davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-06
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (LA)

My mother purchased a home using a reverse mortgage in XXXX, XXXX. She passed away in XXXX, XXXX with me her sole heir. The property was foreclosed without as much as an opportunity to discuss ways of keeping it. 

Under terms of the reverse mortgage there is an automatic six month extension for disposition of the property. On XXXX XXXX, XXXX I submitted a letter of intent and request for an additional six month extension to Wells Fargo. The succession for XXXX 's estate was started XXXX XXXX, XXXX and I was granted a JUDGEMENT OF POSSESSION on XXXX XXXX, XXXX. I received correspondence from XXXX XXXX, XXXX ( XXXX 's foreclosure attorney ) on XXXX XXXX, XXXX indicating that foreclosure proceedings had been initiated. 

I immediately began trying to contact XXXX to get information and the status of the loan and of the requested extension. After several attempts and numerous conversations with XXXX Customer Service Representatives in which I was told that they we unable to discuss anything about the loan with me, I initiated a conference phone call that included me, my attorney, XXXX XXXX XXXX, and an attorney from the Wells-Fargo legal department. That conversation proved fruitless and ended with the XXXX attorney taking the position that only " Letters of Administration '' from the court would allow XXXX to discuss anything concerning the loan or property with me. 

The property was scheduled for sale at XXXX XXXX XXXX Sheriff 's Auction XXXX XXXX, XXXX. Well-Fargo Bank acquired title to the premises at that sale. On XXXX XXXX, XXXX I received a Notice of Foreclosure with a Ninety Day Notice to Vacate and surrender possession. I removed all personal property and furnishings, at great expense, and turned the keys to the property over to Wells-Fargo 's designated agent. 

About XXXX XXXX, XXXX I received a summons regarding a motion to set aside the sheriff 's sale and reinstate liens and mortgages as if the sale had never occurred. That motion was granted and the judgement signed XXXX XXXX, XXXX. I believe that the entire process and the tactics employed by XXXX in this matter were patently unfair and possibly illegal.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hello bank of America withdrew {$130.00} on XX/XX/XXXX for forced closed account after i made a payment arrangement. They were only supposed to withdraw {$5.00}. Causing a overdraft. My car payment comes out of this account. They said they don't think there is anymore to come out and transferred me around for 20 mins then i ran out of time. Then without notice they just withdrew XXXX on XX/XX/XXXX after i made a deposit to cover car insursnce. It's putting in terrible financial stress. Please help
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TN)

In XX/XX/XXXX I opened a Macy 's XXXX card at the recommendation of a sales person even though I had a Macy 's Credit Card. When my bill of approximately {$410.00} was paid in full as I do monthly with all charge card through my online bank payment service, the funds were inadvertently sent to the Macy Credit Card address rather than the new XXXX address. Since that time I have spoken monthly to representatives from both Macy 's Credit Card and XXXX to try to get the money to be credited to the XXXX. Each time I have been assured that it would take a month but it would be resolved. At some point in this XXXX process. The money was moved to the XXXX but then Macy 's Credit Card began calling saying I had a bill of the same amount. I have had service charges of over {$600.00} and those were removed with the promise of having the funds I paid applied to the XXXX Now it appears that Macy has XXXX the {$400.00} charge back to the XXXX card. I DO NOT intend to repay a bill that was paid because of your inability to apply it to the correct account. I have talked to both companies for 9 months and they admit the error and assure me it will be fixed but then it reappears. I do n't want my credit ruined because of their errors. By the way, when trying to submit a complaint on Macy 's website, my submission gets rejected because of " special characters. '' There are no special characters since I only submitted what I 'm submitting here so you should tell them or penalize them for this anti-consumer behavior. There is only XXXX choice of the company but my problem involves both Macy 's old credit card and their new Macy 's AMEX card.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (GA)

Re  : Fraudulent charge on Debit card and no support from bank On  X/XX/2017    my Debit card with BB  & T  was used fraudulently three times. This fraudulent activity caused my checking accounts available balance to drop significantly causing severe hardship. I contacte d BB  & T to report the fraud. They blocked and reissued my card and told me that was all they could do. When I told them of my hardship I was met with a regurgitated talking point that did not provide the smallest of assistance. On Saturday   XX/XX/XXXX  I wen t into a physical branch o f BB & T  and spoke with the Manager on duty. While she was very courteous, she could not provide any assistance, nor could she reach the Banks fraud department because they were, according to her, closed. I was told I would have to wait until Monday to speak with Fraud.   On Monday  X/X/2017    I calle d BB & T fr aud and was informed yet again there was nothing anyone could do to assist me. The fraudulent pending charges that were holding my available balance hostage would have to stay that way until it posted to my account is what I was informed. I asked repeatedly for a temporary credit to offset the fraudulent charges so I could buy my family the basics to survive the next several days and was informed that was not a possibility. I would have to suffer it would seem.   I am filing this complaint because  BB & T s hould have a policy in place that will assist people in my situation. It was not my fault there were fraudulent transactions made on my account. I safeguard my information as best as possible. When I asked the bank for help they would not do anything other than to try and sell me a line of credit to have as overdraft protection. Because they would not extend a temporary credit to my account that would have offset the fraudulent charges until they were reversed, I endured extreme hardship financially and emotionally.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

I received a text the morning of XX/XX/19 that said I needed to call to verify information on my accounts or they would be locked. I immediately called Chase bank and requested information. They informed me that my accounts were already closed and they couldn't tell me why. When I went to the local bank, they told me that I was not allowed to get my money out of any of my accounts, despite being told earlier that I could. They also couldn't tell me why my accounts were closed. I called another Chase banking number to ask why my accounts were closed and when I would get my money from my accounts. They said that they could see why they were closed but still refused to tell me and refused to let me get my money out. No one will tell me anything related to my accounts or my money.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

A charge was made for the amount of {$3600.00} to my synchrony care credit account for a procedure at my Doctors Office XXXX XXXX on XX/XX/XXXX. But The same amount was charged at a different location called XXXX XXXX XXXX that I did not authorize. I don't know this merchant or have visited their center. I reported this as fraud in XX/XX/XXXX. My account was closed and I received a new card in the mail. As of XX/XX/XXXX they keep closing all my fraud claims report with no reason. I only receive letters saying I authorized the purchase when I clearly have stated countless times that is a fraud charge. I call every week to speak to different representatives who offer no help. I have to keep calling to open countless fraud claims as they keep closing it and never give me a definite answer. 

It has affected my credit tremendously. I have called and sent faxes of the error and my Doctor 's Office XXXX XXXX has spoken with them to confirm they don't know who the other Merchant is. I recently had to open my 6 Fraud claim with Care Credit. This  happened in XXXX and It is XXXX and I have not received any help with this issue, but keep getting charged a high interest rate. On top of the fact that it went over my credit limit. 

They also deleted off my account the statements leading back to XXXX so I am not able to see those transaction unless i request it to be sent to me. I have requested those statement 3 times and I have yet to receive them. Please help as I am not sure what else to do.
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

On    XXXX   XXXX   XXXX   this company r eceived a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809,
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (CT)

I already came to your company early this morning concerning this matter with Lexus Nexus. After further research today, I find that my in accurate information is found on. Accurint of Lexus Nexus. They will not fix it. They are waiting for my information to be provided to them by any or all vendors who may reach out and provide my phone number by chance. 

I spoke to Lexus Nexus support and found out that my information which is on an unverified account is being used by there company Accurint. And they will offer no solutions for me The current case number that I filed is XXXX. 

Same case just new information which XXXX sure your company is very aware of as they are all over the Internet as far as people having problems with their information Thank you again have a great day
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC. (NY)

ECMC and/or PCR have been calling friends and acquaintances seeking information about me. Yesterday, they called a former girlfriend of my brother 's seeking information about me. This is an invasion of my privacy and is harassment, especially when they have my current address and know that I am retired.
Consumer complaint received 2017-05-24
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)

With Equifax, I have numerous accounts and addresses, social security numbers and accounts that are not mine nor associated with me. I have filed several disputes and spoke to their Disputes Department and then it was eventually escalated to the Office of Consumer Affairs. Needless to say nothing was resolved in fact on XX/XX/XXXX more accounts were added to my credit report which negatively affected my credit report. The accounts added were a judgment from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX.This account I spoke to XXXX which stated they have no information for me having an account. However, they stated I needed to contact the credit bureau to have it corrected but the credit bureau stated I needed to contact the creditor ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX. This particular account was deleted from Equifax only to re-appear 10 days later and the explanation was the creditor does not verify any documentation to the credit bureau. The creditor validates the debt themselves and electronically communicates it 's been validated with the credit bureau 's ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ). This account was also deleted and re-appeared 10 days later with the same explanation as the previous account ). There are several addresses that are not mine which I attached supporting documentation of my current address. Equifax asked me to identify my identity by filling out XXXX Form which I provided to them on XX/XX/XXXX. I spoke to Cal with Equifax in The Office of Consumer Affairs on XX/XX/XXXX and he was extremely rude and he stated that they received the documentation on XX/XX/XXXX. The previous representative stated that they received it on XX/XX/XXXX but no one has reviewed it yet and that was on XX/XX/XXXX. This issue with Equifax has hampered my home buying process due to inaccurate and frivolous information. I am at risk of losing my earnest money and my contract on the home. I have been dealing with issues with Equifax for almost a year. I need this resolved within the next 10 days or I will seek legal consultation.
Consumer complaint received 2022-02-15
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. (LA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (NJ)

Loan with Exeter Finance for a XXXX XXXX XXXX. The loan amount of {$10000.00} was paid in full on XX/XX/XXXX and the account was closed on their end but they will not update it on my credit report. The amount keeps increasing however leading to my credit dropping. I have contacted them multiple times regarding this and they always say end of the month do not worry or its the credit bureaus fault. 

On XX/XX/XXXX, I purchased a new vehicle through XXXX XXXX XXXX XXXX in XXXX, NJ. I traded in my XXXX XXXX XXXX and made an agreement with the car dealership that they would pay off my existing loan of {$10000.00}. They did and the check cleared on the XXXX of XXXX, XXXX. I called Exeter Finance to confirm and they confirmed and told me my account was paid in full and closed ( screenshot attached for the confirmation on Exeters customer portal ). I was told by the end of the month, everything would update and that it would reflect as closed and paid in full. It is now XX/XX/XXXX and nothing has updated. They always tell me theres nothing they can do and that I have to wait and seeming how this account is current and keeps updating, it is affecting my scores still although the account has been paid in full.
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Account No : XXXX Amount : XXXX This debt is not mine I demand it off my credit report in XXXX I never lived in XXXX were the card was opened, their for by law if its not yours it should be taken off your credit report. If its not of my credit I'm going to file a small claims court.
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

In XX/XX/2023 I proceeded to log into my new Coinbase account and found that my assets were absconded. The account shows several transactions on XX/XX/2023 at XXXX through XXXX that I did not perform nor authorize. See attached supported documents, Coinbase states my assets were successfully and securely transferred into my Coinbase account by them. 
I contacted Coinbase on XX/XX/2023 and filed a complaint. Their case # XXXX. Following up with Coinbase, I was told by Coinbase the following " I recommend attempting to recover the funds from the recipient by reaching out to them and requesting their help. '' I completed all procedures that they requested including a filing a police report in XXXX Georgia # XXXX. Scanning my devices with antivirus software did not show any hacking. I was then able to finally log back into my account to continue my reporting to Coinbase that my assets were still missing. To this day, Coinbase continues to state that transfers are irreversible. Coinbase was the guardian of my assets and they are not as safe and secure as they state. I respectfully request support in retrieving the assets from Coinbase as I feel they are fully responsible. They have the knowledge and where with all to track and see where my assets went. Please advise, your help in this matter is greatly appreciated. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (NE)

XXXX XXXX in XXXX erroneously billed me for {$100.00} after I dropped their internet service. XXXX XXXX admitted to the error, and cleared the amount from my XXXX account. However, XXXX still sent my account to a collection agency, Credit Protection Association, which continues to fraudulently harass me asking me to pay this amount, which I never owed.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

I remember paying off best buy credit card last year then all of a sudden I owed them like a XXXX dollars. I gave them the benefit of the doubt and paid it again. Now the same thing is happening where I supposedly owe them funds and its non sense. I paid them off. The credit rep tells me it bounced several months ago and the best buy rep that details purchases and credit card statements does not see where or why I owe money. 

XXXX reps are baffled as to why the payments are leaving as a check ... I never wrote them a check. 

Something criminal is happening here.
Consumer complaint received 2021-06-05
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: EQUIFAX, INC. (GA)

I sent a letter to these companies on XX/XX/2021 about some incorrect information on my report. To this day, nearly 60 days later, I have not received a response yet. I understand they have 30-45 days to respond.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ad Astra Recovery Services Inc (TX)

This account was paid in full on XXXX XXXX, 2016 with a promise to " Pay to Delete '' from XXXX. I have disputed and talk to several employees regarding deletion of this account ( not updated ) from ALL credit reporting agencies. I am only asking that it is deleted immediately due to meeting all my obligations to pay what 's owed on this account. Thanks for your help in this urgent matter.
Consumer complaint received 2016-08-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: D2 Management LLC (GA)

Received a call at XXXX on XXXX XXXX, XXXX. After they verified i was the right person they then begun to dun me about a XXXX Mississippi hospital bill with a balance of XXXX. I asked when the service date was and was informed it was XXXX. Really XXXX I told the collector that the bill was not only out of statue of 7 years but 17 years old. I was then informed that I would pay voluntary or they would sue me. Really i asked i then stated to the collector the same information back. I then asked if that is an account they would sue and was assured it was. I then let the collector that I had been in collections for 30 years the last 15 in a collection law firm and I would be contacting the CFPB on his violations.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Palmer, Reifler & Associates, P.A. (AZ)

It appears that my cell phone number XXXX was placed on a massive dialing system, where my cell phone was called starting at XXXX and calls would come through until XXXX. I received pre-recorded messages every single time. The messages were left on my voicemail XXXX a day. I never authorized this Law Office to call my CELL phone on a artifical dialing system and leave pre-recorded voicemail. This is a violation of The Telephone Consumer Protection Act. I tried to resolve this matter with this Law Office however however I have been hung up on and treated poorly.