davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX ' 2016 at XXXX ( PST ) I spoke via telephone with XXXX XXXX XXXX from Wells Fargo Home Mortgage, Customer Care and Recovery Group and did ask her to submit to us a ( 1 ) Payoff Statement and ( 2 ) Loan Payment History on a HELOC that we have with them. 
Up until today XXXX XXXX ' 2016 we have received nothing. 
These documents are very important to us, since we 're doing everything to our reach to avoid the foreclosure sale on our sole property. 
I 'll be XXXX years old XX/XX/XXXX and my wife will be XXXX by XX/XX/XXXX. It 's important to point out that we have been making monthly payments regularly for the last 18+ months. The main reason we did fall behind was during XX/XX/XXXX/XX/XX/XXXX while my wife was obtaining at age XXXX her XXXX Degree in XXXX and XXXX. She is well over {$100000.00} on student loans and need to be repaid ( $ XXXX+/month ). 
She is now working for XXXX XXXX helping XXXX with prevention of XXXX, XXXX, XXXX XXXX, etc. 
For us it will be a devastating blow to have to loose our only property, specially now that we can make our monthly payments regularly.
Consumer complaint received 2015-11-27
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I once had a credit card from capital one which i had paid off and i was never late the account was established since XX/XX/XXXX i was never given the opportunity for an unsecured credit card the account went in-active so in XX/XX/XXXX of this year i was applying for another secured credit card of which i was talked in to applying for an unsecured card after they company looked at the account. I explained to the supervisor that i was a victim of identity fraud and my score was low and they said not to look at that because i was a great longstanding customer and when i applied as they suggested me to i was turned down so i recently submitted another application for another secured credit card.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (UT)

Complaint is with Experian. 
Their response to my first complaint was : items XXXX & XXXX are not on report. 
What kind of answer is that??? 
The report under my name " WITH THEM '' is showing negative items :1 XXXX XXXX {$250.00} ) XXXX {$660.00}. Both items already removed from XXXX and XXXX because it was proven to be incorrect and removed. 
3 ) XXXX XXXX ( judgement ), that had to do with a litigation that I won against them in XXXX XXXX, California. " So, WHY '' is it still on their report??? 
4 ) XXXX XXXX5 ) XXXX XXXX6 ) XXXX, Also " ALL XXXX REMOVED '' from XXXX and XXXX because of proven " Not Appropriate ". 
So why have n't THEY removed them yet??? 
A response to this claim needs to be Proffessional and ethical!!! 
If they say " items x x not on report '' then they should prove it!!! 
Show me " MY REPORT '' where these items suposedly not on report. Because that 's not what I 'm reading from my report!!! 
These XXXX items SHOULD NOT BE on my report.
Consumer complaint received 2016-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MN)

We did a refinance with Wells Fargo. The closing was XX/XX/XXXX. 
At the closing they said that it is difficult to calculate the payoff of the old mortgage and that we were getting {$3000.00} more than we needed. I think its a scam. They have to get closer than that. Now it is XX/XX/XXXX and we are still waiting for our XXXX. How many people per year do they do that too? Interest they make would be staggering. Again I believe it is a scam.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have a 2013 bankruptcy entry that was placed on my credit report. that I have been trying to for over 6mths to get this entry Removed and Deleted.I have made several attempts by mail correspondents and spoken to customer reps in regards to this public record 2013 bankruptcy.I called and spoke with a representatives from Experian on what are their procedures on verifying their public records.because I need this information because it keeps coming back verified. The rep told me a form is sent to the court house and any public information available.Once that information verifies it is sent back to the credit bureaus and then that information is placed on the credit report.I asked the rep what physical form and or paper work was used because I need a copy of it ASAP. Then I was told they could n't give me one. I need to contact the court system. The Court System DO NOT Disclose, Release or VERIFY Any Information For The Credit Bureaus or Any 3rd Parties so given this false information by Experian this 2013 Bankruptcy needs to Deleted and Removed from credit report ASAP
Consumer complaint received 2015-07-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Hi my names XXXX XXXX and have a big problem with my lender that being Nation Star Mortgage who has yet to give a harp modification agreement that i know i qualify for cause they said but they have yet to in force an agreement that i signed and sent back to them in XXXX XXXX 2014 this is wrong and want them do what harp is there for to help me get back on track so i can pay my mortgage i do n't this run around that these companies are playing with people like myself the reason i say this is in the beginning i sent various documents to nation star only to be told that they never received them and i had to resend them only that they never received my current pay subs which was n't true so i sent them again and again and again then they informed me that they received them but i did n't make enough i asked them is possible with XXXX jobs and my XXXX one pays me over XXXX then after hour of debating they admitted there error saying that the person working my file never applied my main income there were using my XXXX income as my sole income which incorrect and that were sorry its noted on there computer the various people i spoke with and various mistakes they 've made one lady who i spoke said the name that was giving to me as a point of contact was n't real and that person would n't never call me back cause this a name they give to everyone cause of the amount of cases they have and she was sorry that i was mislead but i qualify for harp and she would do her best to fix again after going back and forth i get this agreement i sinned and sent back to them i want to speak with someone who is truthful so i fix this and move forward its a shame that our has help these various banks on bailout but they can not be forthright with us these people lace there pockets with tarp like XXXX XXXX president
Consumer complaint received 2016-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (GA)

During my bankruptcy case Navy Federal had me dealing with one of their Vice Presidents, XXXX XXXX, to make my monthly payments. When my bankruptcy dismissed ( I made all my payments on time but the Chapter XXXX Trustee in XXXX is crazy ) I called XXXX XXXX and pleaded with him to let me keep my home. XXXX XXXX told me that he would work with me as long as I kept making my monthly payments. I have done this religiously including making a XX/XX/XXXX payment. 
Despite my good faith efforts I got two letters from Navy Federal indicating they were putting me in default and accelerating my loan unless I come up with $ XXXX by a date which has already passed. 
I 've also received a federal home loan modification and as stated above have made a payment in the last 30 days. I am current through my XX/XX/XXXX payment.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

Hospital is reporting collection on my credit report. I have disputed and investigation has only said verified. I have never received a bill, phone call, or inquire from the hospital concerning this bill. The date of service is reported as XX/XX/2013 but I did not have service at this hospital on this date. I requested proof of debt in my dispute and it was never provided. It continues to show on my credit report.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

My name is XXXX XXXX XXXX, I had gotten behind on my mortgage in XX/XX/XXXX, due to some unforeseen family expenses. I called Wells Fargo and set up a repayment plan to bring my mortgage current. After three months and speaking with XXXX different Wells Fargo Representatives ( XXXX XXXX & XXXX XXXX ), I was advised to discontinue the repayment plan and submit an application to be reviewed for a loan modification. Following their instructions, I submitted an application for loan modification discontinued the repayment plan. In XX/XX/XXXX, Wells Fargo denied me for a loan modification. They stated that because I had already had a modification, I could not have another, ( that was five years ago ). since then I have been trying to work with them in hopes of bringing my mortgage current. After that decision I continued to try to work with Wells Fargo to bring the mortgage current and in XX/XX/XXXX, I was working with my HPS ( Home Preservation Specialist ) ( Wells Fargo ), his name ( XXXX XXXX ), who indicated that he would continue to post my payments for me until I could bring the account current, by this he meant making XXXX payments, or adding additional monies each month until my account was current, ( he gave me 6 months to complete this task ). XX/XX/XXXX, the IRS placed a block on my bank account which held up my funds from being debited from my account. XXXX XXXX assured me that once the block was lifted, he could then post my payments. In the meantime, XXXX XXXX was transferred to another department, and the new person is not recognizing my current situation. The new specialist ( XXXX XXXX XXXX, will no longer acknowledge the agreement that I originally had with XXXX XXXX. I am trying to bring my account current, and keep my home from foreclosure. In the last 3 month, I had to discuss my account with XXXX different representatives each one giving me different advice as to how to bring the mortgage current, no one is accepting my payments that are still in the bank to be applied to my account, if payment were accepted I would not have to deal with this matter. At this point the monies are still in my account, but Wells Fargo will not accept any payments from me. The representative has indicated that at this time the account is 7 months delinquent, if they accepted the payments, I would only be 3 months behind, I could then bring my account current. They have as of XX/XX/XXXX placed my home in foreclosure. In a good faith effort to resolve this matter, I am able to make XXXX payments to help bring my account current, which they will not allow. I am very confident that once my account is brought current that I will be able to resume making my monthly payments in a timely fashion. I am simply asking that they assist me by giving a modification, or allow payments to be accepted, bringing me out of the foreclosure status. 
Thank you for your consideration.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

No problems accessing XXXX or XXXX annual credit reports through XXXX. However for the last 3 years I have been unable to access my report from Experian. Each time I get the message " A condition exists that prevents Experian from being able to accept your request at this time. '' Searching online, I see many others have the same problem.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Ran credit report for home loan. Report came back with a credit card opened that I have never had. I do not have any credit cards. Also says account was opened in 1984, I was not alive in XXXX. This needs to be removed from my credit report.
Consumer complaint received 2015-10-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc. (FL)

XXXX credit says I owe them money and turned it over to a collector. I do not have a XXXX credit card nor did I ever sign up for one. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

Experian continues to refuse to remove several accounts from my credit report that are closed, paid in full, and XXXX balance. XXXX accounts with the Department of Education/XXXX XXXX numbered XXXX are closed, paid in full, with XXXX balances, and have been for six weeks. Similarly, an account with Navient is closed, paid in full, with XXXX balance also. The account number is XXXX. All of these accounts are closed. I have previously provided proof and attached documents, so it is very frustrating that Experian is failing to act. 

Also, I have requested that Experian remove XXXX inquiries that are fraudulent and I did not authorize. XXXX from XXXX XXXX, twice, on XX/XX/2015 and XXXX. XXXX from XXXX XXXX on XX/XX/2015. Please remove these unauthorized inquiries from my credit report.
Consumer complaint received 2016-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

In XXXX XXXX, my wife and I disconnected our service with XXXX XXXX XXXX. At the time, XXXX XXXX XXXX issued us a refund for the funds that we had paid. 

A month later, XXXX XXXX tried to charge our credit card for another monthly payment, at which time we contacted customer support. We were told that they were unable to stop auto-payment and that they would refund the charge. After a month, the charge was not refunded so we asked our credit card company to cancel the payment. 

After cancelling the payment, XXXX XXXX sent us a debt collection due to the cancellation of the credit card charge. After speaking with XXXX other people, we were reassured that the notice was sent in error. Finally after speaking to a XXXX person, we were told that the notice was correct because of the way they do their billing. 

After fighting with the company for 6 months, we agreed to pay a reduced amount to close the issue. 

On XXXX XXXX, XXXX, we received a letter from yet another collection agency trying to collect on a XXXX XXXX debt. This time it was for an amount that we did not recognize and has never been billed to us at any time. We have responded to the collection agency yet again. 

This appears to be a common practice by XXXX XXXX of sending unsubstantiated debts to collection agencies. We have also dealt with an issue where XXXX XXXX tried to collect a debt from my wife for not returning her equipment despite the fact that she had a receipt from the day it was returned.
Consumer complaint received 2015-08-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (AZ)

I purchased a pair of shoes from the merchant through a mail ordr catalog, XXXX ) a subsidiary of XXXX. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA
Consumer complaint received 2015-07-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

I applied for a loan of {$120.00} at the location on XXXX. After a month of deducting charges from my account to pay the interest, I went into overdraft, and each recurring charge for bills, including Speedy Cash, were returned. This continued until XXXX XXXX, when I finally did have money in my account. That day, I was charged {$200.00} by a company called XXXX XXXX. I did n't recognize the company, so I disputed it as fraudulent. It was n't until I contacted Speedy Cash that I found out who XXXX XXXX really is-their affiliates. Furthermore, they refused to refund the money, and XXXX XXXX did not reverse the charge. Then, on XXXX XXXX, I was once again charged the exact same amount ( {$200.00} ) ; this time the charge DID in fact say Speedy Cash. I went back to the location with a copy of my statement to confirm that they had charged me twice, and that I needed a refund. I was helped by a man named XXXX, who emailed my statement to the corporate office in Kansas to have the charges reviewed. Thankfully, the next day, I received a refund. However, I 'm still receiving calls from Speedy Cash, who are now claiming that I still owe them the amount that was refunded, because the charge from XXXX XXXX was returned to my account.
Consumer complaint received 2015-09-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (FL)

Merchant ID XXXXLease # XXXXWe took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants XXXX dollars for the credit card machine which has been sent back to the company within the first 30 days.
Consumer complaint received 2016-06-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is XXXX of XXXX debts reported on my credit report, This complaint is directed to Capital One Bank NA ( as shown on my credit report ) listed under a court docket, it is stated " satisfied ''. 

However, this judgment was not mine. I had contacted the courthouse in regards to this and tried to get it removed but was told only the creditor could remove it since they were the ones reporting the information. 

I do not understand how this is possible since I would think that a social security number would need to match the associated name with the account as well as the court docket. I had tried my best to dispute this claim and actually made several attempts to get this removed with the credit bureaus and nothing was done. 

I spent a good work week worth of hours trying to get this resolved, but there is only so much i can do since I am working XXXX hours a week. I was not contacted at all by the creditor. I was not contacted to confirm any information reported. No letter of notice was sent out and was not given any opportunity to resolve the issue.
Consumer complaint received 2018-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN REGARDS TO TRANSUNION XXXX. XXXX XXXX XXXX P.A. XXXX I HAVE TRIED SENT CERITFIED AFTER CERTIFED LETTER TO THESE GUYS TO TRY TO GET WITH PROPER DOCUMENTATION TO ADD AN EXTENDED 7 YEAR FRAUD ALERT TO MY FILE AND THEY HAVE YET TO DO SO. THEY HAVE NOT EVEN ANSWERED ANY OF MY DISPUTES BACK WHICH IS BECOMING VERY TIRESOME FOR ME AT THIS POINT SO I TURNING TO MAKING A COMPLAINT. I HAVE A LAUNDRY LIST OF THINGS THAT NEED CORRECTING. IM A VICTIM OF IDENTITY THEFT AND I HAVENT BEEN TREATED LIKE SUCH WITH HAS ME VERY XXXX AT THIS POINT. WRONG FRAUDULENT NAMES AND EMPLOYERS AND CREDIT INQUIRIES AND IDENTITY THEFT ACCOUNTS.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, SSA copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (VA)

XXXX has been extremely difficult to deal with -- refusing to make changes and even informing the CFPB that they have made changes only to reinsert incorrect information. That is why I know feel that I need to go through CFPB for all issues XXXX. 
XXXX is reporting XXXX hard inquiries on my credit report for a single mortgage transaction. The inquiries come from XXXX XXXX on behalf of XXXX XXXX. 
Mortgage InquiryCreditor TypeMortgage ReportersCreditor NameXXXX XXXX XXXXMDBureau Experian