davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo recently settled a lawsuit brought against them by you all for over 2 billion dollars, My mortgage from 2011 Account number XXXX for a property at XXXX XXXX  XXXX XXXX XXXX, GA XXXX. Which qualifies for the mortgage damage payment. 

I also currently have bank accounts with Wells Fargo. Last month all of my money just disappeared out of my accounts and when I tried to log in via the mobile app there was a bunch of letters and numbers. Like my account had been hacked. My actual banking information did not show up. So they actually owe me money for overdraft fees and my account being hacked. 

Wells Fargo owe me at least {$60000.00} from this damage fund.
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MO)

I was involved in an accident at work and was transported in Ambulance. As part of Workers Compensation this ambulance amount was paid by Workers Compensation company XXXX XXXX XXXX company. I received letter from Credence Resource Management LLC that I still owe money and is up for collection. I also received called from them and i informed them to contact the workers insurance and also my lawyer. Now they are trying to collect this debt from me sending me debt notice. This is really XXXX me and i am just trying to come out of the accident i was involved.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX 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 do n't contacting everyone listed below as well as XXXX and their customer services would not help and take care of the negative inquiries reporting on my credit report. I demand to see a copy of the Verifiable Validation Proof ( of the original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ), that you have filed for the accounts listed above. Once your investigation is completed, and you find my allegation to be true, please remove the unauthorized inquiries.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NATIONWIDE ACCEPTANCE LLC (MO)

I had to place a fraud alert on my credit files that indicates anyone who runs my credit needs to call me prior to doing so and I do not recognize the inquiries on my credit reports. This also violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission. These inquiries are harming my credit file and holding me back from my path to purchase a new home.
Consumer complaint received 2018-01-18
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: DISCOVER BANK (IL)

To Whom It May Concern : I am having issues with Discover card billing resolutions. It is probably one of the most incomptent department you can imagine.

I purchased the item on XX/XX/XXXX2017 from XXXX for XXXX Item was returned to XXXX using their prepaid XXXX label. Item was returned, however, XXXX  did not give me any updates. Then I contacted them multiple times, they claimed that the box they received was empty. After confronting, and getting XXXX chat help involved, XXXX said it was not empty ; and XXXX then opened the case saying someone will respond to me in couple of days. I got no response. Then I tried again, the same thing happened. So I contacted Discover, asking to help me to resolve the issue. I got a lot of bubble gum, overly fake and sweet type of treatment, promising they are doing their best. Then few months later I found that the balance was higher than it supposed to be. Turns out the charge was reversed, and no notification was made by mail. So I had to contact them again, and re-explain the entire story. The case was reopened. Few days ago I checked again the account to see if there is nothing unusual, and I found again higher than normal balance. Turns out the charge was again placed back on my account. In dispute page it says 2nd review found the charge to be valid not sure how did they conduct the review. So I initiated again the chat with billing department. I got XXXX, if I am not mistaken, ( the same I dealt with at the start ) to talk to. She said she needs some proof with the weight. I had to reexplain the situation all over again. And I had to guide her to check my supporting documentation, which were a given XXXX  label from XXXX and proof of delivery from the XXXX  showing the weight. So I was told that oh they did not notice it because the weight information was so far on the bottom of the slip. According to previous rep- he already put the notes on this case before with the details. So I dont understand 2nd review found the charge to be valid without even looking into it?

Then on the top of that I was told that the billing rep would not be able to reopen the case for me, needs supervisor to look into it, and supervisor was not yet at work. I think I spoke with them around XXXX so OK. I contacted them next day, I was told its under review. It was XXXX. I asked if I can talk to supervisor myself, it only takes 30 seconds to check everything out. XXXX told me that supervisor is not working. I asked for hours of supervisor- turns out supervisor does not even work. No one knows when he works. Today its XXXX day still nothing. And they bill me higher minimum payments for this, report to credit bureaus higher balances, and charge the APR for this. This is completely unacceptable.

I attached the documents for a review for both CFPB as well as for Discover.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

On XX/XX/XXXX, I received a notice of default and intention to foreclosure. In order to cure that default, I was informed to pay the past due amount of {$2400.00} by XX/XX/XXXX. I paid said amount on XX/XX/XXXX, in which I will be providing proof of  transaction along with this letter. Ever since this date, I have made all mortgage and property tax payments on time, which were electronically made to XXXX via my personal bank. Despite all payments being processed on time, I was told that I am missing payments to my loan and mortgage servicer. At the beginning of XX/XX/XXXX, I  was notified by a new carrier, Carrington Mortgage Services, that I owe a total of {$8000.00}. I tried reaching out to the new carrier to resolve this issue and was unsuccessful with their compliance. I have not received any monthly statements of payment history and/or confirmation of said payments within the last two years from them.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (CA)

XX/XX/24 : I received email from " XXXX ( TrueAccord ) XXXX ''. 
stating I owe {$260.00} to a " current creditor of your original XXXX XXXX XXXX XXXX account ''. 
I contacted XXXX XXXX XXXX  at XXXX and they advised that I do not owe any money and there is no record of any past due or collection activities on my account. 
I called True Accord at XXXX and spoke to agent # XXXX advising her of my conversation with XXXX XXXX XXXX. I asked her for the account number for the XXXX XXXX XXXX debt. She then asked for personal information that I would not provide. 
She said to respond to the TrueAccord email and someone would help me. 
I responded to the email asking for the account number related to the debt and explained that I spoke with XXXX XXXX XXXX and I have no debt owed. 
XX/XX/24 " XXXX '' from True Accord emailed me back and asked for personal information before he would provide any further information.
Consumer complaint received 2017-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIGY USA CORP. (NY)

This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. 
In their response the company indicated That they no longer own the debt and i should contact XXXX XXXX  which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to XXXX.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. 
I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ XXXX/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you
Consumer complaint received 2018-01-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

We were working with XXXX regarding a loan modification, during the process the account was transferred to XXXX XXXX. The modification did not go through. We had been working with XXXX since XX/XX/XXXX trying to get a modification only to be turned down or to be offered such a large mortgage that we could not afford it. We received a notice XX/XX/XXXX that informed us that our home will be sold XX/XX/XXXX.

We need help and direction please.
Consumer complaint received 2018-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC (FL)

I entered into a loan rehabilitation program back in XX/XX/XXXX. I did not complete the program so I called to re enroll in XX/XX/XXXX/XX/XX/XXXX. I submitted documents but did not receive confirmation the documents were submitted. I do see online it says as of XX/XX/XXXX I was re-entered into the rehabilitation program and that my first payment is due on XX/XX/XXXX. I would like the follow questions answered : 1. Am I enrolled into the loan rehabilitation program?

2. After completing 9 monthly payments will my loan be out of default?

3. Was all of the necessary documentation received.

4. If not, what else is needed from me in order to complete the process for loan rehabilitation?

5. Is my first payment for the rehabilitation due on XX/XX/XXXX in the amount of {$5.00}?
Consumer complaint received 2017-06-21
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: Fidelity Direct Mortgage, LLC (MD)

On XXXX XXXX, Fidelity Direct inquired about my credit with out authorization. <P/>I need this inquiry removed from all three credit agency reporting systems. <P/>Again, this inquiry was not authorized. I also, want a letter of deletion sent to me for my future records. <P/>Fidelity Direct Mortgage via XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Permissible Purpose : Credit Transaction Requested on : XX/XX/2017
Consumer complaint received 2017-07-27
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. (NJ)

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A XXXX XXXX XXXX card/XXXX XXXX card was applied for X/XX/2016 however the application was not approved but the fraudulent inquiry was found on her Equifax credit report. A dispute of this inquiry was sent to XXXX XXXX XXXX as well as Equifax however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.
Consumer complaint received 2019-03-08
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. (CA)

On around XX/XX/XXXX XXXX XXXX  XXXX Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted XXXX and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of 680 on XXXX

.. Res
pectfully XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX XXXX and XXXX.I am a US XXXX XXXX Military Veteran.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Discover Bank Credit Card Account was removed from my XXXX  report. However, it 's still showing up on XXXX and XXXX. This is not my account, and it seems like XXXX has proven this.
Consumer complaint received 2017-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

hello I submitted an application for a $ XXXX HELO from PNCBank on/about XX/XX/XXXX on property on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - value of $ XXXX. I own the home outright, no debt. Since I just submitted a HELO from PNCBank for another property I own outright, XXXX XXXX XXXX , XXXX, FL XXXX - HELO for $ XXXX was accepted I knew exactly what documents PNCBANK needed. I provided 2 months recent pay stubs XX/XX/XXXX fed taxes XX/XX/XXXX delayed tax filing all assets, including XXXX XXXX valued at over XXXX XXXX dollars. PNCBank assets Despite all this information, PNCBank kept on asking and asking for more information, which I provided. I have been banking with PNCBank now for over 25 years, I have had over $ 600k of mortgages with PNCBank, all of which are paid off. So, there rejection now because of lack of documents is false! They are giving me a hassle, most likely because I turned down using PNCBank to buy properties and instead paid cash for them. Now PNCBank doesnt want me to have HELO 's on these properties. Ridiculous. If this is how PNCBank treats its long time customers, l think this should be noted for new consumers.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Diversified Consultants, Inc. (NC)

Disputes with credit bureaus XX/XX/2017 Received REFUND check for overpayment from XXXX BUT account was sold to Diversified Consultants {$650.00} listed on credit bureaus Diversified offer the settle and delete when debt was NEVER ACTUALLY OWED! Refund check was proof. 
Settled but debt still remains on credit report and is inaccurate and should be deleted. Pursuant to the fair credit act 609, no signed contract was ever provided
Consumer complaint received 2017-06-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch (IN)

I was contacted by XXXX XXXX at XXXX XXXX XXXX advising they were trying to collect on a debt of mine prior to it going to garnishment status. XXXX XXXX stated what the debt was for my green XXXX that had gone back to the bank, and this was for remainder of debt. She advised I could make a lump payment and set up payment arrangements my debt would not continue to garnishment status. She advised that I needed to pay {$540.00}, and payment arrangements for {$220.00} monthly to keep debt out of garnishment. I advised XXXX XXXX I was off on XXXX XXXX XXXX at the time but would try to see if I could get money together. XXXX XXXX called back following week to inquire about payment. OnXX/XX/XXXXI authorization a payment of {$540.00} against my debt on XXXX She advised she would call back next month to finalize payment arrangements, as I might have a better idea when I would be back to work. Approximately 2-3 weeks later I received paperwork to go to court concerning debt. I called lawyer on lawsuit who advised that they have not received any money against debt. I gave her information, and she advised that they do not use outside collection agencies, and it was likely fraudulent. I contacted XXXX XXXX who said " it has n't even been 30 days, I do n't know why that would happen ''. She advised it may have possibly been because payment arrangement was n't finalized. She asked for lawyers name/number and advised she would call back. Received no call back, so called company back. XXXX advised XXXX XXXX was not in, and she would leave message for XXXX XXXX. She also advised that sometimes these companies do not know who collects for them. I called XXXX XXXX XXXX XXXX several times, in which I was told message would be forwarded to XXXX XXXX supervisor. Called several more times with no answer. Finally reached an associate XXXX on XXXX/XXXX/XXXX he advised I needed to talk to the payment department and transferred me. I called daily from that point on with no answer. I contacted my bank and advised I needed a dispute form. During that time I moved, and dispute form was misplaced. Bank sent letter advising dispute was closed. I contacted bank and asked for new dispute form and changed address on record. Did not receive new dispute form. Contacted bank again who advised that I needed to come in to branch to file complaint. Contacted bank to check on status of dispute. Bank advised too much time had passed and could no longer pursue claim. Payment was listed as going to XXXX client services in XXXX, GA. The phone number for XXXX XXXX XXXX XXXX was XXXX XXXX XXXX XXXX which is now disconnected.
Consumer complaint received 2018-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

When using the web site to make payment, loancare llc will put a added cost to your payment if not done in the first four days, This fee starts at XXXX $ AND GOES UP. My mortgage is not late until the XXXX of the month, and this company is charging late fees after four days. This goes against contract and to me is against the bound agreement of the contract.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (UT)

On XX/XX/XXXX I applied for and was approved for an installment loan through American First Finance for a total of {$3400.00}. I got the loan to pay for a rebuilt transmission from XXXX XXXX ( XXXXXXXX XXXX ). They offered No interest if the loan was paid in full by day 101. 
Well for one reason or another I didn't pay the loan off within the 101 days. 
The loan was setup to auto pay from my account {$110.00} per week. 
So fast forward to XX/XX/XXXX, I login to my account to check the pay off amount. It shows I still owe {$3100.00}. I was floored. How can I owe that much still, I've made 43 payment of {$110.00} for a total of {$4900.00}. Something has to be wrong. 
I check my paperwork, only to find that with a loan of {$3400.00}, it was going to cost me a total of {$12000.00}. They charge 169.53 % APR. Are you kidding me? 
This is completely insane! 
I tried to get a hold of someone to get a lower payoff on XX/XX/XXXX, but they were closed. I did get a hold of someone today ( XX/XX/XXXX ). They offered me a payoff of {$1800.00}, which I paid, so the account would be closed. 
So in the end, I borrowed {$3400.00} and paid back {$6800.00}. Which still seems excessive. 
I just wanted to notify the division of the interest rate and make sure this company is within the rules of the law.
Consumer complaint received 2017-06-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I attended XXXX XXXX college between the years XXXX-XXXX. I did graduate with a XXXX XXXX degree and a minor in XXXX. I was given the most expensive loans before given the federal loans. I owe Navient $ XXXX in private student loans! I should have never been approved for this amount. I find myself extremly XXXX ALL the time! I ca n't live with this dept anymore. Two years ago, on or around XXXX or XXXX, I recieved a phone call from a Navient representative telling me that they would send my mother, who is a co-signer, in jail if I did n't pay up. At the time I had not maid any payments because I was still in school. I was attending XXXX XXXX XXXX full time. After almost tow hours arguing on the phone, they placed me on a plan to only pay {$480.00} a month, this ONLY covers the interest! No payments have gone to the principal. They also warned me that if I miss a payment, I would for sure go to jail. They said that if I chose to go to court I would have to pay for Navients lawyers and their time! Is there ANYone who can help me with this? I am going out of my mind!
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX I applied for a XXXX credit card through Chase financial. They advertised a promotion that allowed me to earn XXXX points if I spent XXXX in the first 3 months of having the card. I meet all the  qualifications of the deal but I was only awarded XXXX and  was given a {$250.00} credit on my bill. On XX/XX/XXXX I contacted Chase to try and rectify the situation but was told that since I did n't call within 90 days they would not honor the promotion anymore.