davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

I am writing yet another complaint against Wells Fargo Home Mortgage. Recently I asked Wells Fargo about a mortgage modification packet I submitted in courton XXXX XXXX, 2011, via their attorney XXXX XXXX, an employeeof XXXX XXXX XXXX XXXX. I submitted the documents in court because I wanted a record of the documents being submitted. I even went as far as asking the Magistrate if the Attorney could look over the documents to make sure everything was filled out correctly which she stated, " It appears so. '' The Magistrate gave Wells Fargo 100 to 120 days to complete their end of the dealbut they never did. After numerous calls, I was told that it was lost and to just fill out another packet because it expired anyway. Now, Wells Fargo is stating that they never received any modification documents from their Attorney and that I never submitted any documents in court so my question to you, Wells Fargo, is, how do you explain the journal entry from the Magistrate that clearly states that I submitted documents for consideration on my mortgage modification? 

My next questionpertains to XXXX XXXX 's signature on my mortgage papers. When Wells Fargo purchased my loan, the paper work was signed off by XXXX XXXX, the XXXX of XXXX XXXX XXXX , XXXX . I 'm not surethat signature is authentic. After reading about Wells Fargo 's ex-employee XXXX XXXX XXXX, while in a New York Bankruptcy court, openly admit to signing XXXX documents for Wells Fargo, It further solidified my thoughts aboutXXXX signature on my mortgage documents.After seeing what I believe is an authentic signature of XXXX XXXX, Ithink the signature on my mortgage documents is a fake. I believe I am in possession of XXXX authentic signature and it looks nothing like the signature on my paper work. I am not going to submit a copy of the court document since I do n't have XXXX permission but I will submit a document to show how I came into possession of XXXX signature.I also read your manual on creating missingdocuments and frankly, I 'm appalled.Can you verify that XXXX XXXX 's signature is authentic? Can you show proof like another document withhis signature on it? I 'm sure my mortgage was n't the only mortgage purchased from XXXX XXXX XXXX , XXXX .
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One used information from my father instead of me and declined me saying I was deceased. My FICO score is negatively impacted and I have an inquiry on account, but inexperience representatives keep asking me to reapply, or telling me to call XXXX after I explain that XXXX has fixed everything but inquiry.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

On Tuesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I make under the XXXX income limit and therefore am eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 
It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 
They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart
Consumer complaint received 2016-08-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

Please be advised on XX/XX/XXXX2016 I sent Springleaf information Pursuant to XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Springleaf! Springleaf has not provided any documentation as outlined in XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( XXXX ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( XXXX ), the person that provided the information in dispute to a consumer reporting agency shall -- ( XXXX ) conduct an investigation with respect to the disputed information ; XXXX XXXX XXXX review all relevant information provided by the consumer with the notice ; XXXX XXXX XXXX complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( XXXX ) ( XXXX ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( XXXX ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( XXXX ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( XXXX ) modify that item of information ; XXXX XXXX XXXX delete that item of information ; or XXXX XXXX XXXX permanently block the reporting of that item of information
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC. (ID)

Debt collector refusing to mail verification of debt and refusing to notify of right to dispute. Called XXXX about this debt on XXXX/XXXX/16 at XXXX. In addition, debt collector hung up on me after refusing to send any information. This is my first attempt to gather information about this debt. I was under the impression that this debt had been settled many years ago.
Consumer complaint received 2016-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Consumer complaint received 2023-04-05
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (TX)

On XX/XX/21 - XXXX  Credit sent me an email of debt for {$1900.00} - I looked up the company and it was for Harvard Collection Company out of XXXX, Illinois. 
I called the number and they referred me to another number for the Illinois Department of Humana Services. I never received anything from them in a letter asking to dispute this debt. They never sent anything out letting me know any information on the debt or what it was for. the Collection Agency just slapped it on my credit, in the middle of a pandemic.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my XXXX insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however XXXX Transunion believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me XXXX and hung up on me.
Consumer complaint received 2016-05-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peter Roberts & Associates, Inc. (MA)

This Collection agency is at it again. I had previously submitted a complaint on XXXX XXXX XXXX. Which resulted in my favor. Quick refresher in XXXX XXXX I went to the hospital. 
The hospital made a mistake in the billing. They billed my insurance but did n't reflect it in their system. My insurance sent them a check, it was never cashed. I kept gettign bills for the full amount. 
Hospital would not talk to the insurance company to resolve this. Insurance company policy needed the hospital to talk to them to resolve the issue. I get caught up in life and forget the situation. 
The bill goes to collections. XXXX XXXX I get the first phone call. I express doubt about the whole thing. Right there is the first mistake of this agency. I never got anything in writing about the debt five days after that call. 
I go through my records and check my insurance claims see the amount that was told to me and the cut check. Call the agency back within the hour of the first call. I explain the situation. 
I do not owe the full amount this is why. The man on the agency end gets flustered and says he has to talk to the hospital. About a week later he calls me back and says the hospital has no idea and tries to get me to pay. 
I reply I 'm going to call my insurance company. I call and find out the check was never cashed. I call the agency back give him that information. 
He then asks to speak to my insurance company, I agree and give him my member id and the XXXX number. I never hear from them again. 
Now the day before I placed my first complaint. They put negative accounts on my credit report with XXXX and XXXX. After that complaint they were removed and I got my first letter from them stating said items were removed. On XXXX XXXX the new check from my insurance company was cashed by the hospital and a new bill was sent to me. On XXXX XXXX this collection agency yet again put a false amount without noting to transunion that the account is in dispute on my report.
Consumer complaint received 2017-03-07
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (ME)

Wells Fargo has been incredibly deceptive and intentionally confusing. To summarize, they have mailed me two letters confirming a so-called late payment was removed, and also verbally confirmed over the phone recently that it was removed ( listen to the call to hear the deception! ). It has not been removed, which is certainly deceptive and clearly unfair practices. 

The letters they mailed noting that it would not be reported reference the account ending in XXXX. 

-My Wells Fargo account number CHANGED after XX/XX/XXXX, due to a LOST CARD to the account ending in XXXX. 

-The late payment reported is for the account XXXX, as the account did not change to the new number until AFTER XX/XX/XXXX. 

-THEY ARE THE SAME credit line, the number only changed AFTER a late was reported because the card was LOST. 

XXXX is what the account was when a late payment was reported. The account number did not change until AFTER XX/XX/XXXX to a new number. The letter I have attached that they mailed is referencing what the account number was when they reported. 

I have never had anything negative on my credit and have been appalled by how misleading and deceptive Wells Fargo has been. They have lied to me several times, and told me conflicting infomation. When I called several months ago to confirm the removal, the representative confirmed several times that it had been removed. In my most recent conversation, they said it had not ... where are my rights? How is this ok? What truly deceptive practices! I have spent over a year being lied to and misled. 

In my most recent conversation, they were not able to confirm the two letters mailed to me stating the removal. That is very concerning that they do not maintain records of outgoing confidental customer information and would mail conflicted information repeatedly. 

This is WRONG!!! PLEASE HELP!!!!
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

FOLLOW UP DATE REGARDING THE SALE DATE. SCHEDULE FOR THE XXXX TH OF XXXX. ON OUR HOUSE LOCATED ON XXXX XXXX XXXX XXXX XXXX CONNECTICUT XXXX. 

Loan # XXXX SIR/ MADAAM. You requested that we keep you informed regarding this case. Mr Copper has requested documents to do modifications on our mortgage loan. Like you see just on the XXXX XXXX the bank requested additional information. The sale date is scheduled for the XXXX of XXXX. We requested an extension of the sale date to allow time to finish the loan modification. See the email sent by the bank through there lawyers. Refusing to extend the sale date. We are appealing to your office to intervene on our behalf. We need to get extension. So that the modification to be completed. We no that we updated you on this last week. However we are sending this update because of the email received by Mr Coopers lawyers today. In hope that you will intervene for us Thanks in anticipation. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Connecticut XXXX.
Consumer complaint received 2016-07-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX The Complaint department Federal Reserve Bank and Mortgage fraud Complaint Dear Sir/Madam COMPLAINT AGAINST WELLS FARGO BANK WRONGFULL FORECLOSURE ON MY PROPERTY MORTGAGE ACCOUNT NUMBERS, XXXX and XXXX. 
I have intentionally refuse to back off from XXXX Criminal intended employees of Wells Fargo Bank, XXXX XXXX an executive resolution specialist and XXXX XXXX assigned to my loan modification, I will continue to stay in my house until the government steps in to investigate these wrongful act committed by Wells Fargo bank XXXX XXXX XXXX and XXXX XXXX. 
XXXX XXXX with held my documents and released false information to the modification team, intentional to delay the modification of my property loan while XXXX XXXX block my account lied to me for a run around for many months with intent to lue me into foreclosure, she constantly lied to the police and use the police to harass me frequently in my house. She then blocked my access into making payment into my mortgage account and foreclosure my property. When the information was given to me by the Re-entry team of Wells fargo bank, I confront XXXX XXXX which got her angry and she instructed for a foreclosure on my property but lied to me that the modification was successfully and XXXX XXXX has my approved documents, I called XXXX XXXX only to realize that XXXX XXXX has caged me into run around to induce foreclosure on my property, XXXX got angry when confronted with the truth. 
I have written to Wells Fargo Bank and noting has been done but harassment letters of foreclosure and date XXXX/XXXX/2016 to sale my property. I just filled a law suit against Wells Fargo Bank, to stop the sale and claimed damages with Superior court in XXXX XXXX. 
XXXX XXXX has shamelessly refuse to correct her wrongful act and Wells Fargo Bank is doing noting about it. 
Her trick in blocking my account made it difficult for the re entry team to modify my loan, XXXX and XXXX in the re entry team confirmed. 
I have been harassed, insulted, humiliated and XXXX after 14 yrs of relationship with wells Fargo bank. 
I need government intervention to stop this from escalating further, I have refused to allow this criminal behavior of XXXX XXXX and XXXX XXXX to affect my life and my XXXX children. 
A sale date of XXXX/XXXX/2016 has been mailed to me for my property but I will drop my last blood to bring wells Fargo bank, XXXX XXXX and XXXX XXXX to justice, I can be reached at XXXX XXXX XXXX. 
Please SAVE MY SOUL Thanks XXXX XXXX
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (MI)

i have been disputing this company with this company only to find out they are no longer in business, they have been on my credit report since XXXX stating i have a written off balance of XXXX dollars I do not recall getting or signing up for this card.The company is called XXXX.XXXX.Please remove from experien credit report
Consumer complaint received 2015-08-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

We had a signature loan through Advance Financial and were made to switch it over to the new Flex loan product on XXXX/XXXX/15. We were never given a copy of our contract to look over. We were never told about the " customary fees '' they hide under the heading of " Interest charged ''. We were actually told the new product was like a credit card and was a much cheaper loan than what we had. That was a complete lie! With the signature loan, it is broken into 7 payments upon which time it is completely paid off. This includes a small, up front fee for taking out the loan. Very clear. The new flex loan has no specific payment outlined for you. We were first told our payments would be {$130.00}. This was true for the first payment. Every time we went into the local store after the first payment was made, there was never anything due on the account. No statement had been generated for 42 days! We paid on the account anyway, based on what we were told the amount should be. The very first statement we received was for the period from XXXX. The total interest charges that had accrued on the account were {$620.00}!! So, a {$1700.00} loan had now become over {$2300.00} in about a month and a half! Had the fee structure been explained properly, we never would have agreed to switch to the new loan. We were told several times that our account was past due although it was not. I had all of our receipts to prove it. I had to email the corporate office at XXXX on a Sunday night all of the proof I had. To this day, our statements are incorrect. It has now been 3 months that we have been dealing with one problem or another. Nobody can give us a straight answer. This company has gone into our bank account twice now and taken out money that was unauthorized when they were in the middle of straightening everything out. It has been a complete nightmare. When I asked about not receiving a copy of our contract, I was told by the store manager that they never give customers the contracts unless they specifically ask for them. Well, I asked repeatedly for a copy of ours. We finally received it by email on XXXX/XXXX/15 ... nearly 3 months after switching to the new loan. My statements were never correct. In fact, every time I called either the local store or corporate, everyone I spoke with was thoroughly confused as to what was going on with our account. I do not understand how this practice is legal. How are these companies allowed to get away with deceiving their customers into such high interest loans. These cause great financial hardship for most people. I have filed complaints with the BBB & Consumer Affairs. I would love to get an attorney on board, but I 'm not sure which type would handle this situation. Upon investigation, we are not the only ones having this issue with this company. There are pages of complaints for the same deceitful practices. Something needs to be done to stop it.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: 1st Franklin Financial Corporation (LA)

The collector calls every other day, and sometimes daily! They show up at my house and leave bots send me letters, etc. I have spoken with them and let them know I am currently in a financial situation and I will try to do the best I can! They have threatened with suet and threatened to have wages garnishes from my check I told them that I was going to make a payment but I ca n't go a day with out them calling or showing up at my house at random times and when I do make a payment they harass me in the office if I make a partial payment they decline it and say it must be a full payment before they will except