davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (TX)

I just checked my account at Fidelity Visa last 4 numbers XXXX It said that my account had been referred to collections. 
Been a customer for a few years and now with this COVID-19 virus causing so many problems I can't keep up. 
I contacted them several time asking that they help me in some way but being Elan of course they don't do anything to help a customer. The customer is scum at this company and gets no breaks even after paying them for years. 

I was trying to inform them that my social security did not come this month due to a change in bank accounts and of course they don't care anyway. 
Social Security apparently take at least 3 months to do anything. 
Additionally their payment requested was close to {$1000.00} which i couldn't possibly pay anyway. 

The vultures are going to force me into a situation that I can do nothing about. 

Things are starting to recover a bit but they don't care and i can't do anything but wait. I'm not going to go without food to pay thesse leaches that I have tried to work with over and over. 

Its funny how other financial institutions tey to help but these " people '' do not. 
They don't care. They are going to try and ruin me. 
I have tried to be reasonable but they are not listening. I guess they are too far above me. 
Being the XXXX that I am I will just have to battle with the uncaring vicious XXXX  XXXX XXXX controlled XXXX. 

I WANT TO CLOSE THE ACCOUNT AND PAY AS FAST ASS I CAN. 

THAT APPARENTLY IS NOT GOOD ENOUGH Doing all I know to do.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

onXXXXXXXX  i sent dispute letters out, no response, then onXXXXXXXX  i sent out a comply and demand letter still wit no repsonse
Consumer complaint received 2020-08-15
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (CT)

The mortgage company was actively taking monthly payments from my account. The mortgage company had an error with their system and stated I was past due on my account. Below is a copy of the payment date and confirmation for the month of XXXX. In which they are reporting was 30 days late
Consumer complaint received 2018-11-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I have had two separate but similar issues with Navient that have resulted in them capitalizing interest on my account and it I worry that these issues appear systematic and designed. 
I am on an IBR plan and have been for the last 8 years. On this plan I have to submit two documents, my taxes and a IBR application, annually to keep my payment plan. In 2016, I submitted both of these documents and was notified shortly after my the expiration of my current loan period that the IBR application I had sent in was the previous years version ( although when I sent it, it was current ). I was informed that my correction was days late and I was left with capitalization. 
This happened again today. I sent in all my annual paper months ago. When I went to make a payment today I noticed my interested had capitalized yesterday. I called and they informed me that the upload of my document was missing a page. I explained that this error was on their end as my file is complete. I informed them that I could upload the file again today. They replied they the capitalized interest will not be changed. 
Both of these document issues resulted in approx {$40000.00} of capitalized interest.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Yes my name is XXXX XXXX and I had been recieveing number of text to my phone concerning help with housing. WHEN i clicked the link Lexington Law was on the line trying to make me fit a profile model to acommodiate their business model to accommidate to the type of service they provide which was suppose to be debt repair service. inital fee {$4.00}. 
Me and this guy did not even get through the exchange of information process. We kept hitting a wall he was trying to make me fit into the box they had prepared. At this point I realize what they were offering would be of no value to me. At that point I told him so and ended the call. I walked away and I thought he did the same. That was Tuesday XXXX XXXX. On Saturday XX/XX/XXXX, I took a look at my online bank account and noticed my SSI check had posted early which has never happen before early access to my funds before the first of the month. someone inside the bank was allowing direct monitoring to my account to be altered to funds posting. And there it was 2 frauduenlt charges to my bank account in the amounts of {$19.00} and another for {$120.00}. My bill money for the month of XXXX. Which I have no other income besides my SSI in the amount of {$340.00} and SSA in the amount of {$640.00}. So I responded to their email trying to reason with them to no avail.
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Armada Corp. (WA)

I called off a mark on my credit report. The recording said it was a collection agency and that calls are recorded. When the collector XXXX got on the phone she asked a couple verification questions and told me calls are recorded and it is an attempt to collect a debt. Not one time was I given the full XXXX XXXX This is an attempt to collect a debt any information obtained will be used solely for that purpose. I advised the collector XXXX that she had broke FDCPA by not giving me the entire XXXX XXXX she said she did. I disagreed with her and hung up. I then waited a couple of hours and called to talk to a manager that told me because I knew I was calling a collection agency she didn't have to give the full XXXX  XXXX  I advised on first contact you have to or in violation. She said they mailed a letter and that was first contract. I told her I had never spoken with anyone prior to today and never received a letter she claims it is not first contact. Obviously I disagree
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

During the period Wells Fargo Mortgage was being investigated by Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General resulting in levying heavy fines on XX/XX/XXXX against Wells Fargo Mortgage in excess of {$2.00} XXXX for fraudulent activities perpetrated against hardworking mortgage holders. Wells Fargo Mortgage XXXX XXXX Senior VP of Lending and her Executive Resolution Managers devised a scam to changed customers mortgage accounts numbers prior transferring or selling their questionable Mortgage Loans to XXXX XXXX. 
In our case our original Mortgage Loan account number XXXX was change to XXXX for the purpose of hiding prior payments made to the original account. 
To date we have paid a total of {$200000.00} to Wells Fargo Mortgage via Chapter XXXX plan, which the bank have refused to properly credit the accounts by falsely showing total amount paid is {$79000.00} to account new number XXXX while declining to apply or credit monies paid under the old account number. Therefore triggering a direct violation of 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX Bankruptcy Court via a Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXX , XXXX XXXX XXXX , XXXX. And individual located out-side of the United States in the Country of XXXX. 
More disturbing, we are noticing Wells Fargo Mortgage is back at its old game of promulgating our Loan case file to different individuals with zero knowledge of the actual circumstance, each time we respond or provided additional information. For example, on XX/XX/XXXX we wrote to Wells Fargo Mortgage Executive Resolution Specialist Ms. XXXX XXXX DEMANDING for Wells Fargo Mortgage to resolve this long-standing fraudulent matter immediately by correcting the numerous false and inconsistent statements made in writing to the Chapter XXXX Bankruptcy Court and trustee. 

Additionally, Wells Fargo Mortgage continues to demonstrate bad faith in direct violation of U.S. Department of the Treasurys Guidance on Homeowner Single Point of Contact ( SPOC ) by re-assigning our loan-case file and each complaint letter to new employees with limited familiarity to the fundamental cause of the fraud which triggered the Notice of Foreclosure subsequently forcing us to file Chapter XXXX with the Bankruptcy court to protect the property. 
In summary, the same fraudulent activity perperatered on us in XX/XX/XXXX by Wells Fargo Mortgage in Loan Modification Bait & Switch which the bank have refused to acknowledge and rectified has now mushroom into additional fraud by all parties.
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (TX)

XXXX Dear CFPB, I have tried to work with Equifax about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXX enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 
I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from XXXX  still see items that are inaccurately reflecting on my credit report with them. 
I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
Equifax is causing me great harm. 
I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 
Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 
Thank you, XXXX XXXX
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (PA)

Ive asked multiple times to not be contacted by Better Mortgage. The send multiple emails with no opt out, text messages when not opting in and do not stop contacting after multiple requests. Annoying but also a UDAPP violation.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ID)

Credit Bureaus told me that XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2020-08-14
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: LEXISNEXIS (SC)

To whom this may concern i am writing you due my recent credit pull on my credit report. I have reviewed my report and there are several items on my report that are unknown to me. My current address and number is : XXXX XXXX XXXX XXXX, SC XXXX, and my current number is XXXX did not authorize any of the addresses and phone numbers to be listed on my report i am request immediate removal of the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Please also remove all unwanted number from my credit report : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/22 I sent out my payment and I saw that the check was not cased. I call Wells Fargo and they said that they received the payment. The next month I received a payment that was doubled. I paid the amount. On XX/XX/22 I received late charges that I shouldn't have not been on the statement, since I called and they said that they got the payment. Please check this out and let me know if someone is making mistakes there. 
Thanks XXXX
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCash Holding LLC (IL)

I received a loan years ago and paid the loan off. Upon checking my credit I noticed the loan company ( XXXX XXXX XXXX ) reported to the credit bureau the loan is in collections on XX/XX/2018. This information should be removed from my credit report on all three credit bureaus due to the loan being paid off years ago. It's seems to keep resurfacing on my credit report.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

I was targeted for a Chase offer on Chase XXXX XXXX card. The offer did not load to my card and I was unable to accept the offer. i reached out to both Chase and XXXX and was told there was a technical issue at Chase, and that Chase was aware of the issue and would address it. I spoke with Chase and XXXX at least 5 x on this. All of my conversations with Chase were documented in the notes. I met all the terms of the offer ( see attached ) with a stay at the XXXX XXXX XXXX in JXXXX XXXX XXXX. 

Chase owes me {$25.00}.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

Unbeknownst to me, I was involved in a scam and lost {$110.00} through the P2P money transfer service 'XXXX '. Immediately after realizing I had been scammed, I contacted both XXXX and my bank that was linked to the app, Chase. XXXX could not cancel the transaction I made to the scammer but assured me that I would be able to resolve the matter with Chase by simply filing a fraudulent claim on the transaction. My first phone call with a claims rep at Chase assured me that once the transaction cleared that I would be able to file a dispute against it. A few days later I call back and another rep in the same dept. tells me that it wouldn't be possible due to what is essentially semantics. Instead, I went to a Chase branch ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ) and was able to successfully file a dispute against the charge. I received a credit for the {$110.00} and I even went so far as to let them know that I would be able to provide solid evidence that I was indeed scammed and never received the intended product. A few weeks go by and I receive no communication from Chase 's claim dept. about the dispute, which led me to believe that it was resolved successfully. Until this morning when I check my savings account and see that there was a reversal of the {$110.00} on my account and no explanation as to why. I spoke to a claims rep and two different branch reps today and this time made sure to give them the evidence I had about the issue, including emails chains with a XXXX rep that instructed me to deal with Chase directly. I am now missing {$110.00} for second time in two months and Chase seemingly will protect me as a client on my behalf.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (OR)

My house was burglarized on XX/XX/2021. All my information was stolen. Tax information, Birth Certificate, Banking information ( XXXX ) and 401k Retirement and Pension accounts, SocSec numbers. User log ins and passwords compromised for all accounts. Everything, including title to car which was then stolen on XX/XX/XXXX. XXXX Co Sheriff Case # available. I have received information from XXXX XXXX of a fraudulent account opened online in my name as well as an account with XXXX. I have reported these by phone and in person follow up with both. Also reported these fraud accounts identify theft to XXXX Co Sheriff Dept ( additional case # ). Credit freeze was done on XX/XX/XXXX with Equifax, XXXX, XXXX  by phone menu tree. Unsure if they have noted fraud in their record? Phone tree was painful and there seems to be no way to actually talk to anyone. In fact they jumped to trying to sell me something. 
XXXX asked if I had an FTC Complaint #? Not sure what this is so went to www.consumer.ftc.gov/features/scam-alerts which jumped me to this after question prompts. Will I get a #??
Consumer complaint received 2021-07-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (CT)

The contract has incorrect payment dates and amounts and they admitted the entire contract is wrong. Since XX/XX/XXXX my account has been charged the XXXX and XXXX of each month. On the contract the month of XXXX is missing and XX/XX/XXXX and XXXX. The charges are incorrect as well for some payment dates. The XX/XX/XXXX charge says {$150.00} payment due and I was charged {$200.00}, on the XXXX payment due {$150.00} and I was charged {$180.00}.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK (MN)

my computer was hacked by a scammer or persons claiming to be XXXX XXXX, they got all my credit card numbers my state id photo everything my pass words banking info as in reference to on line banking with credit cards, ,they wiped me out i been trying to get things straightened out, but im XXXX XXXX dont pay much, i was taking care of my dad and being paid for that, but he passed away a year ago i was hacked about two months ago but this discover card calls 30 times a day or more from early morning XXXX to XXXX 7days a week they are driving me crazy
Consumer complaint received 2021-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I am unable to access of my credit information from Equifax. They say that they have no information on me, even though I'm able to access my XXXX and XXXX accounts and reports. Equifax has told me to send them my personal information ( name, address, driver 's license and social security card ) in order to access my information. I faxed it to them in XXXX of XXXX, and never heard back from them. I mailed it to them again in XXXX of XXXX, and did not hear back. 

The most recent time I called them ( XX/XX/XXXX ), they told me for the first time to get in contact with my creditors, since Equifax says they don't have information from them. I think this is unlikely to be the issue, since both XXXX and XXXX have my credit history from both XXXX and XXXX. I have mailed a letter ( on XX/XX/XXXX ) to XXXX to confirm that they are providing my information to Equifax.