davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (NE)

We wrote a check to our mortgage lender, Bank of the West ( BotW ) on XX/XX/2020, but they took the wrong amount out of the check. The check was written for {$2000.00} ( I saw the canceled check on my mobile banking so I know it was written correctly ) but they only read it as {$200.00}. I fixed the problem with my bank where I wrote the check from, XXXX XXXX XXXX XXXX XXXX XXXX, and they took the additional {$1800.00} out of my account on XX/XX/2020, but it never made it to Bank of the West. BotW called me on XX/XX/2020 to say my mortgage was late. XXXX  said that BotW had to request the money as it was sitting at XXXX XXXX and they gave me a resolution letter number to give to BotW. I called BotW and I told them that I had paid the full amount and that they had to request the money but they would not help me. On the phone they told me to email which I did two days ago but have not heard anything back. I am lucky that I just went ahead and paid the amount again which I can afford to do but they charged me a late fee ( ~ {$35.00} ) and my {$1800.00} is still out in banking limbo somewhere.
Consumer complaint received 2020-11-20
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my family
Consumer complaint received 2019-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

After finalization of my divorce I bought my ex-husband out in XXXX to maintain my primary residence. The deed on the property changed from me and my ex-husband to me alone. In order to do this I took out a loan from Pacific Union Financial in the amount of {$360000.00}. Because of income limitations the mortgage representative suggested a co-borrower and my parents agreed to be co-borrowers. Pacific Union Financial required my parents and myself to sign both a promissory note and mortgage document but my parents never had ownership of the mortgaged property. According to the loan officer since the loan was an FHA loan, in order to comply with FHA guidelines the mortgage document had to be signed by all three parties. 
In XX/XX/XXXX Mr. Cooper bought Pacific Union Financial and serviced my loan. Due to a financial hardship on XX/XX/XXXX I applied for mortgage assistance an asked Mr. Cooper to look at a possible modification of my loan. In the interim I remarried and in the process of the modification application, I asked Mr. Cooper to evaluate the income based solely on my income and my husbands income alone. My parents never materially participated in the payments of my mortgage and including only my household income would give a truer picture of my affordability of paying back the loan. Mr. Cooper agreed and asked my husband to sign a non-borrower support letter. I also disclosed to Mr. Cooper that the title of my property was in my name alone. The company 's response back to me was I needed to include a recorded Quit Claim Deed which would have retitled my property from Me, My Dad and My Mom to Myself alone. It according to Mr. Cooper would be an FHA requirement. Unfortunately my parents could not give up ownership of a property they never owned and Mr. Cooper declined my application because I could not provide ownership change documentation. Having questioned how under FHA guidelines the original loan was able to close when my parents had no ownership Mr. Cooper 's response was they were not liable for anything Pacific Union Financial would have done in  the past. I didn't agree with that statement and suggested that through the purchase of Pacific Union Financial, Mr. Cooper should be accountable for any errors or mistakes made by the previous  company. I recently received a denial letter ( see enclosed ) from Mr. Cooper regarding the modification and correspondence from Mr. Cooper 's attorney 's ( see enclosed ) informing me that foreclosure proceedings have started. I feel that there was a mistake with the original loan and that mistake is not allowing me the chance to modify my loan or take advantage of other options like forbearance. I have since contacted FHA directly and they are in the process of investigating my case. I also have contacted an attorney and may opt for a lawsuit against Mr. Cooper. I am hoping that Mr. Cooper will reconsider my modification or rectify the issues which started with Pacific Union Financial. Thank you for your prompt attention regarding this matter.
Consumer complaint received 2022-12-29
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. (GA)

Affidavit of Truth 1. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, so be it, and ; XXXX. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached, so be it, and ; XXXX. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and /or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted commerce, so be it, and ; XXXX. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 6. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that is in violation of 1681i 7. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit B that is in violation of 1681a Thank you for your time. 

I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charges.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NH)

During the fall of 2018, I had fallen significantly behind on payments on a credit card that I had with Elan Financial Services and had entered a payment arrangement with them to avoid having my account go 120 days past due and fall into " charge-off '' status. 

My account was set to go into " charge-off '' status on Friday, XXXX XX/XX/2018. 

Through no fault of my own, the first payment that I was going to make as part of the payment arrangement had gotten delayed in the mail and wouldn't arrive until the Saturday, XXXX XX/XX/2018. 
I called Elan Financial Services on Thursday the XXXX and Friday the XXXX to inform them of my predicament, provide them a tracking number for the envelop that I had sent the money order in ( as well as the serial number of the money order ), and see if there were any solutions whereby we could avoid having my account charged off. 
On Friday, XXXX XX/XX/2018 at approximately XXXX Eastern time, I was able to speak to a male supervisor at Elan Financial Services . This supervisor indicated that I had been misinformed about my account status and that the charge-off date was not until late XX/XX/2018 XXXX I do not remember the exact day that he told me ), and that as long as my money order was in their mailbox on Monday, I'd be fine. 

By Monday, XXXX XX/XX/2018, I realized that my account had in fact been charged-off so I called Elan Financial Services and spoke to a supervisor named XXXX ( her direct line is/was XXXX ). I described the situation to XXXX, who indicated that she would have to look into it and call me back. 

On Tuesday, XXXX XX/XX/2018 at approximately XXXX, XXXX did call me back to let me know that she reviewed all of the information and phone calls and that the male supervisor was indeed mistaken when he informed me that my account would not be charged off until late XXXX. Due to his error and the payment arriving late being no fault of my own, XXXX indicated that Elan Financial would not report my account as charged off/past due/delinquent to the credit reporting agencies. 

For the following two years, I have tried multiple times to have my credit reports updated, but it has not worked. I have disputed directly with the three bureaus as well as Elan directly, and they have made some changes, but my account still variously appears as delinquent/charged-off/past due ( depending on the credit reporting agency ) even though I have since settled the debt with them, hoping that this good faith move on my part would cause them to hold up to their agreement. 

I have been denied additional credit/increases on existing lines of credit multiple times since XX/XX/2018 directly due to Elan Financial Services not updating their reporting.
Consumer complaint received 2019-10-04
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: U.S. BANCORP (OR)

My Elan Financial Services ( credit card ) account was charged off years ago before I understood credit. I contacted Elan Financial recently and created new payment arrangements I think back in XX/XX/2019. I have not been late on any payments since then. Despite my on time payments from XX/XX/XXXX to present, the credit bureaus continue to report the payments as late.
Consumer complaint received 2022-12-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (TX)

I have reached out to Westlake Financial on numerous occasions to get the documentation for the auto loan they are reporting on my credit reports. After several attempts, they have failed to provide me with anything. Tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

I requested my original contract, legal disclosures, all documents required for the repo and anything else they have in their possession. I never received it. 

I could easily take them to court for continuing to report this account on my credit reports since i did not give them permission to do so in the first place. At this time, I am simply requesting this account be deleted from my credit reports.
Consumer complaint received 2021-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX, XXXX XXXX  XXXX  XXXX, I spoke with XXXX XXXX XXXX after finding out that I had a debt collection on my credit report. I wasn't notified about this issue via email, mail, or anything. I then reached out to find out what is going on, and why I was not notified by XXXX XXXX to prevent this from reaching my credit report. They confirmed they sent it to an address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I advised them that was not an address I have lived at since XXXX. They then said, " Well, we have a XXXX XXXX XXXX XXXX, AZ XXXX on file ''. I advised them that I never received that whatsoever. ( On XX/XX/XXXX, I reached out to the Postmaster to get a copy of all the mail I have received for 1-year. XXXX XXXX is nowhere on the mail report showing them ever sending me a letter. ) I proceeded with a friendly conversation to ask them how can we get this handled right away and get it removed. They neglected to say anything, so I then threw it out, " What if I pay you in full right now? Can we get it resolved? '' They responded, if you pay it today, we will update the credit report to reflect a XXXX balance immediately. I asked them if they verified this information before they posted it to my credit report. They said they didn't have to as of yet because it wasn't requested. They then said, After the payment has been posted for 30 days it would be removed. I asked for that in writing before I pay the bill, they refused to do so until I paid. So, I paid the bill to prevent myself from being homeless because their line of credit is what is preventing me from buying or renting a home. I am attaching the letters that were sent to me and the information. I would like XXXX XXXX to be Shutdown due to this exact issue. For being deceptive, misinforming, and not providing required notification prior to all this occurring. 

On XX/XX/XXXX, I reached out to XXXX XXXX to address this issue and they refused to do anything and said, " I have no knowledge of this phone call and I will document your call and that's all I can do! '' I spoke to a XXXX XXXX XXXX. After that, I became irate. This company has lied, posted inaccurate information to my credit report, and never properly notified me of the issue to prevent it from getting on my credit report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I was using XXXXXXXX mobile application and play some online game for amount deposited i use my chase credit card as they accept all types and all bank card. And I made several transaction in past month And i see today for all truncation they charge me cash advance transaction fee and interest cash advance fees for almost XXXX $ each transaction. And they didn't notify anything bank say the transaction process by merchant were cash advance. when i talked to merchant they said they processed as regular transaction and there should not be any additional fee they are charging or bank should charge. And i called bank twice and explain they situation to dispute the transaction but they are not listening.
Consumer complaint received 2021-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (MI)

Friday XX/XX/XXXX I had a debt for a thousand dollars from money lion.com ti contacted the company and somehow a loan was taken out in my name. 

Friday XX/XX/XXXX I had a debt for XXXX from moneylion.com I contacted the company and I was randomly charged for a loan I never took out. 
Both times company refused to do anything about it
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I was robbed/conned out of Thousands of Dollars by whom I now know to be XXXX XXXX. Chase Bank refuse to refund me the money, I was under the impression my money in the bank is FDIC insured. 

I filled a police report REPORT NUMBER : XXXX on XX/XX/2020 that completely went ignored by the XXXX County Police Dept. I launched my own investigation and was able to get surveillance of the perpetrator. However I went as far as I can go as a civilian. Luckily he also committed the crime in XXXX, and I was able to get the help of Officer XXXX XXXX and Sargent XXXX XXXX. They really cared about me and we got him arrested. However, he only served 3 hours and he was nabbed on only {$500.00} prepaid cards he purchased with my bank cards at XXXX in XXXX, Washington. 

I want to alert you that XXXX befriended me in XX/XX/2020, and by XX/XX/XXXX he asked me to lend him {$4200.00} in cash and he provided personal checks on the spot that ended up bouncing. That afternoon he stole my bank cards as unknown to me he watched me enter my PIN when I lent him the money utilizing the ATM. He proceeded to go on a 3 days stealing spree until I received fraud alerts, as I was quarantined indoors and had no idea my cards went missing. This has resulted in Chase not wanting to return the {$2400.00} he stole from me, as well as, i'm  out of the {$4200.00} bounced checks, and XXXX still owes me {$1200.00} that i have to contest. 

My life has been turned upside down by this sociopathic conman, i no longer have trust in people, and he was on a mission to deplete me of my life savings. He also claimed to come from a really  wealthy family of doctors back in XXXX, he portrayed himself to be an Engineer working for XXXX. He will do this to others. He claims to be here on a work visa. 

I was not able to get the surveillance from the Casino and different bank branches ATM that he used my cards at because I am merely a civilian. However, Chase Bank has been completely uncooperative. XXXX ( XXXX @ ex XXXX ) from Chase Executive Office has been completely uncooperative. They refuse to reimburse the stolen funds.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: POPULAR BANK (CA)

In an attempt to refinance my current home loan, I discovered that Popular Bank failed to file the lien release from a pre-existing second mortgage loan we had with them from XXXX for {$75000.00}. Since XX/XX/XXXX, I have contacted Popular Bank many times to resolve this issue. I have filed a Release/Satisfaction Requirements/Mortgage Release form with them. I have provided all of the necessary documents they are requesting. I have emailed and called to speak with representatives countless times. I have offered to pay {$1500.00} to help with the cost of filing the paperwork they failed to file in the first place. They have sent me two letters saying that I need to wait 30 days while they continue to investigate. It has been well beyond the 30 days and I still have not received any information from them. They have not provided me with any documents that prove that I still owe on this loan or that they have ever made any attempt to contact me or collect on this loan. They don't  even have a pre-existing account number to reference. 

This loan was sold to several different entities and then was paid off in XXXX when we went through a loan modification/consolidation process. Because we have never received any notification that this loan was in default, nor has anything appeared on our credit, nor does it currently appear on any of the Title records filed with the county, we had absolutely no knowledge or reason to think that this loan was not paid in full and the lien was released, until now, 10 years later, when we are trying to refinance our current mortgage.

Now, because so much time has passed, this is costing me money not being able to move forward with the refinance of the current mortgage on my home. Popular Bank has failed to contact me within the time frame they established. They have failed to provide any proof of default on my part. They need to file the lien release now, as they should have done years ago, as it is their responsibility to do so in a timely manner.
Consumer complaint received 2020-11-20
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: JPMORGAN CHASE & CO. (SC)

I applied for the Chase XXXX XXXX card because of the 0 % interest rate on balance transfers they offered in at least 3 mailers inviting me to apply for the card. I applied for the card on XX/XX/20, was approved for the card on XX/XX/20 after sending additional documentation and calling Chase. I received the card on XX/XX/20 and called to get my account set up and card activated on XX/XX/20. When I logged on, I did not see an option to execute a balance transfer anywhere on the site, so I called back. I was told by 3 different representatives that there are no balance transfer offers on my account at this time and that there is nothing they can do about it. The third person I spoke to told me I could eventually have an opportunity to do a balance transfer in the future if their marketing team invited me. 

I applied for this card solely for the balance transfer offer. The 0 % interest rate on my other business account expires on Wednesday, XX/XX/20, so I thought I would have plenty of time to initiate a balance transfer by applying on XX/XX/20, but now, Chase is telling me that's not an option for me. They used false advertising to lure me into an offer they never planned on giving me.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I was scammed into believing that I was being helped. I bank with Wells Fargo. 

A man had written me a check for {$2200.00}. He said I could keep XXXX of it as long as I sent the remainder to a " colleague '' through XXXX. On XX/XX/2020 I had sent over the first transaction for {$500.00}. Then the next two days I had also sent an additional {$500.00} both days totalling {$1500.00} for all three. On XX/XX/2020, the check that I had deposited was marked item returned unpaid and my account was down in the negatives. I immediately filed a claim with wells fargo. For a week, I did not hear from them. Then I was receiving all of these emails and notifications for bank fees, during which I had no money. Then today, XX/XX/XXXX, I was locked out of my online banking. For hours, I had to gain access to my account again. During a final phone call of the day, the woman on the phone with wells fargo had told me that there was nothing they could do since it was authorized through XXXX. I do not find this to be fair or just that a scammer can get away with my {$1500.00}. I had asked if I could at least get all of the bank fees that had occured due to not having sufficient funds on my account, but I was not granted so.