davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NV)

Hello, I opened a landscaping credit account with Wells Fargo Outdoor solution in XXXX of XXXX. My account has a no interest if paid in full by XX/XX/XXXX clause. After the landscaping was installed, I immediately set up auto payment with my bank to ensure the final payment would be made on XX/XX/XXXX with the first payment submitted on XX/XX/XXXX. Payments were made like clockwork on the XXXX of every month thereafter. I did not check my account again until XX/XX/XXXX when I noticed every month I was receiving a late fee and interest. I immediately called Wells Fargo and they indicated that because I made my payment every month one day prior to the billing cycle opening date every payment is considered late. At that point they agreed to remove all late fees and interest due to the fact I was unaware my payments were being made early. I then moved my payment date forward with my bank to avoid the same issue moving forward. I have since been checking my account every month to ensure the fees have been removed. It is now XXXX XXXX and some of my fees have been removed but there is still a fee balance of {$210.00}. I have made 3 additional calls to Wells Fargo pleading my case but I am now running into road blocks and my feeling is that Wells Fargo no longer intends to work with me. I explained to the bank that from my history it should be pretty obvious that I am not trying to game the system here and I should not be penalized for making my payments early every month. Thank you in advance for your help. XXXX XXXX
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX was paid on time over phone ( see letter where they gave me a payment confirmation No as receipt of payment with date time and name of the officer mentioned in the letter ) and two checks were sent to them in which were left uncashed. 
They put a 30 days late in XX/XX/2019 on my personal redit report with all three credit reporting agencies EQUIFAX, XXXX AND XXXX
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I had 3 credit cards with Chase Card Services for several years. On one occasion it happened with 1 credit card that my payment got rejected by my bank where I had the checking account because of insufficient funds. Chase than made it impossible for me tomake payments on this one card in the future online. ( although I had paid off all the other credit cards and the balance there is XXXX now. ) I contacted Chase several times online but they never answered. They charged me late fees and interest and reported this negatively to XXXX, although I would have been able and willing to make payments on a regular basis.

I finally wrote them a certified letter return receipt requested ( asking them to make it possible for me again to pay the credit card electronically and take the late charges and interest and not to report the payments as late ) which they received on XX/XX/2018. They were however totally uncooperative and claimed they never received my e-mails, which is weird because I send them several. They also claimed that they sent me a letter telling me that I could no longer make electronic payments. I certify however that I never received such a letter.

I have to tell you that it was not the first time that I have problems with Chase .They caused problems 10 years ago too and only gave in when I contacted the office of the Comptroller of the Currency at this time.

Furthermore I had overpaid one credit card and they did not pay me back for 8 weeks until I told them to do so by certified mail.

Also they made a wrong report with XXXX reporting a credit card with a cc number as late, this is a cc number which I never had.

Please intervene.

If you need additional information please contact me at XXXX or XXXX Thank you for your attention in this matter.

XXXX XXXX
Consumer complaint received 2022-09-12
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXXXXXX Balance Owed : {$3600.00}
Consumer complaint received 2018-02-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Ocwen loan servicing is running a unorganized white collar crime operation using forgery and fraud, malicious threats, violations, so-called prior XXXX XXXX XXXX increased loan modifications with my forged signature and initials, manufactured documents, rubber stamping, violations of notary laws, void assignment, manufactured note, intentionally waiting out statues, slander of title, credit reporting violations, prior manufactured force place insurance policies, false principal balance, false payment history, and then cozied up with corrupt fraudulent cozy XXXX and XXXX XXXX XXXX XXXX using insider relationship using robo authorized agents and crooked lawyers who commit fraud claiming to have looked at all the manufactured documents having personal knowledge assisting cozy pretender lender loan servicer can embezzle my property I own free and clear so the pretender lender loan servicer to temporally increase its revenue. I sent crooked young shady lawyer XXXX XXXX many emails requesting loss mitigation options because I am unable to communicate with fraudulent troubled white collar crime incompetent Ocwen Loan Servicing. XXXX XXXX intentionally failed to respond to my many request for mitigation option to avoid fraudulent trustee sale only to help his white collar crime client embezzle my property I own free and clear. The authorities are involved in my matter as we speak. The pretender lender loan servicer slandered my title once again recording another fraudulent notice of sale. Due to the fact that shady XXXX XXXX XXXX intentionally recorded fraudulent trustee sale on my birthday and crooked lawyer failed to respond to my many requests for assistance to avoid fraudulent sale, I am forced to litigate my matter in bankruptcy court.
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with Account Number XXXX and a Balance of {$68.00} was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime (GA)

I filled out application for apartment. I was denied lease due to alert on from consumer report. The alert stated : Inquiry information matched potential fraud ID data- credit file is unavailable. Please have applicant contact XXXX at XXXX. I spoke to XXXX representative and was told that there are 18 inquiries on my account. I need to dispute the inquiries that are showing.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA CHARGE OFF ACCOUNT DID NOT REMOVE FROM ALL 3 CREDIT BUREAUS CHARGE OFF STILL REPORTS VIOLATING MY CONSUMER RIGHTS ERRONEOUS REPORTING BY ALL 3 CREDIT BUREAUS.
Consumer complaint received 2018-06-20
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

XXXX of 2018, I came into XXXX Toyota in XXXX XXXX, TX to look at a vehicle for my mother XXXX XXXX and I. I had a approved loan from my lender XXXX and I had requested the salesman and finance manager that I did not want to have my credit pulled. I come to find my credit was pulled by 5 creditors including TFS. I escalated to XXXX and was advised to dispute directly with the creditor. I also have a text message that states I had advised him to make sure no credit is pulled as I am on my way to the dealership and he complied. Please see attached for the complaint to XXXX.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC (NY)

I contact reflex credit card and let them know that I was no longer working and I applied for unemployment. 
Unemployment still never paid me because DMV put my numbers in wrong and I have an appointment on the XXXX day of XXXX to correct my driver 's license. 
I notified reflex credit card and told them I'm still waiting for unemployment and I still didn't receive it then they made an agreement with me to pay {$310.00} on the XXXX day of XXXX for a {$500.00} credit limit card I paid the {$310.00}, they promised to restore my account and to date they still have not restored my online account privilege. 
I want them to stop lying to the customer to get what they want and then they didn't but they didn't answer the phone when XXXX from customer service called them more than 5 times 2 ask why didn't they reinstate My account.
Consumer complaint received 2020-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I have an FHA, federal government mortgage, which Carrington is the administrator on. Under the CARES ACT Carrington is delaying my mortgage for three months. At the end of three months Carrington states I will need to re apply. Due to my client base not paying me now I am having trouble paying the mortgage. With a government backed mortgage I am requesting that the missed payments, up to 12, be applied to the back of the loan extending the loan for an additional 12 months. This would include all escrow amounts including pmi, insurance, and property taxes. 
Carrington has refused to follow the Cares Act for government backed mortgages. I received an invoice today listing last months payment as over due and that I need to pay two mortgage payments by XX/XX/XXXX. This is even with their letter stating my mortgage was under the forbearance provisions of the CARES ACT. 
Only with a conventional loan, not a government backed mortgage can Carrington force me to pay a lump sum at the end of the forbearance period. Carrington is in violation of the CARES ACT for government backed mortgages. 
Please assist. 
Thanks, XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MO)

Around XX/XX/2015 I went to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, IL to look at engagement rings. A young XXXX haired woman assisted me and asked if she could run my credit score to see how much I could be approved for a loan. After coming back she told me I had great credit and she opened a XXXX XXXX credit card in my name without authorization.
Consumer complaint received 2017-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I called Wells Fargo to see if they could terminate my PMI. They said it 's not PMI, it 's actually mortgage insurance ( which is technically different ). I 'm past the 80 % loan-to-value, but they said there 's a requirement to have the mortgage insurance for a minimum of 5 years, so they ca n't terminate it. Is that correct? Also, this loan was a refinance of a loan with Wells Fargo. I asked if they could give me credit against the original loan ( which was in 2010 ), but they said no. It 's all due to investor guidelines, and they do n't have the option to waive the mortgage insurance. Is that correct? The loan officer at Wells Fargo told me that he could n't do this loan if it was n't to my advantage. But I did n't know I 'd have to restart the clock on this expensive mortgage insurance! It 's over $ XXXX/month for 5 years.
Consumer complaint received 2017-07-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BWW Law Group, LLC (MD)

BWW Law Group representing XXXX XXXX XXXX has continue to make false statements in reference to a court case involving the property XXXX XXXX XXXX XXXX. See complaint # XXXX The judge never ruled on the Fair Debt Collection Practices. BWW Has continued to violate Fair Debt Collection Practices 807, 809 and 814. The judges ruling is only pertaining to an affidavit not debt collection practices. I am requesting that Consumer Financial look at the documents and due diligence in holding BWW Law Group accountable for the debt collection practices of this law firm.
Consumer complaint received 2017-02-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (FL)

We were going to get a loan through Freedom Mortgage, but after dealing with them and reading all the information from BBB and Consumer Financial Protection Bureau reviews we decided not to go with them.  After we told them no, the mortgage agent just kept going and it turned into a living nightmare for us.  The phone calls and emails became so crude and nasty we decided this was not for us.  We told them to stop the loan Saturday XX/XX/2017 in and email and the loan officer refused our request.  They continued to process the loan and connect us with closing on XX/XX/2017 through another email.  If you are considering these people run the other way, read every thing you can on them, protect yourself and your family home. They have so many complaints against them and call the BBB, Consumer Financial Protection Bureau, and read their reviews and findings.  Don't take my word take theirs. Threatening us if we file a complaint, they will sue.  Don't threaten me!  Last time I checked this is a freedom of speech country and we are entitle to our opinions, especially if it is to protect others.
Consumer complaint received 2020-07-16
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: EQUIFAX, INC. (TX)

I have submitted at least four different disputes to Equifax on the same three accounts and each time Equifax has responded stating that the three accounts have been verified. Equifax has failed to provide a detailed statement of how its investigation of my disputes were conducted and Equifax continues to report the three disputed accounts. I have no idea when Equifax made contact with the reporter of the three accounts. I have no idea how Equifax contacted the reporter of three disputed accounts. I have no idea of whom Equifax corresponded when it communicated with the reporter of the three disputed accounts to verify the information. Equifax is in violation of the Fair Credit Reporting Act because on at least four different disputes on the same three accounts, Equifax has refused to provide specific information on how it verified the accounts and Equifax is still reporting the three disputed accounts. I have had to have a lawyer to file a small claims lawsuit against Equifax. The case number is XXXX in the XXXX County Justice Court, Precinct XXXX, Place XXXX, XXXX County, Texas. My lawyer has has even reached out to Equifax 's lawyer and offered to dismiss the lawsuit if Equifax agreed to remove the three disputed accounts from my Equifax credit file.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Associated Credit Services, Inc. (OH)

I got an alert on XX/XX/2020, that Assoc Credit Services ( original creditor XXXX XXXX XXXX XXXX ) was in collections. I was so confused, I've never heard of this collection company. No one has called me from their company, I received no letters this just randomly appeared on my credit file. The very next day XX/XX/2020 I received another alert saying the debt was paid in full and the balance was showing {$0.00}. Ive called the number listed I was just put on hold multiple times. My final bill from the XXXX XXXX was paid DIRECTLY to them on XX/XX/2020. So of course the balance was {$0.00} I never owed them in the first place! Assoc. Credit Services had no right to report anything to my credit file since they saw that it was paid through the original debtor. This had NOTHING to do with them. The debt was paid and handled directly with XXXX XXXX XXXX. I am attaching that original receipt.
Consumer complaint received 2018-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX XXXX on XX/XX/2018 to make an inquiry for account # XXXX ( XXXX XXXX   XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a XXXX XXXX   representative to obtain information on the account and was informed that no information was found for account. XXXX XXXX indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found. 

I mailed a letter to XXXX XXXX  on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate XXXX XXXX XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper verification '.
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I am filing this complaint against Chase Bank. On XX/XX/XXXX I filed a dispute for charges on my Chase debit card due to services not rendered. I began a payment plan for a trip that was scheduled from XX/XX/XXXX to XX/XX/XXXX. The trip was canceled by the provider XXXX XXXX XXXX. I did not cancel the trip. I made the following payments XX/XX/XXXX ( {$190.00} XXXX, XX/XX/XXXX XXXX {$850.00} XXXX, XX/XX/XXXX XXXX {$850.00} XXXX, XX/XX/XXXX ( {$850.00} XXXX, XX/XX/XXXX ( {$850.00} XXXX and XX/XX/XXXX XXXX {$850.00} XXXX. I explained to Chase rep that i was on a payment plan for this trip and that it had been canceled by XXXX. I can not contact XXXX because they paused all operations on XX/XX/XXXX as per the email they provided it also stated to contact the card issuing bank for refund, which i did. I did not recieve the service i was paying for. Chase stated that they had 60 day liability, which is unacceptable especially during this time of a pandemic and i did not recieve the service. I am requesting a full refund for services i did not recieve.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/2020 my bank account was hacked at XXXX XXXX XXXX Even though I have never done large transactions in my life. The bank failed to noticed that in that month over {$10000.00} dollars was removed without my consent and knowledge. I tried calling the fraud department and the told me since my name was used, they assumed it was me. No restriction was put no call was made to me to see if indeed it was me making those transactions.
Consumer complaint received 2018-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Trying to collect a debt that they could not verify the debt. They sent me a credit card bill no signature on the verification letter. The dates are wrong on the debt the original creditor doesn't exist anymore. The debt is over 7 years old it shouldn't be in my credit reports. 
I sent all the documents to a attorney he told me it shouldn't be on my credit reports but it is. I contacted them numerous times and getting the run-around. 
Portfolio recovery services XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

My PayPal account was permanently limted 6 months ago paypal said to me that I would recive my money within 180 days it has now been 184 days and they just give new excuses every single day I are tried many times with them but nothing works they just keep lying to them My PayPal email adress is XXXX XXXX
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This is an amended complaint to an already file one # XXXX. The only addition is CMC Funding communication of me still trying to get my {$4000.00} credit back into my account and now they say they're sending a check and I continue to be strung along. Can someone bring legal action to these scammers or clowns?