davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SD)

This complaint is to answer Wells Fargo 's misrepresentation once again concerning notification of my person and my attorney when Wells Fargo sold the existing mortgage to XXXX XXXX in XXXX of XXXX and didn't notify my attorney or myself until after the date of filing of withdrawal of the lis pendens ( not the lawsuit ) on XX/XX/XXXX. The lawsuit was withdrawn on XX/XX/XXXX just 3 days before the trial which they did not want to go through with as it was a frivolous case. This notification was submitted to XXXX XXXX, the XXXX XXXX XXXX XXXX lawyers, and admitted but crossed out my name as to the recipients receiving the notification. Neither Wells Fargo or XXXX XXXX notified my person or my attorney in XXXX of XXXX that the property had been sold and Wells Fargo had no more interest in the property located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I continued to pay legal fees even when there was no active lawsuit or lis pendens in place during that time. The question is why Wells Fargo didn't notify my person that they no longer had an interest in the property in XX/XX/XXXX and drop the legal actions, lis pendents and the lawsuit, in response. 

The second issue is Wells Fargo submitted an application that I signed to obtain a current credit report however stated that the credit report received was not available as the paperwork no longer existed due to its age yet they found all other documents relating to the application so clearly Wells Fargo does not want the courts or public to know that it was the fault of the Wachovia originators and underwriters who didn't catch the issue with the HELOC with the XXXX balance, an account the Wachovia salesperson said not to enter on the written application as they only want accounts with balances. 

This is the reason why Wells Fargo will not answer the question on why they filed the lawsuit as they knew it was frivolous but had an underlining agenda or motivation to do so which is still to be determined. 

This information is also going to the US Attorney to be announced.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

In XXXX, my husband & I received a notice ( from XXXX credit monitoring ) that our car payment with Infiniti reported as a 30 day late on our credit report for XXXX. My husband spoke with an infiniti representative who informed him to pay on the XXXX and his payment wouldnt be considered late nor would it report to the credit bureaus. In reality that was far from the truth. INFINITI reported the payment as a 30 day late payment for XXXX. We disputed it with Infiniti and the credit bureaus and the 30 day late was updated for XXXX. We contacted INFINITI once again on XX/XX/19, Infiniti informed us that the payment should not even report for XXXX instead it should be reporting for XXXX. Now this information have to be updated/corrected to XXXX. We received miss information from an Infiniti Representative therefore, the payment should not be considered a 30 day late payment. We are currently in the process of closing on our first home XX/XX/XXXX and this issue has inadvertently affected us. We have less than 30 days to have this issue rectified.
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: American First Finance, Inc. (OH)

On Wednesday, XX/XX/2024, I attempted to apply for credit with American First Finance in order to make an appliance purchase ( washer & dryer ) with XXXX XXXXXXXX  I started the application process by providing general information and some financial information. 
After a few screens, it asked for banking information in the form of my debit card. I supplied the requested information and pressed submit. Instead of moving forward, the application acted as if I entered some wrong data. I rechecked my card number, exp. date & cvv. Everything looked fine, so I hit submit again. The app still would not move forward. 
My next instinct was to call my local store. I placed a call to the store in XXXX Ohio to see what insight they could give into the credit process. They suggested calling the credit granted, American First Finance at the number she would give me. 
I hung up with the store and called the provided number and had to navigate a phone tree to finally reach a live agent. I explained to the agent what I was experiencing and asked if they could provide an explanation. The explanation I was given, I wasn't prepared for. 
According to the phone representative, I was told because I chose to bank with XXXXXXXX XXXX my debit card or financial information would not be accepted because they did not recognize the XXXXXXXX XXXX  as a reputable financial institution. To utilize their service, you had to bank with a brick & mortar financial institution such as XXXX, XXXX or XXXX XXXXXXXX XXXX 
I get that XXXX  is an online bank, but through this online institution, I have a checking account that accepts regular direct deposits, a savings account and a debit card that I can utilize in every store that I can think of ( XXXXXXXX XXXX XXXX XXXX, etc. ). 
I feel this company is unfairly limiting or granting credit based on unreasonable requirements. Why should they get to choose where I bank in order to utilize their services?
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (IL)

The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all XXXX Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. XXXX sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-11
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. KEEP IN MIND THAT THOSE ACCOUNTSDOES NOT BELONG TO ME.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I had an account with Wells Fargo. My card was being used online I filed complaints and kept explaining to them that it was the card being used. Instead of canceling and stopping all charges from card they left it open so all I could do was file complaints till they decided they didnt want me to keep their account open they closed it down and said they wanted no business with me when I explained before that my card account info was being used by someone else
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

My account was closed by Chase Bank Account number XXXX, on the letter Chase stated the funds I will receive 7-10 bussiness days it has been over three months I am waiting. I called in XXXX was told they will reissue a check but still didnt receive it. Today on XXXX2019 I called in and was informed my funds are being held it has been over three months I am waiting for my Money. 

I had two other business account with Chase which I already received my fund in the mail.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I just discovered that I have been charged a debt protection fee, of at least {$30.00}, monthly, on a Best Buy store credit card, since 2010. I never knowingly authorized such protection as I had no need for such protection. By my math, I have likely been charged somewhere between {$3200.00} and {$3300.00}, not including interest charges on that monthly fee. This explains why my Best Buy balance has remained around {$300000.00} despite making monthly payments. I use an auto payment system and do not regularly monitor the balance. I have not made a purchase, using that card, in at least two years. To me, this is just straight up fraud. I contacted Best Buy and cancelled further fees, but I contend I should be fully refunded these fraudulent charges. I attached the most recent statement.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 someone withdrew {$800.00} from my bank account. I took the steps I needed to take such as filing a claim with Bank of America and verifying my identification with EDD. My identity has been verified but for weeks Bank of America has not sent me any communication about my stolen funds. Since this incident, I have been put into debt because Bank of America does not give me the credit that is due to me. I have called the bank multiple times but they offer no help. They have frozen my account and I have not received my {$800.00} that was stolen from me.
Consumer complaint received 2021-04-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D. SCOTT CARRUTHERS (CA)

I have been contacted on numerous occasions by an alleged debt collector from phone number XXXX XXXX XXXX XXXX. They claim that I owe a debt on an old loan to which I have no knowledge. I have asked them on numerous occasions to verify the debt, and was told by the individual on the phone that he was not required to do that. On another occasion, I received a call stating that a process server was waiting for me at the last last known address they allegedly had on file. They stated that a lawsuit had been filed against me, and that they wanted me to meet them at this address so they can serve me copies of the legal pleadings. I have conducted a search on the XXXX XXXX XXXX XXXX website, and did not find any case filed against me. I am constantly being harassed and threatened on a daily basis by this company, and they have also somehow gathered contact information of my family and friends. They have called them, and during the discussion, they asked my friends and family to have me contact them about a debt, in direct violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

It seems Wells Fargo hasn't done much to clean up their act. It has only been a few years since they were caught in some of the MOST egregious violations by a bank in USA History. 
I had just opened a Wells Fargo Credit card, first statement was just printed on XX/XX/2019 and Wells Fargo took it upon themselves to report the full balance of {$1900.00} to all three credit bureaus, dropping my credit score from XXXX to XXXX. 
My first payment is not due until XXXX ; Why would Wells Fargo report this balance? 
this will increase my auto and home insurance and it is not correct information,
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

US Bank mailed me a ReliaCard for accessing unemployment benefits from the XXXX of Colorado. I have not filed for unemployment nor did I apply for this card. I called the phone number on the card ( XXXX ) to ask US Bank to close the account because it is based on a fraudulent application. 

It was impossible to access an operator through this phone number. US Bank would only proceed if I provided personal information including date of birth and social security number. I am not going to provide that information to a computer. 

I did fill out a US Bank fraud form but would have preferred to speak with someone as soon as I became aware of the problem. Scary situation, its a known problem with US Bank and they chose not to resolve it.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP (CA)

Linebarger Goggan Blair & Sampson , LLP has sent a collections letter via USPS that violates the Fair Debt Collection Practices Act. 

A copy of the letter is included in this complaint ( XXXXXXXX XXXX XXXX Illegal Letter.png ). 

This letter is in violation because the letter threatens garnishment via FTB interagency intercept collection program. 

This is illegal because ; 1. Credit agencies accessing public records of the intercept program can use this data to negatively impact a credit score. Threats towards credit scores by debt collectors are illegal under the Fair Debt Collection Practices Act. 

2. According to the " Master Agreement XXXX. XXXX with Linebarger Goggan Blair & Sampson, LLP '' ( https : XXXX ) page 2 of 5 ( AGREEMENT section 2d ) " Contractor shall prepare an electronic file transfer for those accounts forwarded from Court that are eligible for the FTB Tax Intercept Program . 
Court will forward eligible Accounts to the FTB '' XXXX XXXX XXXX red light camera tickets do not fall under " eligible Accounts '' for interagency intercept collections.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

I contacted Phoenix financial Services Inc on XX/XX/XXXX because I am in the middle of refinancing my home and just discovered that this company is reporting 2 separate collections debts on my credit report. On XX/XX/XXXX when i called I spoke to a XXXX XXXX I was told there is no pending debt they no longer have the debt in their offices and that this account had been sent back to the originator. I was very upset that this company has ruined my credit reporting accounts they do not own. I requested a letter to be sent to me stating that I do not owe this debt to them and I was told by XXXX that he would be mailing me a letter and having this removed from my credit report. However, 2 weeks passed by I still haven't received a letter from them I contacted them again because I am on a time crunch time since I am in the process of refinancing my home and need the letter and debt off my credit report. I called on XX/XX/XXXX spoke to 4 different representatives which 2 confirmed once again the company does not have the account in their offices. I was trying to resolve this matter I spoke to a supervisor who was extremely rude and stated they had no record of my call with XXXX. He demanded that I pay the debt that other representatives clearly told me they no longer had in their offices when i refused and asked for proof he hung up the phone. I have attempted to access this information online with the account account number that was on a letter I received from them, but I am not able to pull up any information. This leads me to believe that they do not own the debt and they are illegally reporting a debt on my credit that I do not owe and trying to reage the debt with a new account number. This has affected my refinancing rate that has now gone up because they failed to send me the letter and remove this from my credit report.
Consumer complaint received 2019-10-11
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: SYNCHRONY FINANCIAL (TX)

Per my credit profile pulled by XXXX XXXX and XXXX XXXX XXXX, JCPenny is reporting this account as " closed at the credit grantor ''. This information is incorrect. I requested this account be closed because I lost my job. I requested for JCPenny to  activate the clause in my contract that would protect my account from special circumstances. Unemployment was included under that protection. After several attempts for JCPenny to activate that protection, they refused to do so. As a result, my account became delinquent.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

In XX/XX/XXXX I got an email from a debt collection company Hunter Warfield about an debt that I supposedly to an old apartment complex, for damages. As soon as I got the email I called the company and gave proof that I did not owe this debt. After the call I did not hear anything from this company, and in XXXX of XXXX a collection was placed on my credit report. I have tried dispute this several times, with no luck. While, on the call on with this company one of their representatives tried insinuate that not paying this debt could hurt my chances of buying a home, before the guy I spoke with could finish the statement he was stopped by a manager listening to the call. The manger then asked me to resend proved of payment and gave me the wrong email address. I called back to get the correct email. I then after the call, called my old apartment complex to have them pull my pre-move in checklist that listed all the damages to my apartment before I moved in. The apartment representative said that she would have the manger pull the information I requested. Since that call in early XX/XX/XXXX I have not hear back from the manger, and they are avoiding my calls and refuse to talk to me. I called the collection agency back to see if they would close this debt for a lower rate, and they refused to accept the amount to close the account and fix my credit. I have tried everything that I can think of with no luck. I will proved the photos of the apartment with timestamps of when they were taken, my last bill, and money order that I paid with. Also I am going to be sending pictures of the emails I sent to this company, and got no reply.
Consumer complaint received 2019-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

My loan amount has gone up and not down. I have been paying $ XXXXmonth since 2003 on a XXXX loan at fixed rate of 5 %. At one point I checked and I had XXXX left to pay. Now all of a sudden I have almost XXXX! I cant get any answers from them. They say they have no documents from 2003.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (AZ)

I closed on a 30 year construction loan with BBVA in XX/XX/2019. During the loan application process i was told that i had to get my loan to XXXX XXXX as thats all i would qualify for based on my LTV ratio. I got my build costs to this number. When the appraisal came back the property and plans appraised for a higher value then estimated so I was told by my mortgage broker at the bank that I now had an additional XXXX to spend on building the house. This took my loan to {>= $1,000,000}. At no time during the loan process or in any disclosures were there any additional closing costs or closing draws documented. 4 months after closing my loan i met with my builder to discuss funds used for construction and I thought he had lost XXXX as i was paying interest on XXXX  since i closed my loan. Come to find out BBVA took this XXXX and applied it to a closing draw. I communicated this issue to my broker and he and I were still on the same page that the money was supposed to go to build the house and that all closing costs were already paid. When we went further up the ladder at BBVA they said he did his ratios wrong and that he took equity into play when he shouldnt have. I have this phone conversation recorded between him and his boss. My broker clearly tell his boss that the XXXX was respresented to me as build costs and not to a closing draw however they are still unwilling to make it right. If you would like this phone recording please let me know as they clearly lied to me to get my business.