davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

Early this year I left my debit card in front of this computer I am now using, which I allow my XXXX year old son and friends use. It disappeared and I put a stop on it. When it didn't show up after weeks, I requested a replacement, by phone. One was sent, but only to the street address, and I live in XXXX. It seems to me that disgruntled and poorly paid employees are engaged in a kind of work slow-down in which they intentionally fail to do things properly. I noticed the address on my account had been changed to one without province or country and contacted Wells Fargo Bank to correct that. The address was again changed incorrectly, but mail continued to arrive from them, just not mail with a replacement debit card. I made contact again and again, wasted hours and hours on the phone, and finally asked if I could use my credit card to access my funds, and not be charged extra for doing that. I was advised to go ahead then request a fee waiver afterwards, and did so. I was charged about {$240.00}, requested a waiver and was offered a discount of {$20.00}. I said that that wouldn't do. 
At one point I was asked to accept and return a code number sent by SMS. I said I couldn't get to the SMS code while remaining on the phone with the " Banker '' - we disconnected and I'd have called back with the code but none ever arrived. I have complained and complained but for half a year now have been in difficulties because of Wells Fargo ineptitude and incompetence. I could deposit a check but would then be forced to wait SIX MONTHS for the money to arrive to my account here in XXXX. Or I can use the extortionate " cash advance '' through my credit card to access funds already in my account. This has gone on far too long and I now have no faith in Wells Fargo to provide the services they have long been engaged by me to provide. My address has not changed in 10 years and I continue to get mail from them, mostly to say that an address change for me has been made, despite that my address has NOT changed, except by one numeral in the road name, a change made by local government over which I have no influence and which the post office here doesn't care about anyway. Please help. I have a family to feed, and today my wife, in fear, left for work in another province. None of us in this family are pleased about THAT!!! My address here in XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need the following items to be updated or deleted from my file immediately : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Synovus Bank (GA)

Dear XXXX Staff, We at XXXX XXXX ask you for your assistance and alerting synovus to the behavior of their branch manager at their XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX location. 

The branch managers repeated lying, and failure to keep her promises to their customers is absurd. 

This began a month ago now. First, she opened the account for us and sent the card to the wrong address. 

For the next two weeks we would repeat it we call the XXXX number and the local branch to have the problem fixed. She personally assured us that she would be resending the card expediated free of charge to us. Synovus should be able to pull up the recorded calls confirmijg this. 

Today I drove to that same branch, and spoke to an associate named XXXX XXXX. XXXX XXXX was kind enough to apologize for all that has happened, and told us she would be expediating a new card for us free of charge and would waive this month 's account fee since we have not been able to use the account at all due to the branch manager 's consistent mistakes. 

However, as we were literally driving into our driveway the branch manager calls us up arrogantly saying that we will have to pay for the expediated card. She even admitted without noticing that she had never sent a second card to the right address. Yet demanded we pay for the expediated shipping if we want the card now. 

Those are two clear lies she was caught in. For no other reason than her attitude problem. Her behavior is awful at synovus should be trusting their branches to people like XXXX XXXX, not disrespectful liers such as their current XXXX XXXX.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid the full balance of my account on XX/XX/23 prior to due date of XX/XX/23. I paid via automated kohls phone number and it stated my payment had successfully processed. My kohls account online also reflected paid. Please see attached. I received an email on XX/XX/23 from kohls stating I had a past due amount of {$29.00}. I immediately called and they stated my phone payment submitted XX/XX/23 returned on XX/XX/23 which was also the statement date however I was not notified until after the statement date and when this was reported to credit agencies nor did my kohls account reflect a past due status ( stated {$0.00} owed ). My current balance also reflects {$0.00} owed. Please see attached
Consumer complaint received 2023-01-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

We have been attempting to complete a loan modification with Truist for 18 months. They first lost our completed package from XX/XX/XXXX, never informed us until we called. Then we had to fill out a second package early XXXX and was never informed it was completed. We received a late bill months later in XX/XX/XXXX with a complete stranger added to our mortgage. Truist made us fill out a third loss mitigation packet XXXX XXXX which we did. We were told in XX/XX/XXXX that we were missing paperwork and would need to fill out a fourth packet- then we called XX/XX/XXXX as we had yet to receive it. We were told XX/XX/XXXX that everything was sorted and we needed to wait for our options ( XXXX ) days. Today, XXXX XXXX we received a letter dated XX/XX/XXXX that we were in default on our mortgage. 
We immediately called and spoke with XXXX in loss mitigation. They had kicked us out, she apologised for their mistake on XXXX XXXX and informed us that we could finally make a payment on XXXX XXXX and if we made three additional monthly payments, we would be given our modified loan. 

This has caused so much stress and time. We were told multiple times that we could not make a payment until a decision was reached by loss mitigation, then we were told we could, then we would try and be told no payments would count until loss mitigation process was complete. 
Truist has lost our paperwork, not communicated when something was missing, told us it was being processed and to waitmultiple times. Their failure to inform us of payments resuming in XXXX, adding a stranger to our mortgage, then failing to inform us which paperwork was missing, telling us no paperwork was missing, saying they sent us letters/called us when they did not, and then putting us into default- none of this was necessary. 
We have finally been given the option to make our monthly payments, but this has been an absolute nightmare and I want assurance that we can keep our home and resume payments as normal. We should never have been lost in the shuffle and had our payments fall behind solely due to their lack of communication and failure of training every employee to know their procedures regarding payments and modifications.
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (MI)

XXXX sold my account to I.C.System INC. They are in violation of HIPPA I did not authorize my medical records be given to a third party. I did not give permission to release my medical records. Nor did they advise me that this was something that was going to happen.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: USA DISCOUNTERS LTD (CA)

the following excerpt are from emails from the debt collector : Hello, Sir I think that was rude for you to hang up on me I was only trying to help you good luck. 
XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I did not hang up on you I am in a federal building and I do not get service in my office. 
Respectfully, XXXX XXXX. XXXX, XXXX You are calling me while I am at work also I am on Pacific standard time as I live in California XXXX you understand we have not heard from you since 3 years ago XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I will still have to contact dfas if this is n't paid. 
XXXX XXXX Account Representative if I do n't have the payment back on your account I will have to forward your account back to my legal department to start paper work please respond. 
XXXX XXXX Account Representative
Consumer complaint received 2023-02-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Malen & Associates, p.c. (NY)

Name is XXXX XXXX my complaint is that malen associates has not responded to my faxes and written communication regarding file XXXX the debt is for XXXX  XXXX credit card ending in XXXX. I ask malen and associates to set me up on a payment plan I could only afford XXXX XXXX dollars a month and I would like start my first payment in XX/XX/2023. But the problem here is that they have not responded to my request. And I think their doing that on purpose to make it look like I haven't responded in a timely manner. I wrote to them in XX/XX/2023 also.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name XXXX XXXX XXXX  Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (ME)

I have agreed to AmEx 's paperless billing and had my notifications set so that I would receive an alert each time a statement was published in my account ; however, I never received notification when the XX/XX/XXXX statement was created. When my XX/XX/XXXX statement arrived on XX/XX/XXXX, I logged in to find out that I missed the payment and I immediately paid the outstanding balance in full. Then I chatted with customer service, who agreed to waive the interest and late fee associated with the missed payment as I had already rectified the situation. I've attached screen shots. 
Then, on the next month 's bill I was charged additional interest and fees relating to the same event, in which AmEx had already agreed to waive the interest and fees. To date they have charged me {$180.00} for the single missed payment, net of the interest and fees they did waive on XX/XX/XXXX. I've closed my account and paid their fees to keep them from further bullying me, but they acted in bad faith.
Consumer complaint received 2023-01-17
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)

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 has violated my rights. 

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 2023-02-11
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: Experian Information Solutions Inc. (GA)

ON XX/XX/2022 AN FRAUDULENT LOAN WAS OPENED WITH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HAS THE ACCOUNT WHICH HAS REINSERTED XXXX XXXX ON MY EXPERIAN CONSUMER REPORT THIS ACCOUNT IS NOT MY ACCOUNT I DID NOT PROVIDE WRITTEN PERMISSION ATTACHED IS A LETTER FROM XXXX XXXX XXXX XXXX REGARDING THE REQUEST TO CLOSE THE ACCOUNT AND IT TO BE DELETED FROM MY CONSUMER REPORT
Consumer complaint received 2023-01-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the BANK OF AMERICA but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

I received a phone call from a company claiming to be  XXXX  or possibly Americollect claiming they had accounts of about 800 dollars in my name.
I have received no notice from any credit account or creditor claiming i was delinquent. I have received no notificaiton from anyone that i had outstanding debt about to go into collection. I received no letter from any collection company. I was told they mailed a letter to me on   XXXX   XXXX  .
Following the phone call, i ordered an  XXXX  credit report. My report shows that i have no accounts that are in collection and have paid on time on my accounts since 2013.
the collection company will not tell me who is claiming that i have delinquent accounts.
My credit report shows i have no accounts in collection and this is very distrubing.
Consumer complaint received 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

ONSUMER FINANCE.GOV CONSUMER FINANCE.GOV XXXX  AL XXXX CONSUMER FINANCE .gov XXXX AL XXXX XXXX Dear Sirs : I wish to file a complaint against the company SELECT PORTAFOLIO SERVICING INC for the following reasons Currently the company BUSINESS XXXX XXXX XXXX maintains a mortgage loan with the company SPS which is paid on time every month. 
On XX/XX/2023, SPS sent me a letter stating that due to an analysis of my account, an excess deposit in guarantee of {$4400.00} has been determined and that they will return it by means of a check to the address that they have in their database ; However, the address was wrong and the check never arrived and according to them they canceled it. 
From that date I began to call XXXX XXXX XXXX to coordinate the delivery of the check and correct the address, however it was very difficult to follow up on the check because the company indicates that it only sends checks by public mail and there is no way to follow up or check if they really sent it, they do not show any evidence of the issuance of the check or the shipment, so it has been more than 4 months that I call constantly and communicate with different advisors who lie and give me different versions and the check does not arrive to my power despite the fact that I have changed the address and it is constantly verified, in recent days I have talked with supervisors to see if I can get them to comply with sending the check but it has been useless because there are also several supervisors who do not comply with sending the check with a tracking number for which the check is lost and they cancel it without consulting me and we come back from scratch and I do not receive the check. 
For these reasons, I want to denounce the company SELECT PORTFOLIO SERVICING INC for improperly withholding the guarantee deposit in excess of {$4400.00}, not properly informing the sending of the check showing evidence of the issuance of the check and the sending of the check and, above all, showing a tracking code to be able to track the check and the constant misinformation given by your staff. 
Due to the attitude of the company, I consider that their intention is not to return the amount indicated, for which I appeal to you to contact them and indicate the reasons why they do not comply with sending the check with a shipping code and if necessary I can assume the cost as already indicated Sincerely
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

This one person emailed me how they help orphanages with money in which people donate, and so I agreed to send them money in which I did. After I did for some reason they emailed me a check of XXXX, so I used the check and they asked for the money of the whole check and much more from my wallet, I told her or him no why and she got her or his friend on me. They're friend threatened to call fbi on me and get my bank account banned and steal my money from me, and they did steal money from me, about XXXX. And theyre still forcing me to use their fake checks and give them my money and the checks money, and if I dont theyll steal more from my bank account. This started about 2 days ago.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have reported to all three credit bureaus, XXXX XXXX, Equifax, and XXXX that this account is over seven years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.
Consumer complaint received 2023-07-10
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. (NV)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-17
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: Experian Information Solutions Inc. (MD)

There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  to address this issue. The case number is :  XXXX .