davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NV)

Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding the handling of my consumer banking account ending in XXXX. I believe that my recent experience with Wells Fargo reflects significant issues in their customer service and resolution processes, and I seek your assistance in resolving this matter. 

In XXXX, I received a notification that my account was being closed due to a random address verification requirement. While I initially received the verification letter without issue, subsequent communications revealed that my correct address was not utilized for further correspondence. This discrepancy resulted in delays and significant inconvenience on my part. 

Furthermore, despite being assured that I would receive a refund of {$420.00} within XXXX business days, I have yet to receive the promised check. Upon inquiry, I was informed that my correct address was not on file, despite it being used for the initial communication. This failure on Wells Fargo 's part to maintain accurate customer information is deeply concerning. 

To compound matters, I received a letter dated XX/XX/XXXX, instructing me to complete a form titled " Replacement of missing cashiers check - Reference PMB account '', which mandates notarization. It is unacceptable that I am now expected to undergo additional steps, including notarization, due to Wells Fargo 's mishandling of my information. 

It has been XXXX  days since the promised refund, and I am still without my money. The inconvenience and frustration caused by Wells Fargo 's errors are unacceptable. As a consumer, I expect transparency, accountability, and timely resolution of issues from financial institutions. 

I request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Wells Fargo rectifies these issues promptly. Additionally, I seek compensation for the undue stress, inconvenience, and financial losses incurred as a result of Wells Fargo 's negligence.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

RE : Letter to Remove Inaccurate Personal Information : To Whom This May Concern : I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Please delete all other names and addresses. I can not receive mail or send mail out from any other address other than the one address listed above. Their are incomplete and unknown addresses and phone numbers listed that should not be on my personal credit. Everything is incorrect but the address listed above this paragraph and the phone number listed below this paragraph. 

My only phone number is XXXX Please delete any other phone number as they do not belong to me. I can not send or receive any calls or text messages from any other number than the one listed above.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alliant Capital Management LLC (CA)

I received a call and voicemail from the company on XXXX at XXXX. A few minutes later they called my employer. They didnt give me a chance to even listen to the voicemail and return their call. I had no idea what they were calling for because they didnt send the proof of debt email until after at XXXX XXXX. They responded to a previous complaint stating they called 4 different numbers in a 20-30 minutes span. They also stated they sent the proof of debt and then started with the harassing phone calls which isnt true. They called me at XXXX and sent the proof of debt at XXXX XXXX. My issue is they should give people a chance to hear their voicemail and return the call before harassing all these other people.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CA)

On XX/XX/XXXX, I viewed my credit report and saw a collection that I have no idea about. I have no knowledge of this debt. The original creditor was XXXX and now Jefferson Capital has purchased the debt and sent me to collections. I have never received any phone call, emails, or any mail regarding this debt. I call Jefferson Capital and they have no information on my debt when I gave them my Social Security number. I believe someone committed identity theft on me, this debt does not belong to me.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC (IL)

Waypoint purchased an account from XXXX. I filed XXXX XXXX  bankruptcy XX/XX/XXXX. The account went to collections in XX/XX/XXXX. The account was added to my credit report in XXXX. I contacted my attorney XXXX XXXX regarding the account. XXXX contacted waypoint  on XX/XX/XXXX to which they stated they never received notice of bankruptcy and were provided with that. The account has been disputed and waypoint will not fix this account after my XXXX dropped XXXX points because of their inaccurate reporting.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I applied for a loan modification ( HAMP ) Program on XX/XX/2016 with my servicer Wells Fargo Home Mortgage ( WFHM ). I hired an attorney to help me with my application and they confirmed my financial application was received by WFHM on XX/XX/2016. My attorney states I qualify for the HAMP program. WFHM underwriter refused to review my loan for a HAMP loan modification even though the HAMP program allows them to review me because my application was in fact received before the deadline for HAMP expiring ( XX/XX/2016 ). Wells Fargo Home Mortgage underwriter stated they were missing two pages of the application, Dodd Frank and the 4506T, neither of which contain any financial information. I believe WFHM is doing this solely because they do n't want to help me save my home. I qualify for HAMP and deserve to be reviewed for it.
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Go Capital Holdings, LLC (NC)

I recently received an auto loan from subprime lender GoFinancial XX/XX/XXXX. I was hit with Identity Theft in XX/XX/XXXX and am still experiencing such, including I was hospitalized and was unable to work. I did fall behind on my payments however, I contacted them and advised of my hardships I was experiencing on top of my bank accounts being accessed and liquidated by the infiltrator. I was advised to make {$100.00} payment to avoid my car being repossessed. On XXXX XXXX, my car was picked up a month prior GoFinancial had placed my account in a charge-off status after I had explained my situation and hardships and advised I only had to make a {$100.00} payment. I paid my past due balance and picked up my car but was advised my account will remain in charge-off although there is no actually repossession.
Consumer complaint received 2015-12-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen - XXXX XXXX - Consumer Ombudsman 's Reply to Complaint # XXXX She states payment of {$24000.00} RECEIVED on XXXX/XXXX/15 " satisfied XXXX/XXXX/15? Payment & coupon were for XXXX 2015. She says the CHECK was returned " NO ACCOUNT '', NO DOCUMENTS attached. Ocwen 's Payment Reconcilliation History shows NO XXXX PAYMENTS RECEIVED, POSTED, or Suspense Balance. She said a {$100.00} fee was for default. MY LOANS have NEVER been in Default. Ocwen FAILED to POST PAYMENTS.
Consumer complaint received 2023-02-17
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. (TN)

These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX
Consumer complaint received 2023-05-13
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. (SC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

have received information regarding a debt that is being claimed against me. 
LVNV FUNDING LLC Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT.

- PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT.

- LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA.

After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response.

Regards.
Consumer complaint received 2023-02-08
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)

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : - XXXX Account # : XXXX -XXXX  Account # : XXXX -XXXX Account # : XXXX -XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX Account # : XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-17
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. (CA)

In XXXX of XXXX I sent a letter to you disputing a bankruptcy that does not belong to me. For the 2nd and final time, I'm filing another complaint for a bankruptcy that does not belong to me, that is showing on my credit report. I contacted XXXX ( the consumer agency with whom you get this information from ) and asked them to verify the accuracy of the information that you are showing on my credit report They responded and verified that the disputed information was inaccurate as reported and that it is no longer on my consumer file. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for Equifax for the last time to remove the bankruptcy off my credit report within 15 days and all fraudulent tradelines showing on my report that is listed they are under bankruptcy. As I am a litigious consumer, I trust that Equifax will correct the issues I have brought to their attention and remove expeditiously. Let me clarify what I am asking is to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report. If this time the bankruptcy is not removed from my credit file I, will most definitely file a lawsuit in small claims court for violations of the Federal Credit Reporting Act for compensation for the failure to remove this erroneous information. If my attachments isn't good enough I highly suggest you do your due diligence and contact XXXX for proof. I will not wait 30 days for you to investigate as I have given you 30 days back in XXXX of XXXX You have 15 days to correct this problem.
Consumer complaint received 2015-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Collection Bureau (ID)

Northeast Collection Bureau repeatedly calls, from varying phone numbers, giving different names, always with a harassing tone, claiming they have a debt that needs paying. They refuse to name the original creditor or the amount owed. Currently do not have any debt in collections associated with this company. They have been told repeatedly to cease calling. Ignored. I 've researched the company name online, and found many complaints that they are a scam agency, scaring people into paying them, and that many of their targets had to get legal counsel or police involved to stop the harassment.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

So I sent a letter of to the consumer reporting agencies XXXX Equifax and XXXX to remove address from my personal information and that I am a victim of identity theft back in XXXX of XXXX According to the fair credit reporting act 15 USC 1681 I have the right to privacy also according to 15 USC 6802 no final institution is not supposed to share my information to third party people they are clear violations of my federally protected consumer rights The names are XXXX XXXX XXXX XXXX Address are XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

I have received my Chex systems report and it contains inaccurate and fraudulent information on my credit report I have received my affidavit from FTC.GOV which will be included. this account is not mine and its verifying information is inaccurate. I have noticed the Chex systems have a variety of addresses and phone numbers which are also not mine, which are also Listed in the report.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX, I contacted the company to file a dispute. The representative process my dispute and I was told within 7-10 days I will receive a provisional credit while waiting for the investigation to complete. It is now XX/XX/XXXX and I have not receive any provisional credit I supposed to receive while a pending investigation. It appears the company is not following the policy of a provisional credit to the customer during the dispute process, so the customer can have the use of their funds.
Consumer complaint received 2017-02-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation (TX)

This agency Global Finance continues to call on a automated line on a daily basis and I 've called them to let them know that whoever they 're trying to reach I do n't know that person and to please STOP calling and they said that they would but I 'm still receiving calls asked them again this morning.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I filed a complaint on XXXX  and Capital One. My card was closed for no reason. When I called and spoke with XXXX  (  XXXX )  He advised that on my prior complaint to them that I reported it wasn't my account. I never said that, what was said was that my account needed updated to {$24.00} and I needed removed from an authroized user on account ending in XXXX. Capital One said to submit the fraud paperwork and I did that, but haven't spoken with someone since. When I called Capital One and spoke with XXXX she advised that XXXX  would need to open my account back up. I have all complaints/documents for all of this mess. It's ridicoulous that I have call and write so many times. XXXX  couldn't have closed my account with Capital One and it was never reported to any one that it was a fraud account. Capital One couldn't provide what credit bureau reported it as fraud. 

This is what I reported- I contacted Capital One to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One Capital One credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

on XXXX I was contacted by my former employer that they received a certified letter for me to their personal address. The letter was a pre legal notification from Midland Credit Management about a debt they claim I owe. I was never notified of this debt prior to this notification AND they sent the letter to my ex boss 's home! The letter said I had until XXXX to pay the {$1200.00} they claim I owe for I will face legal action. On XXXX, I called the number on the letter and spoke with 2 individuals. The first said they could file a claim for fraud when I asked if they could verify the debt with me but would not provide the documentation I asked for to verify the debt. The Second Gentlemen I spoke with named XXXX XXXX an account specialist ) was rather accusatory and aggressive in his communication with me. I asked if they could mail the verification documents to me and he refused claiming I was " only trying to buy time ''. I repeatedly told him I am happy yo pay a debt I owe, however I am unaware of what this is and would like to just verify the information. He continued to be combative and unhelpful. He said they could email the documents to me but would not mail them BUT he would also not do that either. He directed me to the Midland website and said all the verification docs would be there. I logged on after I got off the phone with him and the ONLY documents available to view on their website for this particular debt are billing statements from XXXX and the letters sent from Midland that were mailed to the wrong address. 

During my conversation with XXXX, he acknowledged that they sent the correspondence to the wrong email and mailing address. He then said " Is that our fault that XXXX sent us two addresses? You can not blame us for that but we did send mail to ********* which you have said is the wrong address. I understand... but we did send mail. '' He claimed that even though the correspondence was sent to the wrong address multiple times the debt was still verified. He also continued to harass me about why my old boss didn't previously reach out to me regarding the other letter they sent to his house. He continued to ask that question multiple times after I said to him that isn't his concern and they should have sent all mailings to MY address rather than the address of my old boss. The information he disclosed on the call leads me to believe this is not my debt but these debt collectors refused to send ME the documents they sent someone who is not the alleged account holder. This seems particularly predatory to knowingly send debt collection correspondence to the wrong address and refuse to send that information to the correct address. This tactic seems insidious because they are unwilling to pause their legal pursuits to PROPERLY verify that this debt belongs to the person they are threatening to sue.