davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have a mortgage with Wells Fargo. Wells Fargo had offered a program to oo offer a lower interest rate if I see a lower interest ; I called Wells Fargo, I was told I qualified for lower Interest rate. When I called, to find out why I was n't was n't contacted for the lower interest ... Well Fargo denied any record of me making a phone call for the special program to lower my interest rate I notice that each time I called Wells Fargo the representative knew my mortgage loan. Their computer identified me by my phone number and the Wells Fargo representative new my name and loan number. I believe Wells that Wells Fargo knowingly discriminated against me ...
Consumer complaint received 2016-08-17
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (UT)

I am a victim of identity theft. I learned that my personal information was used to open an account at Cash Net USA. I did not open or authorize this account. 

I filed a police report as well as an Identity Theft Report with both the State Attorney General 's office and the Federal Trade Commission. 

I notified the company by email ( XXXX/XXXX/16 ) and in writing ( XXXX/XXXX/16 ) that the account was fraudulent, provided the Identity Theft Report, and requested police report. I asked that they investigate the matter, close the account, absolve me of all charges, take the steps required under the FCRA and send me a letter explaining their findings and actions. 

They have not responded to my requests and have continued to send me overdue notices on the account.
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the fair credit reporting act XXXX account, XXXX has violated my rights Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Consumer complaint received 2015-10-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is XXXX years to collect any kind of debt. The original mortgage was with XXXX XXXX Mortgage and XXXX Mortgage, XXXX Mortgage forgave the debt and discharged it at the registry of deeds, XXXX XXXX Mortgage sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA, In the mist of all this my identity could possibly be at risk for identity theft.
Consumer complaint received 2016-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (CA)

My current mortgage servicing company is AmeriHome Mortgage. They bought my loan from XXXX XXXX in XXXX of XXXX. AmeriHome Morgate claimed that they never had my insurance policy paper on file and their escrow department never paid the premium that was due XXXX of XXXX. I ended up paying the XXXX premium out of pocket. See my latest email below to AmeriHome dated XXXX/XXXX/XXXX. It documented the whole ordeal and what I expected from them to resolve the issue. 

==== I have contacted Amerihome multiple times about my property insurance premium issue. Your response below did n't capture what had happened. Let me summarize : 1. The service of this loan was transferred over to Amerihome from XXXX XXXX in XXXX XXXX 2. During the transfer, the insurance document was missed. Even though this is really not my problem ( you should have contacted the loan seller for that ), nevertheless I uploaded on XXXX/XXXX/XXXX the most current policy, which is the XXXX/XXXX/XXXX policy. 

3. I then contacted Amerihome multiple times notify about the policy expiration date. I was told that a request has been made to escrow department. However, no response since then. 

4. To keep the policy from lapsing, I ended up paying XXXX the XXXX policy premium out of pocket, and designated Amerihome as the mortgage holder. 

5. As you can see, I am doing all the tasks that a mortgage servicer is paid to do. From your response below, nothing seems to have happened from Amerihome side. If I did n't take the initiative of paying the premium myself, I shutter to think what would have happened to my coverage. 

6. Let me spell out what I expect from Amerihome. Refund me {$980.00} the policy premium from my escrow account, or pay XXXX the same amount and they will refund me directly. 

7. Notify me via message or phone XXXX by XXXX/XXXX/XXXX about status, or I will log a complaint with XXXX about Amerihome. This will be my last resort, but I do n't see any other options, having had to dealt with your lack of effort/urgency regarding this matter.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Fitzgerald Goldman & Associates, Inc. (WI)

They say they are from Fitzgerald and associates XXXX. They will not tell me what it about just that i owe money. They refuse to create paper trail or provide information. They will not provide me anything in writing. They threatened to take my car away. They called me on my cell phone at XXXX on XXXX. They called me at work on XXXX and i asked them not to call me here. They called again on XXXX i asked them not to call me again.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

The main issue aside from payments being applied late and incurring late charges is that I have sent OCWEN Loan Servicing LLC copies of my homeowner 's insurance policy, as had my insurance company, as has been the case in the past 13 years since having this mortgage and yet they claim they do not have proof of insurance and now have added XXXX insurance. Secondly, I have no evidence of who even owns the mortgage since it has been sold several times with no transfer documentation being furnished to me.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Balance transfer fee — 
Company: U.S. BANCORP (TX)

INTRODUCTORY RATE OFFERS WAS MISLEADING. DID NOT DISCLOSE ALL FEES. STATES 0 % INTRODUCTORY RATE FOR BALANCE TRANSFERS. BUT THEY CHARGED A 3 % TRANSACTION FEE WHICH IS NOT DISCLOSED ANYWHERE ON THE OFFER PAGE. HAD I KNOWN OF THIS UNDISCLOSED FEE I WOULD NOT HAVE DONE THE TRANSFER.
Consumer complaint received 2015-04-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

XXXX XXXX placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (NC)

On or around XX/XX/XXXX the company had agreed to remove items from my credit report due to the client could not verify the account, and in fact agreed that it was not mine. 
On XX/XX/XXXX the company, ameriso financial solutions posted the same accounts and have continued to post accounts that exceed the statute of collection and in some case the seven year limit for credit reporting. after speaking with the company they advised they had no idea what i was talking about but could not remove anything from my credit.I also asked why they posted duplicate accounts that were in fact not mine and also removed. Associate ask me not to call back and terminated the call.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX  loans were previously held with XXXX before they were transferred to XXXX in 2022. XXXX XXXX  is still reporting them as active to all XXXX credit bureau 's. I can't get through to XXXX because you need to have an active account and I have tried by phone, email and botchat but it will not let me proceed. I have tried having the credit bureau 's do an investigation but they continue to keep the balance of XXXX  on my account an addition to XXXX. This is doubling what it says I owe for my XXXX  loans. I am getting no where in trying to get this information accurately updated.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (KS)

I have been residing at my home for at lease 10 or 11 years and never file an insurance Claim welsfargo is my home mortgage Loan Bank I 've made an insurance claim due to Hail Damage on Roof XX/XX/2016 I received a Check from XXXX XXXX XXXX XXXX made out to me and Welsfargo For the replacement of Roof and other damages I personally went to the Bank to have check endorsed to me and was told that they could n't cuz I was behind on my mortgage payments And wants me to contact A Roofing company so that they can endorse the Check to them!! I am a XXXX and if I got behind on my mortgage was cuz of Personal Issues I an currently all caught up on my Mortgage I was told by my Boss that since it was my House that I can request to be a Self Contractor and that I can Repair the Roof nd Damage I contacted the Property loss Dept at XXXX for A faster Resolution to Be A Self Contractor on XX/XX/2016 and was told to Fax them a written letter with my request on That same day XXXX fax them my written notice I Was told that I would have a response in XXXX or 4 Days finally on XX/XX/2016 I called them Back and was told I was n't approved and without an explanation As why I was n't approve as a Self Contractor please Help me with this Situation!!
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX the Internal Revenue Service deposited my XXXX tax refund of {$1400.00} into a Chase Bank account with XXXX  digits ending in XXXX. This account does not belong to me and I did not provide the account number to XXXX for a direct deposit. XXXX does not admit responsibility for the error and insists ( after almost 8 hours and 6 different phone calls ) that Chase should not have accepted the deposit as my name does not belong to that account number. Chase will not confirm or deny that the number is a Chase account ( it is ) and they insist I have to deal with XXXX. 
Around the same XXXX date California Franchise Tax Board deposited my XXXX refund of {$510.00} into the same account. Of course I get the same responses from both parties. 
I did not provide any entity with the Chase account deposit instructions. I've asked XXXX to provide evidence of my instructions and they directed me to a XXXX XXXX XXXX XXXX XXXX customer service number. Again, no accountability and no help. 
The IRS and CA FTB have initiated refund searches and have confirmed the monies were deposited into this Chase account. IRS and CA FTB have stated they can not force Chase to send the money back to them so they can mail my refunds to me. Please help me. 
Thanks
Consumer complaint received 2017-04-29
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: EQUIFAX, INC. (MI)

On  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I was notified through an email that a new Jefferson Capitol Systems account was added to my XXXX credit report. It states that I owe {$860.00} to XXXX XXXX. 
It also states the date opened was XX/XX/XXXX. However upon checking my credit report with XXXX, it stated that the account was opened on XX/XX/XXXX and that I also owed XXXX {$860.00}. I filed a dispute through XXXX immediately after discovering I was a victim of fraud and or identity theft. I hereby state that I never had an account, applied for credit, or have knowledge of ever opening an account or owing money to XXXX or Jefferson Capitol Systems who is a collection agency for XXXX. 
I further state that this action against me is fraudulent and I should not be held responsible or liable for this debt.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (NV)

XXXX XXXX XXXX abusive to me XXXX sending me letters they are not showing me the documents evidence of the bill that is sent to me I have copies of the bill it was automated over the computer and I did not willingly try to purchase this product so this letter that their charging me is erroneous.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (NJ)

Hi CFPB, Hope all is well. I am writing regarding my Wells Fargo credit card. It is ironic, now after the truth surfaced regarding the questionable Wells Fargo 's moral compass. I have solicited WF 's help multiple times over the course of the past couple of years, stating over and over how I never needed the card, and barely use it anymore. I was paying the minimum, which is an acceptable form of payment, unless of course the exorbitant interest charges and " late '' fees continue to accrue. Not to mention they reduced my credit limit WITHOUT my consent, seriously damaging my credit. I asked in XXXX of this year what my options were, specifically expressing interest in a balance transfer, or the card they partnered with XXXX. ANTHING to help. While I will give WF credit on their customer service in other areas, I am so disappointed after being a loyal customer for 15+ years there is no option,
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo randomly replaced my credit/debit cards without reason TWICE, stating that the reason was " only for my protection. '' I pay most of my bills online and virtually changed all my accounts after the first time AND then had to do this again. What a total pain-in-the-ass. TWICE???? 

Furthermore, when my current card expires in just a couple of months, they won't renew that card number. I have to get a new one again! 

If I have to make a credit card return I am screwed because retailers won't accept a new card # for a credit to my account and I will be stuck with a " store credit ''. Wells Fargo screws me again. 

Just a couple of weeks again, they froze my account over a {$4.00} charge at know business that I use frequently and that " they felt '' was at risk. 

They do this all of the time... if there was another national bank in Texas to use, I would change. Sadly there isn't.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (AR)

I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies Experian, XXXX, XXXX. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit 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 A XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (RI)

Public tax liens that have been investigated and deemed resolved and released, still remain on my credit reports for all XXXX agencies. XXXX for XXXX for the State of Maryland ( paid ) and another for XXXX for the state of Maryland ( Deemed inaccurate ) released XXXX months ago.
Consumer complaint received 2016-10-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EZCORP, INC. (TX)

i got a automated call today XXXX/XXXX/XXXX from number XXXX & followed up with a call from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX i have no knowledge of this account and i have informed the agency that i have been a victim of identity theft, i did ot make any payday loans. 

i need copy of contract signed, iD presented, Store Location, video surveillance E.T.C. 

this is an ID theft, i have not collected any such Loans & i want this collection and threats of lawsuit to stop now.. 

this is the first call & first time i am hearing about this, claimed it was an account from XXXX, this is XXXX 5 years later. i am 100 % sure this is not my account and i need organization to close the account and delete records from my credit. 

Thanks
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Seidberg Law Offices, P.C. (AZ)

Based on the above bullet points, I and this situation falls into XXXX,XXXX and XXXX bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a Seidberg Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (GA)

In XXXX I sent a complaint to BB & T, because after two years of responses to my RESPA QWRs from XXXX XXXX XXXX ( XXXX ). they have written to me that the custodial bank for my foundational loan documents are in XXXX. In XXXX of 2015, XXXX wrote in a CFPB response that BB & T is now the custodial bank. I then sent a complaint to BB & T on the CFPB web page. BB & T immediately sent it back to the CFPB stating they had no account in my name. After sending another complaint to XXXX, they recently responded with the attached letter. In that letter, in paragraph XXXX, they claim once again that the custodian of the Loan is Branch Banking and Trust Bank. I also filed a complaint to XXXX ( XXXX ) XXXX this past summer, and they are still researching and trying to figure out how to respond. Does BB & T still deny they are the custodian? Is BB & T for some reason allowing XXXX to use them as a decoy? I do n't understand why the servicer and the banks including XXXX, XXXX XXXX, XXXX, and now BB & T continue to give me the run around on a few simple questions.
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I am a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from XXXX XXXX XXXX in XXXX, Kansas. The account went to a collection agency, Ad Astra Recovery Services, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX  and placed a security alert on my accounts.