davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (CA)

Bank increased my interest rate far beyond my ability to pay despite a spotless credit history. Though I do not know the legal definitions of USURY and I must assume that the bank is operating within the confines of the law, the spirit of the law has been clearly broken since the practice is purely predatory and without provocation.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I logged onto my Citibank account and sent a secure email message to their live chat representative asking for a payoff on my closed card. I had no response so I called Citibank customer service XXXX requesting a payoff on my closed credit card ending in XXXX. 

The woman I spoke with laughed and said she can tell me only what she sees but can not make those authorizations. I asked for a manager or supervisor and she responded " They'll say the same thing I did ''. I asked her what happens when I pay off the account and if it will be closed permanently. She said " well its already closed so I don't know what you're talking about. '' She was pretty condescending. She ended with saying that she can not promise a payoff and still did not want to transfer me to a supervisor or manager. I have decided to reach out to your corporate office to assist. 

I sent an email to the Citibank Corporate office to : XXXX XXXX, XXXX. I then received a call from XXXX at the Citi Executive offices on XX/XX/XXXX from XXXX XXXX XXXX XXXX to discuss this. I asked for a payoff several times. I was never given an actual payoff and he only read what was the full balance on line which was {$3500.00}. He explained that it should be fine but he can not tell. I asked why I cant get a formal payoff after I requested it. I explained that I asked several time to the customer service rep and she basically denied my payoff request by not giving me a dollar amount. XXXX could not locate this conversation. I asked if this would be paid in full and he said yes but if it shows a few dollars of fees on the next statement he would write it off. 

On XX/XX/XXXX I paid the balance in full and was displayed a XXXX  balance. From that point I did not hear from Citi. My due date was showing XX/XX/XXXX so this was considerably before that due date. 

Today, XX/XX/XXXX I received a statement from Citibank for {$2.00}. This is ridiculous because I paid the balance in full, Citi denied me a payoff quote after several verbal requests and one written request on line. At this point this should be a XXXX  balance.
Consumer complaint received 2016-09-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I have been trying to get a hamp loan they help one time and things got bad again. So I tried again and Wells Fargo rep told me to leave if I could not afford the house I have been never had a problem till the bottom of the economy crashed and then everything went bad. The lady at Wells Fargo went up 10 yrs and raised my rate. And it has killed me. So I called XXXX and they put on hold for 14 months and no help.Now I am in chapter XXXX and no one will help me. If I have a short sale they will loose XXXX XXXX dollars because I am under water bad and the house needs some repairs., They rather loose that money than give me a lower rate. I have used almost all my 401 k to survive and my has been XXXX with XXXX XXXX and my life has been turned upside down all I wanted was some help.
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo continues to be a predatory company charging insane overdraft fees and manipulating data in order to continue charging fee after fee. They say they will only charge XXXX fees a day, so they will not post transactions until the next day in order to be able to charge extra fees. They will post debit transactions next day, in order to gain those fees. They will change the wording of card swipe transactions to say " reoccurring '' in order to get around the fact that you have opted out of overdraft protection. I am completely stuck and have been charged XXXX in overdraft fees in a weeks time. I have asked nicely for some fees to be refunded but they refuse. I have opted out of allowing them to cover my charges so that I do n't have to pay the overdraft amount, plus the fee, but there is nothing I can do to stop them.
Consumer complaint received 2017-03-10
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX I purchased a condo which I mortgaged through Wells Fargo Bank. I took out a second ( equity line of credit ) with WFB as well, as part of the purchase. I already owned a home in another town which I planned to sell. The economy tanked and I could n't sell the other house. I used up all of my savings because I did n't want to default on anything as I was trying to figure out what to do, but right before I ran out of money I was advised by an attorney to file for Chapter XXXX bankruptcy. I lost the home, but I kept the condo and have paid both the mortgage and equity line-of-credit on time, and usually paid more than the required payments. Now I am trying to refinance my condo and find that WFB recently reported me to XXXX as a new bankruptcy! Therefore, I can not refinance my loan! I called XXXX and told them the bankruptcy was not right, that it had been discharged in XXXX, and that I have paid every payment on both loans for the past 9 years. They said I have to work it out with Wells Fargo. I have called Wells Fargo XXXX separate times and each time I 'm handed from person to person. First they told me they could n't do anything and I had to call XXXX. Then another person told me they do n't report anything to the credit agencies, which is a lie. She said they could n't do anything. The mortgage broker who I 'm trying to refinance with told me this bankruptcy from Wells Fargo shows on my credit report as a NEW bankruptcy, reported by Wells Fargo Bank as of XX/XX/XXXX. I finally got through to someone else the other night at Wells Fargo who said he would pass it on to the proper department, which meant I might hear from someone in 24-48 hours. Today ( almost 48 hrs later ) a man named XXXX called me and said he would look into it, and that it would take about 10 days. I 'm so upset, because I do NOT have a new Bankruptcy! I have paid all my payments on time, usually early, to all my creditors, and all I want to do is refinance my home loan to get out of the 'interest only ' loans I was sold by WFB. I 'm so stressed out I ca n't sleep. I just keep getting passed from person to person, told they ca n't do anything but will look into it .... I do n't know what to do. I can not get a new loan becaue XXXX tells the new loan company that I am a bad risk! I need Wells Fargo to remove that Lie from all credit reporting agencies! Please help me.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C (TN)

On XX/XX/XXXX, I called Stenger & Stenger because I had agreed with them in XX/XX/XXXX to pay $ XXXX until I reached my settlement amount of {$2400.00}. When I called today to verify that I've met my duty to pay off the debt, I was told that I still owed about {$1200.00} because I didn't pay in XX/XX/XXXX, and that my settlement was nullified. I told the representative that yes, I had made my payment ; however, their system canceled my payment. When I discovered this was the case around XX/XX/XXXX, I called Stenger & Stenger immediately to address the canceled payment. There was no reason for my payment to have been canceled as I used a debit card to make my payment, and it would have declined my transaction if I didn't have enough funds or the transaction or I would've had a general decline response. I was told at the time that there was a cease and desist order on my account, and I was asked if I wanted it removed because the company technically couldn't talk to me because of this being on the account. I stated at that time I wanted the order removed; however, I discovered today it was still present on my account, and my request for removal from about XX/XX/XXXX was not honored. 

After the interactions from today, I firmly believe that Stenger & Stenger will purposefully mislead individuals into agreements to pay off debts for lesser amounts ; however, they will fraudulently find any way not to honor their contract. This is evidenced by no one contacting me about my payment cancellation due tol this supposed cease and desist order on my account. Furthermore, I believe they knowingly and fraudulently canceled my payment without my knowledge, so they could collect the total amount, which I will not do as I adhered to my portion of the agreement. I even have proof of payment from XX/XX/XXXX, with a confirmation number of the payment being made. 

If the demand of honoring my agreement is not upheld, I will contact my lawyer and I will sue for damages because of their fraudulent tactics.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

My secured credit card with Wells Fargo account number XXXX, is definitely reporting wrong after months and months of trying to get this rectified. ON XXXX they are reporting me as being 30 days late in XX/XX/2018 and XX/XX/2018, as well as being 60 days late in XX/XX/2018 and 90 days late on XX/XX/2018. 

But then on XXXX  and XXXX, they are reporting me 30 days late inXX/XX/XXXX 60 days late in XX/XX/2018 and 90 days late in XX/XX/2018. 

XXXX even shows 30 days late in XX/XX/2018. 

But if you look at the screenshot of my credit report, they all say dispute resolved, customer disagrees but they didn't change anything. 

Which means that a real investigation never took place.
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I have been working with a client beginning back in XX/XX/XXXX. He was finally approved a trial loan mod in XX/XX/XXXX. The first pymnt wld be due on XX/XX/XXXX - XX/XX/XXXX. His new payment wld be {$500.00} down frm {$650.00} originally. XXXX XXXX is XXXX and only has XXXX XXXX for income. The same month he was given the trial mod ; he got hit with a child support garnishment from XXXX and they garnished {$360.00} from his XXXX of {$970.00} leaving him with only {$610.00} to live on. There was no way he could make the {$500.00} payment at this point ; so he turned down the offer. XXXX XXXX appealed to XXXX and they reduced the garnishment down to {$75.00} a month. By the time this appeal was completed and the garnishment was taken care of it was too late to appeal and ask them to go ahead with the original loan mod. So they made us reapply and subsequently they turned him down stating he did not have sufficient income to make the original trial payment that was offered to him. There was only a {$75.00} difference in the income once the child support issue was taken care of from the original income submitted for the loan mod request. They denied him XXXX additional times, stating he did n't have enough income to qualify then said the final time nothing had changed since the prior denial so they would not look at him for a second change Hamp Tier II ... This situation was totally out of his control and he was blind-sided by the child support. If thy could approve him once for {$500.00} why can they not offer it to him again. The {$75.00} difference would not have kept him making this payment.
Consumer complaint received 2015-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

I have received at least XXXX phone calls from a company with the phone XXXX XXXX. The company said they are a non attorney office of lawyers. Each time they call I have asked for verification of the loan and have never received. This time they said there was an arrest warrant for my arrest or they were filing for it.I am sorry I do n't remember which XXXX as I have XXXX. It was threatening and as always I asked for verification as I felt the loan was paid. They also stated they showed that verification was asked for in XXXX of 2014 but they asked for it since it was just transferred to them. This was a lie as I have XXXX XXXX the number each time and it has been the same agency each call. I want the verification and the threatening to stop.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-29
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: PENTAGON FEDERAL CREDIT UNION (TX)

I applied for a loan with pen fed credit union they said that I had XXXX score I checked my score is XXXX and I can prove it so I feel they slandered my name and they should be held accountable in my eyes for slander and the unfair loan act if you have any more? please let me know XXXX XXXX XXXX
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (AZ)

XXXX hospital sent my bill ( {$570.00} ) to " Health care collections '' in XXXX, Az. " Health care collections '' sent me a pile of letters stating I owe them. I called the XXXX hospital and asked why they sent my hospital bills to a collection agency. The hospital said their was no problem with my bill, and that the monthly payments were in good standings. So I asked if I could pay the hospital my bill in full and they said " Yes ''. Which is what I did, then I sent " Health care collections '' their bills back. But every since I did this " Health care collections '' started calling me at least daily, Then weekly. When I finally after many call from them picked up the phone to talk to them they hung up. This has been going on now since XX/XX/XXXX. 
I did call " Health care collections '' directly and complained about their tactics calling on me, but this rude guy told me I had better get my facts straight! I refuse to answer these calls, but enough is enough!
Consumer complaint received 2019-02-26
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. (CA)

I have disputed this account, filed a police report, and also submitted a FTC complaint. 
Upon reviewing my credit report in XX/XX/XXXX I noticed six separate fraudulent accounts ranging from credits cards to loans. I have been successful in removing some items but I continue to see an item show even after my repair attempts. Account in question : XXXX XXXX XXXX XXXX Account # : XXXX, opened on XX/XX/XXXX, with a credit limit of {$15000.00}. The account showed closed XX/XX/XXXX with a high balance of {$15000.00}. I have not nor have I ever gave anyone permission to use my information to open any lines off credit, credit cards, or open any loans. 
I also seen 3 inquiries that I have not authorized on my XXXX report. 
1. XXXX XXXX XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX I have not applied for credit with any of these companies.
Consumer complaint received 2015-06-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings (AL)

This Company is reporting that I Obtained a Payday Loan from them. I have advised that I have never received a payday loan from their company and that I was a victim of identity theft. I have requested legal documents like a contract that should be in place if I did such a thing. The company will not respond to me nor verify an information regarding this supposed loan. I have disputed with all XXXX major credit bureaus several times and they keep telling me the company verified.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$2400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-05
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (AZ)

Originally, green tree servicing llc granted me a {$29000.00} loan for a pool at my residence. In order for me to qualify, the representative of the company inflated my annual income by nearly XXXX %. My income was approximately {$34000.00} per year and to make the loan work, he reported it at $ XXXX as memory serves. I was a single father at the time, stuck in a terrible adjustable rate mortgage, receiving no child support and working XXXX jobs. There was no way I should have been qualified for the loan. Yet Green Tree found a way for XXXX XXXX, who has since gone under, to put a nearly {$30000.00} pool in my now foreclosed on home. 
Since my foreclosure, I have remarried and after being served collection papers from a law firm that Green Tree apparently sold my loan to, I reached a settlement with the law firm to repay half the remaining balance, just over {$14000.00}. They worked with me and put me on a manageable payment plan that was scheduled to be fulfilled in XXXX 2016. However, with tax returns and yearly bonuses my wife and I were able to pay the balance earlier this year and it is my understanding this debt has been satisfied. 
Now I receive a notice in the mail that is a letter informing me that 'Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. ' This was received from Green Tree Servicing of XXXX, Arizona. This letter not only rekindles the sour taste I have from ever being qualified for a loan they had no business issuing, but also leads me to believe that they still have this loan as an active debt. Frankly I am hesitant to contact these people to find out what is going on because I simply have no trust in them, and I worry they may try to collect further, even after our settlement. 
I decided to write to the CFPB because they provided your website as an avenue to report shady collection practices. I feel everything this company has done has been shady and feel it is my right to inform your offices of my situation.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (IA)

I have been making my monthly payments on my American Express credit card on time every month I have 3 interest rates of the lowest being XXXX and the next of XXXX and the highest of XXXX. Each moth of making payments they have been taking the payment off the lowest interest rate and not on the highest rates. They keep adding interest each month to the highest rate and the balance is never going down. I have been told several way by American express representatives one tells me the monthly payment comes off the lowest rate first and then off the lowest an other tells me the opposite. I can in no way get anybody from American express to tell me what % of payment comes off each rate balance.I have one tell me that anything over the minimum payment come off the highest rate balance and that has turned out to not be true.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

XXXX has reported XXXX late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with equifax and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the XXXX late payment entry that are reporting incorrectly removed.