davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

This is an on coming issue with Wells Fargo approving then denying the short term forbearance. 

The latest was on XX/XX/XXXX at XXXX XXXX  XXXX, XXXX from Wells Fargo called, Im calling about your XXXX past due mortgage payment. I explained its due to loss of income. He asked if it was COVID related and I replied yes. He did a warm transfer to another department and XXXX XXXX picked up the call. XXXX XXXX asked if my hardship was due to COVID and I replied yes. She placed us on hold to review the account. Upon her return she apologized for the lengthy hold but she wanted to review the investor guidelines and my account. 

XXXX XXXX read the investor guidelines and stated the account qualify for up to 18 months. The short term forbearance will be granted in 3 month increments. She continued to read the other guidelines and asked if I agree and placed me on hold to code the account. Upon her return she stated no further actions are needed at this time and I will receive an approval letter in 7-10 days. 

XX/XX/XXXX at XXXX XXXX XXXX XXXX from Wells Fargo called and asked if she could assist with collecting the past due amount. I informed her on XX/XX/XXXX XXXX XXXX approved the short term forbearance and stated I would receive an approval letter in 7-10 days. XXXX then stated the system indicates they did not receive a response when calling. She placed me on hold, then transferred me to the home preservation department. 
XXXX answered the call and asked us to hold to review the account. Upon his return he stated yes I see the representative coded the account for the short term forbearance but your investor only allow 6 months. The representative read the standard messaging. My wife replied I find that hard to believe that all your accounts have standard messaging and they are not coded by the investor guidelines. She asked XXXX to file a formal complaint and have the office of the chairman contact us. Once again Wells Fargo is exercising unfair business practices. Are they only granting this relief certain types of people and not by investor guidelines? My wife asked XXXX to please ensure you indicate Wells Fargo called us and offered this assistance. 

This is not the first time this has happened. Yet Wells Fargo always reply will an allege system error. If the system error on my account was fixed on XX/XX/XXXX as they stated why did I receive a short term forbearance letter in XX/XX/XXXX stating I was on a short term forbearance and the monthly statement also displayed the same information. 
We are now in XXXX, yet Wells Fargo called me and offered this arrangement plan and denied in later. They must be held accountable for their actions. 

They can't continue to change credit reporting information to match their error and not be held liable. 

After asking many years for my investor name, it was provided last month. I'm sure XXXX would not be pleased to learn of the horrible customer experience Wells Fargo is repeatedly providing on their investments. 

Thank you
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

On my XX/XX/2020 statement, American Express charged me {$150.00} annual fee on a card that I never use. In XXXX, I requested they close the account and refund the fee. They refused to refund the fee. Again, I do not ever use the card. Instead of easily closing and removing the fee, they forced me into a lower fee card. This is completely unacceptable.
Consumer complaint received 2021-05-24
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. (WI)

I have called equifax several times I am being told that the information in my equifax account is inaccurate but the information in my equifax account should match what equifax has there are lots of inquires that were not made on my behalf
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

American Honda Finance is still showing a closed and settled account on my XXXX  credit report from almost 8 years ago. The account has been settled and is not showing on either my XXXX or XXXX  reports. I have spoken to both Honda and XXXX  and both representatives are telling me it is up to the other to remove the account from my report. 

The account was opened in XXXX of 2013. XXXX  nor XXXX  required any action on my part due to the account being settled and being over 7 years old. So, I am not sure why XXXX will not just remove the account from my report and is asking for Honda to provide proof the account is settled when my report clearly states that the account is closed and settled. This is causing a XXXX point difference between my XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, and TXXXX XXXX XXXX XXXX scores. The ONLY difference in all three reports is the Honda account.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. ()

Company Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Report No : XXXX Unique Transaction ID : XXXX Report Created : XX/XX/XXXX I have received my latest credit report ( attached ) from the above company and I found my account information incorrect. My XXXX Personal Loan Account No. XXXX is closed in XX/XX/XXXX. The closure letter is also attached. But till date in my credit report the same account is showing open with an outstanding amount. That is effecting my credit score. I have already reported the same to Experian and received a Reference No. XXXX on XX/XX/XXXX. But not yet received any resolution to the same. 
Also for the other accounts listed in credit report, the current balance part is not updated. 
The whole thing shows a wrong picture about me to the banks and is not good for my financial aspect.
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Dynamic Recovery Solutions, LLC (CA)

I am being repeatedly called in an autodialer system and harassed for a 8 yo fraudulent XXXX loan. 

The XXXX  lender was not legally permitted to operate financial lending services in my state of residence, therefore negating the loan. Additionally, the statute of limitations has passed on this debt in my state. The collection agency involved is practicing illegal collection tactics. 

They call me almost five times a day and do not identify their company or for what matter they are calling about. 

In my most recent call, I was told I was fraudulent in some manner. I told her she was contacting me unlawfully and hung up the phone.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MO)

I received a collection letter from a law firm representing Discover Bank. They claim I owe {$XXXX}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed XXXX  years ago, not my current name. I was XXXX in XXXX of 2000. I have a credit card with Discover, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. Discover had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.
Consumer complaint received 2021-07-14
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: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

I used Pay Pal to purchase items which I later returned. The amount was {$73000.00}. Pay Pal only processed {$150.00} to my credit card, keeping the rest, {$580.00} in Pay Pal. I received no email, phone call, or contact explaining any problem. Only when I tracked my account did I discover that Pay Pal kept my money. I called and emailed them multiple times. The email responses were robotic responses that had nothing to do with my issue. When I phoned them, they initially kept me on hold for 20 minutes and then and they kept me talking with a female " XXXX '' and her supervisor " XXXX '' and on further holds for 55 minutes while they continuously refused to refund my money, insisted that I give them my bank account and debit card numbers and codes, and blamed my XXXX card for why they did not return the entire amount. I contacted my XXXX card and they denied any obstruction to receiving refund money. Pay Pal still has my money. They say I can request a check which could be issued in 3 weeks. This is entirely wrong and represents extortion for my bank account numbers. In this era of people 's privacy being voilated, identity and cyber theft, I am concerned that Pay Pal is putting me at risk and holding my refund money hostage, hoping I 'm stupid enough to give them access to my bank account.
Consumer complaint received 2017-12-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.
Consumer complaint received 2022-04-27
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: SYNCHRONY FINANCIAL (MN)

I got 2 things on my Hard Inquires that I have no knowledge of the TJx and XXXX XXXX  account I know about only one in that's the XXXX me and my wife just open up account there. The other 2 I do not know about never been out of state and don't know about them places at all. So I'm looking to get them removed as soon as possible please and thanks.
Consumer complaint received 2020-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (MD)

Recorded message from Credit Management Company claiming to be trying to collect a debt. This is a scam. I have no debt to be collected and have informed the company, as well as telling them to stop calling me. I continue to receive automated telephone calls from XXXX. There are many, but the ones I have records of are : XXXX XX/XX/2020 XXXX XXXX ; XXXX XX/XX/2020 XXXX XXXX ; XXXX XX/XX/2020 XXXX XXXX. I have voice mail recordings for each of these calls.
Consumer complaint received 2018-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX/XXXX  XXXX   Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX  XXXX  XXXX Date Filed XX/XX/XXXX XXXX/XXXX  XXXX Date Filed XX/XX/XXXX XXXX XXXX  XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX 1.XXXX-1 Inquiry from XX/XX/XXXX 2.XXXX  XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10.XXXX XXXX Inquiry from XX/XX/XXXX 11.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX Inquiry from XX/XX/XXXX 14.XXXX XXXX Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX Inquiry from XX/XX/XXXX 17. XXXX XXXX Inquiry from XX/XX/XXXX 18. XXXX XXXX Inquiry from XX/XX/XXXX I XXXX XXXX have contacted all 3 bureaus to have my credit inquiries for auto loans removed because the dealership I went to promised me they only ran my credit once with XXXX XXXX XXXX. Weeks later multiple credit inquiries started showing up after I signed the purchase agreement for XXXX XXXX XXXX. All 3 bureaus have refused to remove the inquiries multiple times. I have contacted many of these Auto loan companies and they have no record of me in their systems. Because of all these inquiries I have been denied mobile home loans and residence in mobile home parks. And this is a clear violation of the fair credit reporting act.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CA)

Closed a savings account on XX/XX/XXXX. The representative who closed the account told me a check would be overnighted. I've contacted them numerous times and spoke to many diff departments but they have not responded. The reps I spoke with do not know when the check would be issued nor when I would receive it. This is an unethical business practice in an effort to keep my money longer. They also stated I would not receive interest for the month of XX/XX/XXXX.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On Monday XX/XX/2021 at approximately XXXX XXXX, I received multiple phone calls to different family members phone numbers from an unknown number trying to reach me. There was no company name mentioned in the voicemail, only a phone number ( XXXX ) When I called this company back, they told me that I had a debt and when I requested a validation notice through mail that I did not receive, an employee supervisor named XXXX XXXX stated that they can not send me another validation notice because they simply do not have time and that the Fair Debt Collection Practices Act does not apply because I am in the pre-legal stage. I am being harassed and not being told or made aware of my right to dispute this debt. The companys name is XXXX XXXX XXXX
Consumer complaint received 2018-07-27
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. (PA)

XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXXXXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX 1.XXXX-1 Inquiry from XX/XX/XXXX 2.XXXX XXXX   Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 7.XXXXXXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10.XXXX XXXX Inquiry from XX/XX/XXXX 11.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX Inquiry from XX/XX/XXXX 14.XXXX XXXX   Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX Inquiry from XX/XX/XXXX 17. XXXX XXXX Inquiry from XX/XX/XXXX 18. XXXX XXXX Inquiry from XX/XX/XXXX I XXXX XXXX have contacted all 3 bureaus to have my credit inquiries for auto loans removed because the dealership I went to promised me they only ran my credit once with XXXX XXXX XXXX. Weeks later multiple credit inquiries started showing up after I signed the purchase agreement for XXXX XXXX XXXX. All 3 bureaus have refused to remove the inquiries multiple times. I have contacted many of these Auto loan companies and they have no record of me in their systems. Because of all these inquiries I have been denied mobile home loans and residence in mobile home parks. And this is a clear violation of the fair credit reporting act.
Consumer complaint received 2019-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IA)

I have submitted information on Navients website to defer for a few months. For the past 3 weeks Navient representatives have been calling my work in our office every day before XXXX. Describing the nature of their call which gets routed through to the receptionist, so they are not keeping my information at all private. I requested in XX/XX/XXXX that I not get calls in office, renegotiated my loan termsz then Im XX/XX/XXXX they began to call again. I spoke with someone telling them again not to do this. He said I waived my right to not receive multiple calls at work when I signed my loan agreement. He would not pass me to a supervisor. And I requested a call back from a supervisor after which the customer service agent hung up. The next day, which would be today XX/XX/19, I received another voicemail from Navient. I had explicitly said not to call as well as gave my phone number, which I asked the customer service rep to confirm he has. He refused to do this before he just hung up. I would constitute this as deliberate harassment and sharing of personal information.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (AL)

OnXX/XX/2021 BB & T processed check numberXXXX for the amount of {$1000.00} and onXX/XX/2021 they processed check number XXXX for the amount of {$2300.00}. The checks in question were stolen. They were cashed by XXXX XXXX and XXXX in XXXX AL. I filed a police report for the theft of the checks with the XXXX, AL Police Department on XX/XX/XXXX and another report in XXXX Al on XX/XX/XXXX for check fruad. I also filed a report with BB & T. On XX/XX/2021 I received a letter from Centralized Fruad Claims denying my claim because of negligence in safeguarding access to account information and/or financial documents.
Consumer complaint received 2018-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

Step 1 : What is this complaint about? 

I getting constant calls from XXXX XXXX an agent at Navient, about my private studnet loan. When I called to make an payment plan it was accepted at first, but he was not please about it so he later denied it, when I told him I could not pay what he was suggestion would be better. Then he went on to tell me incorrect information about my credit score and the assests of my cosigner ( he said he is coming to take the house that my cosigner owns ), but they do not even own a house, and threaten that they are coming to take it. He was rude, aggressive, short tempered, and belligerant. He also called back to back several times.

Step 2 : What type of problem are you having?

I recieved no notification about this private loan prior to a 3 weeks from XX/XX/2018. I am in good standing with all my loans. Due to short notice I want to be respnsible and pay what I can as of right now, but I am being lied to and denied that right. 

Step 3 : What happened? 

He took it upon hisself to deny my offer, after failing to get a larger amount out of me. He kept making negotiations and said that is all he can do. When I told him I can not do that then he would change it to a lower amount. He agreed with my offer initially, but as he kept doing the math he told me it " would not make sense ''. Then he went on to tell me that he knows I can pay it because I have a good credit score, which is not true. He also said they do not give loans to people with bad credit, but this loan is 9 years old when I was XXXX years old and had no credit but simply a studnt.

Step 4 : What company is this complaint about?

Navient and the specific agent is XXXX XXXX who telephone number is XXXX as well as XXXX. He has left messages threatned my cosigner, and have been rude, aggreesive, and deceptive to me via phone. 

Step 5 : Who are the people involved? 
Myself, my cosigner. The agent XXXX XXXX from Navient
Consumer complaint received 2017-12-20
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: Experian Information Solutions Inc. (NY)

My payments are every XX/XX/XXXX of the month. I made the payments thru the mobile app and was never recorded. This happened for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested for this account to be put on an auto pay since is on the business name ( XXXX XXXX XXXX ) but under my name.