davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

XX/XX/22 - I made an appointment with a Wells Fargo branch to close my dads account - I am administrator of his will. After 1 hour of sitting in the branch with the manager on the phone to the estate department and sending all of the required paperwork, I left the branch to go to another appointment. Subsequently I filed a complaint and escalated the problem. The next level said they would investigate and get back to me in 10 days. when they didn't get back to me I escalated it again. This level said they would investigate and get back to me in 10 more days. The did get back to me and said I would have to make an appointment and go to a/the branch to close the account. I said no and escalated it again to the office of ECMO. They called me this morning and said I would have to make an appointment and go to a/the branch or call the estate dept and do what they asked. I chose to call the estate dept and they said I needed to make an appointment at a/the branch or they could send me a form that I had to get notarized, mail it back and it would take 15 days plus mail time. I feel like I did all the right things in the first hour and that someone needs to hold Wells Fargo accountable. Wells Fargo is just stalling to keep the money as long as possible.
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (GA)

I have been a Dillards Credit Card holder for over 10 years. I took responsibilty of paying my bills and setup for automatic payments to prevent late payments. Last year, they decided to change their banking company to WellsFargo. I had to jump all sorts of hoops to sign up for the new payments. Unknowingly, when Dillards would call about my payment being a day late I would immediately pay over the phone and was told by the representative to resign back up with the online payment center. This happened at least 3 times. While I was believing that my payments were finally going through because I setup automatic payments again by taking step by step directions from a representative. To end the story, a final and fourth representative told me every time I signed up, it was taking two billing cycles to activate. So the 2 month cycle wait kept restarting and the horror would not stop. Meanwhile, they stated I was {$7.00} dollars past due and now it was on my credit report for XX/XX/2015. I would normally send Dillards big monthly payments and would not let {$7.00} slip up. I would like to have this negative remark removed because Dillards and myself was going through a transition and I was honestly trying to do the right thing.
Consumer complaint received 2024-03-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (GA)

The loan from American 1st was for jewelry in the amount of {$3500.00}. The loan terms were 101 days interest free. I have paid back {$560.00} plus a month for 4 months. 
Now that I have a balance of {$1200.00}, they claim my payoff amount is {$8200.00}. More than double the cost of the purchase.
Consumer complaint received 2023-04-14
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. (TX)

I had a collection on my report on XX/XX/2023. I call to verify but they could tell me anything even though it's suppose to be me. So apparently they have me mixed ymup with someone else or someone is using my name for medical purposes. They also show I had made payments on my credit that's not me. I have my full name driver license to prove it's not me. XXXX claims that it's correct. But I contact the debt collector spoke to a XXXX and he could give me any information.
Consumer complaint received 2015-07-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION (SC)

I have a student loan from the Alaska Commission on Post Secondary Education that is currently in forbearance. Apparently, they sent me a letter that was returned to them XXXX probably delivered to the wrong house ) and instead of calling me, emailing me, or attempting to contact me, they began harassing my extended family members and all educational institutions where I have previously been enrolled. At the same time, they have not once tried to contact me-and I 've verified that all of my contact info on file is correct. I did not receive a single phone call or email from them until yesterday XXXX XXXX XXXX ) which is the same day that my family members received their letters from XXXX. More importantly, my loan still in forbearance, meaning that there is no payment due. My next payment is not due until XXXX. I would like to file a complaint because I feel like their harassment of my family-including my XXXX year old grandparents-is a violation of my consumer rights.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Upon thorough review of my report, I have identified several discrepancies and inaccuracies that I believe are adversely affecting my creditworthiness. 

I recognize the importance of maintaining an accurate credit history and am fully committed to rectifying any errors. Therefore, I kindly request your assistance in investigating these discrepancies and, if found to be inaccurate, promptly removing them from my credit report.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

on XX/XX/XXXX, I lost my Bank Of America ( debit and credit ) cards and drivers license. on XX/XX/XXXX I got notification that someone used my debit card amount of XXXX XXXX on XX/XX/XXXX, I informed the bank about incident. In two days I reported the police department too. report number is XXXX in one week later Bank of America credited the money amount of XXXX XXXX And on XX/XX/XXXX, I got Letter says that on XX/XX/XXXX Bank Of America will be removed the amount credited earlier. In the letter they mentioned that the charge was authorized by me or by someone who has permission to use the card or account. I tried to contact customer support but they could not solve my problem. The next step was escalation of the dispute ( XX/XX/2022 ). And the result was negative. They did not approved my claim. 
And addition to these once I spoke with their supervisor they said they are unable to help me on this case. Thanks for your consideration in advance.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

Regarding the Wells Fargo settlement, i was forced to obtain : 1- a checking account and 2- a home equity line of credit which was ultimately restricted ( i am not able to use the available funds based on my original credit line ) Please advise how much of the settlement i am entitled to thank you XXXX XXXX
Consumer complaint received 2022-02-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX 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 a account without my written instructions.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Franklin Collection Service, Inc. (FL)

This company claim that I paid them. I have never conducted any business with Franklin company. I have never paid them any funds on behave of XXXX. They can not provide a receipt stating the correct date I paid XXXX or who accepted the payment from their company. They also added the debt after the date that I allegedly paid them to XXXX.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (OH)

Upgrade offered a personal line of credit with a XXXX limit. I accepted the offer and have followed their terms and conditions. My balance was {$2000.00} as of end of XXXX, which I paid off during XXXX, the balance since XX/XX/XXXX has been XXXX Upgrade has reported my credit limit to be XXXX even thought it remains XXXX, they also reported on XX/XX/XXXX that my current outstanding balance remains at XXXX. 

I have requested twice that the credit limit of XXXX be reported to the credit bureaus and they refuse saying that it is their policy not to report any credit lines, and they are not governed by financial law as they are a financial tech company, thus are able to report what they wish and it does not have to be accurate information. 

They also stated that they used a total of all loans to report the total balance of XXXX, but only the total of XXXX loan to report the maximum balance during the account lifetime, and again said because they are a financial tech company they do not have to follow normal credit reporting law and they can use different sources of information to determine what they wish to report to the credit bureaus. 

I provided copies of a credit line paperwork to the XXXX credit bureaus showing the XXXX credit limit and they refused to update my credit file.
Consumer complaint received 2022-02-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Forster & Garbus LLP (NY)

I had 3 private students loans from XXXX that were originally through XXXX XXXX. I was sued in XXXX. Myself and my father were threatened with tax liens on my parents home and back account freezing which forced me to begin to pay the XXXX XXXX XXXX XXXX department to avoid harsh penalties. My husband lost his job leaving me unable to continue to pay the loans off. The collections agency continued to try and get payments but refused anything I offered saying it wouldn't be enough on the principle balance. I do not feel these loans should have legally been able to be collected in the first place due to the statue of limitations being reached but I was scared because of what I was being told. I eventually was able to settle and get a payment plan but only after I had to get a lawyer to communicate with Fortser and XXXX. The payments that were settled on were still very high, and I was able to squeeze payments out for about 2 years but when Covid hit my husband lost his job again. I do believe the initial loans were predatory to begin with as the XXXX XXXX accounts office only handed private student loan information out for one bank. I was the first person in my family to go to college so our education on the financing piece was not great at that time. We were not given any support on understanding at that time. We were told that it was our only option if I wanted to go to school there. I am hoping that something can be done, since I do not feel the bank or collection agencies had a right to collect the payments to begin with.
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (SC)

I am a XXXX year old who thought it would be great to get a college degree. I enrolled at XXXX University in XXXX, NC XX/XX/XXXX. I guess I was XXXX at the time and started a XXXX Degree in XXXX XXXX XXXX. To date, I do n't know why. When I realized how difficult and long the process would be I switched to an XXXX in XXXX program. Throughout the whole process ( which moves very quickly ) I was charged for electronic books and other tools that I did n't order. I was buying used books on my own. I never realized what the entire expense would be and when I began to receive notifications, I decided to resign. I came away just feeling ill-advised and victimized. I started with a {$10000.00}. balance and after paying on it for three years, I still owe {$9500.00}. The interest alone from XX/XX/XXXX to XX/XX/XXXX was over {$3300.00}. 
I am at a loss as to what to do about it because I want to stop working and retire, but I do n't want to ruin our credit. Is there hope for me? I just feel I should have received better counseling and advise from the College and I really resent having this responsibility. 
I know I must stand up for my decisions but I just feel I was bamboozled. 
Very sincerely,
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MA)

During the financial crisis of 2008 I ran into problems and applied for a loan modification. I was accepted and received a lower rate for 5 years. 
After 5 years the rate increased by 1 % point per year. During those 5 years I never missed a payment. Each payment was on time. The increase of 1 % point per year has turned into a problem. The problem is that when I go to refinance no lender wants to touch the modified loan. 
I have been told that my situation is unusual in that I have made all the payments since the modification and lenders do not know what to do with the loan, therefore no one will bother refinancing me. I am at a crossroad an and looking for some guidance on what I may be able to do.
Consumer complaint received 2016-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (NY)

At the time a " line was opened '' i was homeless i do have an older brother his XXXX now he had my papers and etc so he opened aline with out me knowing i was sleeping on sofas trains i havw proof of my homelessness.
Consumer complaint received 2015-11-18
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: TENET HEALTHCARE CORPORATION (TX)

My name is XXXX XXXX XXXX, PH. XXXX XXXX XXXX XXXXXXXXXXXXThis company is charging me {$900.00} XXXX for medical services I did never use in 2014, I asked for proof, they do n't have any : Credit ItemsCENTRAL FINANCIAL CONTROLAddress : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FREE Account Number:XXXXOriginal Creditor : XXXX XXXX XXXX HOSPITALPlease help me heal my credit, this is affecting me and my finances.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

I, XXXX XXXX, received a collection notice from Credit Collection Services. The creditor named is XXXX XXXX. The amount of the debt is {$1300.00}. I do not owe XXXX XXXX. I simply switched to XXXX upon renewal as I simply could not afford XXXX XXXX after they increased my rate XXXX %. As a consumer, I have the right to cancel insurance and switch to a more affordable policy. 

Now, XXXX XXXX is threatening to destroy my credit. I am disputing the validity of this debt and will be seeking legal counsel. I have attempted communication with Credit Collection Services but all they 're interested in is collecting money as the are a debt collector. There 's no concern for the consumer.
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}. 

I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

wells fargo refuses to give me the title company information wells fargo falsified my title to allow the modification. 
Wells Fargo is skirting around the title issue. they provided a XXXX page title saying this is all they found when they completed the modification a judgement. judgements do not go on title liens do. 
there were XXXX and attached is XXXX pages showing the total title wells neglected to obtain. if the title company had completed there job properly these would have been found and addressed over 2 years ago when the modification started. they say everyone else is wrong but them. 
they saw the errors, the now about the phone calls I received to redo modification papers 6 months later, they know there was XXXX XXXX title insurance on my policy when I took my mortgage out. XXXX XXXX covers : XXXX ) If the declaration creates a lien for maintenance assessments, all assessments outstanding for the period of time prior to closing must be paid and the declaration must state that the assessment lien is subordinate to the lien of the insured mortgage. In the states of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX state law provides that certain condominium assessments have priority over first mortgages. In those states, do not issue the XXXX Endorsement XXXX on first mortgages unless you delete paragraph XXXX or unless you add an exception pursuant to our local underwriting guidelines ; otherwise, you should issue the XXXX XXXX endorsement in those states or you should secure specific underwriter approval. In many states, assessment liens are superior to all mortgages except first mortgages. In all states issue only the XXXX XXXX endorsement on Loan policies covering subordinate mortgages unless you secure Underwriter approval to issue the XXXX XXXX endorsement. 

so again wells takes no responsibility for there mistakes. 

I will be calling XXXX to discuss the errors and refusal by Wells Fargo to deal with there errors properly. 

by closing this case and saying there was nothing you did wrong is a joke. 
I do not believe this was handled properly at all by anyone at wells fargo. 
so now I take my fight higher since YOU STILL DO NOT CARE HOW YOU FALSIFY DOCUMENTATION AND THEM BLAME A BORROWER, advise why title was changed, advise why you did n't provide the liens - there are no XXXX different title reports and it is not based on the county since the same title companies provided the paperwork but yours did n't show the truth.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stephen L. Bruce, P.C. (OK)

in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.
Consumer complaint received 2016-09-26
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: WELLS FARGO & COMPANY (CT)

I had a wells fargo gift card worth {$500.00} which i lost, ( remaining balance was about {$480.00} ) I reported it lost XX/XX/XXXX. I called in to report and completed the verification and requested a cheque for the balance to be issued. I was informed of the {$15.00} fees for the cheque to which i agreed. However it has been 4 months and i still have not received the cheque. I called in XX/XX/XXXX as well as XX/XX/XXXX to check on the status and was assured that the funds have been processed and cheque would be sent out shortly. 

Now, as i try to follow up, I am being asked to verify the transactions right to the dollar amount. I last used the card in XX/XX/XXXX and i am unable to remember the exact dollar amount. 

I had previously verified my identity and confirmed the remaining balance on the card, however now i am only givin XXXX option to verify the card which is my last transaction. 

I think this is very wrong and non flexible policies by wells fargo to make me jump over the same hoop over and over again