davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (WI)

I am writing to express my deep concern about the treatment I received regarding my mortgage during the COVID-19 pandemic and its aftermath. As a loyal customer with a perfect payment history for 15 years, I am deeply disappointed by the actions taken by your bank, which caused significant financial and personal hardship for my family. 

Details of Events : Due to the economic impact of COVID-19 on my small business, I opted for a 6-month mortgage payment deferment program offered by Wells Fargo.

The deferment program was extended for another 6 months.

Immediately upon the end of the deferment period, Wells Fargo demanded full payment for the entire 12 months, threatening foreclosure if not paid in full. 

Multiple Attempts at Renegotiation : Despite repeated attempts to discuss alternatives, such as restructuring the loan or adding the deferred payments to the end of the term, Wells Fargo refused any options except immediate full payment. 

The house was paid in full on XX/XX/XXXX and never entered into a foreclosure process. 

Impact on Health and Family : This stressful situation being forced from our home and community of 15 years had significant impacts to my wife 's health, contributing to her hospitalization for XXXX, as documented by her physician. 

Forced Relocation and Financial Losses : To avoid foreclosure, I sold our home at a significant loss, estimated at over {$100000.00}, due to the soft market. We relocated to a small, unfinished cabin we previously owned, effectively restarting our lives in a new location. 

Business Disruption and Credit Damage : The move forced me to restart my small business in a new market, incurring significant financial losses and jeopardizing my livelihood. Additionally, this ordeal has negatively impacted our personal credit, putting us at risk of bankruptcy. 

Legal and Ethical Concerns : I am deeply concerned about the following aspects of Wells Fargo 's handling of our situation : Compliance with XXXX XXXX Guidelines : As per XXXX XXXX rules, deferred payments under the Federal Cares Act should be added to the end of the loan, which was not offered in my case. 

Lack of Communication and Transparency : Despite promises of a dedicated resource reviewing my case and providing a response within 10 days, I have received no communication or updates from Wells Fargo since XX/XX/XXXX. 

Ethical Treatment of Customers : As a loyal customer with a perfect payment history, I believe the aggressive tactics and lack of flexibility employed by Wells Fargo were unfair and caused undue hardship for my family. 

Request for Resolution : I urge Wells Fargo to immediately review my case and offer a fair and just resolution.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

On XX/XX/2022, I made an online purchase of a XXXX XXXX from Home Depot XXXX The price of the lawnmower was listed at {$310.00}. While making this purchase, I applied for and received veteran discount status. After requesting the veteran discount rate of 10 % for this purchase, I received a discount of {$31.00}, bringing the total purchase price down to {$280.00}. 
I was now ready to make the purchase and proceeded to check-out. My intent was to use a credit card that I already had. However, I was next prompted by Home Depot to consider opening a charge account, and if so, I would receive an additional {$50.00} discount just for opening it. At this time, I applied for and was accepted for a Home Depot Credit Card Account. I then proceeded to check-out and make the purchase. 
When I received my receipt online via e-mail, I noticed that the {$50.00} discount was not granted. I called and spoke to Home Depot Credit representative and he stated that the discount will show up as a statement credit and not to worry. 
I received my statement dated XX/XX/2022, and there was no indication of a {$50.00} discount being applied. 
I phoned Home Depot Credit Services again on XX/XX/2022, and after a half hour of waiting for a representative to rectify the mistake, I was informed that since I had already received a discount of {$31.00} based on my veteran status, the {$50.00} discount that was offered to lure me into opening a charge account does not apply. 
I had no intention of opening this account, but I couldnt pass up a savings of {$50.00}. 
Home Depot used deceptive means to lure me into opening an account. 

I would like {$50.00} applied to my existing Home Depot Credit Card balance.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One shut down two credit cards I had with them, and cashed out my reward points at 50 % of their value. Specifically, my Capital One Venture One card ending on XXXX had XXXX points that were cashed out as a " cash back reward '' for {$900.00}, causing me a loss of {$900.00} compared to " travel reward '' redemption option. My Capital One Venture X account ending on XXXX points were also cashed out as a " cash back award '' at 50 % of their value {$550.00}, likewise causing me a loss of {$550.00} compared to " travel reward '' redemption option. Additionally, I paid a {$390.00} annual fee for the Venture X card on XXXX XX/XX/XXXX, and Capital One Customer Service refused a full or pro-rated refund after the associated credit card account was shut down in XX/XX/XXXX. Thus, the total loss of my reward points value and annual fee equals {$900.00} + {$550.00} + {$390.00} = {$1800.00}. I can add that I always paid my Capital One bills on time and have excellent ( XXXX ) credit score, and I even have no issue with Capital One not wanting me as a customer as of last year. But theft of half of my accumulated rewards and at least half the value of the annual fee that I paid on one card is not okay.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has violated my rights under the Fair Credit Reporting Act. 

15 USC 1681 Section 602 - I have the right to privacy. 15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX : Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. state 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 an account without my written instructions. 

I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX : Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date and date of last activity and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to and consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-16
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: National Consumer Telecom & Utilities Exchange, Inc. (CO)

My credit report was accessed by someone attempting to open a fraudulent credit account ... .... XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD ), after contacting XXXX for my credit information The inquiry caused my current XXXX Card to send me a fraud alert ( which we did sign up for several years ago ). I contacted XXXX XXXX and got the information about the inquiry through XXXX. XXXX operates through XXXX. I had placed a security freeze through XXXX after a fraudulent credit card attempt using them over two years. 

The XXXX XXXX fraud alert services and the XXXX freeze allowed me to observe this latest fraud attempt... .they also recommend freezing credit through other agencies and filing a fraud report to the FTC .

I now plan to freeze my credit through XXXX and XXXX but also found out in this process that many other consumer reporting agencies exist like XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX that participate in offering or selling credit information for any and all credit inquiries as well ... ... .I believe a security alert/ credit freeze due to fraud for one institution should be issued for all agencies simultaneously ... ... .and maybe these agencies could more diligent in safe guarding consumer information without placing the burden on the consumers themselves.

Additionally, the USPS also contacted me with a change of address request that I did not make.

I had to go through many steps to acknowledge and cancel the request through the USPS. I believe the Identity thieves are using USPS change of address request forms in a series of steps to steal consumer identities through the many credit companies and issue fraudulent credit cards
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (KY)

On XX/XX/2021 I had a procedure done at XXXX XXXX XXXX in XXXX, FL. I was given a quote, they billed my insurance, and I payed the bill before the XXXX even took place. On XX/XX/2021 I received a call from a debt collector letting me know that I had an unpaid bill from XXXX XXXX XXXX XXXX in the amount of {$200.00}. I had received no bill, calls, or emails from XXXX XXXX XXXX XXXX regarding this charge. I looked at my online patient portal at the hospital and I had no outstanding charges. After talking with the debt collector, I realized that XXXX XXXX XXXX XXXX had found an address that I had not lived at in years. This address is different than what was on my driver 's license, patient portal at the hospital, registration forms for the XXXX, and insurance. They never tried to call or email me before selling my bill to a collections agency. They never checked with the hospital or my insurance company for my address and I am not sure how XXXX XXXX XXXX XXXX obtained this old address. The bill has now been paid in full as of XX/XX/2021.
Consumer complaint received 2022-06-16
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. (CO)

My credit report was accessed by someone attempting to open a fraudulent credit account ... .... XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD ), after contacting XXXX for my credit information The inquiry caused my current XXXX XXXX  to send me a fraud alert ( which we did sign up for several years ago ). I contacted XXXX XXXX and got the information about the inquiry through XXXX. XXXX operates through XXXX. I had placed a security freeze through XXXX after a fraudulent credit card attempt using them over two years. 

The XXXX XXXX fraud alert services and the XXXX freeze allowed me to observe this latest fraud attempt... .they also recommend freezing credit through other agencies and filing a fraud report to the FTC .

I now plan to freeze my credit through XXXX and Equifax but also found out in this process that many other consumer reporting agencies exist like XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX that participate in offering or selling credit information for any and all credit inquiries as well ... ... .I believe a security alert/ credit freeze due to fraud for one institution should be issued for all agencies simultaneously ... ... .and maybe these agencies could more diligent in safe guarding consumer information without placing the burden on the consumers themselves. 

Additionally, the USPS also contacted me with a change of address request that I did not make.

I had to go through many steps to acknowledge and cancel the request through the USPS. I believe the Identity thieves are using USPS change of address request forms in a series of steps to steal consumer identities through the many credit companies and issue fraudulent credit cards
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (OK)

XX/XX/2023 I contacted XXXX XXXX XXXX ( Electric Company provider ) and requested service be turned on at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX the rep. said he a XXXX fee to connect new service, ask me date service was to be turned on I don't have the exact date she said I have a bill amount for XXXX. You must be looking at another account I ask for the address that this bill came from she could not provide me with the address this bill was attached to. She said she would email me analysis of the bill. When I received email all it's stated was an amount owed and my name, I have never had service in my name with XXXX XXXX XXXX. That's fraud they can not produce the address the bill was for. My electric was turned on for 3 days then shut off I received a bill that stated " final bill " at the address I was moving into XX/XX/2023 for 3 days {$820.00}. I contacted my property manager and explain what happened she said I could pay my electric bill at the office, she bypassed XXXX XXXX XXXX. I mailed XXXX XXXX XXXX office directors 3 letters registered mail requesting documentary evidence of the amount I allegedly owed. XXXX XXXX XXXX Never responded, except public debt collector. I keep getting a pop up telling me my session is going to timeout. So I did want to include TITLE 16 CFR 313 regarding privacy of my personal financial information XXXX XXXX  XXXX failed to provide me there privacy notice or an option to opt out giving my information to a third party i. e. XXXX XXXX Credit Report Bureau. I demand they remove from my report ONLINE INFORMATION SERVICES debt collection amount {$620.00}.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : - XXXX XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX, XXXX ; ( Inquiry ) - XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX  XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX  XX/XX/2021 ; ( Inquiry ) - XXXXXXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX  XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 XXXX ( Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( XXXX ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX, XX/XX/2021 ; XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, Account # XXXX ; {$2800.00} ( XXXX ) - XXXX Bank, Account # XXXX ; {$3000.00} ( XXXX ) XXXX XXXX Bank, Account # XXXX ; {$3500.00} ( Transferred ) - XXXX Bank XXXX Account # XXXX ; {$4500.00} ( Transferred ) - XXXX XXXX ( not my XXXX XXXX - XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS ) 15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without written instructions.

Please remove from my report.
Consumer complaint received 2020-11-20
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: Velocity Portfolio Group (NY)

On XXXX XXXX, XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

This a continuation of complaint XXXX. As a result of that complaint my interest fees were waved on XX/XX/2021 from months previous to XXXX. While this complaint was being settled, I was charged an additional {$380.00} in interest charges on XX/XX/2021, based off charges that were on my account that was later ruled that it shouldn't be there. I called American Express on three occasions afterward in order to fix this on my account but I never received a call back from anyone. I then paid off my account in full minus about {$300.00} that should've never been on my account due to the previous ruling and was charged {$36.00} on XX/XX/202. I am asking that {$420.00} in interest charges be removed due to that balance only being there due to error from American Express which has already been acknowleged.
Consumer complaint received 2021-02-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (IA)

I XXXX XXXX entered into a consumer credit transaction with NELNET LOAN SERVICES INC on XX/XX/2006. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. NELNET LOAN SERVICES INC then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

I checked my XXXX status and it stated that I have a balance of {$270.00} from XXXX, in which I do not have an account with, reported by XXXX and XXXX to DIVERSIFIED CONSULTANTS INC . 

I contacted XXXX customer service, which had a horrible customer service by the way, and only ended up asking for my social security and hung up on after XXXX transfers. 

I am now more concerned of the customer service representatives obtaining my social security number and on top of that a false status reported by a big company XXXX and XXXX from XXXX to Diversified Consultants Inc .
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

In an effort to acquire a home loan, I was attempting to pay off all collection accounts on my credit report. I contacted Columbia/Genesis Recovery to make an honest effort to pay this off. I told " XXXX '' that I was very willing to pay this debt and wanted to pay them {$200.00} to {$300.00} per month. 
He told me he could take some of the interest off but he needed the balance in full today. 
I also asked him if I paid the payments would it show on my credit report that I am making timely payments, he said it wouldn't show on my credit report until it was paid in full. 
He again refused to take my payments. 
Today I received a call from a " document delivery '' service from the same phone #, this was obviously an attempt to serve me papers for this account. I am at a loss as to what I can do and feel that it is unfair and unethical for them not to take my payments when offered.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (CA)

account was paid off XXXX.my credit report shows a balance of {$720.00} which I never owed spoke with XXXX supervisor at acima ( business name ) XXXX and he said there was NOTHING HE COULD DO he agreed the account was paid off XXXX balance
Consumer complaint received 2021-05-19
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. (AZ)

MY NAME IS XXXX XXXX, I HAVE SUBMITTED COUNTLESS LETTERS TO THE BUREAUS REGARDING FRAUDULENT INFORMATION ON MY CREDIT THAT IS NOT MINE! THE BUREAUS ARENT HONORING MY DIPSUTES SO IM ASKING FOR THEM TO REMOVE ALL FRAUDULENT INFORMATION THAT IS ON MY FTC REPORT!
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My payment was due on XX/XX/year>, which was Sunday. I called the company on Monday XX/XX/year> to make a payment, and was advised that since the due date was on Sunday, and if I make a payment today by automated company system, my payment will be considered timely. As instructed I made a payment. However, on the next statement to my surprise I was charged late fee. My statement clearly indicates that the payment was made on XX/XX/year>. I called the company to clarify and remove late fee ( XXXX ) and spoke to female manager by the name of XXXX id # : XXXX, who told me that my payment was " late '', and she will not be able to remove " late '' fee. 
It is my understanding that according to current rules my payment was not late and I should not be charged late fee. 
All documents can be provided upon request. 

I