davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I 've requested a mortgage modification and submitted financials to Wells Fargo Home loans several times. I have been unable resolve this matter because Wells Fargo refuse to process my request. I have spoken with several relation managers regarding this matter. I 've been told they have n't received my documents or they need documents I have previously forwarded to them. It is very apparent to me Wells Fargo is intentionally mishandling my request. I 'm currently residing in the property and I do want to maintain ownership of my property. There is a property foreclosure sale set for my property XXXX/XXXX/2016. I recently received a property foreclosure correspondence from Wells Fargo foreclosure Attorney, The correspondence is not a XXXX notice prior to the foreclosure sale as required by Texas XXXX. I appreciate your immediate attention in this urgent matter. Thank You
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (OH)

I had a bankruptcy 3 years ago and at that time I had a loan from Wells Fargo but this loan was not included on the bankruptcy .But now when I check my credit report it is in there as part of the bankruptcy. This loan was paid off in full and never even had a late payment. I contacted Wells Fargo remove this from the credit reports but they said they could not. I do not know where to proceed next to get this off my credit report.This is impacting my credit and I need it removed.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NC)

On XX/XX/2019 there were three fraudulent charges made on my XXXX account. The amounts were XXXX AUD, XXXX AUD, and XXXX AUD. The merchant was : XXXX XXXX XXXX XXXX And the charge says XXXX Ride Payment for all XXXX. I immediately reported these charges as fraudulent activity and they came back and said they were accurate charges. HOW??? I don't even live in XXXX. I am not completely locked out of my XXXX account so XXXX cant even log in to screenshot the original dispute. And Now Jefferson Capital Systems LLC is trying to collect this money from me, claiming it is my debt!! No it is not. It was fraud and I reported it as so.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

Last year I made a complaint against Synchrony Bank regarding my Lowe 's Card. 2 days after that complaint was resolved they drastically decreased my credit limit citing my credit score,  which was inaccurate, and the fact I didn't have any real estate loans as the reason why. Since then Synchrony has continued to drastically decrease the limits of all the cards I have with them for various unfounded reasons. The latest was my QVC card three days after I made an easy pay purchase. This caused all of my QVC purchases to bounce back. I was denied the increase back to the original limit. All of this is completely a revenge tactic for filing a complaint against them. I have only two charge offs on my account and those are currently from same company and are in dispute because the items were covered by insurance and I owe nothing. There's no other reasons they would lower my limits and none of my other credit cards from other companies have been lowered without my request.
Consumer complaint received 2020-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Per Bank of America, I had an account with them with card ending in XXXX back in XX/XX/XXXX and I owe them {$210.00}. I refuse to pay this amount this is a fraud account and do not owe them any money. On XX/XX/XXXX I called BofA and requested copies on that account and they refuse to send me any information they demanded a payment and send me to collections. I refuse to pay this account because I didn't open it.
Consumer complaint received 2020-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (ID)

In XXXX of 2019 we were notified via email that there were upwards of {$2000.00} in charges on our account. The purchases were made online and picked up in person at a XXXX Best Buy. 1. we were out of town then and never ordered or picked up these products. 2. With a pick up order of $ 2000+ they SHOULD ALWAYS check ID on the person picking up. 

Obviously we reported these charges as fraud. Best Buy sent it over to their fraud department for investigation. After multiple calls and jumping through hoops they finally agreed that it was fraud, and we were told over the phone that ALL CHARGES WERE DEEMED FRAUD AND ANY CHARGES, AND FEES RELATED TO THE PURCHASES WOULD BE REMOVED. 

We received a letter from Best Buy on XX/XX/2019 saying " We are writing to inform you that we completed the investigation on your My Best Buy Credit Card Account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 

I was so relieved to finally get this letter after getting the go around every time we called them and re-explaining the issue. Such a headache. BUT little did I know even though the letter said it was fixed and that XXXX, XXXX, XXXX  XXXX would all be updated. They were not. 

We recently pulled our credit while trying to get a home and THE CHARGES STILL REMAIN AND HAVE NEGATIVELY IMPACTED MY VERY HIGH CREDIT SCORE. I have never had any late payments or anything negative reported on any of my credit cards until this happened. 

I have continued to contact Best Buy and am always given excuses and I swear the call center doesn't even understand what I am trying to explain most of the time. I called today and they are closed due to Covid 19. I have reported disputes 3 times to XXXX  with proof of my letter from Best Buy. However when they look into it and contact Best Buy Citi Credit Card they are told, nope! The account is closed but fees and interest rate still applies! I AM NEVER PURCHASING FROM BEST BUY AGAIN. THIS HAS BEEN SUCH A HEADACHE AND HAS BEEN GOING ON MORE THAN A YEAR NOW. WE HAVE BEEN MORE THAN REASONABLE BUT NOW THAT IT IS EFFECTING THE LOAN ON OUR HOME THIS IS NOT OKAY! I NEED HELP FIXING THIS FOR GOOD. PLEASE PLEASE HELP! 

THANK YOU!
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (NY)

I am writing this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

Hello i currently have a vehicle that I feel like Im paying so much for it I feel so overwhelm I feel like the dealer just ripped me of for being a first time not that car is not even worth what I owe currently and the msrp for the car now is XXXX I would really like for someone to please help me get out this situation I been paying a high payment ever month and I think this is so unfair I tried getting in contact with the XXXX dealer and all they offer is for me to get a new car which I dont want to I want this resolve I feel so ripped of for the amount I already have paid the one I pay the car to is Santander consumer USA its a 2015 XXXX XXXX
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

I was sued on XX/XX/2019 by the landlord I used to live at with my daughters after I complaint about mold in the property and having my little one sick with XXXX  issues constantly and having to trash the mattress. The manager told me I was lying and I still have proof of it. My paychecks were cut due to the situation I was experiencing since XXXX and I did not payed the rent in XXXX. They sued me asking me for the money and to leave the property. When I arrived to the trial and was my turn I started explaining the judge and was going to show all the pictures and the doctors tests and everything, the judge cut me off stating the landlord did not wanted money they just wanted me to leave. I had already moved on XX/XX/XXXX and the trial was on XXXX so the case was dismissed. I have a letter from the Magistrate Court that I provided to XXXX  and XXXX  which firstly reported it. I started the dispute with XXXX  and they close it a day after requesting documents to prove my identity I have proof of everything. This information has to be removed immediately from my credit. It is not right and is abusive.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Assignment of Mortgage From FHA to Conventional, MIP insurance was being paid the entire time, based on loan statements, the loan was in default, however the MIP insurance was being paid. My loan Original loan amount was for {$120000.00} and has gone up to {$210000.00}. The XXXX information is wrong, the loan was sold to a private investor and serviced by different loan servicers : XXXX XXXX XXXX and then to RoundPoint Mortgage. I received a modification package and I disagree with the amounts owed.
Consumer complaint received 2016-12-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

A previous Mortgage company claims a payment became missing during my Chapter 13 status ( XX/XX/XXXX to XX/XX/XXXX ) and they ca n't or will not provide specific documents indicating exactly what month that the payment became missing. The Mortgage servicing company has since transferred my loan to another Mortgage company showing a missing payment and also with claimed unapplied funds.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau Services, Inc. (MT)

Contacted legal aid and took steps advised for a debt that is not valid and in violation of fair credit act. Sent certified letter asking to please remove the debt as was not valid and requested 30 days to do so. Contacted CBC, Inc.in XXXX, montana and was told that I was refusing to pay the debt so they would mark it as so and hung up on me. 
Contacted legal aid afterwards and was directed to file complaint with your agency as well.
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WESTERN UNION COMPANY, THE (CA)

Western Union refuses to refund the {$500.00} I sent on XXXX XXXX, 2016. Ive already sent a letter explaining the reasons. 
I wrote the name of the person to whom I was sending the money incorrectlythat was it. They say that they have the money under investigation. 
I pay all of my taxes.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase is again failing to process disputes in accordance with the law. I reported a transaction I was overcharged on in writing on XXXX separate occasions over the past XXXX months. JP Morgan Chase has not replied at all except with irrelevant form letters about high volumes and delayed response times. It's now been more than XXXX weeks without acknowledgement or resolution. The last irrelevant form letter reply from chase was on XX/XX/2023.
Consumer complaint received 2020-04-18
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: Experian Information Solutions Inc. (CA)

I was made aware of a negative account and inquiries today XX/XX/2020 when I was denied from getting a car loan with XXXX XXXX XXXX XXXX. I was denied from getting an auto loan because there is an account with negative payment history on my credit as well as several inquiries ; None of these items belong to me nor did I allow anyone to open this account or make these inquiries on my behalf. I am not affiliated to any of the companies listed on this report nor did I gain anything from this account and inquiries that were made in my name without my permission. I never made any payments or purchases towards this account. I have filed a police report and notified the company regarding this suspicious account.
Consumer complaint received 2016-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (CA)

On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XXXX, XXXX, XXXX & XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

The company IC sytems stated i owe XXXX XXXX {$1600.00}. I called asking for specific dates and they were unable to give me specific information. The rep XXXX XXXX from IC Systems said it was a bill from XXXX  and i have been in XXXX XXXX. She didnt have any information on payments and didnt have address on file just my current address which is my XXXX  address . Im trying to clean up my credit report and have a record of ontime payments, im not sure of where this outstanding bill is coming from and would like it resolved and investigated.
Consumer complaint received 2022-03-18
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: Colony Brands, Inc. (AL)

An account was compromised by a collection agency that came to serve papers to collect for an account that was sent to them by XXXX. The Collector asked me about my personal information wrote it down and corrected it and added it to an account that was a family member with the same or similar name that also was present at the time. He decided not to serve the papers because of the mix-up of information. Years later, I noticed that the account was added to my credit file for non-payment. I have tried to dispute this with the company for years. They will not delete it from my credit file.
Consumer complaint received 2023-03-29
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)

I've contacted XXXX, XXXX, and Equifax multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2016-07-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (NV)

XXXX XXXX XXXX is an XXXX yr old woman- capio partners are harassing her and muddying up her credit with a false claim that she owes {$100.00}. for XXXX XXXX - XXXX XXXX for XXXX - co pay. this is over 7 yrs ago and she never got a bill. 5 yrs is the limit of owed bills. she had Medicaid & other ins which paid all bills. this needs to be removed from credit bureau 's. please assist her in the clearing of this bill not owed! XXXXXXXXXXXX
Consumer complaint received 2023-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

On XX/XX/23, as per Mohela 's instructions, I sent a secured message instructing them how to apply an incoming payment sent electronically from my XXXX XXXX XXXX award account. I included the required information such as the loan number and account number to which the payment should be applied and specified to apply it to the principal of the loan. Despite following Mohela 's instructions for payment handling directions, the payment was applied to the interest portion of the loan and not the principal. 

On XX/XX/23, I finally received a response back from my message indicating that the payment was applied to the account and told that XXXX  payment history reflected this. But this was incorrect, as the payment history specifically showed the payment being applied to the interest and NOT the principal, as per my instructions. 

Mohela intentionally ignored my specific instructions for handling payments even when provided with the information they require.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MI)

I called Chase and spoke to a customer service representative on XX/XX/2022 and then asked to be transferred to a supervisor, spoke to XXXX from the XXXX XXXX, TX service center. She understood my complaint and said the " back-office '' would have to handle it and they would get back to me within 7 calendar days. She asked if I wanted to be called or have a letter sent to me regarding this issue. I requested to be called because I wanted to be certain they understood the issue that occurred. I was given a Chase ref # XXXX and asked for a phone number to contact them and she said they don't have a number I can reach them at to check status of the above reference number and that I had to call the number on the back of my card. I called back today, XX/XX/2022, because I had not received a call from the " back-office '' and it was beyond 7 calendar days. Again, this is yet another process that Chase does to dismiss issues and complaints when it's obvious they have done something that was not aligned with the terms and conditions of the agreement and/or Chase 's standard protocol. The second supervisor I spoke to was XXXX again from the XXXX XXXX, TX.