davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CA)

The " Manage Alerts '' settings on my student loan account has been set to inform me via email 3 days before the payment is due since I got my student loan. I have searched my emails and I have never got any emails from Wells Fargo prior to a payment. Wells Fargo has sent me emails when my student loan payment was past due, yet I never opted to receive them in my " Manage Alerts '' settings nor is there such option to receive such emails. 

Wells Fargo froze my online banking access for a long period of time and did not inform me of doing so. The site just prompted me to verify a code that they sent to my old phone number that I no longer had access to. The first time I called about it, they told me that they changed the password requirements and that, when I asked what the new requirements were, my old password met all the " new '' requirements ; they did not have an answer for this. I then updated my phone number with them, verified that the number was correct on my online banking account, and tried to login but I never received the verification code text message upon requesting one several times. I called a second time, they told me that the reason I could not login was because they froze my online banking access due to inactivity ( which I may point out is a entirely different reason than changing password requirements ). 

Next, I called student loans. I told them of this situation and I asked them to remove all late fees during the period of time of freezing my account. They told me they would remove two and then proceeded only removed one late fee. 

In conclusion, Wells Fargo prevented me from accessing online banking for several months without notice, has failed to inform me of my upcoming payments despite the fact that I specifically have my settings from them to do so, has sent me emails on past due balances that I did not request nor does Wells Fargo have my consent to send, lied to me about the amount of late fees they would remove from my account, and, therefore, have charged me late fees/claimed interest for a loan in which they have failed to follow the agreement, between myself and Wells Fargo, to : provide me access to online banking, provide me with the ability to pay my loan through online payments, inform me of changes made to my online banking account and its policies electronically, and provide me with accurate/true information from their customer service representatives as well through their online banking service. 

Attachments : wfevi = screenshot from wells fargo online banking showing that I had opted to receive emails 3 days prior to when each payment is due.
Screenshot = inbox search for " wells fargo student loan '' with no emails for payment due in 3 days. Just late payment due emails. 

Evidence for other claims can be provided upon your request.
Consumer complaint received 2023-01-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

XXXX XXXX took over my mortgage in XX/XX/XXXX. From that time I have made multiple payments in a month based off of my paycheck deposits. Each month XXXX has held these partial payments in a suspense account until the full mortgage payment has been accumulated. They then have applied it to the next months mortgage payment as intended. XXXX did this up until XX/XX/XXXX when they decided to arbitrairly to take the first payment I made of XXXX and apply it to principal only. This has caused me to now be a payment short in which they are stating they will charge me a late fee. On XX/XX/XXXX I called XXXX Customer service and was rudely told that " XXXX does not accept partial payments and that I should make a full payment! '' The customer service representiative did say " I will request that the funds that where incorrectly applied to principal be reallocated to your normal payment but this would take XXXX XXXX and in the mean time I should make a full payment at the end of the month and that any negative credit bureau reporting or late fees would be reversed '' But according to their mortgage statement what I have been doing is acceptable and explained on the XXXX Mortgage statement as copied here : " Partial Payment Policy Any partial payments that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' I have downloaded my payment history from XX/XX/XXXX to present from the XXXX XXXX website documenting this process of me making a partial payment and XXXX keeping it in a " Suspense Account '' until the upcoming first of the next month as proof of this being something XXXX has been doing. Now XXXX has taken XXXX of these payments and applied it directly to principal which was not requested by me. I have attached a pdf printout of my payment history directly from XXXX 's website as doucmented proof.
Consumer complaint received 2021-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Certified mailing was sent to Midland and dated XX/XX/2021 requesting that they verity the debt and the requested information requested to verify the debt was never received from Midland and then I noticed when pulling my credit report in XX/XX/2021, Midland had placed the UNVERIFIED and INACCURATE account information on all 3 of my credit report. 
( Please see a copy of certified letter send to Midland requesting that they verify the debit. 
( Please see a copy of printout from USPS showing that Midland received the certified letter requesting the verification of the debt )
Consumer complaint received 2020-11-04
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: EQUIFAX, INC. (NJ)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XXXX  to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: THRIVE MORTGAGE, LLC (TX)

My Closing was rescheduled from XX/XX/XXXX, to take place this afternoon at XXXX XXXX CST on the purchase of my home. I reached out to Thrive Mortgage, who is the Lender for this transaction, and requested a copy of my Final Closing Disclosure so that I know how much funds I'm required to bring to Closing. I've requested this information since yesterday and I followed up this morning, XX/XX/XXXX, and they have not responded. Per TRID regulations, they are required to disclose any changes made to the loan within 3 days and they have not done so.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I 've previously disputed two charges on my Capital One Credit Card in the amounts of XXXX and XXXX for merchandise I never received and I was assured by Capital One that the problem would be resolved. It 's been several weeks and the problem still persists and I 'm being rebilled for merchandise I never received. This is very disturbing and I want the matter resolved immediately. Thank You.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bison Recovery Group, Inc. (TX)

I have received several calls from XXXX with BRG. She informed me that it was for my XXXX XXXX account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her supervisor XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Penn Credit Corporation (FL)

on XXXX XXXX I call XXXX XXXX XXXX. I paid a collection XXXX. XXXX XXXX i dint reconize this account but needed to be deleted from my credit report. Im trying to improve my credit. I want to buy a house. I said I wanted to pay for a delete they told me it was ok. 
i ask for a prof they told me i will recived a deleted prof letter. never recived nothing. and they just updated this account now is still hurting my credit. it hard paid a account i dint reconize and still hurting me. My dream of buying my house is getting hard. if there a way this account can be deleted of my credit. I would be very grateful. Thank you. 

God bless you.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (IL)

Pursuant to 15 U.S.C 1692g I have requested validation of debt on XX/XX/2022, certified mail with a green return receipt and on XX/XX/2022 I received correspondence back with what supposed to be validation that I owed Midland Bank an alleged debt. I only received a contract and statements in their response to my request. However Pursuant to 15 U.S.C 1692g ( a ) ( 4 ) Midland Bank did not satisfy the minimum requirements for a valid request. The information provide does not consist with the list of things congress said should be provide to a consumer to validate any alleged debt. Midland is attempting to collect on a debt without sufficient evidence that this alleged debt is owed to them by me, and in attempting to collect this alleged debt they have violated my rights as a federally protected consumer Under the FDCPA as well as the FCRA.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Over the past few years my identity has been compromised in over 36 security breaches from the following companies : Equifax in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX XXXX  and their sub-company XXXX  XXXX. 

The following Hard inquiries on my credit are : not ones that I inquired about, I was not issued any lines of credit by these companies and It looks like fraudulent activity. This prevents me from obtaining good credit and looks like I desperately need lines of credit when I do not. 

XXXX  : XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Finane Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Automotive Inquiry XX/XX/XXXX XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank XX/XX/XXXX XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank Inquiry XX/XX/XXXX XXXX-scm Misc Inquiry XX/XX/XXXX
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (MI)

I've contacted each of the XXXX credit bureaus regarding hard inquiries on my credit reports they are inaccurate. On my transunion report they are several of the same thing. I've notified them that they were not authorized and asked them to be removed. I have credit monitoring. I monitor my reports religiously.
Consumer complaint received 2023-01-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (FL)

After I file a complaint regarding XXXXXXXX XXXX XXXX deceptive act to CFPB. XXXXXXXX XXXX summoned a Court Order to me on XX/XX/XXXX, to foreclose on my Home. The actual Court Order is dated 2 months before the enforcement actions ordered on XXXX on XX/XX/XXXX. Subsequently, my wife is leaving the property in fear of being homeless. Is that a legal Enforcement Action?
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ark-La-Tex Financial Services, LLC (NE)

On XX/XX/21, I applied on a application for mortgage loan. I did not qualify according to the lenders standards. the lender violated the fair credit report act and other application laws and regulations by giving our real estate agent credit information that they were not required by local and federal law to have. This caused us to lose the home we put an offer on and damaged our relationship with the local real estate agent. 

The loan officer was XXXX XXXX XXXX with Benchmark Mortgage. NMLS # XXXX. 

Numerous phone calls and text message were exchanged back and forth regarding the transaction. 

It is un professional for a lender to share specific information to a real estate agent that can cause harm or change their ( the agents ) mind in providing a service for their client.
Consumer complaint received 2017-09-15
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: FIRST NATIONAL BANK OF OMAHA (CA)

I am a victim of identity theft. On XXXX XXXX, 2017 some body used my SSN and open a credit card with First National Bank. Some time in XXXX I received a billing statement for a balance of {$7100.00}. I contact First National Bank and explain what happen. I spoke with the vice president XXXX and explained it to him and XXXX XXXX said I am not liable for this account. I followed up with the bank today XXXX XXXX, XXXX and I spoke with XXXX in the fraud department and I asked him about this credit card and he said there is still a balance on the account. I explained it to XXXX, I did not open this credit card and he said will investigate on it.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I pulled my credit report today for the first time. I have a number of hard inquires on my account that I did not authorize, and I believe are fraud. I need help in getting these removed from my account as I did not approve these and they are hindering me from providing a home for my family to live in during the covid 19 pandemic. Please, please help me. I have contacted each company with no resolve when speaking to the fraud departments. 

XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Informative Research- XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I RECEIVED A DATA BREECH LETTER IN THE MAIL THAT MY CREDIT REPORT HAD BEEN AFFECTED BY A DATA BREECH, ON CHECKING MY CREDIT REPORT I NOTICED SOME INQUIRIES THAT I DID NOT PUT ON MY REPORT. THEREFORE THEY NEED TO BE REMOVED IMMEDIATELY OFF MY CREDIT REPORT. THANK YOU. XXXX XXXX
Consumer complaint received 2023-01-11
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. (PA)

I tried explaining that the company gave out false information. I called XX/XX/XXXX ask my entire balance to pay to a XXXX balance. I paid the amount given. Later they added interest and fees resulting in a new balance i was not aware of. I thought my balance was XXXX as informed by the company so i did not have anything to pay. They reported my account 30 days late hurting my credit score XXXX points. I explained that the letter received in XXXX failed to mention any dates at all and a description of charges or what the new balance was. This is unfair to me because i would not know by when my account would be considered 30 days late. I ask them to remove the late on my credit due to wrong information provided to me by the bank and their employees.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

I tried explaining that the company gave out false information. I called XX/XX/XXXX ask my entire balance to pay to a XXXX balance. I paid the amount given. Later they added interest and fees resulting in a new balance i was not aware of. I thought my balance was XXXX as informed by the company so i did not have anything to pay. They reported my account 30 days late hurting my credit score XXXX points. I explained that the letter received in XXXX failed to mention any dates at all and a description of charges or what the new balance was. This is unfair to me because i would not know by when my account would be considered 30 days late. I ask them to remove the late on my credit due to wrong information provided to me by the bank and their employees.
Consumer complaint received 2022-04-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.
Consumer complaint received 2021-07-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

You have closed the previous complaint for some reason. You did not comment on my final correspondence to yourself or from me to the company, ( select portfolio ). 
The matter is not closed! They suggested that the matter was closed and you relied on their word? I sent them an additional certified letter and uploaded a copy to you on or around XXXX. It was received and signed for by XXXX XXXX on XXXX, XXXX, XXXX. Their recent response dated XXXX, XXXX, XXXX is a lie. My nresponse to that letter is dated today, XX/XX/XXXX and will hope to be able to upload it to you herein?
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Ive requested XXXX, XXXX and Equifax to remove all none mailable addresses from my credit report I live in Ohio I can not receive mail from all these other states thats being named. They said they were taking them off then update them and left them on my report. so if these companies mailing letters to a address Im not associated with this mail contains my personal information in them which somebody can steal my identity for there actions.