davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WV)

I have been patiently waiting for some response from Wells Fargo. I got my home back in late XXXX ( redemption ). Since then, I have been given NO confirmation to the home being mine again. I even without having a new loan number ( I was told by XXXX I would be given a new loan number ) made a house payment in XXXX. In fear to getting behind on payments again. I was told to NOT do this XXXX XXXX XXXX XXXX because any payments made could be in limbo while awaiting a new loan number. I have received yet again several letters from Wells Fargo on how they are working on details and should have everything resolved by a certain date, only to receive more letters stating the same with a latter date. I ca n't sleep, and all I do is worry because my home was foreclosed on during a re-modification period back in XXXX. I was successful in XXXX to get my home back, with a large amount due in late XXXX, I wired the money from my bank to Wells Fargo, and to this very date I have not received in notification from Wells Fargo, but XXXX did receive a letter ( email ) from CFPB and that my home was mine. I need some clarification, a loan number, an amount owed. I ca n't go on with this waiting in limbo, it has since affected my health. This is XXXX XXXX and I am no closer to understanding what I should or should not be doing since wiring the money in XXXX. I have taxes that will be do, and homeowners insurance that XXXX are included in my mortgage. I can send you copies of every letter I have received from them, Wells Fargo, and how the date gets pushed back. Can you please help me with getting the proper help in clarifying this matter. Thank you for you time again in this matter. Account Number XXXX Case Number with cfpb XXXX and XXXX XXXX XXXX
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

XXXX we requested a loan modification from Well Fargo and finalize the process XX/XX/XXXX. No need to cover all the details as they are covered in other filings with CFPB. 

When we requested the loan modification our mortgage payment was {$1200.00} with a income of {$3100.00} and a mortgage of {$120.00}, and a 20 year payoff, after the loan modification our mortgage payment was {$1100.00} with a monthly income of {$3100.00} and a 40 year payoff, something does not add up.
Consumer complaint received 2019-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NJ)

I joined Ally 's payback promotion in XX/XX/XXXX and I had confirmed with several representative that I would be eligible to get the full {$1000.00} bonus if I make {$100000.00} deposit into the account after I enrolled into the promotion. It would not matter if I withdraw any money before the enrollment. However, I only received {$660.00}.
Consumer complaint received 2016-09-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (TX)

I was contacted by a Wells Fargo debt collector regarding status of a loan of which I did not have information on. I requested info of which the caller was unable to provide me with I received a letter on XXXX XXXX, 2016 from the Executive Office stating I would be mailed more info by XXXX XXXX, 2016. It is now XXXX XXXX and I have not received any info.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (AZ)

Debt was paid on XXXX/XXXX/2015 in the amount of {$76.00} to credit protection association. This company then sent another bill on XXXX/XXXX/2015 for the amount of {$92.00} requesting an additional payment on a paid in full account. This company stated upon paying the debt in full that the information would be removed from all three credit bureaus. However, the company has only updated the amount to a {$0.00} balance which is still affecting my credit.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (MI)

I have received numerous calls from the agency for a person I do not know. On XXXX/XXXX/2016, I received a call asking for an XXXX, i informed the rep she had the wrong number, and i was advised she would remove my number. Again on XXXX/XXXX/2016, I received another call asking for the same person, again told them to stop calling me. They were also using an auto dialer to call my cell phone, which i told them they did not have permission to do, and again to stop calling my number. Then on XX/XX/XXXX, i have received two calls. Once at XXXX, and again at XXXX. Again they are using an auto dialer to call my cell phone, after being told not to, and i again have asked them to stop. When calling to ask them for their address so i can mail them a cease and desist letter, the first rep refused to give me to me, transferred me to a supervisor, which i had to wait 5 mins to talk to.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. find the required documents to assist in the blocking and delete of the erroneous information which is being posted to my report. 
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 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
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX  XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Bankruptcy showing on credit report that does not belong to me. This was reported several times to XXXX and TransUnion, XXXX This account does not belong to me
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC (NY)

Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (TN)

I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1700.00} still showing so I do n't really understand why the company keep calling me for a closed account.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MO)

I had XXXX in XXXX on XXXX/XXXX/XXXX. The total charge was {$18000.00}. I had to use XXXX credit cards to pay the charge. {$17000.00} on XXXX and {$1800.00} on Chase. The merchant or bank in XXXX charged my cards three times for the amounts above. XXXX was legitimate, the XXXX XXXX they refunded in XXXX, XXXX and the XXXX XXXX was an issue getting it back. However XXXX was diligent and was able to get the third charge returned. Chase has denied the third charge as being a dispute and told me it was my issue. Now they are also saying it 's been too long and they ca n't do anything about it. ( {$1800.00} ). I have been in contact with Chase every week or multiple times a week by e-mail and phone and even sent a registered packet with all the documentation showing there is only XXXX charge - period. I even have an e-mail from the merchant stating the " total '' is {$18000.00}. I did n't know where else to turn.
Consumer complaint received 2021-06-04
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: WELLS FARGO & COMPANY (CA)

I have been a Wells Fargo customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through Wells Fargo Bank. In the past 28 years Wells Fargo has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet Wells Fargo is reporting me 30 days late In XXXX of 2014. I tried to dispute with XXXX  and XXXX  and XXXX  unfortunately the problem was not fixed. Now I am forced to file a complaint against Wells Fargo Bank for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
Wells Fargo knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was born on XXXX. XXXX has " XXXX  XXXX  '' insurance ID XXXX. After a while, I received a bill from the hospital for {$1200.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few months I received a bill from a collection agency " AR Resources inn " in the amount of {$1200.00}. Several times we contacted the agency, explained the situation, and also left a complaint with CFPB, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX $ from me again
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/2017, I received a collection call from a collection agency named XXXX and XXXX ( XXXX ) XXXX. The debt collector stated that he was attempting to collect a debt on an old credit card with HSBC that was about 7-8 years old. I do not recall having a credit card with this company but I if the debt was incurred, the residency of my state ( NJ ) has a statue of limitations on collecting credit card debt for only 6 years. This would make the collection attempt illegal and in violation of fair credit collection practices.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc. (NE)

This company is trying to collect a debt that was the result of identity theft and or unauthorized use. I have never authorized XXXX XXXX to bill me for any services or products. I have attempted to talk to the company directly, however ; no one in the customer service department was willing to help me. I have already filed a report with the FTC and have provided it to the credit reporting companies. I have included a copy of my Identity Theft Report filed with the FTC and have forwarded the complaint number to the local authorities.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

Synchrony charges excessive late fees to their consumers. Not only that, but they add it to the balance owed so they add late fee on top of late fee with no option to negotiate a payment plan. This is how they want to make money. Their representative need better training also. They are rude, talk over you and are aggressive.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I spoke with the US Dept of Education in XXXX today regarding my $ XXXX student loan. They stated that they reported to the credit agencies way back at the end of XXXX, 2015, that my account was paid in full and that all remarks and negative history should have been removed. They said that it is the obligation of the Credit report agencies ( all XXXX ) to remove all information off my account permanently so it does not stay on my report for XXXX years. All this derogatory information is still on my credit report and it is now almost XXXX!! I have to move and this credit score is disrupting my life and unjustified!!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformation in my credit fi le. I am specifi cally addressing the fraudulent information listed below as a victim of identity theft ; See Fraudulent Collection Account Summary below.
Consumer complaint received 2022-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NV)

Received payment statement on XX/XX/22. Mailed payoff payment with payment stub and envelope provided by ECSI Heartland on XX/XX/22. Noticed payment has yet to be processed on XX/XX/22. Chatted with online representative on XX/XX/22 and was notified lender changed mailing address after payment was submitted. Student loan lender did not notify of mailing address change. Believe this to be an unfair business practice as a borrower as I have been compliant in repayment process.
Consumer complaint received 2021-06-04
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)

On XX/XX/XXXX I advised XXXX  and Equifax that I was a victim of identity theft during Covid 19 and I have lived in XXXX XXXX, NV only in Texas all my life Account Type Collection Department / Agency / Attorney with a Balance of {$4200.00} from XXXX XXXX XXXX creditor : XXXX XXXX XXXX NV and placed on my on XX/XX/2020, I requested that XXXX  and Equifax provide with methods used to verify that this account belongs to me which they did not this account is a fraudulent account on my report and should be deleted immediately and not sold to any other collections agency that I do not have a contract with this information is not accurate and they should report accurate information only but I find that most of the time they do not and therefore are not protect the consumer I have worked and lived in Texas all my life
Consumer complaint received 2022-09-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

I had a XXXX credit card in XXXX and due to lost of income I was unable to make payment. I have attempted to contact XXXX Bank and to request to XXXX monthly payments on a monthly basis. However, I was told that I have to call them monthly to make the payments. I contacted them several times and made payment over the phone, but it was very difficult to contact them, because the calls went to their customer services in XXXX and I felt discourage to give my credit card to third parties. I requested for my call to be transfer to United States, but finally after many arguments the calls were transferred, but it seemed that the bank just want to hold onto my debt. Every time I made a payment I was told that my balance was {$800.00}. The last time I spoke to the customer representative i requested to pay {$500.00} to close the account and I was told that they could not do that at this time. After that came out the Pandemic and I attempted to contact them unsuccessfully, because no one responded the telephone from the bank After my unsuccessful attempts, I received a letter from Resurgent Capital Services ( LVNV Funding LLC, ( XXXX stating that I owe {$1.00}, XXXX. On XX/XX/XXXX ; Reference ID : XXXX I dispute the validation of my debt and the verification letter. The above agency stated they do not have the validation and they keep harassing me on the phone and XXXX keep sending me tons of emails. Now they reported t the credit bureaus. I feel is unfair that I have to pay this account after so long. This amount is incorrect. I sent letter to all three credit bureaus, but are all against me. On XX/XX/XXXX I received a letter from XXXX stating that my account was sold to Resurgent Acquisitions LLC on XX/XX/XXXX. Why did not accept to pay this account previously. I think this is a way to abuse consumers. 

I would appreciate tremendously your help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (FL)

I applied for a Citi Bank CitiGold checking account which provided for a bonus of XXXX ThankYou Points upon meeting certain criteria. That criteria was met and confirmed by Citi no less than 4 times via secure messages and telephone calls. It took approximately a month and a half of repeated calls and e-mails to get Citi to honor this offer and deposit the XXXX ThankYou Points in my account. When the offer was finally honored, I transferred the points to my ThankYou account tied to my Citi Premier credit card and requested that the checking account be closed due to the poor customer service and needing to waste hours of my time following up with them to get Citi to honor their offer. I was explicitly told during the phone call where the checking account was closed and the points were transferred that I would have 90 days to redeem those points. Approximately 70 days after those points were transferred and the checking account was closed, I noticed the points had been deducted from my ThankYou account balance. When I inquired with Citi as to why, I was told that because I closed the checking account, that Citi was only allowing me 60 days to redeem the points. At no time was this ever communicated to me, and if fact this was in direct contravention to what I was explicitly told by Citi 's own representatives when I transferred the points and closed the checking account. The points have a value of ~ {$500.00} when redeemed for flights - which is what I intended on doing with the points. I have made a request that Citi honor the terms of their representative 's statements to me about expiration date of the points, and Citi has denied the claim. I either want the points reinstated with 30 days to use them, or for Citi to compensate me for the ~ {$500.00} in damages Citi has caused by not honoring the terms of their own agreement.