davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I have been trying to get a loan modification or forbearance with Wells Fargo since 2013. I work in a XXXX and have a 20 % interest that shows on my taxes. I was working with two representatives of Wells Fargo and each requested paystubs bank statements tax returns. One person held up my file for 3 mos.until I could get the business tax returns. 
I tried to explain that I do not own the XXXX I work there I get a XXXX. 
The next person that was assigned said that I did not need the tax returns. Now re-entry said that I can do nothing to saver my home because of the time that lapsed. Wells Fargo created these issues. I had three different underwriters, m one requested documents and he left the company. One Underwriter was transferred this underwriter requested over XXXX documents. The last underwriter and person assigned took less than a day to say that I did not make enough income even after my father provided his taxes and proof of income.There was a sale date on my home. I need help to save my home. My whole family is now living in the house with me. We are all working. I want to keep my home. Please help!
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (GA)

Due to an internal glitch at Franklin American ( their fault ) a payment posted 3 days after I made a payment. It was due on XXXX/XXXX/16, I tried paying on XX/XX/XXXX, but the website was down. I called on the morning of XX/XX/XXXX and the rep assured me he would put it in so it would show posting on XXXX. Well, he did n't follow through causing my payment to post on XXXX/XXXX/16 ... more than 30 days late. Now they 're telling me that I now do n't qualify to have my PMI taken off because of a payment being over 30 days past due and are refusing to do anything about it. IT WAS THIER FAULT I could not make a payment because their website was down and called it in the next day which was STILL within less than 30 days.
Consumer complaint received 2021-05-18
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. (GA)

I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EACH BUREAU AABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THESE ACCOUNTS DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF THESE BUREAUS XXXX EQUIFAX AND XXXX CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED XXXX THEY HAVE CAUSED ME
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

XX/XX/XXXX {$14.00} sign up fee and {$64.00} 1st months fee. XX/XX/XXXX {$89.00} monthly fee and {$19.00} late fee. XX/XX/XXXX {$89.00} monthly fee. Those were fees to dispute and resolve a claim on my account. But for 3 months the status on my account read 0 claims resolved. Them claim was {$1000.00} and i felt as if they're not doing anything to resolve the claim because everytime i contact them i get the same response. We wrote them and we're waiting to hear back. I felt in 3 months they should have heard back from whoever they were waiting to hear from and that i could of paid whoever made the claim if i was going to pay them anywhere from $ 500- {$1000.00} to resolve the claim.
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to XXXX and 1 to TransUnion. I did not authorize any such requests. 

XXXX received Inquiries from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion received an inquiry from - XXXX XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). 

- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both XXXX and TransUnion ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB
Consumer complaint received 2017-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

This collection is my they called m y one time a nd confirmed, That collection belong to my father I do n't know how they got my information no body knows my social security they are stilling my identity they obtained my personal information without my consent.
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

Today ( XX/XX/XXXX ) I awoke to having a negative XXXX  Checking Balance. This was because SunTrust now Truist took my full monthly mortgage payment from my account, {$3500.00}. 

I was under the impression, which it said in their online poortal, that I would not owe anything until XXXX. 

Last month, XXXX XXXX, I accidentally double-paid my mortgage, two full monthly mortgage payments of {$3500.00}. I tried to recoup one of these two payments via countless phone calls, emails ( XXXX ), and tweets with SunTrust but was unsuccessful.

Now, they drew a mortgage payment that did not need to be made until XXXX.
Consumer complaint received 2016-12-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I have several issues with this company. When I first applied for the loan, I was told by several people at the office, including the branch manager, XXXX XXXX, that this was a simple interest loan and that I could make extra payments directly to the principal of the loan if I sent it to the office directly with the phrase " Principal Payment '' on the check. Furthermore, when I paid extra on the website and the payment was divided by the normal schedule instead of a principal payment, I was again told by the staff at the XXXX XXXX, CA branch that I should have sent it to them as a principal payment. 

Well, I recently decided to start paying this loan quicker and sent them a payment directly as I had been told multiple times. XXXX XXXX actually called me to tell me that they could n't do that and that I would be paying the loan as agreed in the schedule. When I asked XXXX XXXX about what he has promised me, he refused to respond other than to ask me what to do with the check.
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo local bank at the XXXX in XXXX Georgia,XXXX open a unauthorized credit card account in my name about four years ago. I spent a lot of time and money with the bank, credit bureaus trying to get this fraud corrected.
Consumer complaint received 2022-08-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX credit account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XX/XX/2020, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX ( {$390.00} ) and Acct # XXXX ( {$190.00} )
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

Owed a credit card, they wrote it off. Another company apparently bought the debt. Ive never received anything from the other company. I just seen it on my credit report. They had someone drop off a package yesterday. Its a lawsuit for more than what I originally owed the actual credit card company. I dont know what to do.
Consumer complaint received 2016-05-23
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (DC)

I received a loan threw XXXX. When it was time i made payments on time as the agreement. Cashnet then attempted to make unauthorized debits from my account. I was notified by my bank, who closed the account and began an investigation, While in the process CASHnet again made an attempt to debit funds. This made the account go into a negative balance as my available funds had already been moved to a different account. I am now getting harassing calls from a third party debt collector threatening to sue me and garnish my wages. They called my work phone number on numerous occasions. I spoke to a supervisor by the name of XXXX XXXX who was the person threatening me. I tried to explain to her the circumstances involving the account but she was uninterested. She was very rude.
Consumer complaint received 2020-10-07
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. (TX)

Hi, My name is XXXX XXXX. 

I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I have provided every document to Round Point Mortgage and every time I call in they say they have everything, then I get a letter stating they need something else that I already have sent in. Now I keep on getting told it is in review. We are 60 days out and a BPO has not even been done as of yet.
Consumer complaint received 2016-07-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (GA)

ERC added a collection to my credit report without a verification letter in XXXX XXXX. They did the same thing in XXXX. I mailed them a letter to verify the debt so I could research it. Instead of sending me information about the debt, they removed it from my credit report. I have asked them for verification of the debt again and they have not provided anything. I believe it to be fraud!
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

unrecognized charges from a company XXXX XXXX  you are not able to dispute all the charges online they only let you dispute 2 or 3 when there are atleast 10 or 16 from this company. They give you a number to call to speak with someone to dispute the claim but you can not get through I was on hold for over an hour on 3 different occasions So I decided to Email the bank request information about the company they emailed me back with another number where you also sit on hold forever
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to MIDLAND FUNDING reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (DE)

I have set up biweekly payments through my financial institution to pay my mortgage which is held by Arvest Central Mortgage Company. I had even set up an additional full mortgage payment at the time of origination. I received notification that my mortgage payment was late and that one of my partial payments was being held. 
I contacted Arvest this morning, XX/XX/2020 and was told that they would not accept my biweekly payments from my financial institution and those payments that I had been making was not going to knock any interest off to shorten the loan duration. The rep stated that I could enroll in their biweekly payment program for a {$200.00} fee or I would need to contact Arvest 1-2 times per month to direct them on how to apply my biweekly payments. 
I am extremely upset with this process. Im trying to structure myself financially and am giving them the money to pay my mortgage fairly and accurately. 
I find their practices to be unfair and not doing the right thing for Consumers. I hope this complaint finds the right party and changes the way that Arvest conducts their business practices. 

Kind regards. 
XXXX XXXX XXXX
Consumer complaint received 2017-01-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX I filled bankruptcy in order to prevent my home from entering foreclosure as a result of my husband, then, mischeivousness. In XX/XX/XXXX, I divorced my now ex-husband XXXX. With this divorce he relinquished all rights and all claims associated to my present residence. It took me several months to acquire my mortgage and the change of address and my mortgage statement coming to my home address. I have had several correspondences with Wells Fargo regarding the assumption of the Home Equity Line of Credit. According to my lawyer, I should take the divorce decree and have them transfer the Line of Credit in my name. I have also made payments without acquiring a statement of receipt. In addition, I furnished them with an entire copy of my divorce decree ( page 3, Article 2 ) stating that " the husband shall surrender any and all claims to said property, and that husband should cooperate fully in signing and documents of said property ''. To no avail, they refused to make changes even though its based on higher hierarchy- Supreme Court of the State of New York . I 've made several attempts to make amendments but, they refused to converse with me due to the fact I 'm not the holder of the Equity Line of Credit. Equally important, I received a document from the United States Bankruptcy Court which clearly states at the bottom " Other payment change : Will there be a change in the debtor 's mortgage payment for a reason not listed? the box checked yes. and the reason for change is Payment change resulting from an Equity Line of Credit ''. It may not have been included in the initial bankruptcy documents however, changes and funds are being withdrawn for payments and they are not being applied based on the documents on-hand.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MA)

I disputed an account with Chase Auto Finance with the XXXX major credit bureaus and directly with CAF The credit bureaus and CAF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA. 

They are also listing different information across all XXXX credit reports which is also another violation of the FCRA since the information has been verified. 

XXXX is reporting a high credit of {$6300.00} while XXXX and XXXX are reporting a high credit of {$22000.00}. How can that be possible? 

Then the last reported date on XXXX is XX/XX/XXXX while on XXXX and XXXX are reporting the last reported date as XX/XX/XXXX. That means no real investigation was ever done when i submitted my disputes and just generic responses were given. 

I sent Chase Auto Finance two letters and they failed to properly validate or verify the account and denied to give me what I requested.
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NV)

Chase have been charging me too many overdraft fee and are very inconsistent on how they do it. They even charged me for overdraft for transferring money from my checking to savings even though there 's enough money when I did the transaction. Some charges they would pay and charge me overdraft for it then decline the charge after a few leaving me to pay extra fees to the other company because of declined payment. They take over {$400.00} of overdraft on my account almost every month!, they would even change the order of my transactions from highest to lowest so I could have more nsf fees at the end. What a scam!!
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc. (FL)

I have been on deferment since 2015 but apparently they sell that information i get at least 3 calls per day of companies telling me they can help me I spend 30 min on the phone and no luck, I 'm sick of the calls.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I opened a checking account with Chase bank, at their XXXX Illinois location on XX/XX/2021. I deposited XXXX checks from my employer, XXXX, and one check from XXXX, on XX/XX/2021. 

Chase Bank verified the checks and the checks cleared, however, every time I called or physically went into a branch location, I was told a different story for the reason they weren't releasing the funds. 

Chase Bank closed my account and sent a check for only the cash that I had deposited, holding onto the money from my XXXX paychecks. When I called to ask why I hadn't received the money for the deposited checks, I was told that even though they had verified all the checks, they wanted to hear from XXXX that the checks were actually issued to ME... despite the fact I had to show my ID in order to open the account, and XXXX XXXX, from the XXXX Illinois branch location personally verified my driver 's license, social security cards and my XXXX medical insurance card. She was told the manager she was speaking to was taking detailed notes that she had verified my identity, however when I called, the manager ( XXXX ) that I spoke to said there was nothing in the notes that indicated she had done so. 

The manager XXXX XXXX spoke with said they hadn't been able to verify the XXXX check, which was the result of an account closure with a positive balance. The amount of the check was {$1.00}, which the manager told XXXX they could waive verification requirements due to the low amount. When I spoke to the manager after my account closure, there was no record of the conversations XXXX had with them.
Consumer complaint received 2017-01-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ND)

ACE CASH services have been threatening me to take me to court or for an arrest warrant for a loan I never took out. They send emails and call me constantly and try to get me to pay a debt thats not even mine. Very unprofessional and rude
Consumer complaint received 2020-06-22
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. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc
Consumer complaint received 2022-06-25
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. (FL)

On XX/XX/2022 I submitted complaint # XXXX which included an identity theft report. Persuant to 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer. on XXXX XXXX was given proof of the identity theft and has failed to remove the items within 4 days
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I have several accounts that are reporting on my report incorrectly 1 XXXX has me listed as late never late XXXX XXXX fraud late not mine never late 3XXXX XXXX not mine fraud 4 XXXX fraud not mine 5 bankruptcy not mine must be mixed file