davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NV)

This complaint is connected to # XXXX, # XXXX, & # XXXX. Last week XXXX/XXXX/XXXX I did submit a complaint to Wells fargo about disputing the fact that there are errors on my statements. I 've waited 11 months to get a written copy of my alleged debt. And have found some questionable transactions. I 'm submitting one example right now. Page XXXX of the customer account activity statement. Last line, XXXX/XXXX/XXXX amount received {$1000.00}. Then page XXXXof the XXXX. line XXXX amount received {$130.00}. Ok I paid {$1200.00} on XXXX/XXXX/XXXX enclosed a copy. Then line XXXX amount received {$2200.00} on XXXX/XXXX/XXXX ok I 've enclosed a copy. I see a payment was paid the rest to unapplied. Then paid another payment line XXXX with {$84.00} going towards late charges or outstanding fee balance then line XXXX {$170.00} Applied to principle. But then line XXXX, XXXX, XXXX, XXXX it says payment reversal. Why? Then line XXXX says non-sufficient funds reversal. Then line XXXX return item fee. Ok I do n't know why Wells Fargo took my money back. There was no way my check bounced why is that it 's because Wells Fargo was the one who wrote us a check from our restricted escrow account in the amount of {$9900.00} I 've enclosed a copy of XXXX/XXXX/XXXX statement showing XXXX that money was released. I 've enclosed a copy of the disbursement check voucher from when we received it. So, what happened to my money. Do you realize that that was the very beginning of that loan modification and right from the start I thought my money was being applied correctly. And feel it has not. Then line XXXX it looks like a payment was paid but in date due it says XXXX? XXXX, XXXX, and XXXX should have been covered. It 's should say XXXX date due. So, if I 'm incorrect please explain my statement. I did ask last week that if Wells Fargo seriously feels there 's no error I 'll hire a lawyer, but if maybe I 'm right and my alleged debt should be looked at and explained the errors I have found, we can talk the only reason I cease and desist Wells Fargo was because I wanted my debt in writing and I now have it. Also I 've also asked if you could stop, postpone, cancel the auction right now at this moment being bid on line. The auction last weekend was difficult for me and my family to go through and here it 's happening all over again. I 've gotten a 3 day eviction notice, and unable to stop all this. I will sign a revised loan modification only if my account is reviewed. I would also like a written copy of my restricted escrow account started back from XXXX when we purchase the home. Thank you.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( XXXX, XXXX and equifax ) listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


XXXX & XXXX that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Contacted Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 to set up my mortgage payment for XXXX. Received rude, unprofessional and unethical treatment from a Mortgage Collection 's Rep by the name of XXXX. I placed a call to them to set up my payment - half of it was to be scheduled on XXXX XXXX and the remaining portion on XXXX XXXX. Was advised, in a rude and unprofessional manner, by XXXX that I could not set up my payment. I asked if she was trying to force me in default and then she placed me on an excessive hold while she went to discuss my arrangements with a supervisor. When she came back to the phone she said she could set up the payment as I requested and I asked to speak with the Supervisor that she consulted with regarding my situation. She refused to transfer the call, saying he was in a meeting. Ultimately, I was able to schedule my payment but I should n't have to put up with this type of treatment. I should add that I have never made a payment more than 30 days late on the mortgage that has been with Navy Federal for many years now. If additional information is needed, please contact me.
Consumer complaint received 2017-11-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CBC Credit Services, Inc. (MI)

CBC Credit has been contacting me at work. My supervisor has previously told this agency that I am not to receive personal calls at work. They have continued to call until today when I gave them my card information to setup a recurring payment rather than paying off a total account at once as I have been doing. It was stated that I will receive another call towards XX/XX/XXXX when I should receive my taxes so that I can pay it off with them. This company has been told twice now not to call me at work, yet still does.
Consumer complaint received 2017-11-27
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. (FL)

EQUIFAX, XXXX, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I purchased a home and used Wells Fargo as my mortgage company XX/XX/2013. Since then my husband and I have made about XXXX-XXXX in improvements, turning our XXXX into a XXXX and redoing the bathroom downstairs and upgrading our backyard with pavers etc. My taxes obviously went up and I discovered my monthly payments went up {$400.00} per month because of escrow. I complained that I would like to get out of escrow and pay my own taxes and also have an appraisal done to get rid of the PMI as well. I needed to be at XXXX % LTV ratio for both. WF insisted I use their appraiser and he came in and appraised the house for only XXXX more than it was 3 years ago in a worse market and in much worse shape than it is now. Keep in mind I made significant improvements to the house. I am now at XXXX % LTV ratio with consistent on time payments and payments that are more than the mortgage bill every month and they will still NOT let me out of escrow or PMI. I contested the appraisal and they came back and used the same appraiser to review my appraisal and shot down all of my comps. They originally used comps from 2 years earlier because they claimed they could not find up to date comps, but I was able to! I am an agent and I know how to provide comps. I also have several friends in the real estate industry who claim my house was under-appraised by probably about XXXX-XXXX %. They are asking me to pay them toward the principal, but I will not because I know my house is worth a lot more than they claim. I am being bullied for .09 %! I would love to refinance but that will cost even more. I am tired of big banks bullying the little people trying to make a way for themselves in the world. Stay away from Wells Fargo! I constantly hear complaints about them from several people. They are rip off artists and have given me nothing but a hard time.
Consumer complaint received 2017-11-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recover, LLC (GA)

Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting  anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: NAVY FEDERAL CREDIT UNION (SC)

I paid off Navy Federal on a settlement. They have sent me documentation that I owe nothing more and I even filed a XXXX to pay taxes on the amount I did not pay during the settlement. It is still on XXXX and XXXX and needs to be taken off immediately. I have called several times and I keep getting the same answer that they will resubmit. It has been over a year now and it 's affecting my ability to buy a house.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2017-11-27
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: CITIBANK, N.A. (MD)

Citi was advertising a XXXX bonus point promotion for the Citi Prestige card when I decided to sign up. The only requirements listed on the find print of the promotion were to ( 1 ) open a new Citi Prestige card and ( 2 ) not have opened a Citi card within the past 24 months. Accordingly, I closed my old Citi ThankYou Preferred card and opened a new Citi Prestige card, expecting to receive this promotion. After all, I had not opened a new Citi card within the past few years. 

However, I was told by customer service over the phone, ex post facto, that the transaction was a " conversion '' and that I did not qualify for the XXXX bonus points. There was nothing in the fine print about this, though, and I clearly satisfied the two requirements that Citi had set forth, so I send a secure message about this on XX/XX/XXXX, and received a generic denial of my request from " Account Specialist, South Dakota. '' I then demanded to have my message forwarded to a manager, but I was summarily ignored and sent a nearly identical generic denial from " Account Specialist, South Dakota. '' On XX/XX/XXXX, I sent a complaint to the BBB regarding the atrocious customer service representatives who refused to let me speak with their manager, and received a call from a representative of the corporate officers who repeated the exact same generic denial over the phone that I had received via message. 

On XX/XX/XXXX, I contacted XXXX XXXX of Citi cards in an attempt to reach a resolution. I was told that I had consented to all of the terms of converting my account ( which were rapidly listed off over the course of a phone call ) and that these terms allegedly indicated that I would not receive the bonus offer. I still think that this is a dishonest way to do business. No other bank has been so intransigent with regards to honoring a promotional offer.
Consumer complaint received 2015-03-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I contacted Wells Fargo some time in XXXX and was offered cheaper and more convenient insurance which would be taken out with my monthly payment. I thought it was a great idea until I discovered I was lied to and this insurance only covered the bank. The policy started XXXX/XXXX/XXXX which covered XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$910.00} which they debited unknowingly to me on XXXX/XXXX/XXXX. After 3 months they increased my monthy payment from XXXX to XXXX for 10 months which I believed to be correct. ( Not knowing they also debited {$910.00} ) After I discovered they lied to me about being covered they debited another {$840.00} on XXXX/XXXX/XXXX ( again without my knowledge ) for XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I found alternate insurance from an honest company which went into effect on XXXX/XXXX/XXXX. Wells Fargo correctly credited me {$510.00} for the remainder. However, they now increased my payment again to XXXX without an explanation. On XXXX/XXXX/XXXX I requested a refund for XXXX plus {$66.00} XXXX XXXX XXXX XXXX XXXX ... they denied the request. I do n't know where else to turn after being lied to so many times prior. Please help. Thank you.
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

In 2015 I was approved for the Florida Hardest Hit Program where that program paid my mortgage payments for 12 months due to my hardship. I also was approved for the amount of {$18000.00} that would have went toward a portion of my amount to reinstate my mortgage but my Servicer refused those funds because it was not the total amount to reinstate. I recently completed my participation with the Hardest Hit Program and due to a decrease in my income I went to a HUD approved HUD Counseling agency to applying for a loan modification and the servicer has informed me that due to my mortgage being 3 years in arrears and a new rule set forth by CFPB they can not open a file for me to be considered for a retention option. I feel this is an unfair ruling based on if my servicer would have taken the {$18000.00} I was approved for by the HHF Program that would decreased the amount of delinquency and would have helped me in my attempt to save my home form foreclosure. I recently have increased my income and I am seeking a favorable solution to save my home.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/2023 I entered a customer assistance program that would close my account and allow me to make payments of XXXX for 60 months. 

I accepted this agreement because my monthly income has been inconsistent and I wanted to keep my credit score as high as possible. 

From my understanding of the customer assistance program, I would pay the XXXX by the due date or within the 30 days of the due date as with the normal credit card payment to prevent any late payments being reported on my credit report. 

My first payment of XXXX was paid on XX/XX/XXXX and I was planning on paying the XXXX payment this week. 

Syncrhony bank just reported 30 days late again which is not even possible if my payment was due on XX/XX/XXXX. 

I am trying so hard to improve my credit score and was looking forward to the customer assistance program being a part of that. 

What is the point of a customer assistance program if they keep reporting my account as late? That seems very misleading and improper. That is of no assistance and I would not have entered the program had I known my payments would continue to show as late.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (CO)

In XXXX of 2016 I added a charge of approximately {$600.00} to my Wells Fargo XXXX XXXX credit card. This amount qualified for a 0 % finance charge if paid within 6 months. In XXXX we called the company to ask how we could be sure the new charge would be paid in full since the increased minimum payment amount would not fully pay off the promotional balance. The representative we spoke to in XXXX said that anything over the minimum amount due that we paid would be applied to the promotional balance. For our XXXX and XXXX payment we paid over {$200.00} more ( combined ) than the minimum due. None of the additional amount applied to the promotional balance. Instead, the amount was applied to the larger balance which is at a promotional 6 % rate, allowing for equal payments over an agreed amount of monthly payments. On Monday, XXXX XXXX we contacted the company with the support of a Wells Fargo personal banker to find out why the payments were not being applied toward the promotional balance. The credit card company 's agent stated that " the law '' required their company to pay off the larger balance with any amount paid over the minimum amount. She also said that there was no way for us to pay off the promotional balance unless 1 ) we paid the full balance on the card in the next 4 months or 2 ) we waited until the final two months of the promotional term and then any additional amount over the minimum due would apply toward the promotional balance.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

We cancelled our XXXX XXXX service to be effective XX/XX/XXXX because we were moving. We were not able to move our service because XXXX does not offer XXXX service in our new area. We gave them our new address. 

On XX/XX/XXXX XXXX sent a statement to our old address which reflected a balance due for the period XX/XX/XXXX through XX/XX/XXXX in the amount of {$69.00} and a balance due for XXXX in the amount of {$38.00} ( total {$100.00} ). 

We immediately called and spoke to XXXX. She told us not to pay the bill, that the corrections would be reflected in the XXXX statement. Again, we gave them our new address. 

Despite telling us they would fix the problem, they sent us to a collection agency. We contacted the agency and sent a letter outlining the issues. We never heard back from them. 

In XXXX we received another collection letter from a different agency. We contacted them and wrote another letter. We never heard back. 

In XX/XX/XXXX, we received another collection letter from third agency. We contacted them and wrote another letter. We never heard back. 

Last week ( XX/XX/XXXX ), we received yet another collection letter from a different agency. We have sent them a dispute letter. 

Additionally, XXXX has reported us to the credit rating bureaus as not paying our bill. Technically, that is correct. But we have n't paid it because we have n't received a corrected bill. 

How many times can XXXX send us to a different agency? This is getting to feel like harassment. We are willing to pay what we owe, but we would like a corrected invoice.
Consumer complaint received 2016-02-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: URS Holding, LLC (NY)

On XXXX XXXX, 2016 at approximately XXXX United Recovery Systems called my place of business asking for my husband. This is completely inappropriate. This is clearly not my debt and even if it were they have no right to call my place of business. They asked to speak to my husband and when my secretary said " do you mean XXXX XXXX '' the agent responded of that must be his wife. We will call back. Please do not allow these criminals to call back my place of business for a debt they think my husband owes them.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (FL)

I first sent my complaint to Equifax back in XXXX XXXX XXXX  2017. Along with police report and supporting documents.  Explaining to them about the problem that I was having with XXXX XXXX for a fraudulent foreclosure against my property. After receiving my credit report. I asked to please remove XXXX XXXX  from my credit report. And said me a letter in writing updating the report wish Equifax refuse to do. I was told that there were not be able to do that write a letter but they would remove it from the credit report. Thank you