davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

On XX/XX/2023 We contacted Lakeview Loan Servicing. We requested a payoff for our house. We contacted them again on XX/XX/2023 requesting payoff. We contacted them a third time on XX/XX/2023. No one has any information for us regarding payoff. Legally how long do they have to provide payoff amount and instructions for payment? At this point I feel like they are not giving us a straight answer. 

Please provide guidance. 

Thank you, XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-03
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. (FL)

I received a notification on my XXXX XXXX that I had these inquiries made when I never wrote to these companies to pull my consumer report. Not only was my credit card ( social security number ) used without my written consent, for the extension of an yopen ended credit account, it was done fraudulently under a name that did not match my credit card and an address that was not real. I never received a right of recission. ( 15 USC 1635 ) let alone a finance charge which is necessary pursuant to federal law 15 USC 1605. to make things worse, this fraudulent activity wont end here, im sure they will send some sort of statements claiming I, The original creditor, owe a debt. Well, I want to make it very clear that i willl not pay that alleged debt. It makes no sense to pay money that my credit card originated. right? This headache has caused me mental harm because the Consumer reporting agencies EQUIFAX XXXX AND XXXX gave out sensitive informationg that they never had permission to. pursuant to federal statute, FCRA, my livelihood and reputation depends on the information and data that the aforementioned consumer reporting agencies harbor. Well, having those hard inquiries and extensions of credit under a mispelled name and also address that isnt even real has now caused me significant damage. my reputation and credibility have been damaged to a point where i must seek professional emotional and mental help. I will attach the FTC affidavit that was filled out. which took me more time to do off of their negligence. 

I filed the FTC report, i have now complained to the CFPB and I have my affidavit of truth with a whole lot of federal consumer right laws that have been violated. This will be the only opportunity that I will give experian equifax and transunion to make it right and I invoke my specified remedy of {$5000.00} to be paid by each consumer reporting agency EXPERIAN XXXX  AND XXXX, totaling {$15000.00} to be mailed out by XX/XX/2021 to the Consumer, I in Fact that you will see in the FTC affidavit that will be atttached. 

If a swift response isnt made on their end, I will continue with my affidavit of truth, citing over {$100000.00} woth of federal violations they willfully broke and my beautiful exhibits and I will notarize it and send it to the Attorney General and the XXXX and will take legal action.
Consumer complaint received 2021-07-06
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. (TX)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2023-03-06
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: SANTANDER HOLDINGS USA, INC. (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that XXXX  is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that XXXX  is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because XXXX  is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My long standing credit card account with Capital One was closed on XX/XX/2020. I called immediately upon receipt of the email notifying me of the cancellation. I called to ask them to reopen it, but they wouldn't. I am simplifying my finances and moving everything to capitol one, but this prevents me from doing so. I tried to reapply for the same card, but was denied. I'm a customer of 8 years, have more than 10k with them, and they won't reconsider their decision. Right now, I have 3 accounts I just setup to auto pay to my credit card, but it won't work because they closed it. I was not notified ahead of time about the account closing.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

Dear CFPB, I have contacted Shellpoint Mortgage multiple times since XXXX XXXX requesting PMI to be removed from my loan. I have paid down my mortgage to 78 % of the original loan as of XX/XX/XXXXXXXX. Shellpoint Mortgage is legally obligated to cancel my PMI at my request because my loan has satisfied all requirements. Please reference the Homeowners Protection Act of 1998, Section III,  part B on page 3 ( https : //www.federalreserve.gov/boarddocs/caletters/2004/0405/CA04-5Attach1.pdf ). Shellpoint Mortgage has continually given me the run around. First they stated I needed to pay for an appraisal which is false because my loan to value ( LTV ratio ) has reached 78 %. If it was 80 %, an appraisal could be required. Then they confirmed they would remove PMI, but they never followed through on that promise. When I called in the Winter after noticing I was still being charged, they told me PMI was paid in arrears and assured me it was coming off. Now, their latest excuse is saying that my property is currently located within a declared disaster area and again requesting me to pay for an appraisal. The only possible disaster they could be referencing is Covid-19. First of all, I requested PMI to be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX long before Covid-19. Secondly, Covid-19 has nothing to do with the issue at hand. I have called their phone number and you can only speak to customer service representatives that are not educated to handle this situation and they are not able to connect me to anyone who can. All I can do is continue to email them, but I have zero faith they are going to honor what they are supposed to by Federal Law. This is the last opportunity Im giving Shellpoint Mortgage to rectify the situation prior to taking legal action.
Consumer complaint received 2020-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, during the grace period of my certificate of deposit, I spoke to XXXX at Wells Fargo bank using the telephone number provided by the bank. XXXX told me he could close my cd and transfer the funds into my savings account at Wells Fargo. I waited one week to no transfer. I called the following week and spoke to XXXX at Wells Fargo. He told me that transaction could only be possible if I went into the physical bank. The grace period for the cd ended that night. Now I am locked into a very low interest cd for another year at Wells Fargo. 

Please help, XXXX
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

During COVID safer at home we took advantage of Wells Fargo 's covid forbearance to help financially. We have no history of late mortgage payments ever. Payments were deferred in XXXX, XXXX and XXXX. During those months statements were sent stating that payments would resume in XXXX. XXXX came and nothing was taken out of my account. On XX/XX/XXXX i inquired with Wells Fargo. They stated " your payments will not resume unless you call '' ( regardless of what statement says? ). So i asked that my payments resume and ask " my loan will not be in default correct? '' to which they reply " no you have nothing to worry about your forbearance payments will be deferred to the back of the loan ''. So my payments resumed in XXXX-i thought nothing more of it, UNTIL I completed my divorce and tried to refinance and find out my loan appears to be in default. I contacted Wells Fargo the last week in XXXX-who informs me my resumed payments have been applied to the forbearance payments rather than the current month therefor it was not deferred. I was then told would have had to do " special paperwork '' for the deferral to happen. I was not told that. I asked to speak to a manager and was transferred to " XXXX '' who assured me he would fix this with " Executive Office Team ''. XXXX informed me he would follow up with me by phone call on XX/XX/XXXX at XXXX. No call. XX/XX/XXXX i spoke to another manager " XXXX '' ( I got his last name, location and phone number ). XXXX also assures me this is being addressed and will return a call on XX/XX/XXXX. No call. on XX/XX/XXXX i emailed wells fargo-no response, XX/XX/XXXX I emailed again, this time threatening social media and XXXX XXXX XXXX-and recieved a confirmation email assuring me I would be contacted within 48 hours-again, no response! Today, XX/XX/XXXX I emailed again and informed then i am contacting you. NOW i receive a call from " XXXX '' who informs me " we have to do more investigating to see why it took so long to defer your payments ''. I am told this will be resolved and reported to the credit bureau 's by XX/XX/XXXX. I'm still filing this complaint because i do not trust they will follow through. I am newly divorced, had excellent credit until this and now can not refinance because of this issue. Thank you for any help you can offer.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CT)

My card was accidentally canceled by issuers, received apology, promise of new card. Now to my surprise, entire account canceled with no credible explanation. Not sure if I lose my sky miles and other perks.
Consumer complaint received 2020-06-23
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. (FL)

EXPERIAN IS IN VIOLATION OF THE FOLLOWING SECTIONS OF 15 USC 1681, I HAVE PROOF IN THE ATTACHED EXHIBITS. 

-15 USC 1681b ( 2 ) -15 USC 1681 ( b ) -15 USC 1681e ( b ) -15 USC 1681a ( 4 )
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (AL)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I recently get a phone this morning and they didnt leave me a message I called back and it was some company saying that tied in with XXXX which longer in business.the rep claimed that she had all my infomation and she wanted me to verify and she said she had my information which is wrong and my wife I both listen to her .my wife know it was scam she wanted me to pay {$140.00} which is not my debit.i told her that am temporary laid off because XXXX and I cant pay. Anything that she demanded me to pay I told what does understand about I dont have the money plus this my debit.my wife tryed to research the phone number is come up as a scam call and this person is calling from possibly a hotel room.am tried of this scam company calling me and trying to scam me .I want them to stop calling me.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/2020 i filed with my Bank BBVA a dispute on few items, total amount {$180.00}. Since then i called several times ( even though was Very difficult ), but their response was Misleading & Confusing. It seems to me that they don't want to investigate properly my disputes. Plus when i opened this checking account on XX/XX/2020 it was attached a promotion bonus of {$200.00} if a direct deposit of {$500.00} or more was done by XX/XX/2020, which i did but i never received the {$200.00} bonus. Plus their customer service/website is Very poor. It seems that they don't care about ordinary consumer 's accounts & customer service.
Consumer complaint received 2023-03-06
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. (NY)

Experian / XXXX did not fix my child support reporting on my report. I send them proof three or four times and they were legit a FAMILY court order XXXX XXXX  XXXX child support worker Revolution.Letter. The judge ruled on XX/XX/2022 starting on XX/XX/XXXX. I will pay the mother directly and not through the child support unit case XXXX. but department of child.support was my account {$110.00} XXXX XXXX XXXX and finally they corrected it. give me credit to a zero balance and they close my account. The credit bureaus did not correct my account and hes doing a lot of damage. On my credit report it tells me its still open and it was late in XX/XX/2022 that is not correct and this needs to be corrected or delete the whole child support account because its close now. this is causing me a lot of headache and it seems they are not working with me on this issue.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I applied to rent an apartment. I told them I'd come in and sign the lease in a couple days. I decided not to. They signed my name on the lease and sent it to a collection agency. ProCollect. They sent me an email with the application and lease they are clearly different signatures.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by Capital One Bank. 

This delinquent account record is inaccurate because there was an error through the payment system for Capital One, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, XXXX, and XXXX   that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

The head of the list complaint is about coinbase.com and XXXX XXXX I opened an account with them made to deposits one on XX/XX/XXXX for {$1000.00} 1 on XX/XX/XXXX for {$2200.00} I and vested it in to XXXX XXXX about a week after I invested at there was almost {$200.00} that seemed to vanish I tried to email someone I got no response after a couple of days I went on to close my account and I was on able to access my account I tried to call the phone number and it is a non human phone number and it is only used to report fradulent activity on your account so I did freeze my account in hopes that there was going to be no more money missing from my account or it be just out there doing whatever it was gon na do and I can't see it it's been 2 weeks now they have emailed me back finally telling me the steps to re gain entry into my account and it tells me all kinds of different things from this is indeed computer you used you entered the wrong information or the best 1 lately has been the system is down please try again later and then underneath that there is a button to track problems with the system I had it says there are no issues going on so I have tried for 8 days to get ahold of somebody and resolve this issue and we get my money back and closed this account out but I have not been able to access my account what so ever and he response time is just really ridiculous Li long for money being invested somewhere and there being an issue. I ended up getting a link to their XXXX page and I was alone away by some monkey comments on XXXX page and how many people have had this problem with them getting their money back money messing not being able to get back into their accounts how are these people even in physis anymore has no one else complained? 
I tried calling me XXXX 1st and of course XXXX XXXX coin base all of these fly-by-night investment companies are not watch over by the SEC which also was mind blowing but they were kind enough to give me your email address and the FTC I have filed the complaints with both of you but now after trying for 8 days to get resolution with them.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (FL)

I sent payment to a woman named XXXX XXXX, who had XXXX XXXX concert tickets listed for sale on XXXX. I messaged her and she stated the tickets were $ XXXX/each.We discussed payment method and delivery of tickets. I sent her a total of {$86.00} - {$80.00} for the two tickets plus {$6.00} fee for using XXXX. Transaction was done on XX/XX/2020. Immediately after getting payment she stated ticket prices she quoted to me were wrong and they were $ 400+/ticket. I told her I would not pay that. She went back and forth with me on settling for $ XXXX/ticket. Again, I declined, told her I either wanted my money back or the tickets. She stated she would send the tickets and never did. I immediately filed a dispute with XXXX who declined my request for a refund. I then filed a dispute with my bank, Navy Federal Credit Union who also declined my request for a refund. To date, I have not received tickets from XXXX XXXX, a refund from XXXX XXXX, XXXX or Navy Federal Credit Union. Both XXXX and Navy Federal Credit Union have both instructed me to reach out to the seller and get my money back that way., which is impossible because she is not responding to any of my emails and deleted her XXXX account so i am not able to reach out to her that way. When I researched the name on XXXX and the email address the name was different than it was on XXXX. I am 99.9 % certain it was a fake XXXX account.