davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I did a cash out refinance through XXXX XXXX. They used XXXX  XXXX XXXX agent, XXXX XXXX who was instructed to payoff Wells Fargo loan number XXXX. 

She requested a Payoff from Wells Fargo Home Mortgage and the statement was received on XX/XX/XXXX. The payoff statement indicated wire instructions and that the amount needed to pay off the loan was {$66000.00} and that the payoff amount was good through XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX wired the amount of {$66000.00}. 

I received a collection call in mid XXXX stating that my mortgage payment was late. 

I called but they couldn't seem to figure it out. So I went into a branch. XXXX XXXX XXXX and then XXXX XXXX XXXX of Wells Fargo sat down and reviewed it with Me. 

XXXX then pulled up the mortgage account. He said that it appeared that Wells Fargo received the money but didn't apply it to my account until XX/XX/XXXX resulting in interest and therefore it appears to the system it's not paid off. 

They created a ticket number XXXX and they said it should be fixed in a couple of weeks. 

I got another collections call XX/XX/XXXX. I'm afraid that this is effecting my credit not to mention how much time I've wasted dealing with this. 

They told me I can just pay it and it will be paid off but I don't owe them anything. I don't know what to do! 

XXXX XXXX XXXX XXXX XXXX
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 — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This account is reporting a late payment status with Experian, but reporting current with XXXX. This account also does not report a credit limit or any amount nor reporting as a closed account. This information has been reporting to Experian and XXXX, but left on my report to continue to cause damage, Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Consumer complaint received 2024-03-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC (FL)

I applied for a loan and was denied over XXXX months later the company illegally put panels on my roof that was not approved by the city of XXXX nor approved by myself thus they stared automatic withdrawals of XXXX
Consumer complaint received 2024-03-09
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I am a victim of identity theft. Someone used my identity information to open an account with XXXX XXXXFirst National Bank of Omaha ( FNBO ). 

On XX/XX/2023 I received a voice message from FNBO that there were suspected fraudulent charges on my XXXX XXXX XXXX XXXX. I did not apply for or receive a XXXX XXXXXXXX XXXX XXXX. Shortly after I started receiving letters in the mail from FNBO about fraudulent charges, and received statement of charges owed. I've been corresponding with their fraud department via certified mail for the past few years and all that has been provided by FNBO is a form letter stating that they are not required to investigate the dispute. This, despite sending them copies of my driver 's license, filed police report and identity theft report filed with the Federal Trade Commission. 

Other credit cards were opened by others falsely using my information around the same time, but I have been successful in resolving these disputes. I need help getting FNBO to investigate the dispute further and provide the requested information.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

I have requested the following items from Radius Global Solutions twice in the past two months and all I have received is the billing statements which is not what I requested.

1. The Purchase Agreement that Radius Global Solutions has with the alleged original creditors.

2. The full contract agreement I allegedly signed with my full wet verifiable physical signature from said original creditors.

3. Documentation demonstrating how Radius Global Solutions acquired the debts, how much it was purchased in a dollar amount by Radius Global Solutions, and how they accessed my personal information including emailing me which I never contacted them ever through email or any other means of communication.

4. The agreement and contract with Radius Global Solutions with my full wet verifiable physical signature stating that I owed a debt to their company and allegedly agreed to pay it.

5. The business license for Radius Global Solutions to collect on alleged debts in the state of Texas.

6. Copy of the chain of custody to collect the alleged debt from original creditors to Radius Global Solutions.

None of these things were sent and they clearly can not verify any of these I am requesting the alleged debts, along with my personal information, be removed from their systems and erased from my credit report.

Radius Global Solutions also emailed me without my knowledge or consent on 1.31.2024 about this alleged debt which is a violation of the FDCPA.

This alleged debt has been reported as closed and charged-off accounts and according to 604 15 USC 1681B of the FDCPA they are not to be put on my credit reports and this company has failed repeatedly to validate the alleged debts as well. I read them all through the CFPB Database of Agreements and not one of the credit agreements states anything about the alleged debts being sold to a third party to be collected in my name and making me responsible for them. Radius Global Solutions pays XXXX  cents on the dollar for these debts as well and demands consumers pay the full amount that was already charged off by the original creditors and reported on their taxes for tax breaks.

I appreciate your help in this matter. Thank You.
Consumer complaint received 2024-03-09
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Medical Data Systems, Inc. (GA)

I received an email from Medical Data Systems XX/XX/2024 asking me to click on a link to pay or call them at ( XXXX ) XXXX. They are requesting {$210.00} from XXXX XXXX XXXX. I do not have a pass due bill with XXXX. I believe this company was able to contact me due to my email address being on the dark web. I do not have a mailing address to send a cease communication letter. I am afraid to call because then the company will have access to my phone number.
Consumer complaint received 2022-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I check my credit report and I see that there is a inquiry from CAP ONE NA on XX/XX/2022. I did not authorize the inquiry and I dont have a CAP ONE credit line, card, account etc. I would like the inquiry removed due to the fat that I did not authorize this inquiry.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$0.00}, {$10000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I submitted my rent payment using my XXXX XXXX with the rent protection feature turned on. I updated my rent protection payment account on XX/XX/XXXX, however, XXXX did not debit the new account, instead, XXXX attempted to debit the old account on file. I was informed of this issue on XX/XX/XXXX and after several emails and chats, a representative by the name of XXXX confirmed that XXXX would reattempt to debit my account on XX/XX/XXXX. However, on XX/XX/XXXX I received an email from a rep by the name of XXXX asking me to change my account to pay my rent, I emailed him back asking for an explanation but did not get a response. On XX/XX/XXXX I also spoke to a live agent named XXXX, who was incompetent and stated that an account number that's not even mine was debited. I informed them that the information she had was wrong, and she immediately disconnected the chat. A few hours later I received XXXX sent an email stating that my rent was still processing. However, my landlord confirmed that the rent was in fact returned on XX/XX/XXXX. Now I'm forced to pay fees due to this issue. 
I can't speak to anyone to resolve this issue because XXXX doesn't have a customer service line and no one has responded to my multiple emails and chat requests. XXXX needs to resolve this issue and fix my rent payment. I also need to be compensated by XXXX for all the late fees and additional fees I have and will have in the future do to being locked out of my rent portal. If this is not addressed immediately, I will turn this matter over to the attorney general and the FTC.
Consumer complaint received 2024-03-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

On XX/XX/2023, my partner and I received a debt notification from " Columbia Debt Recovery LLC DBA Genesis " along with a statement for a " move out cleaning fee '' of {$150.00} from XXXX XXXX XXXX. We responded and formally disputed debt the same day. In the dispute, we made them aware that the debt collection is unlawful as per the California law Civil Code 1950.5, " tenants are not responsible for ordinary wear and tear, and no charges for cleaning of wear and tear are allowed... The burden of proof lies with the landlord to provide evidence supporting any cleaning charges. '' In light of these legal requirements, I requested they provide me with an itemized statement as specified by California Civil Code 1950.5, Section F, including the texts of paragraphs ( 1 ) to ( 4 ) of Subdivision ( b ). I also requested to include the necessary documents as outlined in Section G of the civil code, providing a clear breakdown of charges incurred for cleaning that they are claiming are beyond wear and tear, including the details of the work performed or the invoices/receipts from the relevant service providers.

To assist in reviewing the relevant laws and guidelines, in the dispute I included the website link to California Civil Code Section 1950.5, which can be accessed at [ XXXX XXXX XXXX XXXX XXXX XXXX ]. Additionally, I provided the website link to California 's Tenants and Landlords Rights and Responsibilities guide, which can be found at [ https : //www.courts.ca.gov/documents/California-Tenants-Guide.pdf ]. 
The debt collector sent the invoice, rental agreement lease and move out statement however failed to provide what is required by California Law which is an itemized statement required to show damage beyond wear and tear which requires a professional cleaning. I made them aware that it is lawfully required to show exactly what was done to fix the apartment, a blanket cleaning fee does not suffice the requirement. I also made them aware that to continue to ask for this payment without the required documentation is now a violation of California 's Rosenthal Fair Debt Collection Practices Act.

Instead of receiving an answer with the lawfully required documentation, the debt collector sent the collection amount to the Credit Bureaus and the derogatory mark of the debt appeared on our credit reports. In addition, the debt collector did not tell the Credit Bureau 's that we were formally disputing the debt, which they are legally required to do.
Consumer complaint received 2022-08-12
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. (GA)

On XX/XX/2022 I contacted all three credit bureaus ( Experian, XXXX and XXXX ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.
Consumer complaint received 2024-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (MA)

My mortgage lender, M & T bank accepted XXXX mortgage payments that were transferred from my checking account directly to my mortgage account through online banking. They then returned all three of the payments, claiming that I was too far behind to make the payments. I needed to make a lump sum payment, and put my home in foreclosure, for being XXXX payments behind. Although I still havent received a dime, the bank claims that my money is being returned to me so I had to come up with XXXX payments plus fees at once, without them already returning my other made payments. To add insult to injury I was then told that I had to make the payments at a XXXX XXXX location which charge charged {$22.00} and because the payment was so high. I had to do XXXX transactions so {$45.00} and XXXX XXXX fees on top of making me pay mortgage payments that I already had paid
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: Experian Information Solutions Inc. (PA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I have ordered a ticket to a car event for {$58.00} on XX/XX/2023. I realized I can't make it to that event and contacted the vendor a few times a few days after. All in person and they could not find the person to go to for this matter. Then I called chime on XX/XX/XXXX to mention the transaction. They assumed it wasn't authorized and closed my card and sent another one. When I clarified that it was authorized, they said it was too late. On the same day, the claim has started. On XX/XX/XXXX they said " no error occurred '' and I rebuttaled the same say. On XX/XX/XXXX, they emailed me for more information regarding, again, if it was authorized and what had happened to get to that point. I replied I authorized the charge and i tried contacting the seller with no response.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I called in to dispute a late payment and received no help. I have been a customer for over XXXX  years and have never missed a payment. 
the company repeatedly hangs up on me, and offers no help at all whatsoever. 
I asked to speak to a supervisor and the supervisor was no help, and closed my account without my confirmed consent and charged off my account as bad debt after I had just made a XXXX payment a week prior. this has destroyed my Credit report, and when I call in to ask for an explination I'm hung up on and offered no help! the people that I talk to refuse to re open my account or correct any wrong doing
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (OH)

In XX/XX/2024, I asked to change my due date to the XXXX of every month. 

I have never been charged any interest on my credit card payments - I always pay full statement balance. 

The issue is the XXXX Statement- the previous month with a balance of {$170.00} - i paid my balance in full with also the purchases made throughout XXXX which can be seen on the statements attached. 
But there was a purchase for my phone bill on the XXXX of XXXX. But they have charged me interest on the purchase made as if it is over from a previous month. 

I am concerned at the haze of clarity I have gotten from them when i have spoke to them on the phone, but even though it's {$3.00} i wanted to bring this to the consumer financial protection, because this bank is known for previous incidents. There is no way i should be charged interest on a purchase made 5 days before the statement was issued, when my final months balances have been paid off.
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: Experian Information Solutions Inc. (CA)

I XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies Experian, and XXXX. It has been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make it clear that this Identity theft was not made in error by me, a consumer, as stated in 15 USC 1681c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX and Experian reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (TX)

XXXX XXXX XXXX is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

I did not sign any contracts with XXXX XXXXt- The original Creditor is XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (NJ)

My credit is being illegally charged by Lockhart , Morris & Montgomery Inc . They keep applying a medical debt of {$520.00} to my credit report when it is illegal to do as such. It gets deleted and they keep re inserting it into my report. I am a XXXX recipient and have been at the time of my emergency hospital visit. It is illegal to charge active XXXX recipients or those presumptively applicable for emergency medical services. I let Lockhart know that it is illegal as well as did several disputes and showed them the actual law as well as my XXXX plan.XXXX XXXX XXXX