davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

I worked for Wells Fargo Home Mortgage in XXXX They laid me off due to the mortgage crisis. I asked them to modify my loan based on the loss of my job. They gave me a few hundred dollars off of my loan. I showed them my reduced income could not sustain the new payment. I requested a second loan modification and they gave me a second one. A few months later they sold my house at the court steps through an independent broker. The broker had a relationship with an independent investor and sold the house for {$360000.00} less the appraised value. I lost all my equity and I lost my home. 

I paid the monthly payment for the loan modification. I want to be renumerated for loss of equity up to this date. The house is now appraised for {$1.00} XXXX. 

The address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX. My wife and I were the original owners and builders of the home.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc (GA)

Sometime in XXXX, Schwartz Vays began contacting me about an unpaid debt of XXXX  fees. When I contacted them back, I asked them who the person was that reported the debt to them. After obtaining that information, on XX/XX/XXXX, I wrote them a letter letting them know that the person who contacted them on behalf of the XXXX was no longer apart of the board as of XXXX and didn't have authority to report accounts to the creditor and I also provided them with verification that they were voted out. The creditor then filed to place a XXXX on my home as of XX/XX/XXXX and are requesting payment of l XXXX XXXXXXXX feel it unfair since they should not have had my information in the first place since the person who reported the debt also should have no longer had access to my information.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

An adverse action letter was sent on XX/XX/2023 and delivered on XX/XX/2023 stating " We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement '' The only different activity on an account was exercising the right to use the Bill of Exchange Act. There was no other change in account usage. There were no wrong usage of the account nor any violations made. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The closing of the three accounts were discrimination from exercising rights in good faith.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

From XXXX to XXXX my bank of America account, I never present any type of setback, I never carried out any illegal action, I had my credit cards up to date, I properly used my personal account. 

In XX/XX/XXXX I was notified that my bank account and all accounts related to me would be closed, without any reason or explanation, that account only made transfers by XXXX, air transfer, and personal expenses related to me and my family. 

I was notified that I can not reopen an account with them without any reason for explanation, and arbitrarily closing my account, where at no time is any irregular action present. 

For the date of XXXX, I was never notified that making use of the XXXX was a violation of the bank 's rules. So I would like to know if I could solve this problem with the BANK OF AMERICA bank.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION (AZ)

Opened 3 FREE child savings accounts and they continued to charge my kids accounts fees even though money just sat in them to the point they over drafted and they sent it to collections. Even though I called several times to resolve it the branch manger ignored my calls. Finally getting a hold of her she was rude and refused to help saying they had sent information they had not letting me know about the charges. I not only have never gotten anything from the bank regarding the free accounts I have not gotten calls emails or any letters even knowing about these dormant charges for a free Childs account. I was never made aware of these terms when signing up for them nor was I notified about the charges till collections started calling. They have not only over drained the accounts {$150.00} in a couple months of this which they said a simple call regarding the accounts would have prevented it but now I need to pay another {$45.00} to just close the accounts.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My mortgage loan with Select Portfolio Servicing was paid off in XX/XX/XXXX. I recently had the title for my property checked and there was still a lien from them against my property. Unfortunately, the original Beneficial underwriter filed title paperwork for the loan that I declined as well as the loan that I accepted. The loan that I declined never existed. There was never a mortgage and the paperwork was destroyed. I called SPS regarding this issue on XX/XX/XXXX, and sent them a copy of the erroneous title lien the same day. It was uploaded into the account documents that I still had access to despite my account having been closed. I contacted their customer service department and was advised that the request needed to be referred to their reconveyance department for investigation which may take up to 30 days. I advised them to call me if they needed information or documents. I called SPS the week of XX/XX/XXXX and the associate got the impression that they were investigating the lien that was handled correctly despite my calls and the documentation that was sent to them. On XX/XX/XXXX there was a document added to my account that they were investigating my case with a new 30-day timeframe. This is unacceptable. I have a pending loan and this impacts a potential professional opportunity for my ex-spouse as his name is listed on the title as well. I have requested to speak to the reconveyance department and they do not accept incoming calls and I have not received a call from them. I need to have the lien against my property removed. There was never a loan for the corresponding lien.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I dont have any recollection of these inquiries. I was told I couldnt dispute them if they was 6 months back. 
Name Requested On 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 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 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 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 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
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following accounts, collection accounts and credit inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report is fraudulent and the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (VA)

I tried to place an order with XXXX XXXX, but something went wrong and the order was cancelled. XXXX also refunded the money. Apple card will not update the transaction. I have already asked them to. They claimed it would automatically update which it has not. Apple did this before with another merchant who refunded a purchase. It took Apple card months to fix the transaction.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (WA)

Chime banking online Locked me out of my account on XX/XX/XXXX because without my permission XXXX XXXX ( my ex ) Took it upon himself to create a bank account online with a company called XXXX. XXXX did that so he could deposit funds off a gift card and then withdraw them via my Chime account. I reported this as Fraud and I have been working with Chime to try to regain access to my account. Chime requested me to send it via PDF copies of my ID front and back which I provided. Chime also requested a statement from XXXX XXXX  concerning that transaction which I provided copies of the emails between XXXX online support via email, communicating the specific transaction, confirming that that account was closed, that there were no funds on hold, and the transactions involving Chime had been returned. This is all over less then XXXX XXXX Todays date is XX/XX/XXXX Today I was trying to once again access my Chime account and they are used to connect me to any management refused to provide me with any process of communicating with management and will not give me access to my account. Not only this, but I was hung up on twice.
Consumer complaint received 2024-08-03
Product: Credit reporting 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. (OH)

I have notice that I have 8 unauthorized inquiries on my Equifax Credit Report. I never authorized anyone to look into my credit. There is an unknown address on my credit file that I don't recognize
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX reported account as late XX/XX/23, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/23 late payment still appears on all three credit reports ( XXXX, Equifax and XXXX ).
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX at XXXXXXXX XXXX I received a phone call from a Wells Fargo representative saying there was a suspicious transaction with my debit card in Georgia. I told him Im not in Georgia and I live in California. He then told me I was going to receive a new debit card within 7-10 days and that it was going to be shipped to my home address in California. I asked if he could add it to my XXXX XXXX because I was going on a trip to XXXX California on XX/XX/XXXX, he said he did, but to access and use I would need my physical card to enter in my security code. I then called again that night just to see if my card could be expedited some how and the representative I spoke with said unfortunately because the card was already processed to be shipped I couldnt make any changes. 
XX/XX/XXXX I received a notification on my Wells Fargo app saying my debit card was shipped and it Was shipped to an address in NEW YORK. ( I live in California ). I then called Wells Fargo fraud department that day and they told me that message was a mistake because my card was sent to my home address in California. 
XX/XX/XXXX I got a phone call saying they are Wells Fargo and that there was fraud on my account. I checked my account and I was wiped out {$2700.00}. 
I called Wells Fargo fraud department, and told them the story how on XX/XX/XXXX I got the initial phone call for fraud and was sent a new debit card. I then told them I called to raise concern about the New York address. The senior analyst I spoke with said that it was a one time address change. I never requested an address change nor did I ever receive my debit card, so the employee initially helping me must have made that change without my consent. I called XXXX to follow up on my claim and they said it was denied, due to my card being physically put in an atm machine. I then spoke with another senior analyst about my issue And had concerns about my card never being shipped to my physical address, he was unaware of the issue as he said that it was not written anywhere.. dont you think banking fraud analysis write up everything a customer is saying in full detail? All calls are recorded and monitored so shouldnt they be able to look into all phone calls? Wells Fargo is hiring people who are making fraudulent activities to peoples accounts. Now Im negative, while having a family to feed and bills to pay
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (OK)

I am part of XXXX My federal loans should have been forgiven, which they were, and a refund for all payments made, which has not happened. I have contacted Mohela several times about this issue. I started calling once I received my letter then my loans were indeed forgiven due to the lawsuit. I have reached out to Mohela, and my call log is as follows : XX/XX/XXXX min - refund amount was given by the agent. She indicated she has also confirmed with her supervisor, and told me a specific amount, down to the cent. It was just over {$26000.00} that I should expect for my refund. 
XX/XX/XXXX minutes - Agent not able to see info has been sent to DOE - 90 day minimum XX/XX/XXXX, 7 minutes - Agent states no updates - request for clarification on refund submitted XX/XX/XXXX minutes - Agent states no updates XX/XX/XXXX minutes - Agent states no updates XX/XX/XXXX, 6 minutes - Agent states no updates XX/XX/XXXX - Agent states no updates - minimum of 90 business days for info to be sent to DOE, so I should expect that to be complete by XX/XX/XXXX at the earliest. Then another 90 business days for the info to be sent to DOT, so expect a minimum of about 6 months for any updates. 

I should have already been made whole, and sent my refund. Why was the 1st agent able to give me my specific refund amount, and no one else was able to see it? Why has it not been sent to me?
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

I am writing to file a formal complaint against Wells Fargo Bank N.A. regarding an unresolved dispute concerning an alleged debt and a requested refund of an excess credit balance on my account. I am the authorized representative and principal under the Social Security Administration. 

On XX/XX/scrub>XXXX XXXX I sent a letter via U.S. certified mail to Wells Fargo, which was received and stamped by an agent on XX/XX/year>. In this correspondence, I made two main requests : Verification of the alleged debt Affidavit in support of 15 USC 1666d treatment of credit balances Despite my clear requests, the only response I received was a generic acknowledgment dated XX/XX/scrub> XXXX indicating that they would respond within ten days. As of today, I have not received any further communication or the requested documentation. 

The lack of timely response and the generic nature of their acknowledgment raise concerns regarding Wells Fargo 's good faith in our fiduciary relationship. As they are obligated to act in my best financial interest, I am deeply troubled by the possibility that they may not intend to refund the excess credit balance currently on my account.

To address this matter, I am formally requesting the following documents : Certificate of Financial Statement This must be distinct from a billing statement, which only details transactions. I require a comprehensive accounting of my account.

Loss Deficit Report Signature Certification Verification This document must be provided under penalty of perjury and should reflect any damages or losses incurred, indicated by red entries. 

If Wells Fargo is unable to produce these documents, it will further substantiate that only an excess credit balance exists, thereby confirming that a prompt refund is due to me under 15 USC 1666d.

I appreciate your attention to this matter and request that you assist in ensuring that Wells Fargo Bank N.A. fulfills its legal obligations. I expect a response within 14 days. If I do not receive a satisfactory response within this timeframe, I will escalate this matter further. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : 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 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/XXXX