davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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: Credence Resource Management, LLC (CA)

Hello, my name is XXXX, and I'm writing to ask for your assistance in contacting this company. I attempted to get in touch with them to inquire about the circumstances behind the creation of a new account in my name. It is unfortunate that this issue is now harming my credit record since it is a really severe subject. I feel terrible about it. I do not give anybody permission to use my name, date of birth, or any other information about me since doing so violates both data privacy and the law. They have to determine who really started the account in my name and then provide those details to that individual rather than transferring them to me. Could you perhaps assist me in finding a solution to this?
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I was paying HRRG the collection agency payments but turns out they are fake and XXXX are the ones that were handling my debt but they had the wrong address for me so I never received anything from them but instead I received information from HRRG
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (WV)

Company calling itself AFNI, Inc. sent me a collection notice purporting to represent XXXX. Alleged a balance due of {$1900.00}. My account with XXXX was closed in XXXX or XXXX of 2015 and paid in full. 
Company name and address : Afni, Inc. XXXX XXXX XXXX, XXXX IL XXXX Company phone : XXXX Company website : www.afnicollections.com Their letter to me included several account numbers which I will gladly provide on request.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY ()

I was living temporarily at the US and I had to open a secured card with XXXX $ to be able to contract some services in the US. They took straight away the money from my check account. When I moved to other country I cancelled the card but they said that they needed 90 days to get my money refunded in my account. After that period I checked my account balance and the money did n't appear in the account. When I contacted Wells Fargo customer service they said that they already sent a check to my address, but I was not living there any more! So they told me that I needed to receive in my new mail address an stop affidavit that I had to sign to have my money back. I never received that letter. I asked for it more than twice and it is the only international post mail that is not arriving to my new address. 
Wells Fargo refuses to give my money back despite they know that I never cashed that check. They refuse to use a certified post mail, e-mail or any other method that can ensure that the affidavit is going to arrive to my new mail address. They are literally robbing me XXXX $ because there is no way of having that money back. 
I would advice people to not open any secured card with Wells Fargo ever, they are going to lose their money. It has been more than 3 months fighting with their customer service with no resault.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I received a text message from Regions about a fraudulent charge. I confirmed I did not recognize the charge and the debit card was canceled. 

On XX/XX/XXXX I was available To follow up on the issue and try to get a new card renewed. Due to my job I was out of the counrty. XXXX XXXX services were recommended to get a temporary emergency card issued to me. 

I submitted a request with XXXX and was later informed via email that the request was denied by Regions Bank and that I should follow up with them as to why. 

Every time I called the Regions they would refuse to follow up, or elaborate as to why. They would not discuss the request even after my identity was confirmed. Multiple times they would transfer me to XXXX, who at this stage can not help me. Going as so far to lie about putting me on hold to get a supervisor to transfer me to XXXX again. The only advice they would give me is to have someone else pick up my new card out of my mailbox and ship it with their own money. 

On the third follow-up call trying to resolve this issue the customer rep pretended not to hear me and transfer me to a dead-end phone number that automatically hangs up on me. 

Their refusal to do their jobs and constant deflection has left me stranded out of the country without access to funds
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

Paid off my XXXX XXXX XXXX bill last year in XXXX, but I continue to receive phone calls asking for me to pay off a debt that I do not owe. It has also shown up in a credit report that I requested, please help.
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

On  XXXX   XXXX , I paid off my balance with Optimum Outcomes , Inc . I submitted a payment in the amount of {$460.00}, of which the account  XXXX  was included. I submitted a complaint in  XXXX , at which point  Optimum Outcomes  stated, " We have received the consumer 's accounts in our system. We have no active accounts associated with the consumer 's name and phone number. All accounts have either been returned to the original creditor per their request or are at  XXXX  balances and would have already been deleted. As of  XXXX   XXXX ,  Optimum Outcomes, Inc  is still reporting this account to   XXXX   as unpaid in the amount of {$320.00}. The account was assigned to them in  XXXX   XXXX . According to  XXXX , Optimum Outcomes , Inc,  verified that the account was accurate, how could this be the case, when in  XXXX  they said my balances were  XXXX  and I paid the balance in  XXXX   XXXX ?
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 2016-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: American Credit Resolution, Incorporated (TX)

Voice mail left using pseudo legal terms to imply that they are taking legal action. ( image of voice mail transcript attached. ) Also claiming to send a " courier '' to my place of employment clearly as a threat to cause embarrassment. 

The left the voice mail on my cellular phone without having permission to contact me via cell. 

I called them back and they refused to provide any information regarding this " debt. ''
Consumer complaint received 2016-12-18
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

A CD came due, and Wells Fargo did not send me a notice ... ..the next year they sent a letter saying the account was dormant because of no use and could go to the state if I did n't address the issue. I asked why the interest was n't considered use, and they just said it was n't. This was relayed from the CD dept. ( on the phone ) to the nice lady who was working with me in person. 

The main problem was, they did n't send a reminder before the CD came due ( my other banks would ). So, it renewed at .35 % interest rate without me knowing. I asked why they did n't send a notice, and the woman on the phone with my person just said they do n't. 

To close the account, they charged me {$47.00}, which I consider theft, since they did n't notify me about the rollover in the first place ... .also because it was probably more than what I made in interest since the rollover. 

I was there from XXXX-XXXX ... ..the branch manager and the lady who helped me were very nice.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (MD)

Citifinacial reporting false information to all XXXX credit reporting agencies twice under XXXX account # 's and never gave me the opportunity to dispute the debt before it was added to my credit reports.
Consumer complaint received 2015-09-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I was scammed from the Internet of {$40000.00} from my Former WELLS Fargo bank account including my credit Card. The bank did nothing to stop these professional scammers from taking the money out of both by checking account and credit card. They made me believe that they were putting money in my account so I could sent it to their in-need relatives in XXXX. IN reality they were removing all the money from my bank account. The bank has denied all my requests for help. Now they want me to pay them over {$10000.00} for credit transfers I did not make.
Consumer complaint received 2015-11-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

My Sears card Credit card was closed without my notification in maybe 2013 after Citibank bought out Sears cards. I learned this when I tried to use it after not using it for a while, but had been loyally paying my balance for about a year. Because I had been paying every month and not using my card, I had not been using my online account. When I began to investigate transferring my balance as a way to lower my absolutely insane interest rate, I learned that my online account was inaccessible. In addition, I have not received a paper statement from Citibank regarding this account in years, but a monthly payment continues to come out of my banking account, and the only way I know this is because somehow XXXX has access to my closed online account, and notifies me that the payment has been made. I do also get an email from Citigroup thanking me for my payment ( which is, every month, just about the interest that has been tacked on that month ). Every time I have tried to gain access to this online account to see Citibank 's activity in my account ( to see any statement, of any sort ) I have had to have an hour-long phone conversation, where I am asked for my account number, which I have not had access to in years. Then, even upon supplying my social security number, no one who is transferred my call is able to even find my account based on my name, previous addresses, SS number, and last XXXX digits of the account number. Which leaves me to wonder, now that I have paid more than then entire current balance to Citigroup over JUST the past TWO years of about four or more years of payments, why I am still paying an account that no one can find? Additionally, I have been told that legally I am not allowed to access an online account because the credit card account was closed ( by Citigroup, without my notification ). PLEASE help. I ca n't afford to keep paying them hundreds of dollars a month but I have trying to slowly rebuild my credit for years so I also ca n't afford to stop paying them.
Consumer complaint received 2022-09-07
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. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.18 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (TX)

I am still missing last months payment from XXXX i made a {$1300.00} dollar payment and the mortgage company has yet to apply it on my end the bank statement shows they took the money so i want to know where my money went and is this gon na happen every month i make a payment one is gon na get lost.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

My Husband and I received our XXXX Form from Wells Fargo Bank N.A . 
for our mortgage loan # XXXX and the Outstanding Mortgage Principal is off by {$3800.00} ( the principal payments made in XX/XX/2016 ). 
I checked our amortization sheet and the Wells Fargo Statement for the year end amount, in XX/XX/XXXX, which is {$110000.00}, NOT $ XXXX Thank you for helping us to rectify this error. 
XXXX & XXXX
Consumer complaint received 2015-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmerAssist A/R Solutions, Inc. (FL)

A Debt collector has placed a collections account on my credit report for a debt that was incurred by a deceased relative. I did not cosign on the account nor am I the executor of the deceased estate. The original creditor claims that they have a recording of a telephone conversation with me that gives them the right to do this. However, they will not give me any information. I have two issures with this : 1 ) I question the legality of this practice, and ( 2 ), I am certain that recording any such conversation without my consent IS A FELONY in my state.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I have applied for assistance due to loss of income multiple times since XXXX. I keep getting denied. I received a notice.of default XX/XX/XXXX. Covid hit and I entered info Forbearance around XX/XX/XXXX for XXXX  months. In XX/XX/XXXX I submitted another request for assistance and was offered several options after Forbearance. I was told I would receive paperwork to sign. In XXXX I still hadn't received the paperwork and called the bank and was told I had new options available. I requested loan mod and partial claim with limited documentation. 
I submitted what was requested and waited. I was asked different letters and statements which i supplied. I kept calling for status updates and was told it was in review. I called XX/XX/XXXX and was told they were waiting for documentation from me, which I supplied on the XXXX and the website stated that I submitted everything. The rep said she would submit back to underwriting. I explained that I was already offered options and was waiting for documents to sign. 
In XXXX I received a denial letter and was told to apply again and i would recieve a packet on the mail. Then XX/XX/XXXX i received a notice stating that my application was closed due to an incomplete application This has been the cycle since XXXX. It took them almost 2 years of missed payments before filing the NOD. 

I.want to keep my house. I dont understand why I keep applying and get denied. Now for public record against me.which is the NOD.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

my account is not being reported 100 % accurate under the 15 USC 1681e ( b ). The furnish name is US BANKRUPTCY COURT I have recently spoken with bankruptcy courts and they stated they never deal with credit bureaus under no circumstances so I don't understand where they obtained the information
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I filed for Bankruptcy last year because of covid and I not being able to pay my bills. I was finally able to get a job, but I am still trying to survive. I asked for a covid forbearance and they will not give me one. I only used one month of the covid forbearance. The other was for me filing bk.
Consumer complaint received 2021-06-06
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. (FL)

On XX/XX/21 I sent a letter to Experian about professional finance account I never received a letter about this account. Fcra indicates if company doesnt respond in 30 days accounts should be deleted the certified receipt # XXXX
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

They want to charge two people for same amount and its not the right amount because they are overcharged us. We had never been served. We dont own that amount of money. {$4800.00} total {$9000.00} on XX/XX/2016. XXXXXXXX XXXX is taking care of it. The company name is XXXX at the links but the collection company now is Fair Collection outstanding company.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

Received XXXX Mortgage statement from Chase and saw that they charged my escrow account {$1000.00} on XX/XX/XXXX for XXXX insurance. I have the required building and hazard insurance, as well as my owner 's policy. I never signed up for XXXX insurance, was never notified I needed it, and certainly never authorized Chase to charge my escrow account for it. I contacted Chase customer service at XXXX and they spoke to their insurance department at XXXX XXXX. They agreed I did not need the insurance and said they would remove. They provided confirmation # XXXX and said I would receive written confirmation in the mail. I never received and then received an escrow analysis that my monthly payment would be increasing on XX/XX/XXXX to cover the XXXX insurance. I contacted Chase again on XXXX and they said it was still pending, but that they updated the pending status and that my escrow account should be credited within a few days and that I should call back to order another escrow analysis, which will correct my payment. I contacted Chase again on XXXX and the credit was still not provided and they hung up on me. How many people are they doing this to? They had no authorization whatsoever to charge me for this.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outragous amount of accounts that have been open or are ope. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BNKRUPTCY DISSMISSED
Consumer complaint received 2024-02-16
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. (AZ)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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.