davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX late open 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
Consumer complaint received 2020-08-05
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$660.00}
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (TX)

Several years ago I paid off my loan with Wells Fargo Dealer Services. I called to request the clear title or lien release since I had not received anything 2-3 months following the payoff. After the request, I provided up-to-date email and mailing addresses. I did not receive anything from Wells Fargo. Up until recently it has not been a priority since I maintained ownership of the vehicle but I traded in the car and still needed to Wells Fargo to provide a lien release for the title. On XX/XX/XXXX, I contacted the title department and emphasized that I have submitted a request and hadn't received the lien release paperwork. We provided a XXXX shipping label for Wells Fargo to use to send to the dealership. On XX/XX/XXXX, the dealership contacted me to inform that they had not received it yet. I contacted Wells Fargo and again was advised of 7-10 business days but I don't consider that to be acceptable based on how many times I have been trying to resolve this. The company keeps providing me the run around telling me they don't have control over the mailing system. I just want this resolved so I don't have to deal with Wells Fargo again. If the calls are being recorded as they say, listen to the call on XX/XX/XXXX where the dealership and myself provided every detail to ensure a smooth process but once again, Wells Fargo did not resolve my request.
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo years ago I was behind on my mortgage I did everything possible to try to make it up when I did get them to work with me I had to resign for XXXX  more years and they added XXXX.to my mortgage.my original mortgage loan was XXXX. In XXXX now XXXX  years later I still owe XXXX. How is this right. I only got like XXXX months behind when I had XXXX XXXX XXXX XXXX XXXX and my husband lost his job.This can not be right after XXXX years to owe way more than my original mortgage.Please help.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

I leased a XXXX XXXX XXXX from Toyota Motor Credit Corp on XX/XX/XXXX and completed the payments and returned the car on XX/XX/XXXX. All payments were made on time. However, my latest credit report dated last week is now reporting that there were late payments made. I called Toyota Motor Credit and they confirmed that all payments were made on time. XXXX is the specific credit bureau that I am having problems with. I did not get a copy of Toyota 's testimony in writing, but I can get that if needed. Otherwise, their phone number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, according to my XXXX  account. I haven't owned this car in years, and have no idea why this would be coming up on my credit report now ... or ever. My credit score dropped over 100 points as a result of this matter and I would like it resolved immediately!
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I have made a payment to my mortgage on XX/XX/2023 in the amount of XXXX with conf # XXXX And another payment in the amount of {$10000.00} on XX/XX/2023 via mail and well as at least 2 payments from HAF have been received. None of these payments reflect on my acct. I have called 3times since XXXX to check. Nothing. Was told it takes 7 business days to post. It is much longer now. Please help
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX XXXX {$13.00} XXXX XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$38.00} XXXX XXXX XXXX XXXX {$32.00} I called and reported these charges to XXXX and they only credited me back the {$66.00} XXXX received a letter stating that it was an error but never reimbursed for the others also XXXX sent a check to my old address
Consumer complaint received 2023-01-21
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: SANTANDER HOLDINGS USA, INC. (GA)

All bureaus have ignored my request to provide me with documents that have files that theyve used to verify the disputed accounts which means that they have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (PA)

We filed for bankruptcy and that was over 15 years ago and it was discharged but it still stayed on my credit report despite asking for it to be removed and then they sold our mortgage right after that. So nothing was ever done about it and the mortgage companies we have keep selling our account. 4 times and on the statement still shows bankruptcy therefore we are getting bad rates. All because of this. I never missed a payment as it came out automatically from my paycheck.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (GA)

I am a user on my daughter XXXX XXXX account. They closed it suddenly but they refuse to give us the full account number so I can change my direct deposit information at social security. They returned my first check that went to that supposedly closed account but refuse to return my last one that was almost XXXX
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My credit report has incorrect information about my XXXX card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed as soon as possible.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

My credit report has incorrect information about my JPMC card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed as soon as possible.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I placed an order with the online clothing store which was advertised on XXXX - XXXX XXXX XXXX The total amount was {$220.00} paid by my Citibank credit card. For some reason the credit card charge shown on my account was for {$99.00}. After a few days I checked the order status and it still showed " Not shipped ''. I checked the XXXX and the store ad was updated to a different domain. I tried to contact the store by email and the email turned out to be unavailable. The store turned out to be a fraudulent website located outside of the United States as the banking charge showed the merchant location in XXXX XXXX. 
On XX/XX/XXXX I disputed the transaction with Citibank and the bank gave me a conditional credit of {$99.00}. I also called the bank on the next day and reported my card to be compromised, they cancelled it and sent me a new one. 
However, on XX/XX/XXXX I received a new email from Citibank that the conditional amount of XXXX was reversed because I 'accepted responsibility for the {$99.00} dispute with the merchant from XXXX XXXX XXXX and the dispute was closed in the favor for the merchant. 
I never accepted the responsibility for this transaction with the fraudulent merchant and simply wanted to get my money back as I was swindled out of my money by scammers from XXXX XXXX. 
I believe that the bank did not stand by their customers by offering financial protection and did not provide adequate investigation for the disputed transaction which was obviously a fraud scenario. 
I would like to file a complaint with the CFPB to get this investigated and receive a credit from the bank for {$99.00}. Please assist me with this case.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I was a mortgage holder with wells fargo since XXXX. My interest rate was XXXX XXXX and my monthly payment was {$1700.00}. In XXXX  the recession hit and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Our combined checks from ss equal {$2500.00} a month. During this financial hardship I've been dealing with wells fargo loan modification home preservation specialist since XXXX  to lower my interest rate so that I can afford my monthly payments with no progress. Every time they gave me an excuse of why they couldn't modify my loan. I've tried XXXX  different times with the same result. I've been borrowing money to make my payments and wont be able to keep up while I'm trying to XXXX. I havent missed a payment since XXXX and I was beginning to fall behind in XXXX. After being repeatedly denied for a loan modification wells fargo began threatening me with foreclosure. My credit began to plummet due to falling behind on payments. I had to borrow funds from different friends and family members to pay off my mortgage in full to avoid wells fargo taking my home. I was aware of the illegal practices they were committing and let them know during a phone conversation and I threatened to take legal action and immediately I received a call back from the higher ups within wells fargo stating that they would reopen my case and attempt to modify my loan but it never happened.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I had a checking account through Wells Fargo and they was always over charging my account and I had a lot of money stolen out my account I called customer service and they said there was nothing they could do so I closed my account because they stole my income tax money back in 2019
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

A Netspend Debit Visa associated with XXXX XXXX XXXX was purchased XX/XX/XXXX for a granddaughter 's XXXX gift. When she attempted to use the card, it wouldn't work. She then attempted to make sure the card was activated and when she contacted the company - using the number indicated on the back of the card, the person helping her asked her for personal information and being young, unsuspecting and inexperienced with the need to NOT give out personal information, she complied, at which time, they promptly hung up on her. She brought this to my attention today which is XX/XX/XXXX. I, myself, have made multiple attempts to reach someone associated with the financial institution - both Netspend and XXXX - to no avail. The prompts will not allow me to connect with a human and it keeps asking me to enter my social security number. I retired from the State of Texas Criminal Justice System and are well aware of the scammers and crooks working their plans and to never give out personal information. My granddaughter is XXXX XXXX XXXX and now we are going through the hassle of contacting the different credit bureaus to make them aware of the situation and hopefully head off any identity theft or creation of credit in my grand 's name. How can you help us with this situation? Thank you for your time.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OK)

In XXXX  I mortgage a {$200000.00} home with Wells Fargo, paid my home off within 5 years. I then later refinanced the same home for {$80000.00} in order to buy a second dwelling but then later sold that dwelling. Which the year would of been appox XXXX. I paid approximately {$30000.00} towards the refinanced loan leaving {$50000.00}. My monthly payments started out at {$800.00}. The next year it went up to {$900.00} we called asking them why wells Fargo claimed I didn't have enough equality. So I said fine and went on. The year after that it went up to {$1100.00}. Called back asking why and again they claimed not enough equality. Said fine and went on. The next year went up again {$1200.00}, again the next year XXXX, we kept calling asking what is the deal and they kept claiming the same thing. Not seeing any choice in the matter I just continued to pay it. Seeing that of course they would tell me if I didn't pay it they would send out foreclosure. My payment would go up {$100.00} a year for the next 10 years until I was basically broke and had to sell and move because I received a letter in the mail claiming my payment would go up yet again at the start of the next year making it {$1700.00} a month. I didn't know much about it so therefore I just seen that I couldn't afford it any longer and gave up my home to move into an apartment because it was cheaper. They refused to help me any nor explain to me any reason why it was happening except for I didn't have enough equality. At that time I was approx in my XXXX so I didn't have the patients and I figure they were doing me wrong but I didn't have the money to hire a lawyer and I wasn't about to waste my last precious years on them. But I know what they were doing was wrong.
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thrivepoint Financial Holdings, Inc. (NV)

I called Renovate America today to check that they had received my payoff check. In the process I found out that are trying to charge me ~ {$650.00} in late fees/interest. I missed 0 payments and was on time with all my payments for the life of my loan. The initial rep I spoke to was incredibly argumentative and not helpful in explaining what was going on. The supervisor suggested I send an email explaining the situation. I sent the following email. 

I was supposed to close selling my house on XX/XX/XXXX but due to the current global situation we were unable to close until XX/XX/XXXX. I closed on my new house on XX/XX/XXXX in the afternoon, escrow cut checks on XX/XX/XXXX, and I did not receive the payoff checks from escrow until Tuesday XX/XX/XXXX. That same day I sent checks second day air for a personal expense of ~ {$30.00}. I missed 0 payments and was on time with all my payments for the life of my loan. I would very much appreciate if we are able to waive the charges and close my account. 

Their response was your contract says this ( buried on page 2 paragraph 4 ). Which is why you were charged the amount. This type of charge was not described to me at point of sale or when I called them about a payoff quote 3 weeks before. It feels like a total scam.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.
Consumer complaint received 2020-11-19
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. (FL)

We are trying to get in contact with the mortgage company but the company does not have a valid phone number anywhere and they are not able to work this out. We have shown multiple late payments on the credit report only from one bureau hurting our chances of better options in our refinance for a VA loan. We need this correct as soon as possible to be able to save on the interest rates that are available right now. We even received an affidavit from the military giving voluntary surrender of the property due to my health conditions which Oriental received and should not be reporting this information. Please see images attached.
Consumer complaint received 2020-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal informed me that there was some suspicious activity in my Paypal account. I want to close the account because I do not want to get hacked. Paypal refuses to close the account and is demanding that I send a copy of my photo ID. My photo ID is private and because Paypal appears to have lax security, I do not trust Paypal with my private, personal information. I just want to close my Paypal account. Could the CFPB please help me get Paypal to close my account? Thanks! -XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Contacted Wells Fargo customer service by telephone XXXX times ( totaling over XXXX minutes ) within past XXXX days and visited local branch in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) over past XXXX days to close my checking and savings accounts, both of which have a {$0.00} balance. Was told several different and conflicting reasons why they were unable to complete closure requests.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX, I applied with USAA and multiple other loan providers for a personal line of credit. The loan needed to be approved, and I chose a different lender. My credit report reflects a perpetual inquiry of my credit by USAA from the date of the investigation, XX/XX/XXXX, until XX/XX/XXXX, adversely affecting my credit report. I did not consent to my credit being pulled beyond the initial inquiry date in XX/XX/XXXX. In XXXX I contacted USAA multiple times, asking for this error to be corrected. USAA has failed to contact me and address my concerns and did not notify me in writing of the process that was taking place, nor did they forward appeal policies and procedures that I am entitled to as a consumer. None of the other lenders I applied for credit within XXXX left an inquiry on my report until XXXX.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (NY)

I applied for an extension loan of {$20000.00} from XXXX XXXX XXXX  and they violated my consumer right by denying me credit on the basis of my credit file, which they got from third party agency. Upstart purposely violated my consumer rights which states that it is unlawful for any Creditor to discriminate against any applicant with respect in any aspect of a credit transaction. Upstart was given and used my social security number and still I received NO benefit. Upstart was also made known of the Equal Opportunity Act and still they denied me the loan / credit, which again is a clear violation of my consumer and human rights.
Consumer complaint received 2023-01-20
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: The CMI Group, Inc. (GA)

Notice to Intent to CREDIT MANAGEMENT LP, While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, and FCRA laws were violated. The fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.