davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC. (VA)

XX/XX/2018 This started all on XX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. 

I've never been XXXX XXXX  and I even noticed some time ago XXXX XXXX appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. 

XXXX XXXX XXXX is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! 

I've called XXXX XXXX XXXX every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call XXXX XXXX XXXX every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. 

They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE!
Consumer complaint received 2022-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

We purchased our home 37 years ago ( XXXX ) for {$92000.00}. 
Planning for retirement, over the years, we bought 3 rental properties. 
In XXXX during The Financial Crisis we lost our employment and we defaulted on our obligations. 
When we regain our jobs, we hired " XXXX XXXX XXXX XXXX '' to help us restructure and modify the 4 mortgages. 
HERE IS WHERE THE NIGHTMARE STARTED AND IS STILL GOING ON... 
The XXXX XXXX XXXX had us faxing updated financial statements for 2 years they charged us {$10000.00} and produced absolutely nothing. See Attached E-Mails. 
It took 5 years to Modify the 4 Loans, adding an enormous amount of debt. 
Thing were getting worse by the day!!! 
We were served a Foreclosure Notice on one of the Properties ( XXXX XXXX XXXX ) We contested the Foreclosure, We went to Trial arguing the Financial Crisis have destroyed our lives. 
Lender, Servicer and the Courts made a very wise decision by reducing principal and interest by 50 %. 
The good news is that this Loan has been current ever since and is now in a very good financial health!!! 
The bad news is that the other 3 Properties are still straggling to stay alive. 
If this was not enough COVID made it much worse... 
We are asking Mr. COOPER for help. 
The Principal on this Loan has Ballooned during the XXXX Financial Crisis. 
We are retiring and we would like like to sell the property however the total amount due is just too high.
Consumer complaint received 2019-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (LA)

A check payment was recently mailed to synchrony bank/care credit in the amount of XXXX dollars. my personal bank XXXX XXXX  account records show that synchrony bank received and processed the check and the amount was never applied to my account with synchrony bank. I have also received excessive and inaccurate fees and overcharges and my account is now delinquent for the mishandling of my payments and all efforts to resolve this matter with synchrony bank have been completely unprofessional and futile. Actions have now been taken to forcefully retrieve the funds in amount of XXXX dollars by my personal bank XXXX XXXX through affidavit process
Consumer complaint received 2021-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

As per my telephone call from the Wells Fargo Customer Assistance Group on XX/XX/XXXX ), Wells Fargo needs more time ( an additional 2 weeks ) to research my issue. Wells Fargo has not requested any financial documentation from me, so I am not sure how they can conduct their risk management research. I am a XXXX old, XXXX male who owns a $ XXXX HELOC ( with a $ XXXX balance ) with an end of draw date of XX/XX/XXXX, and maturity date of XXXX/XXXX/XXXX. The collateral is my primary residence conservatively valued at $ XXXX with a $ XXXX mortgage balance being serviced by XXXX and held by XXXX ( $ XXXX XXXX ARM mortgage originated by XXXX in XXXX ). As evidence by the 3-bureau credit reports I have provided, my financial situation has not changed. I have done my own research into this matter and I believe two ( 2 ), five ( 5 ) minute phone calls may help clarify the issue. I estimate that these answers can be obtained by the end of this week. 

Please provide a simple YES or NO to the four ( 4 ) questions, I have posed below. 

1. I believe that my HELOC may be inadvertently frozen using a computer code starting/containing BSA. Please call the Wells Fargo Accounts hold helpline at XXXX and confirm the usage of this code to identify my account with Mr. XXXX XXXX. 
2. Please contact XXXX XXXX XXXX ( Senior Executive Vice President, Chief Auditor Wells Fargo & Company ) and confirm that this code is used in Wells Fargos BSA/AML compliance program per XXXX XXXX regulatory requirements for the Customer Identification Program ( CIP ). 
3. This enabled Wells Fargo to send me 30-day written notice to force me to close all my checking, savings, and money market, and investment accounts. 
4. The actions and conditions above prevent me from working face-to-face with my local Wells Fargo branch manager to directly advocate on my behalf to find out the cause of Wells Fargos actions and determine what information is needed by Wells Fargo to quickly resolve this matter. Instead, institutional barriers have been put in place to prevent prompt and transparent communication.

The conduct I have described above could be perceived as Wells Fargo running afoul of OCC and CFPB rule making : Equal Credit Opportunity Act ( ECOA ), Fair Housing ( FH ) Act, the CFPB Fair Lending guidelines, and the OCC Interagency Guidance of Home Equity Lines of Credit Nearing Their End-of-Draw Periods ( XX/XX/XXXX ) I look forward to hearing Wells Fargos clear answers to the questions above. 

Regards, XXXX XXXX
Consumer complaint received 2018-11-19
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. (IA)

I have contacted equifax several times about several accounts and inquires requesting they are blocked from my credit report due to identity theft. They keep updating the trade line as verified even after identity theft report was sent in to them. I did an online dispute in XX/XX/2018. I sent in a letter as well in XX/XX/2018 and I also fixed the letter into them and accounts has not been removed. Also Eauifax data breach there was several inquires added to my report.
Consumer complaint received 2021-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Hello, I am having an issue with all 3 credit bureaus NOT investigating my accounts. Even if I send certified they may not even respond. I sent VERY SPECIFIC letters to the credit bureaus and they have not responded to ANY OF MY REQUESTS. No updates no letters no mail no anything. Please MAKE them investigate so that I can move forward with my life. I will include the letters I sent ... thank you!
Consumer complaint received 2020-12-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am an XXXX XXXX, where my job was affected by COVID-19. I am a veteran, and I could apply for forbearance on my home due to COVID-19. Once accepting the forbearance agreement, I was told that the payments could be placed at the end of my loan or continuation of the payment suspension. I was told you could not get the forbearance due to COID-19 unless your payments were current. I bought my account up to date before agreeing. The 1st letter I received advised me to move the payments to the back of my loan. On XX/XX/2020, I called Wells Fargo and spoke with a mortgage agent to see what my options were as I was getting ready to come out of the forbearance agreement on XX/XX/2020. The Wells Fargo rep advised me that the missed payments could be placed at the end of my loan. I called Wells Fargo again in XXXX as I could extend the forbearance agreement 3 more months and was told I could not move the payments to the end of my loan due to not being current as of XX/XX/2020. The VA changed this. When I asked when the VA made this change, they could not tell me and would have to locate the information and mail it to me. They advised me that due to the Wells Fargo rep providing incorrect information, they could not help me move my payments to the end of the loan. They could only reprimand the rep, and I would have to speak with another department to look at payment options. The VA told me to try to work it out with Wells Fargo. I was never advised when the option to place my owed payments at the end of the loan was no longer available.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

EQUIFAX INFO SERVICES STATES THAT HARD INQUIRIES ARE A MATTER OF FACTUAL DATA, BUT DOES NOT VERIFY BY INVESTIGATION PER MY WRITTEN OR ELECTRONIC REQUEST
Consumer complaint received 2019-03-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

This is the third complaint I've sent in about Wells Fargo erroneously cashing a check from me for {$4000.00}. I have followed all instructions on getting the funds back from Wells Fargo but they continue to hold that money on their side and refuse to return it. XXXX XXXX at the XXXX XXXX location in XXXX XXXX of Wells Fargo claims that they don't have the funds yet XXXX tells me they haven't seen it and they have sent wire instructions to Wells Fargo 's claims department as well as sent a claim to Wells Fargo for the reversal the check. Wells Fargo does not have a copy of the check as it has been destroyed. They have stolen {$4000.00} from me and refuse to return it.
Consumer complaint received 2022-08-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX - I was waiting for a new credit card to arrive in the mail, but I checked my account and there was already a charge on the credit card for {$640.00} from a XXXX   I immediately contacted Chase and they said that they would cancel the card and " take care of it ''. 

XX/XX/XXXX - the charge returned onto my credit card bill with a letter stating that I " received benefit from this transaction ''. I tried disputing again, but no response from Chase. 

XX/XX/XXXX - I filed a police report ; no response from Chase. 

After attempting to dispute multiple times, each ending in a letter stating that the transaction is valid with no explanation, I received a call from Chase. The person on the line told me that this transaction was deemed valid because I had apparently activated the credit card from my home phone number. This was impossible because I did not even receive the card in the mail. I contacted the legal department at my phone company, XXXX, and requested a call log for the month of XXXX. According to the call log, I had not placed any such call. I sent the evidence to Chase. 

XX/XX/XXXX - Another letter stating that the transaction is valid, without any explanation.
Consumer complaint received 2022-08-25
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: JPMORGAN CHASE & CO. (MI)

I apply for a credit card with JP Morgan Chase Bank on XX/XX/XXXX. I applied online was approved instantly. On XX/XX/XXXX Chase closed my credit card account. I asked that the account be reopened or inquiry removed from credit reporting.
Consumer complaint received 2022-04-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account XXXX, 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 2021-11-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Coinbase, Inc. (CA)

Hello, My name is XXXX XXXX, I contacted XXXX XXXX Attorney XXXX XXXX XXXX XXXXXXXX and XXXX of the U.S. Securities and Exchange Commission and he referred me to contact you regarding Coinbase Inc and a malfunction on the trading platform. I purchased XXXX XXXX  times XXXX the ticker/stock went up to around {$160000.00} + I attempted to remove some of my funds of {$130000.00} XXXX and keep the rest in the Coinbase Inc. and the transaction was canceled ( Transaction ID # XXXX ). Later in the evening my account was locked out by Coinbase Inc along with few 1000 other individuals according to reddit complaints. Coinbase Inc has made some type of error and Should be held responsible for their actions. My money is still invested into Coinbase Inc and can not be removed from the platform. Coinbase admitting to the malfunction gave me a tiny compensation credit of {$38.00} in XXXX in exchange for their mistake. I do not think this is a fair as I have email and picture evidence/ proof of my profile listing the correct amount of digital coins and Coinbase Inc went into and altered my profile switching and changing my crypto ownership shares and diluting my profits.
Consumer complaint received 2021-11-29
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. (NJ)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On or about XX/XX/2018, I applied online for a credit card of XXXX XXXX Visa Card by Citi. The Citi credit card company denied my application immediately after I submitted online even I have good credit and good credit scores.Also, I am a XXXX member ( XXXX membership number XXXX ) while many others people have much lower credit scores than mine still got approved,
Consumer complaint received 2018-11-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has been extorting money from me for years. While I have brought it to the attention of the Consumer Financial Protection Bureau, nothing has been done about it and Wells seems to take money out of my monthly payments at will. They offer no balance sheets and no clear path to follow the money. They just keep taking money, regardless of any facts. 
In the most recent case where Wells Fargo has bled me for money claiming that my monthly payment was late, I asked what it would take to stop the gouging, how could I get them to stop taking money from my monthly mortgage payments under the cover of late fees? 
On XX/XX/2018 Wells replied, that I needed to give them {$580.00} by the XXXX of the next month ( attached ). So I issued 2 payments, one on XX/XX/XXXX for XXXX and the other on the XXXX for the months mortgage amount {$850.00} Please see attached document B. Yet without fail, on XXXX billing statement, Wells Fargo again charged me late fees. So in XXXX, I intentionally overpaid WF {$48.00}, ( see attachment ), and still they are charging me a late fee. 
It is clear to me, that there is on honesty in their service. There word has little to no value and they clearly can not be trusted. 
So here we are again. I am asking the " protection '' bureau to help with this matter. I have done what was asked of me in the XX/XX/XXXX letter, and I have gone above the request. 
There questions remain the same as they have always been.

1 ) How do you stop Wells Fargo from bleeding me?

2 ) Why hasnt Wells been honest?

3 ) How much more money do they need to stop manufacturing late fees?
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (FL)

Fake checks written out using my address but also at the heading of check. XXXX XXXX XXXX Was the name of the check. First one used at a XXXX in Kentucky. Second was a XXXX 's or XXXX XXXX in North Carolina. I'm not associated with the XXXX XXXX group.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I lost my XXXX card a few years ago reported it to them and closed my account they continue stating I owe a balance. I have attached 2 files Ive only have 1 account with XXXX 1 report states I owe {$510.00} since 2015 and the other shows Ive made all payments on time.
Consumer complaint received 2019-01-11
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)

This letter is being submitted in light of XXXX XXXX response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus EQ, XXXX  and XXXX  are reporting The below listed account that was not opened by me, I did not profit from the account having been opened.

Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, 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 they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in 30 days. It has now been 30 days and no response
Consumer complaint received 2018-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSH & Associates, LLC (GA)

To Whom It May Concern, Account Number : # XXXX / RSH & Associates LLC. 

Reviewing my annual free credit report, ive notice RSH & Associates LLC negative account on my credit report. I have never heard, never signal a legal binding contract with RSH & Associates LLC or I have never heard or received any documentation from RSH & Associates LLC.  Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope from RSH & Associates LLC. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from RSH & Associates LLC referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), RSH & Associates LLC is NOT following guidelines of what constitutes proper debt validation. I have NO contract with

RSH & Associates LLC, I am not obligated to buy for the alleged debt RSH & Associates LLC is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and RSH & Associates LLC a
ccount is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX