davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo has NEVER contacted me about my mortgage w/ them. 

On XX/XX/XXXX I took out a mortgage with Wells Fargo for the home at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Purchase price was {$310000.00}, plus taxes, plus closing costs. 

XX/XX/XXXX I lost my job. 
Immediately after, my then-husband got a GF and left. He'd also lost his job. 

I stayed at this house until Fall XXXX. WF sent many foreclosure letters and warnings. 

I had to pay all utilities thru XXXX XXXX or so. 

Except on or around XXXX I spoke to WF by phone about refinancing this mortgage. 
I sent them back their hardship paperwork. 
Heard nothing. 
In early XXXX, the same. 
In Fall XXXX, the same. 

I never heard anything from WF until right before I moved out. 
They sent a letter refering to the hardship paperwork I'd turned in over a year prior, but still never processed it. 

Breakdown is as follows : bought XXXX XXXX XXXX, XXXX XXXX, NV XXXX parcel # XXXX on XXXX for {$310000.00} plus taxes plus closing fees, mostly put into a mortgage with Wells Fargo. 
Requested help with mortgage on multiple occassions, by phone and online. 
Was never helped, but sent many letters threatening to foreclose. 
On or around XXXX, house was sold to a 3rd party based out of XXXX, CA. 

So WF never processed the hardship paperwork, never helped me at all there was a program for {$150.00} off each month on the mortgage I applied for, they never processed that either, offered any help, suggestions, just left the paperwork in permanent limbo. 

Until the house foreclosed in early XXXX. 
Also leaving me with thousands in fees, taxes, insurance that Wells Fargo told me I was responsible for. 

As a result, I had to declare Bankruptcy and ruin my credit for a decade. 
I lost my house, my home, had no choice but to move out of NV back to MI. 

Wells Fargo not only never tried to help me, they never made any contact at all. Calls and messages and emails all went unsnawered, leaving me witih many outstanding bills. 

To this day, Wells Fargo has not ever sent me anything. 
Except for bills. 

My house foreclosed thanks mainly to Wells Fargo. 

I have never been contacted about any of these class action lawsuits. 
If I'm eligible, I have not received a single penny from them.
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

PHH has committed multiple errors. There is no dispute that the owners own the home. There is no dispute that PHH does not have title to the property. There is no dispute that the borrower filed a XXXX before the notice of sale as issued. There is no dispute that in Florida a notice of sale is required to complete a sale. There is no dispute that Florida is a judicial state. PHH is misclassifying the status of the property as XXXX when there is not dispute that XXXX is still in the name of the borrowers. Therefore this property can not be XXXX until the borrower loses title. PHH is causing the borrowers harm as well as injuries and preventing them from completing loss mitigation. The borrowers have a buyer who is willing to make an offer and PHH is preventing the resolution of the alleged debt. PHH has violated 12 cfr 1024.41 and 12 cfr 1024.35 ( b ) ( 11 ). PHH is therefore dual tracking by frustrating the loss mitigation process and moving forward on the foreclosure at the same time.
Consumer complaint received 2023-02-28
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-02-28
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)

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-28
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)

Hello I tried to purchase a new desk for a friend whose dog just died, and I found a person on XXXX who insisted I pay half upfront to keep the desk reserved. They said they didn't get the payment and for me to try again, when in fact the payment did go through and they were just charging me up. This happen multiple times, and even though I tried to contact them to plead for them to return the funds, they stopped communicating.
Consumer complaint received 2020-05-29
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. (NC)

**This is my 3rd complaint filed against XXXX XXXX XXXX in 2 years. Both complaints have ended with a promise to resolve the issue. The issue is resolved, and then is reported in correctly again. This issue has caused my score to plummet, has cause multiple denials of loans, and most recently a new mortgage. ** My account with XXXX XXXX XXXX, XXXX, was closed and paid in full 4 years ago. For years XXXX Reported a charge off/ repossession on the car based on the insurance not making the payoff in time, AND misapplying the payment internally. 

This has plagued me for years. 

In XXXX, 2019 I was written a letter " XXXX XXXX '' an executive analyst, stating that although we disagree on the issue with the payment, that the XXXX that caused the charge off would be removed, and the account would be changed to a positive payment history, XXXX balance, an all notes of charge offs removed. 

I have had to reach out to them multiple times because the charge off seems to randomly re-report on my credit. 

Now, almost a year later, I have contacted by a mortgage company and informed that XXXX XXXX has reported a CO indicator exception on the XX/XX/2019 payment. This is showing on Equifax. Being less that a year ago, it has dropped my score drastically. Not only did this happen, their phones state they can't take calls because of COVID,  and when I disputed it with Equifax, they verified that the XX/XX/2019 CO indicator was correct. This brought the CO to be fresh data, and dropped my SCORE AGAIN. Also ... this account has been closed for a very long time, not XX/XX/2019. If it was a mistake, ok, its the 3rd. But to verify the CO again? 

I have XXXX letters from XXXX people at XXXX guaranteeing this was taken care of. And here we are.
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX/XXXX  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (OH)

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I recently applied for credit and i noticed that this credit card reported a late payment in XX/XX/2019. As a 30 day late pay. I do not agree with this at all. I do not recall ever paying late especially over 30 days late. I demand they immediately remove this erroneous late pay from my credit reports!
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX are reporting a chapter XXXX bankruptcy but Experian is showing a XX/XX/XXXX discharge and XXXX  is showing a XX/XX/XXXX filing. Neither is accurate. I dont have a discharge or a filed open bankruptcy. I went to the court and saw this information is not true. The clerk of the court said they do not give that info to the agencies either. Both companies said the saw on XXXX  XXXX. I complained to XXXX  XXXX, they changed it and recommended I freeze my file. I did last year. Both agencies have not removed. I even sent a copy of my XXXX  file to them showing it is not on there. They are still quoting the XXXX XXXX  file, I have demanded they forwarded me a copy of that report, they have not
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a CapitalOne Credit Card ( XXXX XXXX ) with Promo of 0 % APR for 15 Months. but in actual I did not get the Advertised APR on XXXX XXXX website. I applied for the Card and got approved in XXXX and Promo was Active at the time ( Snapshot of the Agreement attached ). I tried to talk this through with Capital One Customer Service Agent " XXXX '' on XX/XX/2023 who confirmed the Promo was active at the time. then she transferred me to the Application Dept and said they can handle your request. Then I spoke with " XXXX '' the Agent same day and further with the Supervisor " XXXX '' both said that its not showing in your contract the Promo. I explained that its not my fault if its not showing in my contract but that's what I suppose to have as I applied due to that Promo. I am very much disappointed with that False and misleading Promo by Capitol One and got charged {$770.00} in interest charges over the last 10 months.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2023 I contacted Chase regarding my Freedom card. I informed them of list of job and requested assistance in late payment removals to assist with paying card down as I started receiving checks. A previous email and account notification STATED I had to make a payment before XX/XX/2023 to AVOID account closure. I made a payment of {$260.00} which was the PAST DUE amount on the card. Today as I logged in I see that my account has been closed! Chase falsely closed my account after stating that I had until XX/XX/2023 to AVOID account closure. EVEN after stating I lost my job as the reason in being behind and was willing to pay to avoid account closure as I just got my check!
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have been trying to correct incorrect information Loan Mart is reporting on my credit report. Several times now, they return responses that are long and rambling and they regurgitate facts not related to my complaint. They appear to be trying to subvert this process by supplying nonsense responses. They are not addressing the inaccurate reporting in my credit. Further they tried to subvert this process by saying I had the wrong company when I fact I supplied the information that showed they were the right company. 

They continue to I accurately report my credit as an active account accruing interest and penalties but my account was and is a charged off debt that is unable to accrue interest and penalties. They are not reporting my credit correctly.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (WA)

I am writing in regards to 10 approved but unpaid claims on my HSA account with Optum Financial. The claims were filed more than 7 weeks ago ( between XXXX and XXXX XXXX ) and have all been approved since XXXX. The 10 claims total over {$550.00} and I have called customer care 4 times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and every time I am given a new case/ticket no. but with zero updates or progress. Previous tickets have been closed without any resolution and every time a new ticket is created with no updates. 

Requesting help with my payments.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (NY)

On internet search for high yielding accounts, I came across Current, which claimed to be a financial technology company, offering 4 % APR on my deposit. I opened an online account on my mobile phone via Current App and transferred {$5000.00} from my bank checking account online on XX/XX/23. The money was sent by my bank to Current today. I got an email from XXXX that my account was suspended and all my access to my account was removed. 
I am unable to login to my Current account, and not being able to reach anyone by phone or email. 
On further search, it appeared that Current was associated with XXXX XXXX XXXX out of XXXX, ND. I called them but I am not getting anywhere. 
Please help.
Consumer complaint received 2023-02-24
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: National Credit Systems,Inc. (GA)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (VA)

Ive tried multiple times to qualify for a loan with Affirm and they have repeatedly denied my application based on information they received in XX/XX/XXXX ( which was inaccurate ). Why is an incorrect score from XXXX being used when we are days away from XX/XX/XXXX? 

Id like someone to explain why Affirm is denying my various loan applications based on inaccurate information and a credit report from LAST year especially since doing so is a clear violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., which protects me from inaccurate and unfair consumer information contained in my credit file and any adverse actions that stem from that like loan application denials.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Quick Silver Credit Card I was never notified that my 0 % promotional interest period ended early ( supposed to be on XX/XX/XXXX ) and was charged the interest fee. 
I paid my account in full and requested that the charge be reversed since Capital one did not notify me of this change, and after going back and forth with the first representative, she hung up in my face, I tried recording the phone call and when I mentioned I was recording the call, they would stop speaking and say they would not continue unless the call was not recorded. Although they are recording the call, so why is it a conspiracy to them when a customer is recording them! 
Date of the call to Capital one : XX/XX/23