davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

I am filing a complaint regarding a consumer mistreatment from Wells Fargo Bank. It began with me losing at least {$10000.00} USD on XX/XX/2022 due to a couple fraudulent transactions from my Wells Fargo checking account. There were at least XXXX unauthorized transactions that contributed to that amount and I've requested disputes for all three transactions only to receive a letter stating that they've determined those transactions as authorized and simply closed my claim because they did not see any processing errors. My banker advised me to file an online police report regarding the case and I did just that ; only to see that my case remained uninvestigated over a month after filing the case. 
Later on XX/XX/XXXX, there were another XXXX  unauthorized transactions from XXXX which added up to {$370.00} USD that were lost. I visited my banker again during the same week and they assured me that Wells Fargo would refund me for my lost {$10000.00} USD plus the {$370.00} in the next XXXX business days upon that visit. XXXX weeks passed and I never was credited for the lost amount. Considering that I am currently XXXX, this not only caused a huge loss for my finances but also a massive emotional distress that has been occurring since the last few months ; especially due to the fact that it took almost a whole year to earn XXXX XXXXXXXX through hard labor.
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (GA)

I recently sent a dispute letter to XXXX  and Equifax on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My mortgage company forced a homeowner 's policy on my account EVEN THOUGH I HAD PROVIDED and maintained coverage. They increased my monthly payment and opened an escrow account without my knowledge or approval. Since I was on a paperless plan, all of their communications were going to my spam folder, and I was unaware of all this for a period of 3 months. They have sensed reduced my payment back to the original amount, credited my account for the unnecessary forced homeowners policy, however they refuse to refund the balance in the escrow account I never requested nor was aware of. The representative, " XXXX '' who is handling my case called today and informed he he was " extending the case '' ( for the third time ). He refused to give me any explanation and also refused to let me speak with his supervisor. Since they have already reduced my payment AND credited me back the policy premium, there is absolutely no reason to delay refunding my escrow balance. It was been almost 45 days and he originally promised me that the case would be closed by XX/XX/XXXX. He extended it to XX/XX/XXXX, and now again until XX/XX/XXXX. The only possible reason is that they are keeping my money to earn interest. I therefore demand that they add interest for every additional day they refuse to refund my money. 

XXXX XXXX XXXX
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank toke for XXXX dollars today the whole bank was in on it. Made look like I was nothan.i work as XXXX XXXX XXXX for California an XXXX. This the second time JPMorgan 's has done. He the real hacker an theif.i know he say to invest into his business after you get paper an. The document in go to bank to your money an there is none.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

Apartment Scam-XXXX employs unconscionable practices to exploit Tenants. This is a sophisticated scam to extend the Tenant 's rental term, dramatically double or triple the Tenant 's monthly rent by the use of high pressure sale tactics and written threats by Hunter Warfield to destroy the Tenant 's good credit rating.
Consumer complaint received 2022-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I contacted Myfedloan multiple times in XXXX and XXXX seeking my payment history for XXXX. I made payments in XXXX, XXXX, XXXX and XXXX. I need this information to satisfy the Maryland Higher Education Tax Credit. When I finally got through to someone in XX/XX/XXXX the third level supervisor said that the system had somehow been blocking my requests. They promised to send my full payment history. I received payment history information for XXXX but nothing for XXXX. My loans were forgiven in XX/XX/XXXX and Myfedloans is no longer in business. Since my loans were forgiven I don't think that I can access this information through XXXX.
Consumer complaint received 2020-08-11
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: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, I submitted a dispute request to all three major credit bureaus, regarding a Wells Fargo Home Mortgage account. The account, the date of first delinquency was in XXXX. I requested the item be removed as it surpassed the 7 years for a negative item showing on credit report. 

I received results that still show the account on my credit report, however, they changed the delinquency date in order to allow it to remain. Wells Fargo even added a few more errors. I even provided written evidence from Wells Fargo and they still cant fix the error. 

Right on the letter it shows the date for over due payment being in XXXX. Seven years would be XXXX, its XXXX.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NJ)

I was in the mortgage process. The agent informed me that they were doing a 10 percent down program and all I needed to do was pay a XXXX dollar fee in which I paid. 2 months later when it got very close to closing he informed me that he apologizes and that the program Is not longer available and that he missed the memo that was explained that to him and that he would refund me my fee. He is now refusing and refusing the answer my calls and emails.
Consumer complaint received 2018-11-21
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. (WA)

XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (MD)

On XX/XX/XXXX, i received a letter from Greatlakes student loan servicing company that my loan is due for payment. I never took any student loan and i have been out of college since XXXX. I know my son had told me in XXXX he want to go to college and since he was a minor the application need to be sign by an adult. He never mentioned student loan. I had asked the young lady who had called my on the phone that i need to reach him and find out. He is was lured by this private college in New York with promises of free scholarship which never happen. He was stress out with the school registering him for classes he never have any interest in and he was frustrated and dropped out. We have searched for him in the last 3 years and no information about him. Whether he alive or dead we don't know. My problem is how is it that a kid who never finished a semester his father is told he owe {$40000.00} and i never signed a student loan. I will never sign for anyone not even myself to go to a private school in XXXX New York? The most expensive place in the world. I worked as a XXXX XXXX for the XXXX XXXX XXXX I am recovery from a XXXX XXXX XXXX. The New School deceived and fraudulently induced my son into all this issues. It's bad enough i have lost my only child and been asked to pay money i never sign for is injustice of the highest order. Please help me, i can not afford an attorney with my small salaries that i spend more than 25 % on medicine to stay alive.
Consumer complaint received 2020-08-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (IL)

My mortgage was discharged on XX/XX/XXXX in Chapter XXXX Bankruptcy according to Chase Bank records. Chase Bank established an escrow account and I received an " Escrow account statement '' dated XX/XX/XXXX that would more than double my existing mortgage payment from {$1000.00} to XXXX. 
RESPA prohibits loan servicers from demanding excessively large escrow accounts. 
Case # XXXX was opened with Chase Bank on XX/XX/XXXX. 
I attempted to contact my Relationship Manager, XXXX XXXX XXXX, to eliminate or reduce the excessive escrow amount. I made my latest phone call to XXXX on XX/XX/XXXX. 
An agent at Chase Bank, XXXX, was not able to connect me to my Relationship Manager, XXXX XXXX XXXX to discuss. 
I spent an hour on the phone, much of it on hold. 
Chase Bank has not resolved the escrow issue to my satisfaction.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

This is in regards to a refund on our cancelled flight .We called XXXX XXXX at XXXX ( XXXX time ) and was on hold for a long time and have to hang up.Called again on XXXX XXXX at around XXXX and spoke to a representative who said she's connecting me to travel dept., was on hold for the rep for over an hour and the call dropped.Called on XXXX at XXXX US time and spoke to XXXX   who suggested to call back at XXXX Eastern time ( XXXX XXXX  CA time ) the next day. On XX/XX/XXXX, spoke to XXXX who cancelled the flight and told us that the money will be refunded back to original form of payment w/c is my US Bank flexperks travel rewards card. XXXX XXXX, talked to XXXX who said that the flight was already cancelled and to wait for 1-2 billing cycles to get the partial refund .XXXX  XXXX talked to XXXX who said it's still awaiting for the airline to give the refund.XXXX  XXXX talked to XXXX who said to wait another 4-6 weeks for the refund. XXXX XXXX talked to the supervisor, XXXX with ID # XXXX who did some updates and reporting on the computer on this issue. We told her that we are filing a complaint on this case because it's been almost 5 months and their representatives has been giving us different reassurances /info every time we called. It's been 5 days since our last conversation and no email or any sort of response hence we file this complaint. 
Thank you for your help and kind consideration on our behalf.
Consumer complaint received 2022-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

I received notice to pay a medical bill for XXXX XXXX  back in XXXX. I paid the entire amount owed on XX/XX/22 in the amount of {$310.00}. I continued to received collection notices from XXXX into XXXX, ending with a XXXX notice and threat to send to collections. I called them on XX/XX/22 to let them know I had already paid, online through the XXXX portal on XX/XX/22. They called back on XX/XX/22 and left me a message that they received the payment. On XX/XX/22, I receive a debt collection notice from Transworld Systems , Inc for this debt to XXXX. I called TSI on XX/XX/22 and explained that I had paid this on XX/XX/22, they said XXXX will send an update about payment and they will close this out, but they have not yet received that update. I called XXXX on XX/XX/22 and left a message for a call back from a live person to discuss the incompetence with my account and that this must be resolved immediately. XXXX clearly has an incompetent billing department having sent 5 notice to pay after I had already paid the account.
Consumer complaint received 2021-07-10
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: PlusFour, Inc (VA)

I am a XXXX years old senior, living on ( {$800.00} ) social security a month and covered by XXXX and XXXX insurance, I already disputed these three charges, all my medical charges were covered and paid by XXXX and XXXX, but these three collection ( it seemed are Over charges for Unnecessary visits for no Treatments, just to keep charging the XXXX and to keep charge me extras for no medical need ), I field a dispute and my dispute was investigated by XXXX  and it was Removed from and deleted from my credit report as shown below, But these three collections accounts Still showing on my credit report by XXXX XXXX XXXX despite my repeated letters and dispute to both agencies but got no satisfactory conclusion and response, this irrespirable behavior by these collection companies and reporting agencies caused me Great Harm and Denial of credit applications, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - these are the three collection : 3 - collections {$860.00} Reported balance PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00}. These -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- These Three collection was reported by : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is from TransUnion : Accounts In Collection Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is from XXXX, it was removed and deleted from my credit report, Your Dispute Results Investigation Results Print Report Created On : XX/XX/2021 File Identification Number : ( XXXX ) Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS - DELETED : The disputed item ( s ) was removed from your credit report.

In response to your dispute, these three items was DELETED from your credit report. PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Thank you for your attention, my email ( XXXX ).
Consumer complaint received 2023-01-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

I had opened an account the account was closed down and my money was gone out of the account and when I called I was hung up on several times then about 3 months later an account was opened in my name and I had no knowledge it was closed completely and im not unable to bank in my name through bigger banks due to fraud situation this all took place in XXXX
Consumer complaint received 2023-01-22
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I tried to have a wrong address removed through your website, however Equifax removed 5 CORRECT addresses I had resided in for almost 5 years OR MORE ERRONEOUSLY ... 
I NEVER ASKED IN MY COMPLAINT REMOVAL OF FIVE OF THESE ADDRESSES ... 
PUZZLED AS HOW AND WHERE FROM THEY GOT THE IDEA AND TOOK THE INITIATIVE OR RIGHT TO DO SO. I HAD ASKED THAT THEY REMOVE ONLY THE XXXX ADDRESS, AND THAT THEY RE-INCLUDE ANOTHER ADDRESS ON XXXX  THEY HAD REMOVED ERRONEOUSLY WHEN IN XXXX  I HAD TRIED TO REMOVE ANOTHER ADDRESS THAT DID NOT BELONG TO ME ... SO ONCE AGAIN, THIS TIME AROUND THEY REMOVED 5 CORRECT ADDRESSES INSTEAD OF 1, IN XXXX AGAIN ERRONEOUSLY. ( I ASKED EQUIFAX TO CORRECT, REINCLUDE THE ADDRESS IN XXXX, I WAS PROMISED, GOT THE CONFIRMATION, IT WAS NOT INCLUDED IN CURRENT REPORT ). 
SO I AM DEEPLY CONCERNED FOR MY CREDIT REPORTS HISTORY GENERATED BASED ON ALL THESE ERRONEOUS ACTIONS. WHY IS IT SOOOO HARD, DIFFICULT TO GET A SIMPLE PROCESS OF REMOVING A WRONG ADDRESS, WHY DO THEY BECOME MORE CREATIVE AND DELETE THE CORREC ADDRESSES? HOW CAN WE TRUST A COMPANY ON ANY OF OUR PERSONAL INFORMATION? I GET DAILY BASIS PROMOTIONALS TO BUY THEIR SERVICES ... BASED ON THESE EXPERIENCES I AM ALMOST CONCERNED ABOUT ANY OF MY PERSONAL INFORMATION IN THEIR POSSESSION ...
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (NC)

First Progress has put derogatory remarks on my credit after I was administered an admin charge to my card but I was never sent the invoice. This is a problem that I tried to call and talk to them about but due to COVID their staff is running shorthanded and when I would call in the automated voice would tell me that they are shorthanded and the wait time is large and then it would tell me to call back and then hung up. I was never able to speak to an employee there. 
This complaint about XXXX XXXX not sending me the mailed invoices is not new, this is the second time I have had this issue and I am still seeking resolution for both times. I have actually brought this to their attention back in early XXXX. I called in early XXXX and their employee told me they would fix the mailing issue and informed me to file a goodwill letter and mail it to them and they will remove the derogatory remarks from my credit file. First Progress has this call on file and it was recorded. I sent them the letter on XX/XX/XXXX and I have a copy of this letter. XXXX XXXX at XXXX XXXX is insisting that they never received a copy of it. I have sent a copy of this letter again to XXXX XXXX and it was notarized and the mail was sent to him via certified mail on XX/XX/XXXX of this year. Just as XXXX XXXX is insisting that they never received the first goodwill letter, I am insisting that I havent been receiving invoices from them and could not have known about the admin charge. I stopped using this card so I knew I wouldnt have a balance with them. 
I now have negative remarks on my credit file in XXXX of XXXX that I want reversed. I have also provided reason for reversing the negative remarks from XXXX and XXXX of XXXX as well as XXXX of XXXX. 
XXXX XXXX told me in the last CFPB complaint to reach out to him if I had further questions or concerns. I mailed him a letter as well as all of my paperwork that I have kept. I mailed him certified mail that shows delivered and it was sent on XX/XX/XXXX. Furthermore, I had that paperwork notarized and I have not heard back as of XX/XX/XXXX. My account is now closed with First Progress and they are not communicating back to me.
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-08-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}, {$130.00}. 
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 ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.