davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

This is a follow up complaint to a prior one filed last month where I expressed concern that Wells Fargo was intentionally delaying my modification, repeatedly asking for documentation previously sent claiming it was not received and not returning calls. The worst has happened. 

I have actively been working with an individual by the name of XXXX XXXX ( " Home Preservation Specialist '' ) who I have been in routine contact with ( and often hard to reach ) who reassured me on a three-way phone call with an underwriter everything has been received and being processed last month. He even told my son on a separate private call the same thing the very last week of XXXX. 

This month I received a letter dated XXXX/XXXX/17 stating my loan modification has been closed due to lack of documentation. How?! This could not be. No notification was ever sent that something else was missing and I was just on the phone being told my loan is being processed and all is good. I was also informed by XXXX XXXX, an " Executive Mortgage Specialist, '' who my internal complaint was escalated to that the bank is " looking for the best modification '' for me at the time. ALL LAST MONTH. 

After receiving the letter last weekend, my son immediately sent an email to Wells Fargo Mortgage " Executive Office '' again where a woman named XXXX XXXX is now supposedly looking into this with a resolution dated XXXX/XXXX/17. 

But in the midst of this, a man came by my home the other day inquiring about my house being foreclosed on to my surprise. I immediately informed my son who went online and saw that Wells Fargo sent a Notice of Default to my county in XXXX unbeknownst to me, and while I was in the middle of this modification, which is the beginning of foreclosing proceeding - a PRIME CASE OF DUAL TRACKING and intentional deception. 

Unfortunately Wells Fargo can not be trusted and this needs to be escalated outside of the bank ASAP. I am afraid of losing my home after over a year long worth of attempts to work with them and sending any and every thing asked. The deceiving, lying, unethical and perhaps illegal practices have left such a level uncertainty about where I will lay my head. I have been sending paperwork after paperwork for A YEAR. 

Wells Fargo is saying there is no sale date and that the foreclosure process did not begin until XXXX/XXXX/17 ( the date of the letter ). But it should not have began at all. I can not trust them when strangers are coming by asking me about my property being foreclosed on when I was under the impression my modification is being processed. 

Please investigate this. Foreclosure should not be taken place. I hear this is happening all too often. I have proof of the documentation sent.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Experian 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 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 XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

on XXXX XXXX I find out thatCollection Services Of AthensXXXX XXXX XXXX, GA XXXXhad place a new collection on my credit report immediately I sent them a letter Disputing this Alleged Debt they received my letter on XXXX XXXX 2015 in this letter I informed the that I was disputing this information under USC 1692g Sec. 809 ( b ) in this letter I requested A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill as require by federal law any medical facility to provide itemized invoices upon request. 
they Responded to my request for verification on XXXX XXXX 2015 the did not provided any of the proof requested instead they sent me a letter saying that they had contacted their client and that their client had confirmed that the Name and Address on the Account was CorrectThe Courts have Ruled that knowing Some ones Name And Address is Not Enough to Validate an Account. 
I sent them a second letter on XXXX 2015 giving the a second opportunity to validate this account by providing me with the requested information. 
A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (MA)

I received a bill in the mail from an collection agency, I was offered to pay less than originally owed. I paid the amount in full as agreed on XX/XX/XXXX. I contacted all three credit agencies and sent proof but still is on my credit now showing late for XX/XX/XXXX and XX/XX/XXXX. I also paid a second bill in full of XXXX on XX/XX/XXXX. To the XXXX XXXX XXXX XXXX XXXX. Also still on credit report.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account name : 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 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 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 2016-08-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (KY)

BB & T has overcharged my account {$290.00} this year. I have attached the transaction summary of my account from the BB & T website. I have indicated on it where they have overcharged my account. During XXXX there is an overdraft on XXXX/XXXX/16 and the account was not overdrawn. On XXXX XXXX charged my account and it was n't supposed to. When I complained to BB & T, they told me first to contact the company to see if they would reverse the charge. I did so and XXXX reversed the charges yet I was still charged an overdraft fee. Had the overdraft fee not been taken out on the XXXX for no reason my account would not have been overdraft on the XXXX for the XXXX mobile payment, which I was again charged an overdraft fee for. I should have accumulated 1 overdraft fee on XXXX for the XXXX purchase. This one incident overcharged my account {$150.00}. 
BB & T also keep charging my account a maintenance fee, even though the customer service rep told me when I signed up for an account, once my direct deposit started, it would NOT be charged a maintenance fee. So do to this debit, I again overdraft on this account. I was not charged an overdraft but do not understand why I am still being charged this fee when I have had direct deposit. 
I was charged a correct overdraft fee on XXXX and then in XXXX, I was charged {$8.00} each day even though my account was only overdraft 1 day not 7 days. So this occurrence overcharged my account {$24.00} During the month of XXXX I was charged {$72.00} for overdraft fees yet again my account was NOT overdrawn. I should have been charged 1 overdraft fee on XXXX for the XXXX debit. On this occurrence I was overcharged {$110.00} On XXXX I was charged an overdraft fee and my account was again NOT overdrawn. I should only have been charged an overdraft fee on XXXX for the speedway debit. On this occurrence I was overcharged {$36.00}. 
So in total I have been overcharged {$290.00} this year in overcharges. 
The response given by the BB & T representative did not address the issue over overcharges to my account. It appears all they did was copy and paste from a manual. 
So in total I have been overcharged {$290.00} this year in overcharges. 
Please address each occurrence separately. Thank You
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NY)

Use remitly to send urgent money abroad, believing that they will deposit in " minutes '' as their advertising says and beo it takes around 6 hours for the shipment. I used the service on XX/XX/2020 at XXXX XXXX, in total it was XXXX dollars and they told me XXXX for the shipment. I expected to receive the money in minutes as its advertising says but then I realize that an email arrives saying that it would be delivered on XX/XX/2020 at XXXX XXXX. This is not an Express service as advertised. I feel cheated by this company.

Now I have to go out and look for where to send the urgent money because it does not work for me 6 hours later. I need it in " minutes '' in the destination account.
Consumer complaint received 2015-09-21
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (NJ)

My loan payments are current. They are calling me and the co-signor every XXXX minutes from morning until night. When I do answer the phone and talk to them they see that I am current and state that it is a " glitch '' in the system. However they are still calling every XXXX minutes to both of us and this has been going on for at least 3 weeks now. I am getting ready to call an attorney. Please help. Thank youXXXX XXXX
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX/ CAPITAL 1 OPENED XX/XX/XXXX XXXX. XXXX CAPITAL   1 BANK USA OPENED XX/XX/XXXX XXXX. XXXX CAPITAL 1 BANK USA OPENED XX/XX/XXXX XXXX. XXXX THEY MADE PAYMENTS ON THE ACCOUNTS UNTIL I CONTACTED THE POLICE DEPARTMENT AND CLOSED MY BANK ACCOUNTS IN WHICH WERE ALSO HACKED INTO.
Consumer complaint received 2020-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

We have 2 mortgages, 1 - our primary with Freedom Mortgage, the other is a real estate investment with XXXX XXXX. 

We never have made any of our payments late, yet both mortgages show that we are in forbearance status. We have tried repeatedly for lengths of time to have the banks change the status yet it remains. 

We are in the process of selling and would like to refinance the other loan. I am afraid it will be a huge problem for us to do either if the status shows that we are in forbearance. We also understand that the credit bureaus show both these loans in forbearance. 

When I emailed Freedom about this, they said it was because we made a late payment in XX/XX/2019, I have a confirmation email from them and the withdrawal from our account proving that is an inaccurate response. 

Please help us, we are not sure how to proceed. 
Thank you so much! 
XXXX XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

In XXXX, 2016, I signed a contract with a " matchmaking '' service and charged the fee, {$5500.00}, on my XXXX XXXX card. That promised service was not provided, and I contacted XXXX to deny payment to the company and credit my account- I provided detailed information as to what happened and why the payment should be denied. In XX/XX/XXXX, the sale of the XXXX COSTCO credit card business to Citi was completed, and Citi took over the " investigation ''. There 's no evidence that Citi did anything other than accept a ( false ) statement from the merchant at face value and denied my complaint in a letter I received this week. In the letter, they also threatened to damage my credit standing if I did not pay the bill immediately. In fact, the bill about been paid in full, including the disputed charges, a month earlier. I responded with a letter, complaining about their decision. I have also filed a complaint ( pending ) with the Office of the Maryland Attorney General.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I was living in Utah helping my parents. I was never served court papers. And never knew court was being held without me. They had to of lied about serving me papers. Its been 11 years ago and there still harassing my credit report. Statutes of limitations are long over and they need to stop reporting to credit bureaus this lie.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank is in violation of the Consumer Financial Protection Bureau 's Consent Order XXXX. As required in paragraph XXXX & XXXX of this order, Chase Bank should have provided me with an effective credit agreement and at minimum copies of the last XXXX ( XXXX ) monthly Account statements. I have never received an effective credit agreement nor the last XXXX monthly Account statements. 
On or about XX/XX/2015, at approximately XXXX XXXX CST, I contacted Chase Bank via telephone in order to request information in regards to these accounts. I spoke with XXXX XXXX with ID # XXXX and requested that information regarding these alleged accounts be sent to me. XXXX XXXX stated that Chase Bank did not have information regarding these alleged accounts. This is a violation of this Consent Order because paragraph XXXX requires that Chase Bank provide a consumer with an effective credit agreement and the last 18 months of monthly statements.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. I am requesting that you block and delete these accounts and inquiries as permitted under XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). Below is a list of the fraudulent accounts and inquiries that I am disputing : XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX XXXX - Account Number : XXXX XXXX Opened : XX/XX/XXXX - Balance : {$180.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$5700.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2300.00} XXXX. XXXXXXXX XXXX  - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX XXXX XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXXXXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiry : XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

2 Issues : My loan was for attending the University of XXXX from XX/XX/XXXX to XX/XX/XXXX. Approximately {$10000.00} per year was borrowed. It became clear to me about one year in that the XXXX was only concerned with taking my money, and had very little consideration for the quality of education it was offering. Classes were taught by local business folks with little or no experience as educators. Classes were often dismissed hours early. Everyone received an " A '' grade on every assignment, regardless of the quality of work submitted. In XX/XX/XXXX, I decided to suspend my " education '' because of the lack of value I was receiving -- I was already {$30000.00} in debt ; I did n't want to push it to {$40000.00}. 
Issue 2 : After I left XXXX, the real nightmare began. I was contacted soon after I left school to begin repaying my loans. I started to do so, but was having trouble making the payments they were demanding. I was told if I could n't make the payments, the servicer would garnish my wages at a XXXX % rate -- I thought this was a better way, because i would n't see the money, instead it would go straight to my balance. Not so. In XXXX year or more of garnishment, more than {$11000.00} was collected from me. NOT ONE CENT went to my loans or interest due ; instead, the servicer charged me penalties in exactly that amount, while at the same time reporting against my credit. My credit was ruined, and it remains ruined today. 
Now, after completing a " remedial '' program with FedLoan Servicing wherein I made 9 months worth of payments to get back to current status, FLS promised to remove the derogatory information from my credit. After completing the program, they refused to remove the derogatory information, and my credit is still ruined. 
I have no education, {$17000.00} in debt ( after working very hard to get to this point ), and a bottom-rung credit score.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (PA)

I was charged for two months by XXXX that was unauthorized on a USBank secured credit card. I did not authorize XXXX XXXX to charge my credit card after XX/XX/XXXX. I paid cash for XX/XX/XXXX, and ongoing. In XX/XX/XXXX, I was charged for two months ... XX/XX/XXXX and XX/XX/XXXX, even though I was denied access to my storage unit, and the owner forbade me from accessing my property, starting on XXXX, even though his normal policy is that I am not locked out until after the XXXX of each month, and that I may still keep my bill current, as long as I pay by the XXXX of each month. On XX/XX/XXXX, the owner, XXXX XXXX denied me access to my belongings. This is in addition to locking me out on XX/XX/XXXX. When I contacted the credit card company, USBank, they told me that I still had to pay these charges. No. I had already acquired a different storage unit at another facility, starting on XX/XX/XXXX. There was no reason for me to pay for two months for no reason, especially since I did not have access to my property!!! Not only that, but I was homeless, and my blankets were in there, and I froze for most of the month of XXXX! Not only that, but since he charged my credit card for two months, I was unable to purchase a bus ticket to California, to be with my son, and rent XXXX rooms together. My credit is ruined, and I am unable to pay this amount. Not only that, but it is extremely unfair. I had told XXXX XXXX in XX/XX/XXXX, that I was unable to pay for XX/XX/XXXX, and would he help me move my stuff to another storage facility. First, he said he would move my stuff with his free truck, advertised with his business, then he offered his personal car, then he changed his mind and offered a different storage unit, free of charge for two months, then, on XX/XX/XXXX, he changed his mind altogether and stole all my stuff. Then, in XX/XX/XXXX, he charged me for two months, and said if I did n't get my stuff out immediately, that he would charge me for XX/XX/XXXX, as well. This is just crazy. I explained all this several times to US Bank, but they are still charging me, and even though I told them not to apply my deposit held in my account toward this bill, they did anyway. And they call me on average, of XXXX 's a day, including Sundays. I do not owe US Bank, nor XXXX XXXX, nor XXXX XXXX one red cent. It 's absolutely preposterous.