davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is conducting UNFAIR BUSINESS PRACTICES. 

Wells Fargo ignored my questions in the complaint and glossed over one element and did not address the 5 resolutions that are needed.

1. Wells Fargo needs to reimburse me for over charging me for home owners insurance.

in 2022 my insurance bill of two policies totaled {$12000.00} ; Wells Fargo charged me {$19000.00}. Wells Fargo owes me {$6600.00} from 2022.

2. Wells Fargo claims are " shortages '' year after year, yet year after year they have overcharged me. Wells Fargo needs to repay in full for every year they have conducted this unfair business practice.

3.Wells Fargo needs to give me the full escrow report. I never asked for an escrow account. I have asked to have it closed a multitude of times.

4. Wells Fargo needs to pay interest on all over charges for the length of the loan.

5. I would like to close the escrow account, and be reimbursed for overpayments.

6.I would like to be reimbursed for all fees charged by wells fargo that was stated in their offer letter to defer payments until the end of term at no cost or penalty to homeowner.
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

I received a claim from XXXX and Convergent for amount owed of {$220.00} with client account XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This claim is incorrect and not owed. 

Convergent Outsourcing XXXX XXXX  XXXX XXXX, WA XXXX Mess started when I tried to cancel XXXX XXXX services XX/XX/XXXX for final billing and cancellation. I had been with company for more than 8 years with on-time payments. Rates increased again, so I decided to change to competitor. 

Called again XX/XX/XXXX for final billing, cancellation and status of return packaging for the DVR. 

DVR Box confirmed received by XXXX XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX 

Received another bill from XXXX. Called XX/XX/XXXX to cancel yet again. Proration clarified for {$170.00}. I paid amount owed on XX/XX/XXXX to XXXX. 

Received another bill from XXXX. Called XX/XX/XXXX. Agent claimed account active and I signed up for another 2 years of services. Agent claimed cancellation fees owed for early termination. I responded why on earth would I return my DVR box and cancel my service, and then agree for 2 years of new service? The XXXX agent supposedly adjusted my account. 

Yet another bill received. I called XX/XX/XXXX. Agent noted confirmation XXXX XXXX XXXX XXXX XXXX  for cancellation XX/XX/XXXX. Submitted complaint to Better Business Bureau via online service. 

Another bill received from XXXX dated XX/XX/XXXX. Called yet again to Financial Services Department of XXXX, spoke with Sianthia XXXX XX/XX/XXXX after bill received. Agent stated {$0.00} balance on account and paid in full. Letter would be received in 3-5 days. 

Received letter from Convergent dated XX/XX/XXXX stating {$220.00} owed. Agent clarified that XXXX owns the debt, not Convergent. Provide backup by fax XXXX and email XXXX. Agent clarified that once letter received from XXXX, then Convergent will close out. I faxed XXXX confirmation that account closed. 

XXXX XXXX debt collection agency sent letter XX/XX/XXXX. Replied back with mailed copied of XXXX close out letter. 

XX/XX/XXXX Convergent letter received yet again attempting to collect on closed amount. 

Advice to others is to return any DVR box and equipment to a person in a XXXX store, no matter how inconvenient the location or timing. Receive receipt for equipment and {$0.00} owed. Returning via equipment return box provided by XXXX XXXX is NOT sufficient action and will result in more than a year and tens of hours of wasted time.
Consumer complaint received 2023-08-09
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. (CO)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-02-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION (NC)

In XXXX BB & T gave XXXX XXXX XXXX two depository Checking accounts without my Signature in the name of XXXX XXXX XXXX, XXXX. This was FRAUD. Once he obtained these accounts he captured XXXX income deposits into these accounts, wrote himself checks made out to CASH, and had them CASHED by local XXXX BB & T branch Tellers XXXX XXXX and others. These checks made out to CASH total well over XXXX from XXXX to XXXX. These statements where directed only to XXXX XXXX home address and not the address of the XXXX. In addition to this CASH XXXX XXXX initiated various LOC ( Lines of Credit ) in XXXX for XXXX with BB & T. He placed this ALSO in my XXXX owned business name of XXXX XXXX XXXX. XXXX. Theres been numerous Complaints filed against BB & T with both the XXXX and CFPB and most recently now the SEC complaint has been XXXX as well. BB & T has demonstrated it Corporate Williness to LIE, Fabricate, and attempt to cover up this FRAUD and even Forged Bank Documents. Cases where filed in XXXX VA, where it was discovered the local Judge had a Deep Family History with XXXX XXXX XXXX which was later acquired by BB & T. This XXXX was asked to Recuse himself from these matters, yet he has refused to do so. BB & T has hired lawyers, who are caught on various Emails Apparently Stalking my house, which has also been XXXX at during the time this was reported back in XXXX and is still ongoing to this very Day in XXXX. BB & T its XXXX and XXXX leadership has demonstrated a direct and open williness to engage in all sorts of Tactics to Deny any rights to " Due Process ''. Its is my further opinion that the SEC should investigate this Bank and should find that my statements a Truth and have well documented Standings. XXXX United States XXXX and the CFPB should report this to the XXXX and proper authorities to investigate and ban BB & T from completing any such Merger with any other Banks giving them more power and control. These are serious allegations and I am stating the Truth and have FACT to back that up in many forms. Too much to even begin to upload here.
Consumer complaint received 2022-05-03
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 — Investigation took more than 30 days
Company: Flagstar Bank, N.A. (AZ)

I have two delinquent payments on my credit report that were due to some circumstances that were beyond our control. 

XXXX. In XX/XX/XXXX XXXX XXXX mortgage originally had a billing issue and when they sent their bill they were sending it to the wrong address. So, they actually removed the delinquency, but when we sold the home 6 months later they added the delinquency back. It's almost like they were upset not to keep the loan. So, I called them and asked them why they removed it one time and then added it back later, and they said they had to report correctly to the bureaus. Then I told them how they were at fault for the original issue and once we got the correct address resolved then we paid the mortgage and put it on autopayment. They refused to remove it again. I find it very suspect that they would remove it, and then eventually put it back on later once they were no longer our mortgage lender. You can probably see from your end and from the credit agencies where they did remove it and then put it back on the credit reports. 

XXXX. In XX/XX/XXXX our mortgage was purchased by flagstar bank. We had just purchased an investment property in XX/XX/XXXX and the mortgage was sold to flagstar bank. So, we had the mortgage on autopay with the previous company and thought everything was fine. During this transitions, in XXXX and XXXX we were the victims of some scams and fraud where our mail was not getting routed to our address ( it was all getting sent to the post office ), and flagstar didn't have our mailing address XXXX XXXX XXXX file, so we weren't getting the bills. Once I saw the delinquency on the credit report I immediately called them and paid the balance, set the mortgage up on autopay, and told them the issue. I then went to the post office and found out they had been holding our mail for XXXX, XXXX, XXXX ( See photo of me picking up the mail at the post office ). The lady at the post office was shocked to see so much mail and didn't understand why I wasn't notified with a letter or note on my door. The mortgage company said they don't handle dispute issues over the phone and I had to do a written request. So I sent in my request stating the billing address error and the mail fraud error, and they declined our request to have the delinquency removed. You would have thought they would have called me first after 15-30 days to do some collection services before submitting a delinquency to the bureaus. 

Both of these instances were billing errors on the part of the mortgage company and the company did not take any responsibility. They also didn't call me to ask me why we were late or discuss payment plan options, or in the case of flagstar they didn't call to see if we were distressed during COVID. In each case, they both showed quick hard handed responses to issues that were simple to be resolved with a mere phone call.
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (IN)

I have repeatedly tried to contact AD astra recovery service about a unknown account on my XXXX, XXXX and XXXX  credit reports. I have no idea where this account came from and not has been properly informed. It is hurting my ability to apply for credit.
Consumer complaint received 2019-02-11
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: EQUIFAX, INC. (GA)

Ireceivedacopyofmycreditreportandthereareitemsonmycreditthatarenotmine.IdidntevenknowanythingabouttheseuntilIwasnotofferedajobbecauseoftheseitemsonmycreditPleasehavetheseremoved.XXXXXXXXXXXXXXXX/XXXX(acd#XXXX),XXXXXXXX/XXXXXXXX.XXXXXXXX/XXXXXXXXXXXX,XXXXXXXXXXXXXXXXXXXXXXXXXXXX{XXXX,XXXXXXXX,XXXX/XXXX.XXXX/XXXX/XXXXXXXX/XXXXandXXXXXXXXXXXX.IreachedouttomylocalpoliceandtheFTC.
Consumer complaint received 2019-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report and there are items on my credit that are not mine. I didnt even know anything about these until I was not offered a job because of these items on my credit Please have these removed. XXXX XXXX XXXX XXXX ( acd # XXXX ), XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX { XXXX, XXXX XXXX, XXXX. XXXX/XXXX XXXX/XXXX and XXXX XXXX XXXX. I reached out to my local police and the FTC.
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (OH)

To Whom It May Concern, The reason for my dispute is American Coradius International, LLC. # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA . Also, American Coradius International, LLC.

failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) American Coradius International, LLC. failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.American Coradius International, LLC. is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where American Coradius International, LLC. is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. American Coradius International, LLC.. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2019-02-11
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)

I received a copy of my credit report and there are items on my credit that are not mine. I didnt even know anything about these until I was not offered a job because of these items on my credit Please have these removed. XXXX XXXX XXXX XXXX/NA ( acd # XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX { XXXX, XXXX XXXX, XXXX/XXXX. XXXX/XXXX/XXXX  XXXX/XXXX  and XXXX XXXX XXXX. I reached out to my local XXXX and the XXXX.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (HI)

my colleagues and i each received {$500.00} prepaid visa debit cards. Upon trying to use mine, it had already been " hacked '' and used at what appears to be an east coast grocery chain ( i live in Hawaii ). i reported the theft to vanilla gift cards, and filled out the proper paperwork to document the theft. i was told to expect 45-90 days ( I sent it in XX/XX/22 ). It has now been over 90 days, and vanilla gift card is no help. 2 of my other colleagues also had there money stollen too. This is a major problem, and vanilla gift cards isn't doing anything to help.
Consumer complaint received 2019-02-11
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. (CA)

I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from my credit.
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

Repeatedly tried to contact XXXX XXXX XXXX XXXX to no avail. The company is placing derogatory marks on my XXXX, XXXX  and XXXX reports. This information is completely wrong and needs to be corrected immediately.
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AL)

XXXX XXXX and Ability Recovery Solutions are reporting on my credit file that I owe monies for attending a school I never attend {$310.00} is being reported on my credit file each month. I tried contacting the school about the matter who advise me that I signed a contract which was never signed by me.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

THIS ACCOUNT XXXX THE REST OF THE ACCOUNT NUMBER IS BLACKEN OUT ON THE REPORT PLEASE SEE ATTACHMENT. I HAVE WORKED WITH CAP 1 TO GET THIS REPORT CORRECTLY AND THEY REFUSE TO FIX IT. THIS ACCOUNT WAS PAID IN FULL WITH A XXXX BALANCE AND THEN CLOSED BY ME. BUT THEY STILL ARE REPORTING A BALANCE WHICH IS HURTING MY CREDIT SCORE AND INCOME TO DEBT RATIO.
Consumer complaint received 2019-02-11
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: WELLS FARGO & COMPANY (MS)

Most of the questions asked were not about my problem! 
My credit numbers dropped significantly because of this problem. 
First off I have two business accounts at WELLS FARGO. 
I applied for a credit card from WELLS FARGO approximately XX/XX/2019. I received a negative response from WELLS FARGO ( approx. XX/XX/XXXX ) stating that I was turned down because ... ... I WAS DECEASED???? How ignorant when I have two accounts with them. 
Please help as it has effected my credit very much
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC credit card is showing on my credit report and XXXX XXXX XXXX, XXXX is trying to collect on a debt on HSBC behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX  credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or HSBC is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX   in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.
Consumer complaint received 2023-08-09
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. (CA)

This is one of my multiple attempts to notify 3 credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc. (CA)

We had Internet in our old apartment while I was serving in the United States XXXX. 
As we moved because I was a separating the military we ended our account with our XXXX. 
We went to pay our final bill and we were told we do n't owe anything on the account which means we allegedly had a {$0.00} balance. 
Months later I saw that the XXXX had sent us to collections for the amount of {$62.00}. This is incorrect as we were told we owed nothing on the account.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Experian Information Solutions Inc. (TX)

Reuesting that experian remove all my XXXX, XXXX late payment while i was in forebearance. 
I need the late information removed. it was unfair to be reported as late. 

forebearance rules say, no late or miss payment would be reported as late while in forebearance per the gov't issued rules to any of the 3 reported credit agencies. 

I was granted forebearance from all of XXXX to XXXX, then loan modification review period from XX/XX/XXXX to XXXX of XXXX. 

I was just granted hardship by XXXX XXXX, I had filed back in XX/XX/XXXX, that the co-borrower died of XXXX. I had been asking for relief until end of XX/XX/XXXX. 

Was told by XXXX XXXX, Loss and mitigation dept. they are overloaded with request and did not have time until now to offer me hardship, it was an overview. 

My Loan modification to begin with New Payment of {$2500.00}, it is being changed from {$2800.00}.
Consumer complaint received 2019-02-10
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. (GA)

I'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX BANK, XXXX   XXXX BANK, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX  XXXX BANK, XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX BANK XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX BANK XXXX XXXX, XXXX XXXX XXXX, Bankruptcy chapter XXXX, Bankruptcy : XXXX XXXX, Chapter XXXX bankruptcy XXXX.
Consumer complaint received 2019-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharged, Bankruptcy : Discharged XXXX, Chapter XXXX bankruptcy discharged.