davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo Bank. I am a checking account holder in XXXX, where XXXX has NO locations. XXXX was hacked a few months ago and notified me that my account was among those compromised in this data breach. As a result, XXXX encouraged the opening of a new checking account, which I did. They also provided me free credit checking services for a period of time. Since that time, XXXX has been witholding $ $ from my monthly interest payments, indicating that they do not have a properly filed XXXX on file. I phoned XXXX and they sent a XXXX form, which I filed and returned. They have indicated that this form was not completed to their satisfaction and they have continued the witholding. I have called repeatedly and received email communication advising me to go to a branch location to complete another XXXX. I have advised that XXXX has NO locations in my state and offered to send in a newly completed form if someone/anyone could advise where this should be sent. EVERY time I call, I am routed to another person, put on hold for upwards of an hour and advised to wait for further instruction. This is madness -- -and in my view, a violation of the XXXX  XXXX XXXX XXXX XXXX. XXXX had a breach, and they are now imposing a hardship on a customer as a result. Indeed, XXXX XXXX customer representative advised that I just drop the issue and deal with the withholdings at tax time. This can not be the law -- -Following my prior complaint, a XXXX XXXX sent me forms and closed my complaint. I have submitted the form twice now and nothing has changed. This bank is incompetent. Please help!
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (OH)

I have student loans initially with Navient. Navient was bought out by XXXX who now handles my student loans. 

I was sent a questionnaire or some form of document concerning Navient having a class action lawsuit against them for various reasons. I filled out this document containing my loan information, address and phone number. 

I am trying to find information about this lawsuit against Navient to see if my student loans are being forgiven or if there is monetary funds from this lawsuit. 

Can you help with this? 

XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I filed 2 claims where I provided information as well as police reports to my debit card being stolen. Though it got denied twice, I reopened it again for the third time last week because my funds were clearly stolen yet they kept denying it. As I tried to access my account yesterday, XX/XX/XXXX, it stated I was no longer enrolled. I called Bank of America and they stated they closed my account that morning due to business decisions. They stated I did nothing wrong and this would not appear on my credit check however they would continue with their closing process. This impacted me heavily as I get my paychecks on the first of each month ; with such a late notice before my paycheck was deposited, my direct deposit then entered a closed account. They stated I must wait 3 weeks to receive my check in mail however I can not wait that long. I thought I was a protected customer which is why I filed those claims, however it seems as if they chose to protect the thief rather than their own customer.
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pan Am Collections, Inc. (IL)

Male caller identifies himself as representing PAN AM Collections. Telephone number is blocked. Argues when I indicate I can not pay bill at this time. When I attempt to advise him not to call but to contact by mail, he states, loudly, " I can not hear you when you talk at the same time '' very loudly. Attempts to get me angry as a form of abuse ( I am suffering from XXXX ).
Consumer complaint received 2023-05-31
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. (TX)

on XX/XX/2023, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per credit XXXX and XXXX. Upon my further research, this account was transferred as Charged off i as a consumer is no longer by law responsible for this account after it has been transferred. 


In Accordance with the Fair act XXXX  XXXX Account # 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 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 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX will not update my credit report has not been updated since XXXX XXXX I let XXXX know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.
Consumer complaint received 2023-02-01
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)

accordance with the fair credit reporting act XXXX account # XXXX /account # XXXX, has violated my rights. 


15 u.s.c 1681 section 602 A .states i have right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NE)

I went to checkfreescore.com to get my 3 credit scores and they charged my debit for {$1.00} to verify who I am. I could only access one as it kept showing that the other two were unavailable. Now a week later and I saw a charge for {$39.00} on my debit card that I didn't authorize so I cancelled my debit card and I am disputing the transaction. I called the company and they tried to claim that I had accepted the ultimate membership and I informed them that I had not and I kept getting the runaround and they refused to issue me a refund! I found that they had done this to numerous other people! 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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. (PA)

I have a fraudulent XXXX XXXX personal loan reporting on my XXXX and Equifax. I have told the companies I never opened this and I never signed for this account. I was in XXXX at the time. I want this removed from my credit report, this is harassment. When I call they say its frivolous filing or that I opened the account. When I ask for proof they don't send me anything.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (KS)

I am writing to express my dissatisfaction with the pass overdraft fee charged on my account. I have been a loyal customer of Wells Fargo for 2 years and I am extremely disappointed with the way this situation has been handled. 

through the years and during COVID when charge went under due too the fact that I couldn't work I had payed hundreds of dollars to wells Fargo for over draft I was charged an overdraft fee multiply time for a transaction that I do not recall authorizing. Upon further investigation, I found that the charge was due to reason for overdraft, XXXX. a mistake in my account balance tracking. 

I am frustrated that Wells Fargo did not provide any prior warning or notification about the overdraft before it occurred, despite the fact that I have signed up for overdraft protection services. Furthermore, the fee seems excessive and disproportionate to the mistake made. 

It got to the point were I had to closed my account Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-03-10
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MO)

This file was opened 27 weeks ago in XXXX, the online platform used to negotiate short sales. Since that time, though the file has gone to underwriting five times, the file has yet to be deemed a complete file. Nationstar appears to be reviewing single documents or single pages of documents instead of an entire file. I have persistently asked that this file be considered 'complete ' for a short sale. I have submitted files and documents for months! Time to make this a complete file.
Consumer complaint received 2023-02-01
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: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/2023 I went to purchase an XXXX ticket, and I was going to inquire about a credit card. I never submitted the application yet received two separate credit cards in the mail. I called to get them canceled & inform them about this issue. They said even though the website was having issues & kept refreshing they couldnt do anything about it. I was told to contact this resource for help.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (WA)

Allied sent me a letter saying I owed {$130.00} but would take less.for an old XXXX  XXXX that was closed and payed off.but they offered a low amount so i called them And said If you take it off credit report I would pay it. They said yes ok!!! I have a witness that was on other line to verify this.I called them and they said they would take care of it.and desputed with XXXX and XXXX.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage was acquired by SPS Servicing it was not originally done through them. It was not set up with my property taxes impounded in the mortgage but somehow they added it. I never gave consent to do this and I sent a letter in writing asking for it to be taken off but I never got a response. This has been going on since XXXX of XXXX. My issue is that I pay my property taxes outright and on time. I have never been late or ever missed a payment but my lender pays it too after me and then it is added to my escrow account. ( I will upload an accounting from the City of XXXX XXXX with their actual accounting of my payments and the lender 's payments and when they sent the refunds to the lender, the check number and the address they sent the refund to so you can have that as well. ) However, my account is still impounded and my escrow is still being charged for the property taxes that they paid even though they were refunded. The first time it happened was XXXX of XXXX. I paid my supplemental taxes in late May on time, a week later they paid it. I immediately called and caught the error and called the City of XXXX XXXX to find out if they were refunded. In XXXX of XXXX they were refunded, I got the ch # and the address it was refunded to and I gave it to my lender. I call them every month to pay my mortgage and try to rectify this issue but it never gets amended. In XXXX of XXXX I paid my property taxes again on time and again they send it a payment to the City of XXXX XXXX after me and they were sent a refund for that amount and again I sent them that documentation but I got no response. And again it is now XX/XX/XXXX and it is not reflected on my account and my escrow was still charged again. I do not know what to do at this point. I do not my this to affect my excellent credit and I can not get this company to do anything. Please help!
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

Ensuring punctual payments has always been my practice with this account, never allowing any payments to lapse into overdue status. I'm puzzled by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be made.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (IL)

have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My name is XXXX. I am a veteran and the lawyer from VA recommended this website to me to file complaint. Currently I am facing a foreclosure issue with my mortgage company. I used to have my mortgage with XXXX XXXX XXXX, and I never had any problem with them at all. However, since they sold my loan to Nationstar Mortgage LLC, the nightmare began. My due date is XXXX of each month, they kept calling for payments in the beginning of every month. When I told them that I have made my payment already, they would just hung up on me. I have always paid my mortgage before due date, but they just posted the transition after my due date to charged late fee. For that reason, I needed to make my payment a week before due date to avoid late charge. Started last year, they added a liability insurance to my mortgage. I own a condo, and the insurance is included in my HOA payment. So I called and sent them copy of my insurance with all the details few times, and they said they will look into my account. In the meantime, I kept paying my original payments on time. Three months ago, I tried to make my regular payment online as usual, but their website wo n't let me to pay. Then I called them again and tried to solve the problem, they told me I have to pay the insurance that they added plus late charge and interest with money order. I have been called and discussed with them this few months. However, they just sent me a letter this week, and tried to push my home into foreclosure. 
If you check their customer review on XXXX, you will see they have been doing this to a lot of their customers. Unfortunately, I am one of them now. Can you please look into this issue and let me know how could I solve this problem.Thank you.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (VA)

- XXXX XXXX card went to collection in XX/XX/XXXX to XXXX XXXX XXXX in XXXX TX, for the amount of {$1000.00}. 
- No late fees were deducted for the first 3 months of collection XX/XX/XXXX - XX/XX/XXXX. Nor this company discuss doing that, for me. 
- I agreed to pay {$50.00} a month until it was paid. 
- They used a sales pitch to get an XXXX XXXX XXXX card with a {$500.00} limit once the debt was paid. I told them I did not want it and I did not want a lot phone calls as I would pay the debt as stated two lines above. 
- They appeared to be using some over aggressive tactics, by means of tone of voice and words. I do not appreciate that. 
- On XX/XX/XXXX on or about XXXX eastern standard time : Caller from XXXX called me and said her name was XXXX XXXX, from XXXX XXXX. She said " we are gon na need to some secure some checks, this a 30 day card, so we need to get some checks from you ''. I already pay via bill pay to XXXX XXXX, as I was originally told I could do. I also said I planned on having the debt paid with 12 months roughly. I told them this XX/XX/XXXX. I then explained to XXXX XXXX, I do not give my checking account information out over the phone. Hence, the reason for XXXX directly. 
XXXX XXXX also said during the course of the conversation : " Are you getting a an IRS refund? '' That is personal and not any of hers or their business. XXXX XXXX then says " Well we just want to see if you can pay more, now? '' - These are aggressive and unprofessional tactics, a completely disgraceful manner to conduct business. When XXXX XXXX realized I was well aware of my affairs, she quickly said thank you and got off the phone. I do not even know if she really works there or this was spoof call. Either way, if she does, XXXX needs to correct their training deficiencies and enforce quality control. 
- Bottom line is they are unprofessional and the above statements reflect that.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (NC)

I hope you can help me! I sent a letter to the credit bureaus on XX/XX/2023 and haven't gotten a response i would like a reinvestigation! It's still incorrect information on my report! My understanding is 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. I will list the accounts below! 


1. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report.

4. The following personal information is incorrect XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NV)

On XX/XX/2020, sent them a letter to provide me with factual evidence that I have any legal obligation to pay the debt and provide me all the proper documentation I need. listed in the letter attached here but I never receive any.
Consumer complaint received 2023-05-31
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)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX XXXX XXXX XXXX do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.