by XXXX XXXX XXXX if that is her name XXXX and XXXX Systems XXXX if that is truly the company name. I was told that I was hired as a buyer, but for the first few weeks I had to use my credit line to make purchases ... supposedly until the corporate credit card was ready for me. Payments were made to me in advance by following this procedure:1 ) Take a credit card with a balance and pay that off with XXXX funds. 
2 ) Ring up new charges on that card for XXXX purchases to the amount XXXX provided. 
3 ) Repeat 1 and 2. 

Needless to say, the job was n't real. The paycheck and benefits package never came. The payments to my credit cards were recalled with stop payment orders, so that the payments I had made were canceled. My XXXX card alone could cost me {$50000.00} in XXXX purchases. 

Wells Fargo enabled this kind of fraud by allowing the payments to be reversed long after they were approved. This gave the scammers a few weeks to build up my confidence, and then to hit me hard with massive reversals, all the while taking the value of the purchases I had made for them. The XXXX XXXX accounts at Wells Fargo must be showing frequent payments and reversals, and the way banks monitor their accounts these days, they must have known that this was unusual behavior, possibly criminal. 

I need to be protected as an innocent victim from this massive fraud. I also need to know that this can not be done again. Please tell me what can be done.
Consumer complaint received 2015-08-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

HERE IS THE FIRST EMAIL I SENTGood Morning XX/XX/2015 re stop payment removalOr it was until this happened! @!!!!!!!! 
I put a stop payment on a payment I had made to XXXX that cost me {$31.00}. ... I now have to pay a late fee because when I went to pay XXXX online it did n't work. I was not told that it takes 2 business days to remove it. I called the so called Customer Service Dept. and what he said floored me., " I am sorry but there is nowhere in the script that says to tell you about the 2 days it takes for it to be removed. The supervisor XXXX XXXX told me that.. I said " does n't that sound ridiculous '' ... The XXXX answer was " that 's what it says '' Now if I do not get that {$31.00} removed and that script is not changed I am going to write to the Banking Commision as this is ludicrous ... also my daughter is an XXXX and I know she would love this story ... 
XXXX EMAIL XXXX.XXXX.2015Since this email below that I have not received a response to now I am having a hard time believing that no one can help me release a stop payment ... What in the world has to happen behind the scenes to get a release down. Sounds to me like the airline co. that charge you to flip a switch which made the judge pretty mad. 
so now my XXXX payment will be 6 days late because first no one let me know when I set up a stop payment that it takes 2 Business Days to release it ... First ludicrous statementand XXXX I release it XXXX Wed XXXX XXXX and now I find out it wont be released until Mon XXXX XXXX ... 
SO SINCE NO ONE IN THIS CO. IS WILLING TO EVEN ANSWER ME i AM NOW GOING TO THE BANKING COMMISSION AS WELL AS XXXX XXXX TO EXPOSE THE RIDICULOUS BANKING RULES THAT PROBABLE ONLY APPLY TO CUSTOMERS WHO RUN YOUR BUSINESS AND NOT THE PEOPLE THAT WORK THERE.\
Consumer complaint received 2017-02-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo force-placed flood insurance on our property despite the official XXXX map showing the structure is outside of the flood zone. WF has stated multiple times that they ca n't show me the required flood determination because there is nothing on file. They want a LOMA ( letter of map amendment ) from XXXX, which XXXX is at a loss to provide because the map already says our property is outside of the flood zone, so there is n't anything to amend. Over the past six months, I have spoken with at least a dozen people at Wells Fargo, none of whom can provide anything they are required to provide, but they continue to charge me an extra ~ $ XXXXmonth for flood insurance. The promised resolution date has gone from mid XXXX, to XXXX XXXX, to XXXX XXXX, and is now XXXX XXXX. Current resolution specialist insists that she has never worked with me before XXXX, despite a phone conversation in XXXX, and insists that another resolution specialist whom I 'm working with does n't exist, despite the fact that they are contacted through the same XXXXnumber.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (MO)

Square Inc d/b/a Cash App closed my account without formal dispute, or otherwise providing formal information as to the reason of closure other than apparently violating their terms of service agreement. 

The vague reason they state is a P2P ( Peer to Peer Transaction ) from XX/XX/2020 at XXXX XXXX received from $ XXXX in the amount of {$20.00} Identifier : # XXXX The user XXXX XXXX. XXXX $ XXXX ) is claiming a fraudulent chargeback with their originating card issuer or bank, as their money was subsequently refunded back to their originating account for the reason of returning the payment on XX/XX/2020 at XXXX XXXX  to ( $ XXXX ) in the amount of {$20.00} Identifier : # XXXX Square Inc d/b/a Cash App has refused to investigate the matter into my account closure, stating their decision is final and did not allow me time to dispute the chargeback, and electronically withdrew the funds in the amount of {$20.00} from my linked XXXX Checking Account.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NH)

The Target Redcard ( credit ) fails to post payments in a reasonable time frame. 

Money already withdrawn from my checking XXXX weeks prior still has not been applied to the card. The most recent example is when I requested paying off the card online on XX/XX/XXXX. The money was then withdrawn from my checking on XX/XX/XXXX, unfortunately the card has not been updated as of XX/XX/XXXX I have called Targets RedCard customer service XXXX times in the past few months attempting to resolve this. 

Initially the problem, I was told, is making big payments at the end of the cycle will delay processing. Another call I made weeks after stated the opposite, to not have small payments throughout the cycle. 


A small note, after I pay with another card at Target ( due to lack of funds, since the payment has not posted ) and proceeding to customer service the representative states this issue is a common occurrence for customers.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I currently spread my spending between 2-3 premium credit cards from competing issuers. It 's no secret that American Express has the best premium card in the business but when I called to apply for the centurion card, I was told it was not possible.
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On an unrelated not, I applied and was approved for a business card recently but the person on the phone who verified my application and approved it said he did not see the promotional offer which had prompted me to apply in the first place.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

The address of my home is : XXXX XXXX XXXX XXXX, NY XXXX This is XXXX of the last letters we have sent to Wells Fargo. 

From XXXX XXXX through XXXX XXXX, we received XXXX short sale offers on our home, all to which were within 5 % of asking price yet they were all rejected by Wells Fargo. 
From XXXX XXXX, we received over a dozen calls from Wells Fargo asking us for the HUD statement. Each time we faxed it over and each time it continued to be lost. 
In XXXX, the home was broken into and all copper piping was stolen. Our insurance company sent Wells Fargo a check for over {$11000.00} which has subsequently been " lost ''. 
In XXXX, Wells Fargo advised us to record a " Deed in Lieu '' which was consequently rejected by WFHM. 
In XXXX, we were notified the home was going into Foreclosure despite all purchasers interest and effort on our part to sell it. 
Through XXXX to Present, we have received and continue to receive numerous notices from Wells Fargo " to save our home '' through mortgage modification. 
In XXXX, our neighbor notified us that there were squatters living in the home for over a year. We finally synced up wit XXXX XXXX in your XXXX XXXX Department who assured us that she would get the house secured and confirm with it when it was done. After several attempts at follow-up, XXXX has also failed to deliver. 
We secured an expert Real Estate agent to once again try and short sell the home. Within days she presented to Wells Fargo an all cash offer. After months of being passed around from person to person, numerous emails, correcting mistakes Wells Fargo was making, the short sale was denied on XXXX XXXX, XXXX by Wells Fargo. 

The following resolutions need to occur before XXXX XXXX, XXXX : We will receive confirmation on the security and condition of the home. 
The house will be removed from Foreclosure and back into Short Sale status. 
We will be assign a Personal Coordinator that will be our SOLE contact person for all other communications and activity going forward. 
WFHM will remove any and all negative reports on our credit Very Sincerely- XXXX and XXXX XXXX XXXX XXXX We tried short sale again this summer, again rejected by WF due to a " surplus of funds ''. That surplus this past summer was small. 
We just want resolution. We want our exemplary credit back. What we had before they systematically destroyed it. 
Thank you.
Consumer complaint received 2016-02-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

We were sent forms for a short sale for loan # XXXX on XXXX XXXX, 2015. 
We got a realtor. The house was put on the market. We sent forms to Wells Fargo. 
Everything was going fine. The house was locked and foreclosed on. We received no notice. 
I spoke to Wells Fargo on the phone about the property at XXXX XXXX XXXX XXXX XXXX. We have XXXX loans with them. This XXXX was a line of credit. We were locked out of our home with no notice. I was told on the phone over and over that we were fine and in a short sale. The rep kept telling me it wasnt happening, the realtor said it was happening and took house off market. We were never notified. We followed all the steps we were told and they still took without notice. This was done unlawfully, we believe.
Consumer complaint received 2016-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (TX)

Someone other than myself who was not authorized by me has illegally obtained a credit card and defaulted on the charges. This collection agency purchased the debt from a credit card issuer that is no longer in business and illegally obtained a default judgment against me without my knowledge. When I was made aware of the debt, I requested evidence to support/validate the debt as belonging to me. This company has nothing to support the debt or judgment being accurate.
Consumer complaint received 2017-03-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Alliant Capital Management LLC (DE)

I asked for a workout plan and they were not willing to help me ... .I am experiencing a huge hardship. I am receiving calls at my place of business daily from Alliant Capital Management Llc. I hang up once they get rude and they will call back using different extension to get transferred back to my office to continue the harassment. At times when I hung up they would just keep calling my office number back to back for 15 to 20 minutes. They have given information about me to other people without my consent at my job and have called family and upset them ... making them think I am in trouble. I am not comfortable with the nature of these calls and they are threatening to come to my job ... .The company is representing XXXX @ XXXX ... .their name is Alliant Capital Llc Management ... their address is XXXX XXXX XXXX XXXX XXXX, Ny. XXXX and their phone number is XXXX.This is causing me problems at my job.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I HAVE BEEN MADE AWARE THAT SS # XXXX HAS BEEN REPORTED UNDER MY NAME AS WELL DOB WITH : EQUIFAX AND MAYBE THE OTHER CREDIT AGENCY AS WELL. 

I NEED TO GET THIS RESOLVED ASAP AND HAVE IT REMOVED OFF MY CREDIT REPORT. 

I HAVE ATTACHED MY XXXX I USED FROM XXXX RIGHT OUT OF HIGH GRAD. UNTIL XXXX. 

I HAVE ATTACHED MY SS # CARD I USED SINCE XXXX WHEN IT WAS ISSUED BY THE SSA OFFICE. 

MY TAX RETURNS FILED FROM XXXX USED XXXX. 
MY TAX RETURNS FILED FROM XXXX USED MY SS #.
Consumer complaint received 2016-03-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DE)

Online, opened new Santander Bank account with {$30.00} ( bank required {$25.00} minimum ). XXXX XXXX 2014. Later Santander statements issued to me showed {$30.00} balance. Still later, Santander variously reported to me by phone and mail the following : ( a ) account was opened with {$30.00} but signature cards were not received ; ( b ) account was opened with my promise to deposit {$30.00} but funds never received by Santander : ( c ) {$30.00} in funds were received by Santander but transferred by Santander to another Santander account ( s ) ; ( d ) Santander account numbers showing on Santander statements are invalid ; ( e ) funds received by Santander but transferred by Santander to a Santander debit card and later spent from that debit card ; ( f ) funds received by Santander but transferred by Santander to a Santander debit card and still reside as a credit on that debit card 's balance, but debit card number can not be identified ; ( g ) funds received by Santander but misplaced by Santander and can no longer be located. Santander also reported that my name showed up as a problem name in various reports issued by XXXX ; XXXX ; XXXX ; and XXXX. I was able to verify that all of these Santander claims regarding a " problem name '' were untrue ( could not be verified and/or denied by reporting parties ).
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2015-06-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Palm Beach Credit Adjustors, Inc (FL)

I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XX/XX/XXXX to XX/XX/XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. 

I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (KY)

authenticity of documents, proof of chain of assignment, Rushmore Loan Management Services LLC SAID THEY OWN OUR LOAN NOW THEY SEND US SAME OLD DOC AND MAKING NEW ONES CFPD DO YOUR JOB XXXX XXXX C RESPA ( XXXX XXXX XXXX OLD XXXX Case number XXXX CFPB review Response disputed XXXX/XXXX/XXXX
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (PA)

My mortgage ended a forbearance period with XXXX XXXX. I was in a trial period where I had to make 3 straight payments before having my loan modified. During the trial period XXXX sold my loan to SLS. I was unaware and continued to make payments to XXXX. SLS eventually contacted me and agreed to start a new trial period before modifying the loan. Despite being in the trial period for modification, SLS reported me as 120 days past due. Ive modified several mortgages during COVID and they are the only lender to have reported me to the credit agency. Its my understanding that they arent supposed to do that.