davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (OH)

Was contacted by Midland Credit Management. I asked them to send me a validated copy of said debt. They said they had already sent one, which I never received. If I wanted to see another copy, I would have to log onto my account they set up on their website. I asked to set up a payment schedule to call in and make agreed-upon amounts on agreed-upon dates. They refused and informed me that I would be sent to collections and contacted by an attorney from my area if I did not set up automatic payments with them.
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Our home flooded due to XXXX XXXX on XX/XX/22. We had flood insurance. It took us XXXX months to get a settlement from our flood insurance. XXXX check is written out to us the home owners and Wells Fargo who holds our mortgage. Wells Fargo 's process in order to get the largest check deposited requires us physically mailing a check to their location in XXXX XXXX. We are quite hesitant to do this as we do not want to risk having the check lost in the mail and request a new check from our insurance company as that was a lengthy process already. We have already come out of pocket to repair our home thus far, we have never been late on our mortgage payments, we have multiple accounts with Wells Fargo some accounts being over XXXX XXXX XXXX. We requested to have the process expedited to not require the mailing of the check, but were told that was denied by an executive team with no explanation of why. Our only option to not risk mailing the check is to continue paying out of pocket, so an inspector from Wells Fargo considers our home 75 % repaired and they will endorse the check at a local branch. This is unacceptable, especially when we do not consider ourselves a financial risk to Wells Fargo. I want an explanation on why they will not endorse our check and allow us to deposit it so we can continue to complete our repairs. Wells Fargo created a process that hurts those who have already dealt with so much from a natural disaster and has no humanity in assisting us when we have been good customers of theirs. All we want is to complete repairing our home and continue on with our lives.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

i moved my primary account to another institution because Bank of America violated my privacy when they sent all customers banking info so fed could use to track XX/XX/XXXX rioters I'm XXXX never left XXXX XXXX they didn't ask permission to send my account info and was never requested by federal government only BOA did this. in mid XXXX i noticed my account was in negative sent checks from check bill pay new bank on XX/XX/1919, XXXX and XXXX on XXXX and XXXX sent 2 checks each day, on XX/XX/XXXX Monday called boa customer service said they had never received deposits any of them about 2 weeks after first 2 checks sent, customer service said checks never sent or lost told i would talk to new bill pay and pay another way. mysteriously all checks were found 2 days after complaint and after i cancelled payment cause they told me was lost. o9on first funds were reversed to my new credit union, on fifth bank charged me for all 4 that had been reversed as one lump refusing to show me details of transactions they told me were lost they didn't have. then on fifth all new charges all over again i canceled again said couldn't help talk to local bank made appointment first day could the ninth today. when i got there said could do nothing i reminded her her mask for covid was not covering nose she then gave me cards back and kicked me out of bank she doesnt have to follow covid rules i do and she threatens me with security and i left no argument said i would call boa headquarters and there customer service rep hung up on me so cant even talk on phone i have no recourse
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My account has been restricted since XX/XX/2021 and it is now almost XXXX. I have only received correspondence from Capital One after filing my first CFPB complaint, which is why I am filing my 2nd complaint. 
I received a letter at the end of XXXX saying that they are closing my account and that they will send me a check in the mail for the funds remaining in my accounts in 7-10 business days, which is the action I wanted to be taken. However, it has been a month since and I still have not received a check in the mail. Many times I have called the number that was included in the letter that would directly connect me to the investigator, XXXX, that has been working on my case, but each time a robot says they are unavailable. I just want my money please. This is getting absolutely ridiculous.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau of Jamestown, Inc. (NY)

On XX/XX/21 at XXXX I requested to be put on a do not call list and to be no longer contacted. On XX/XX/21 at XXXX I was illegally contacted by the third party creditor XXXX who I previously requested to have my number put on the do not call list. On XX/XX/21 after being contacted XXXX failed to read me my mini miranda warning that is legally supposed to be disclosed to me within the first 90 seconds of right-party conact as a resident of New YorkXXXX XXXX XXXX. The creditor then failed to disclose the company address which is legally required to be given to the valid party when asked/requested, and also refused to give information regarding their supervisors and was told I would not be transferred to talk to one. A supervisor then contacted me on a 3rd phone call 30 minutes later and refused to provide company address, or resolve the issues of the above offences for violating the FAIR DEBT COLLECTION PRACTICES ACT. This is an abusive of state/federal law and Debt Collector Harrasment which has caused me distress.
Consumer complaint received 2019-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (IN)

My loans were covered under XXXX  XXXX student loan & forgiveness act due to XXXX  mid life XXXX   resulting in XXXX civil commitment orders & doctor removed from school order forgiveness & the school & lenders refused to apply loan forgiveness law to my accounts & then deliberately provided my information to 3rd party lenders I didn't provide my consent or authorization to do so resulting in a breach of my personal data exchanged & predatory discriminatory & selective denial enforcement of legislation student loan debt XXXX XXXX forgiveness reimbursement payment process denied for competitive advantage of 3rd party debt collector to make an unconstitutional profit from.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX visa that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my account.
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (GA)

I have made three requests for the PMI Insurance to be removed from my primary mortgage. Two have been in writing and one verbally. Every time I inquire about this, they claim they 'd not received my request and to send again. During our latest conversation, they 'd requested that I submit another request. Clearly, this company has no intention of following the law according to The Homeowners of Act of 1998. I am asking that the company, Statebridge, be compelled to follow the law. Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Credit reporting agency XXXX has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : XXXX
Consumer complaint received 2015-07-22
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Integrated Recovery Services (FL)

After I and my superiors told numerous Employees at Integrated Recovery Services that I am not allowed to receive calls at my workplace, they persistently continued to call my workplace. They also leave messages about my private information on company voicemail. I also asked them to stop calling my personal phone. The employees at this collection company are being rude and lying about who they are in an apparent scare tactics. I have saved all voice mails from this company and they can be heard calling themselves attorneys and public defenders amid other threats such as garnishment and court. I have not received a single piece of mail from this company called Integrated services.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSWORLD SYSTEMS INC (DE)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2017-07-21
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. (MO)

Credit reporting agency XXXX has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : XXXX
Consumer complaint received 2016-01-15
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Five years ago I went to Wells Fargo to get a CD for {$5000.00} for five years for 1/2 % interest. Last week was the five-year maturity date, I went to the bank to cash it out and was told that Wells Fargo gave me the wrong product five years ago. I did n't know this at the time, that the product I was given was not the product I asked for. The manager explained that usually when people come in and ask for a CD, it 's because their accountant told them to get a retirement account. Wells Fargo thought that 's what I was asking for. Five years ago, the Wells Fargo banker was n't listening to me and gave me the wrong product? I do n't have enough knowledge to know it was the wrong product. I ask for a {$5000.00} cd at 1/2 % interest for five years and Wells Fargo gives me the paperwork to sign, which I do, not understanding the difference between what I asked for and a retirement CD. 

This morning a manager from Wells Fargo Branch in XXXX XXXX, CA on XXXX and XXXX XXXX XXXX. ( where this deal originated ) to let me know that because I signed their paperwork, there is nothing they can do to remedy this situation. So Wells Fargo got my {$5000.00} for five years and I 'm told that not only will I not get the $ XXXX interest I thought I earned, but I will be penalized for taking the money out " early '' when I turn XXXX years old in XXXX ( have to wait until XXXX or I 'll be penalized even more! ) I will get less than my initial {$5000.00}, because 11 % will be deducted to pay state and federal taxes or fees or whatever you want to call my hard earned money that I get to give away. Wells Fargo benefits from keeping my money for five years without having to pay me anything and the government gets their fees, and I get to pay both of them for my trouble. 

These too big to fail banks are getting away with too much, they need to be broken up. Why is it that they can launder drug money ( Wells Fargo bought Wachovia ), crash the economy in 2008 by selling loans to people who could n't repay them, take billions in taxpayer money to recoup their losses, pay lobbyists to weaken the new legislation trying to rein them in, and steal money from people like me who have no leverage make them to do what is right and correct their mistakes - with no negative consequences for the banks? 

I used to work as a XXXX. When my clients were about to sign disclosures and contracts, I sat down with them and reviewed each paragraph to make sure they understood what they were signing, I had a fiduciary responsibility to do so and I took that responsibility very seriously. Wells Fargo should have taken the time to review with me what I was signing to make sure I was getting what I asked for. I hope you can help me. Thank you. PS : I 'm voting for XXXX XXXX because he 'll work to break up these banks, they are doing so much harm to all us and our economy.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a loan with XXXX XXXX and was making my payments and making them on time. One day I was notified that my payment went from {$64.00} per month to {$600.00} per month and the new payment was effective immediately. I called XXXX and was told my payment went up because my income changed.I explained to the rep that this was incorrect and not my income had not changed. I made several phone calls only to be told I had to make the {$600.00} per month payment. I was unable to make this amount of a payment and this caused my account to become overdue. I called many times trying to get an understanding but to no avail thus causing XXXX to report the delinquency to my credit bureaus. After several months of the negative reporting I called XXXX again and this time I spoke with a representative and after being on the phone with her for several hours she said the problem was their mistake because they had listed my income incorrectly. She said they had my income listed as weekly instead of the fact that I got paid monthly. I asked if this could be corrected on my credit report since they had made the mistake and she said it should not be a problem but that was handled through another department and emailed me the form to submit. I submitted the form only to receive a response that my dispute was denied. I was not give an explanation and according to their policy I am unable to speak with anyone via phone about this issue. I am requesting that my credit report is corrected.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (AL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EOS Holdings, Inc. (PA)

I have sent letters on four separate occasions including ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without any response in the matter.
Consumer complaint received 2023-01-13
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: Solar Mosaic LLC (FL)

The following listed company 's have filed a XXXX filing against my company and it is not mine. I need help trying to find out who these companies are and why they have this on my report. I do not have a delinquent communications bill, I do not have a Solar delinquency nor do I have a Loan fund thats delinquent.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Me and my wife are having a serious problem with our mortgage company that started in XXXX. We reached out to the Dept. of Veterans Affairs VA Loan Technician and they directed us here. We were acquired by this mortgage company in XXXX and have never had any issues with keeping our account current and maintaining credit scores in the mid 700 's to 800 's until now. To make matters difficult, there are no local offices for us to have face to face contact and their online website does not afford us the ability to review our entire account. For some reason, unknown to us, the mortgage company did not pay our taxes in XXXX for XXXX as they had in previous years. In XXXX, instead of realizing their mistake, they did an escrow analysis that showed we had a surplus and they sent us a refund instead of catching their mistake and paying the taxes. They ended up paying our taxes late in XXXX. I then had to contact them on their error and requested that they release my escrow account. We live in Texas where there is no law requiring an escrow account to be managed by the mortgage company. If they mismanage the escrow account, the consumer can request that the escrow account be released. This has happened to us once before and the escrow account was released. They refused to release the account and stated we owed money that didn't add up. We reviewed our account as far as we could and had questions they could not answer. We continued to make payments in XXXX until they refused to take our payments while disputing the mismanagement of the escrow account. I have continued to make the mortgage payment to myself and ready to pay them the correct amount owed but they refuse to correct a mistake that they created. I paid our XXXX taxes without their assistance. I am not sure what other information I need to submit. Please point us in the right direction so we can resolve this issue. We take great pride in keeping our affairs in order. This is our first and we pray last time we will have to deal with a company that refuses to accept their responsibility for a problem they created. It is very disheartening that a consumer is forced to do business with a company that treats its consumer in the manner in which we have been treated.