davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (CA)

Dear Sir, I was charged excessive late fees on a secured credit card by Wells Fargo Bank- representing an effective 1,000 % interest rate and over XXXX % of my collateral. The late fees were automatically charged, my account was subsequently closed and missed payments were reported to credit agencies. The bank had failed to notify me either electronically or via paper in spite of me updating the bank staff of this change of address. I have also spent several months trying to get the bank to reverse the several charges they have charged - an effective 1000 % + on a completely securitized line. The bank customer service and executive office seems to only want to find a way to legalize those charges and do not want to take any accountability for excessive fees and charges. While the enrollment process I was told that this secured credit card would only hurt my credit scores. I have no other option that to use this forum to hope for a correction in their methods and processes used.
Consumer complaint received 2015-07-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (ID)

In 2011, when I was naive to internet scams, I tried to sell some of my old video games on XXXX. The buyer sent me a check, asked me to cash it and then send the money to his carrier for him. This turned out to be a scam, the check bounced and the balance was deducted from my bank account. Key Bank closed the account as SUSPECTED FRAUD when the status was UNPAID. I proceeded to pay back the amount owed in full, but it still shows up on my report as SUSPECTED FRAUD and UNPAID due to the immediate closure of the account before I had a chance to pay it back.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

We bought our home XXXX years ago however have made significant improvements. Based on our estimated new value, we suspect we would have hit 80 % LTV ratio on our mortgage. We submitted a request to our mortgage lender to cancel our PMI. They explained the process to use which included an appraisal at our cost and gave us the final number the appraisal would need to come in at to cancel the PMI. We signed this letter and awaited the scheduling of the appraisal from the bank. The bank then called and told us since we hit two years on our mortgage since the request, we now had a new standard of 75 % LTV ratio which now significantly increases the value we need to get on the appraisal. I ca n't find anywhere that this is normal or legal and it directly contradicts the information they gave me just weeks ago. Do I have any recourse in this situation? The bank is Everbank. We are on time for all our payments. This seems completely unfair that they can change this because now paying {$420.00} for the appraisal is a much bigger risk if we can not get the new appraisal value which they quoted us by phone ( about an XXXX increase from what they originally told us in the paperwork we signed requesting the PMI cancellation ). Also, how will I even know if I can cancel PMI if they keep changing the LTV standard???
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

After speaking with XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (CO)

I am being sued by a debt collection agency called XXXX XXXX XXXX out of XXXX XXXX, Michigan. For background purposes, I lived XXXX from XXXX until XXXX of XXXX when I moved to XXXX. In the late XXXX 's, I had entered into the credit card contract with Wells Fargo Bank while living XXXX, and any charges made on that account would have been made XXXX. According to XXXX XXXX XXXX, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, XXXX XXXX XXXX are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state XXXX, this contract has nothing to do with the state XXXX and the 6 year SOL XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat XXXX " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

XXXX XXXX XXXX is supposedly a " XXXX XXXX XXXX '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. XXXX XXXX XXXX and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I have a Judgement reporting on my credit report that is completely inaccurate. I have sent the credit bureaus multiple letters asking them to verify the accuracy and they claim they contacted the court however I sent the court a letter as well and they claim they do not verify anything with any credit reporting agency. The credit bureaus are falsifying their investigation results and lying to the consumers
Consumer complaint received 2015-05-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NV)

This debt was settled and paid in full to a different firm. XXXX XXXX XXXX XXXX is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within XXXX days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX - I opened a checking account at Citi bank in a branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, they promised me {$300.00} USD promotion if I 1. Deposit {$15000.00} 2. Maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days I signed the XXXX form on-site XX/XX/XXXX - The lady XXXX XXXX who helped me open the account emailed said that there's a problem with the XXXX form I signed, they want me to visit and sign again ( email attached ) XX/XX/XXXX - I visited their location at XXXX XXXX XXXX, signed the XXXX form with updated notice on it. 

XX/XX/XXXX - XXXX sent me email again said there's a problem with my XXXX form, want me to visit and sign again ( email attached ) XX/XX/XXXX - I visited their office again and signed the XXXX form again XX/XX/XXXX - The {$15000.00} fund was deposited ( statement attached ) XX/XX/XXXX - The {$15000.00} for sixty ( 60 ) consecutive calendar days reached ( statement attached ) XX/XX/XXXX - I need to use the money, as the deposit days have already reached 60 days, I reached out their customer service and asked for back account downgrading to Basic Banking package. This package requires - A direct deposit AND a qualifying bill payment OR - Having a combined average balance of {$1500.00} Their customer staff promised me that I can withdraw my money, and they will waive the service fee before it downgrades to Basic Banking page. And it should be effective in like a week. 

( live chat dialogue attached ) XX/XX/XXXX - I still didn't see the {$300.00} bonus they promised, but I noticed that they sneak in a $ XXXX Monthly Service Fee on XX/XX/XXXX. I contacted their customer service again. This time they claimed - Downgrading account would disqualify account for receiving {$300.00} bonus - Downgrading seems not completed as there's a pending promotion - It could take 90 calendar before the bonus deposit - They agree to waive the {$25.00} USD fee ( live chat dialogue attached ) XX/XX/XXXX - I still didn't see the bonus, and their online chat system seems to be broken, I called Citi Online Bank Support at XXXX, asking why the bonus is still not here. They claimed that they didn't receive my XXXX form, and that's why my bonus is still pending, and of course that's not true, I signed XXXX multiple times, I thought that may be just this bank 's internal communication problem, so I agree to send them a XXXX form again. 

XX/XX/XXXX - I signed a new XXXX form and mailed to the XXXX XXXX XXXX they provided at Citigroup  XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX, SD XXXX The tracking number is XXXX ( XXXX XXXX XXXX XXXX ) And according to the record, it was already delivered on XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX - I checked the checking account, still didn't see the bonus, but found that Citi Bank sneaked {$25.00} USD monthly service fee again on - XX/XX/XXXX - XX/XX/XXXX even my account has {$1500.00} balance all the time.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I made a grave error. I applied for a checking account with HSBC. HSBC approved the account. Later they decided to make the account for closure. This is their right. Although they did not tell me why. Nevertheless they are holding my money. It is illegal for them to do this. There was no fraud, nothing. I went to the branch, tried to call them on the phone and all HSBC tells me is that another department is looking handling the account. I get the run around meanwhile they are holding my XXXX. I do not understand why. 
This jas been going on since the beginning of XXXX and it is not XXXX. All Custer service does is tell me another department is handling it Worst is I was told that the department handling it can't take calls, has no phones, does not deal with customers. 

This should not be allowed. 

The customer service is the absolute worst I ever seen at a bank. The worst
Consumer complaint received 2016-10-10
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

Wellsfargo has some very serious consumer privacy legal issues going on & I for one am a victim of their compliance violation abuse. XXXX times I was asked to change my username & password of which I 've had for 14yrs. After doing so I lost my mobile banking app access that 's been reported & case 5 days know that Tech Suppprt says new update will fix the bugs that are havocing consumer accounts on XXXX XXXX. I 'm afraid they are extorting my privacy by letting perpetrators cash my checks by way identity fraud in local branches. I 've banked with them for over 22yrs & have reported consumer fraud against them 3 times while executives in claims refuse to cooperate with authoritys to prosecute the known suspects. I ask they they restore my mobile banking access & fix thier issues or I will have to join another bank. I 've asked the executive office to change the installment loan they opened to my credit line because it was not want I wanted in the first place. XXXX XXXX used some divriminative remarks about Wellsfargo being a conservative bank but Im a conservative too & all my accounts are in good standing & my political party has nothing to do with my customer representation with this banking institution & should be fairly treated at all times. 
Case # XXXX Case # XXXX Case # XXXX XXXX XXXX of XXXX NC was the last Wellsfargo representive I spoke to about check fraud but after speaking XXXX XXXX in executive lines & loans he allowed a sales agent to open an installment loan I did not ask for & refused to get underwriting to correct the account request to my open credit line. This is forcing me to pay for an account I did n't want & I explained for 3wks that is was a credit line increase I asked for & should honored to receive due to poor customer service.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (FL)

This company has an unknown item listed against me. I have disputed with no response back from them. I have no idea what this is and there is always something listed which does n't belong to me. Please help
Consumer complaint received 2015-04-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (CA)

Recieved a letter from XXXX XXXX with XXXX XXXX Stating that i owe a debt for a bank account with Providian National Bank which ive never held an account with.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

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. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : USBK Court XXXX Illinois Docket # XXXX USBK Court XXXX Illinois Docket # XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

This company claims to be a capital one credit card. They say my original debt was {$850.00} but it's gotten up to over {$3000.00} in fees. I told them to send me any information via regular mail. If it's the same company, they have been calling my parents. I told them that if I do owe the debt, I need to see it in writing otherwise I believe they are a scam. If it's the same company, they are calling my parents a lot. They said they are going through XXXX County courts but I called the courts and they do not back up what this company is claiming. I am fine in my county.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

Equifax continues to report that I have a tax lien from the State of XXXX and although they say it has been removed, it continues to remain on the report It is in the amount of XXXX and was inaccurately posted when I lived in XXXX, XXXX and had to prove XXXX residency.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to XXXX. I was robbed at XXXX point for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot XXXX to get a place to live, bank accounts or credit because of thus theft. please help me
Consumer complaint received 2016-06-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MI)

My mortgage company ( US Bank Home Mortgage ) is telling me that I still have 38 years left in my mortgage that was signed back in 2003. I dispute that and I am absolutely sure that I did not and would never sign a mortgage for more than a 30 year term. 
I have contacted them multiple times - phone call, email, and registered mail for any mortgage statements they have with my signature agreeing to such a loan. They have failed to respond. Meanwhile they are about to foreclose on my house.
Consumer complaint received 2016-09-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$43.00} Original Creditor : XXXX
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I submitted a payment to Mohela on XX/XX/24 to pay off one of my XXXX loans. The total amount of the payment was {$41000.00} which I made through my XXXX XXXX savings account. I received a confirmation email from Mohela and confirmation number, saying it would take 2-3 days to process. It initially was processing on their website then disappeared completely. The amount was not removed from my bank account nor did I receive a notification from the bank about this payment. I have called Mohela 4 times since then and they have either told me to wait a few more business days or they cant see this payment and keep trying to make the payment again. Meanwhile, this loan is accruing interest and I do not want to have to pay even more than I already owe.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

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. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : USBK Court XXXX Illinois Docket # XXXX USBK XXXX XXXX Illinois Docket # XXXX
Consumer complaint received 2017-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focus Holding Company (MA)

Company is reporting on all    XXXX    credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail
Consumer complaint received 2015-10-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC (MO)

In XXXX 2014 XXXX issued a phone number to me for new smartphone. A few months later I began receiving calls once or twice a week from XXXX in XXXX, NC. The calls are continuing. From online search I found info that says this is a debt collection agency. My phone number is on Do Not Call list but it says that debt collectors can continue to call. I have never had a debt problem. No reason for them to call me. Is it possible that someone else with a debt problem had this phone number before me? How to make them stop calling?