davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

My wife and I have owned our two unit home for 20 years. We refinanced our loan in 2005 and now it is held by Wells Fargo. Our problem is with Wells Fargo. They are sending out paperwork that is false that states they have tried to work with us and help save our house but that is not true. We have tried to fix our problem with them but they have never given us the time of day, have never looked at our situation, and are pushing us into foreclosure. 

We have had no problems making the payments on our mortgage for 11 years. This property is home to myself and my wife, as well as my son and his family which includes XXXX children. My wife and I are retired and on fixed income, and my son is responsible to make the mortgage payment each month. Last year my wife and I took a trip to XXXX and ended up staying for a few months longer than planned to have some medical treatments. While we were gone, our son missed several mortgage payments. We did not know about this until we returned. Once we found out we began trying to see how we could fix this. Wells Fargo would not let us make a single mortgage payment, they told us we had to pay the full late amount. So we tried to see if they would consider us for a loan modification. But we have made no progress with Wells Fargo. They will not assign someone to our case, they will not talk about options or open any kind of review for programs that would help us. They also sent out a letter signed by XXXX XXXX who says she is the VP of Loan Documentation where they claim they tried to contact us to discuss things we could do to save our home but could not do so because they could not reach us. This is false. They did not TRY to reach us. Instead of working with us to fix the problem they are marching us to foreclosure. 

We have paid on our loan for 11 years with 7 % interest and Wells Fargo has collected lots of money from our family. Why will this bank refuse to work with us and consider us for any of the modification programs? This is home to XXXX people, we want to save our house.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm deeply distressed and frustrated to discover numerous fraudulent accounts on my credit report, severely impacting my creditworthiness. As I'm in the process of buying a home for my family, this unfair situation is incredibly concerning. Despite my efforts, I've encountered difficulty in getting these accounts removed. Moreover, given that my information was part of the XXXX & Equifax breach several months ago, I expected better protection of my consumer report. 

I feel let down and violated, as my privacy and fair treatment, as guaranteed by federal law ( 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ), have been compromised. This situation is causing me significant emotional and mental stress. It's also unlawful for these companies to furnish people 's information to third parties, constituting neglect and fraud. 

I've already reported this matter to both the local police department and the Federal Trade Commission. Legal action against these companies and credit bureaus for the damages incurred seems inevitable. This ordeal is not only impacting my financial well-being but also this is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2022-09-05
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-03-30
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I currently pay {$750.00} on XXXX loans via auto pay through Navient XXXX formally XXXX XXXX XXXX I 've tried paying extra payments to lower my principal balance but all that happens is gets applied to the following months payment. I 've asked how can my extra payments be applied to principal balance and they say it 's not possible. This is criminal, I will never be ableye to get out of debt or get ahead. And to make things worse they do n't offer refinancing on my 8 %, 13 % & 14 % interest loans.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC (CA)

ERC changed my billing address to my employers address, then mailed a bill to my employers address. The A/P department at my employer opened the letter and read and reviewed the invoice. When they determined it was not company related, then then emailed it to me. So basically they provided my information of a past due, disputed bill to my employer which embarrassed me and divulged my information to my employer and coworkers.
Consumer complaint received 2016-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NC)

Student loans being reported by XXXX XXXX, XXXX, XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MA)

I was contacted by the American Express representative, XXXX XXXX. When I returned his call in XXXX 2016, XXXX XXXX asked if I wanted to continue with American Express after the American Express XXXX program expired. I said I was not interested, but XXXX XXXX noted that one of the benefits of the American Express Business Gold card he offered was that it included primary insurance coverage for car rentals and that the first year of the card use would be free. I accepted the card based on these benefits. When the card arrived, the paperwork indicated that the car rental insurance coverage with this card was only secondary. I immediately called American Express to understand why there was a difference and if I could get the insurance coverage that was promised. American Express said they would resolve this issue within 6 to 8 weeks. After 2 months went by, I called American Express to find out if there was any resolution. At that time they offered to sell me primary car rental insurance for an additional fee. I told them that I was only interested in the original offer in which the primary car rental insurance was included at no additional cost. I was then transferred to an American Express supervisor named XXXX. The phone connection was bad and the supervisor said she would call me right back in hopes of getting a better connection. We confirmed the phone number for her to call be back at. Several hours went by and I did not receive a call back from American Express. 
I feel that XXXX XXXX falsely represented the card benefits in the initial sales call so that I would continue as an American Express customer. It appears that American Express has no interest in resolving this discrepancy. At this point, I feel that it is in my best interest to cancel this account to avoid paying a renewal fee for this card.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been trying to get a loan modification with Bank of America for the last 3 years, since 2013, and every time they request for paper documents, I have sent on time and I think that 's it, Bank of America is going to start to review my case. But instead they send me a letter stating " We are no longer actively reviewing your application for loan assistance because we did not receive the requested documents. '' I have copies of the documents I sent and I also send the documents through registered mail and I am able to track it. When I mention this to Bank of America, they just claim that they did not receive it and to re-apply. I need to get a loan modification or else I will go bankrupt. What can I do to stop Bank of America to continually just claim, '' We did not receive the documents, please re-apply again ''. I need help. Thank You
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I attest that I am XXXX XXXX, and I am the author and owner of all information placed in this dispute. 

The XXXX XXXX account on my record, is not mine. I never opened an account with them, received or activated a card, or - established any credit line with this company, Equifax updated this account with verbiage that says the following, and on XX/XX/2015 - " Consumer disputes after resolution " I am, and never have been the owner of such an account, and therefor, and again dispute this tradeline for it is wholly innacurate, This is the second dispute with EQ, and for each failure to respond to the issue brought to them and clearly spelled out and not acted on, there is an allowable financial penalty for each incidence, in the courts, available to me. 

XXXX XXXX should be contacted directly, to verify the same. 

1. I hereby request a method of verification, specific to how this account is/will be verified. I am entitled to a contact name, address, telephone number or other identifier, in which EQ has or will verify this account and its ownership. 
2. I also request, that this tradeline be deleted. 

As per the FCRA, this item must be deleted.
Consumer complaint received 2024-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NM)

My XXXX XXXX XXXX  matured on XX/XX/XXXX. On XX/XX/XXXX ( within 10 days grace period ) I closed the account and requested Ally bank a check be sent to me so I can roll it over to XXXX bank ( within 60 days ). This request was completed on the phone as well as by Ally form attached as a secure message to my online account. Ally bank ignored it, instead renewed my XXXX XXXX 
It took many phone calls and secure messages for the bank to acknowledge their error, and a check for part of my matured XXXX finally came on XX/XX/XXXX. However, since the bank already renewed the account, they deducted from my XXXX check a PENALTY amount. The rest of the check I immediately mailed to Synchrony bank. I requested Ally to return my XXXX money to the rolled over XXXX account which was already open at XXXX XXXX XXXX funded my rolled over account, and agreed to add the portion Ally illegally took, to the rollover XXXX account. They insisted Ally must explain their error in a letter with the check. They request Ally to send the check and letter to my residential address. So far Ally didn't and communication with them seems to go on deaf ears and lost in the shuffle. case number : XXXX
Consumer complaint received 2016-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (AZ)

A company called Credence Resource Management called my personal cell phone continuously. never left any messages. 12 calls since XXXX XXXX, 2016. I requested my personal credit report to confirm I have no outstanding debt collectors. Do n't know who this agency is or why they are calling, but they are impersonating an agency attempting to collect an outstanding debt.
Consumer complaint received 2017-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Dear Consumer Financial Protection Bureau Since I reported the matte r Ocwen has been trying to put m e in foreclosure after 14 years of service On  XXXX   XXXX  I learnt my payment came back I set via  XXXX   XXXX  and then called to resolve the next month payment by paying {$19.00} for automatic payment from the acount to start  XXXX   XXXX .  XXXX  and  XXXX  payment were never deducted as result I have been getting foreclosure letters. I have resolved by paying {$1100.00} through  XXXX   XXXX   XXXX   I know have a modification and need you to advice of a agent that can help borroers to lower my interest down.       Ocwen has Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging borrowers unauthorized fees for default-related services ; Providing false or misleading information in response to consumer complaints.
. Ocwen failed to effectively assis  t, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ;
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I had a judgment on my credit report with XXXX XXXX which was paid off in 2014 through a garnishment on my husbands paycheck. Having this on my credit reports is preventing me from obtaining a mortgage and moving on with my life. Also none of the amounts of the judgments on any of XXXX reporting agencies is the same! I want it removed from all XXXX reports please
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have had an American Express card for over twenty years and recently received a letter from them stating that Federal Guidelines require a physical address for my account and if I do not provide one within two weeks my account will be closed. Is this correct and legal? I use a US Post Office box for all my bills and have had no problems. I am a XXXX and work and live on XXXX hence no physical address. When I am off for a period of time, I generally short term rent and store my few belongings in a storage unit. I can not be the only one with this lifestyle. Ii know many people who live year round in RVs.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (HI)

On XX/XX/2016, I made a normal purchase on XXXX with my credit card as I have hundreds of times over the years. However, this time there was a problem with the way the charge was processed. With no warning or explanation to me, the purchase was processed as a cash advance, resulting in transaction fees and immediate interest charges, at a rate of 25.49 %. I first suspected the seller but had no immediate way of contacting him. So I called Barclay Bank customer service who told me that yes indeed, the seller was responsible for this. I went back into XXXX to cancel the purchase and again called Barclay to make sure that it was canceled. The rep informed me that everything was OK. The merchant had changed their " code '' and the transaction went through as a normal charge. There was no 'cash advance ' processed, no fees, no interest charges ; and yes, I would receive my miles. Today I noticed the seller had responded in an email saying that they did not process the purchase as a cash advance. XXXX was responsible. Curious, I went into my Barclay account online and saw that there was a indeed a 'cash advance ' processed with all the related fees and charges. I called them again only to be told that the conversation I had with a Barclay rep informing me that the transaction had gone through as a normal charge, had never happened. They claim to have no record of any such conversation. So, I called XXXX, who informed me that they had processed the purchase as a normal credit transaction ; and went on to say that only the card issuing bank had the option to process it as a 'cash advance '. Now because of the delay caused by the " no cash advance '' discussion, Barclay claims that I am forced to accept the purchase ( or return it at my expense if it ever arrives ) and I must pay all related bank fees. As the Barclay rep said before I hung up on her, " There is absolutely nothing we can do about this ... ''
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

I have made every payment and am ahead one payment but XXXX XXXX, XXXX have added XXXX derogatory items on on my report. I have made the payments cia money orders and have receipts to show it. The XXXX derogatory items should not be on my report. 
Also the settlement amount is {$2100.00} and they have the amount of {$4200.00} on my report. I have documentation to prove that via court records. I also have receipts for all payments made and as i stated above i am one payment ahead on this and have receipts to show for it
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

In XX/XX/XXXX LVNV placed a debt from XXXX XXXX for a credit card in the amount of {$6600.00} on my credit reports in XX/XX/XXXX letters for account verification where sent to LVNV Funding And XXXX XXXX to which both failed to verify the debt so it was removed from my credit reports. XX/XX/XXXX LVNV Funding has a new owner Resurgent Capital Services, they have placed the debt back on my credit so I sent out a account verification letter to Resurgent Capital Services on XXXX XXXX XXXX  giving 30 days to respond it is now XX/XX/XXXX and they have not this is long enough for this debt that does not belong to me to be removed Also I was able to have it removed by XXXX dispute # XXXX on XX/XX/XXXX but not XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Please refer to my past complaint to CFPB  XXXX  Submitted to the CFPB on  X/XX/2017   .     Almost 2-3 weeks back I got a call from Bofa. He wanted to talk to me regarding this issue and told me that he is recording the call. I also stated that being in the state of AZ - I have the authority to record the call. The moment he come to know about it - he said that he will send the contents by mail. I have n't received anything from them via mail also.   Why in the world - it 's  so one side d that he can record the conversation because is " the bank '' but i can not. This is against my basic rights as  a US Citizen a nd against AZ policies.     Attaching the recorded conversation.
Consumer complaint received 2016-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (VT)

I have a civil rights legal dispute with my school. The Federal Office of Civil Rights at the Department of Education is evaluating if I was discriminated or not. I complained because I consider I was dismissed under pressure by the school. I refuse to sign any document that allow them to say I was accepting that dismissal decision. The student loan management company, NELNET, is asking me for initiate the payments. I said to NELNET that I can not star to pay my student loan because I am consider myself still as student and I am waiting the decision by the Civil Rights Office at the Department of Education. But the loan management company NELNET continue flooding my mail and email with letters and threats. That is why I am complaining at the CFPB against NELnet.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AZ)

I complained to you several months ago about this same issue. I went through the process of obtaining my report online. I went through the process, completed the form, answered the questions and this pops up. They need to fix the EQUIFAX website. the XXXX and XXXX websites work fine. Without a report number, have you ever tried to call one of these places? I rather chew my hand off. 
I was denied credit recently and I want to see the report. I would prefer they fix the website but, if they have to, then place a copy in the mail but, only as a last resort. It 's a waste of paper
Consumer complaint received 2022-09-05
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. (SC)

I have attempted to have these inquiries removed twice. I have asked the credit bureaus and lenders to provide proper documentation of proof of inquiries as I can concerns for fraud the response is that it has been validated. My disputes have been opened and closed within such a short window that I doubt the information was actually validated. 

I would appreciate if the hard inquiries be deleted.