davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old XXXX couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}.
Consumer complaint received 2017-03-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VA)

XXXX filed an order through the XXXX to withhold funds from my bank accounts with Wells Fargo. Wells Fargo removed funds from XXXX of my checking accounts and my savings account leaving me with a zero balance in all of them. The amounts that they withdrew are : XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$740.00} from my Way @ SAVE checking accouns ; Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$410.00} from my At Work Checking and ; XX/XX/2017 LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$62.00} from my Savings account. 
On XXXX @ XXXX a judge ordered a garnishment exemption which was faxed and mailed to Wells Fargo. They have not returned my money to me. I have spoken with them on XX/XX/2017 @ XXXX for XXXX min and XXXX seconds ; XXXX for XXXX hr and XXXX min ; and XXXX for XXXX min and XXXX seconds. On XX/XX/2017, I spoke with them again @ XXXX for XXXX minutes. On that day I also went to the Wells Fargo Branch @ XXXX. XXXX XXXX and spoke with the branch manager, XXXX. She later called me and said that there was nothing she could do to help me. On XX/XX/2017 I spoke with them again for XXXX for XXXX hr and XXXX minutes. On XX/XX/<YYYY> I spoke with them @ XXXX am for XXXX minutes ; @ XXXX for XXXX minutes and @ XXXX for XXXX minutes. Today XX/XX/2017 I spoke with them @ XXXX am for XXXX minutes and @ XXXX for XXXX seconds. Some of the time was time I was on hold, but each time I was told that there was nothing they could do. They advised me to call the court. 
I have spoken with the above mention court on XX/XX/2017 for XXXX minutes ; XX/XX/2017 for XXXX minutes ; and today, XX/XX/2017 for XXXX minutes. I have also visited the court in person and each time they tell me that a check was never received and there is nothing that they can do. I asked them to please call Wells Fargo to let them know that the check was never received, but they wo n't. I asked Wells Fargo if they would call the court to ask if the check was received and they wo n't. I also asked Wells Fargo if they could provide me with the address that they mailed the check to and they said that they did not have that information. This was their legal department. 
Needless to say, I am getting nowhere fast. I am a nurse and I live pay check to pay check. I have had several insufficient fund fees charged to my account in addition to the money being held by the bank. I feel this is very unfair. Please help me resolve this. Wells Fargo is way to BIG for me to get anywhere with. I am attaching the court papers. Thanks, XXXX
Consumer complaint received 2020-05-26
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: CITIBANK, N.A. (MA)

I am disputing the lates on these accounts because they are inaccurate and not proven. Please do a deep investigation on them and have them removed from my report because they are really affecting my scores.
Consumer complaint received 2015-05-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Summit AmeriFirst Holdings, Inc. (OH)

The last of XX/XX/XXXX my husband passed away. The beginning of XX/XX/XXXX I began receiving citations on my home. The house needed painted or sided. I did n't know what to do. A door to door sale man showed up they sold siding. I signed papers with a salesman for the Loan of there choice. Did n't understand it but thought they were helping me with my problem. I got the loan in XX/XX/XXXX been making monthly payments of {$200.00} for XXXX yrs now. I have already paid the Amerifirst {$16000.00}. It 's a XXXX yr loan with interest rate of XXXX. The loan is for {$15000.00}. I'ved called and ask what the payoff is and it is the same amount I owe no discount. I also asked if they could lower the interest rate because I 've been a good customer and they said no. I just do n't know what to do. Buy the time I pay them off in XXXX yrs it will be more than double the money I owe. How can that be. Thank you for listening.
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc (IA)

I had a medical bill of {$170.00} ( which is peanuts! ) that they were sending to wrong address and i never got it. I never even got a call. I saw on bureau so paid it but the reporting is still there. It reported me over 60 days past due from XXXX XXXX. I asked them to remove since never got bill and small amount i would have paid and looking at bureau you can see mistake since only late bill ever. i called again to submit formal dispute and rep told me they dont have a dispute process. I worked in collections for 10 years and know my rights and asked to speak to supervisor. He said he was. I asked to speak to his supervisor and he put me on hold for over 20 minutes. someone came on who said he could flag as dispute but nothing else since sent debt validation- which told him again was wrong. i asked for complaint process which he sent me to voicemail.

Simple mistake of no bill and i dont think my overall credit score should be damaged by it for {$170.00} for 7 years which he told me nothing can do. 

the name of the company is H & R Accounts Collections agency.
Consumer complaint received 2016-08-15
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (AE)

I sent a previous complaint on Western Union. I now tried to submit yet another transaction and have been denied again. I now have to call again and go through the same frustrating process that should have been resolved with my previous transaction. this is so frustrating to be overseas and subjected to this kind of services from Western Union. Please publish this and my previous complaint. may it will prevent other military members/veterans from going through this misery.
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX I sent a dispute Certified Mail # XXXX to Experian wherein I disputed XXXX Account # XXXX date of last activity, DOFD, Payment History On XX/XX/XXXX Experian received my dispute as recorded on the return receipt. 
On XX/XX/XXXX Experian sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. 
On XX/XX/XXXX, I proceeded to access my consumer report via Experians website and make copies of the information pertaining to XXXX Account # XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. While the correspondence that was sent by Experian on XX/XX/XXXX indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 
It has been 70 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation date of XX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of XX/XX/XXXX from my Experian file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account ONLY deletion. 
Experian has 10 days from the tracked receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experians willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. 

I look forward to an amicable solution to this matter.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

My purse was stolen from my car. I immediately went to Wells Fargo to cancel all accounts and set up all new account ( this was on Tuesday XXXX XXXX ). They assured me the criminals who stole my purse would n't be able to get into the new accounts. On Thursday XXXX XXXX, we saw deposits into my account and ran straight to bank. They say there are n't sure how they got the new account #. either the teller gave it to them or this group has someone working inside the bank to help them. Friday XXXX XXXX, my account is a negative XXXX. I will be leaving work early to go again try to figure this out.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC (CA)

On XXXX/XXXX/2015 I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The letter claimed that I owed XXXX on a storage unit. I have never obtained a storage unit from this company. I called their number XXXX three times during business hours. No one answered. I left XXXX separate messages. I never received a response. On XXXX/XXXX/2015 I received a letter from a collection agency Allied Interstate. I am now in the process of disputing this charge with the collection agency. I am completely without fault. Yet, I now have to spend my time disputing these charges because XXXX XXXX has failed to do their job.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Halsted Financial Services, LLC. (FL)

On XXXX at XXXX spoke to a rep at XXXX financial services XXXX where I was told they would call my job if I did not speak to them, I then told him not to call my job. The rep intern told me I 'm to worried about them calling my job and I need to handle to issue now. I advise I do not want any calls and to send any information by mail. On XXXX at XXXX I received another call after I specifically stated not to contact me
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I was denied for a Home Retention Option due to the fact my investor does not participate in a loan modification program. XX/XX/2022, I was approved for a Trial Plan Modification. In the trial agreement it stated that I had the ability to Appeal the trial plan within the deadline. The reason I appealed the trial plan modification was because I felt there was financial information that was misunderstood that lead to a substantial increase in my payment. I spoke with a Mr. Cooper representative that advised that if we wanted our trial plan reviewed a second time to submit proper documentation and they would consider it and that the Trial Plan would not be compromised. They also stated that if my appeal was denied that we would be granted to opportunity to meet the initial trial plan offered. We went through the appeals process and Mr. Cooper acknowledged that it would take 30 days for the appeal review to be completed. XXXX XXXX XXXX we were advised that the appeal process was reviewed and that no changes were going to be made to the trial plan approval. I was also advised that the trial plan was removed before the appeal review was completed due to the fact that we did not make the trial payments even though we were told that we were not required to while in appeal review. The rep also stated that we should have been afforded the opportunity to make all trial payments but because it was already removed, that we simply just needed to re-apply. Without hesitation, we followed the representatives request to have the trial plan reactivated so that we can perform on the plan. Several submissions where sent to Mr. Coopers modification department to only be turned down over and over again with the most recent reason that my investor does not participate. 

I am not requesting nor do I need a reduction in my payment. I simply need an opportunity to retain my home. My financial information supports the ability to not only afford my current payment, but also an increased payment which would be clearly warranted and financially supported. I am requesting that the trial plan offered XX/XX/2022 is presented as we did everything that Mr. Cooper expected not realizing that exercising the right to appeal in the Trial Plan Approval would led me down a path to no opportunity to maintain my home. We were also impacted by COVID and despite advising of this, we were not granted or offered any relief.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed items on my credit on XXXX/XXXX/16 directly with TransUnion stating information was incorrect. There investigation came back that everything was verified and correct. I stated that the accounts were not mine, as I knew because the balances reflecting on my credit bureau were incorrect. TransUnion instructed me to reach out directly to creditors and file a complaint with CFPB, which I did. I have attached documentation. 

XXXX XXXX came back indicating a completely different balance than the credit report agency is showing, which supports my claim that this account on my credit report is not mine and needs to be deleted. .The account TransUnion is reporting as mine has a balance of {$11000.00}. The account XXXX XXXX has for me has a balance of {$15.00}. I submitted all this documentation over to TransUnion, to notify them I had documented proof that the account that they were reporting was not mine. Their solution was to contact XXXX XXXX and update information. 

TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) which is designed to protect the privacy of consumer report information and to guarantee that information supplied by consumer reporting agencies ( CRAs ) is as accurate as possible. I had furnished proof that the information Transunion is reporting is in accurate and they refuse to delete it. Which is a violation carries a fine up to {$3500.00} per the information I found on FTC website. 

I have attached over all the documentation I have sent to TransUnion. This situation is causing a lot of undue stress and financial hardship. XXXX XXXX sent over a letter providing me the account balance information, which does n't match anything the credit bureau is reporting. I have attached my TransUnion credit report from XXXX XXXX, so that you can see the incorrect XXXX Account that TransUnion refuses to delete.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Experian removed creditor XXXX, Acct # XXXX from my credit report XX/XX/2018, Report # XXXX. 

This item has been reinserted on my credit file with me being notified in writing of this withing 5 days violating FCRA LAW
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, ark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requires to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (TX)

Best Buy has been charging me, monthly, for a service of which I never signed up. The service is something XXXX ( taken directly from my statement ). When I called in to inquire about this charge, of which has been charged to me for the last XXXX years, they told me it was for a " geek squad insurance plan '' for my iPhone. The problem here is that I would have never agreed to insurance from Best Buy for an iPhone, as I am covered, and have been covered, from XXXX for over XXXX years for all of my cell phones. I would never have agreed to having XXXX different insurance plans for a cell phone. When I asked Best Buy to refund my money, they refused. I requested proof that I authorized the monthly charge, and they were unable to provide that, either. This was a hidden and very deceptive charge, obviously, and Best Buy needs to be held accountable. I know I should have checked my statements previously for this charge, however, the monthly amount was so small and I am on an automatic payment plan ; therefore, I did n't notice until I was looking online to determine if I purchased a warranty for another purchase from Best Buy. Bottom line, Best Buy is trying to, essentially, steal money from consumers and I feel that the CFPB should investigate this practice.
Consumer complaint received 2016-02-10
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: BorrowersFirst, Inc. (CA)

I applied for the Personal Loan two times and I was denied without getting the reason from the lender. It is the " Borrowersfirst '', who asked to provide all the verifications, and signed XXXX, then never called or sent any letter or email regarding the status of the applications. 
I have a feeling that these people are getting our confidential information and not helping us, but, who knows maybe will do bad thing to our credit.
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

This is an RV loan negotiated XX/XX/XXXX with XXXX. In XX/XX/XXXX the loan was transferred to Santander Consumer USA. The loan is at 7.25 %. We have called numerous times the latest being on XX/XX/XXXX to ask again that the loan be renegotiated to what the Nat'l average is now between 3.25-3.50 %. They have refused and just today we found out that it is because they did n't negotiate the loan in the first place. We were never told this. No other loan company will work with us either because the loan is {$100000.00} more than what the RV is worth. There are 10 years left on the loan. If we walk away from it-which we really do n't want to do-they wo n't get their monies as we are seniors living off Social Security and annuity.