davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EMBRACE HOME LOANS (TX)

I have been working with my current mortgage lender ( Embrace Home Loans , Inc. 
XXXX XXXX XXXX, XXXX, RI XXXX ) since XXXX, XXXX, XXXX with a goal to refinance my current property ( single family home, Address- XXXX XXXX XXXX XXXX XXXX TX XXXX ). Currently I am paying approx {$2000.00} per month including escrow and my goal was to minimize payment per month through refinancing. 
Mr XXXX XXXX, Sales Manager/Senior Loan Officer, NMLS # XXXX was the person of contact for my loan application. His Cell # : XXXX www.embracehomeloans.com NMLS # XXXX ; email : XXXX ; Fax : XXXX and phone # XXXX ext. XXXX as stated in his email signature. 
He pulled my credit score, gave me a super great estimate with a savings of close to {$500.00} per month for 30yrs 3.75 % fixed interest etc. I have the document of what he predicted and sent me.Then he asked me to pay {$520.00} for an appraisal of my home. I paid it through my debit card. Appraisal came back in 2 weeks. Finally the whole application is denied/ declined and the last email that I received from Mr XXXX `` I am struggling to qualify you because of the debt ratio now based on the new appraisal value. Let see if rates go lower ; this may help us better ''. I tried to talk to him after that to explore all other options, but unfortunately he never responded nor follow up with me. My home appraisal was XXXX lower than what it was in XXXX, XXXX. Mr XXXX has been giving me false hopes after hopes, literally lectured me to trust him who has enormous amount of depth of knowledge in home refinancing etc and at the end I lost all hopes and my hard earned money {$520.00} for nothing! If he is knowledgeable in this field, he should have an idea upfront about my current home appraisal and when he already knew my credit score etc before stepping into the next stage of running appraisal by spending {$520.00}! Literally, he mislead with lots of lecturing clients like me with hardships with false hope or even come up with a beautiful estimate, steeling my money for appraisal and then washed his hands. In my opinion, Mr XXXX is never transparent with me and he definitely have lack of knowledge whether to start processing an application etc, to handle any mortgage related issues. He can only mislead customers!
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CT)

Transworld has been leaving voice mails twice a day concerning a debt. I have tried calling phon # back that they specify only to be put on hold forever! This has been happening for several monrhs. I am debt free!! This has to be regarding a family member.
Consumer complaint received 2020-05-20
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. (TX)

Credit Bureaus : XXXX, XXXX & Equifax are inaccurately reporting late payments on my credit report for XXXX XXXX in XX/XX/2014. I have never been late on this account.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

I applied for a refi in XX/XX/XXXX and was scheduled to sign closing docs on XXXX. However, minutes before the notary service was to arrive they sent a text saying the signing was canceled and the lender would contact me. They didn't but I called them and was told they need to verify my XXXX tax returns transcripts but XXXX  system wasn't allow them access due to Corona Virus issues so they told me I had to get them myself. I tried 3x but it wasn't available to me either online. I provided the lender XXXX XXXX proof of filing online 2x. After requesting a manager and calling them several times my rep XXXX said they still had to wait for the transcripts. So far they have not return my calls and loan still not closed.
Consumer complaint received 2020-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  Company Inquiries XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXX/XXXXDispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXXXXXDispute  XXXX  XXXXUnder Dispute XXXX XXXX XXXX  XXXXDispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXXXXXUnder Dispute
Consumer complaint received 2020-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I am a XXXX XXXX XXXX  XXXX veteran of the XXXX and I was approved to have all my student loans discharged through the XXXX discharge process on XX/XX/XXXX through XXXX. I had 15 loans in total, 11 loans have been discharged and reported to the credit bureaus and taken off my credit report. However, 4 of these loans have not been discharged that were included in this XXXX   process. I have called XXXX several times and they keep saying it is nothing they can do and to contact Navient the servicer on these loans. I have called Navient on XX/XX/XXXX, I spoke with XXXX and was told to check back in 7-10 business days and the loans would be discharged. That did not happen. I called Navient back on XX/XX/XXXX and was told that XXXX  the guarantor had requested information and the information requested was sent back to XXXX and they were waiting on the payment for the claim from XXXX. The loans are still waiting to be discharged. I called Navient back today XX/XX/XXXX. I spoke with XXXX a customer representative and explained the situation and she transferred me to Ms. XXXX in the claims department and I explained the situation again and she put in an expedited ticket to the process dept to find out why these loans have not been discharged. She  ( Ms. XXXX ) stated this would be the 4th time this has been sent to the process dept. XXXX, XXXX, and XXXX have these loans discharged, Navient is the only one that is not accurate and keep giving me the run around instead of having these loans discharged and reported to the credit bureaus as such. I am looking to have these loans discharged as they were approved to be discharged. This  whole process is exasperating my XXXX. The guarantor XXXX ( I spoke to XXXX ) stated that on XX/XX/XXXX 3 of the 4 outstanding loans were paid and the last loan will be paid on XX/XX/XXXX. We also placed a conference call to Navient so they can get the information firsthand from the guarantor that the loans have been discharged. I have been told that I must wait until XX/XX/XXXX to get an answer from the expedited ticket. I should not have to wait another day to get answers or the loans discharged. I have uploaded the loans in question from Navient, the payment history on the loans, and the letter from XXXX stating my student loans were approved for discharge. I am seeking help to get these loans discharged through Navient.
Consumer complaint received 2020-05-19
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. (WA)

To Whom It May Concern : I sent a request for the method of verification to Equifax via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Consumer complaint received 2020-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts are fraudulent and do not belong to me XXXX XXXX account number XXXXxxx openedXX/XX/XXXX XXXX/XXXX   account number XXXX opened XX/XX/XXXX XXXX/XXXX   account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX  + duplicate listed twice account number XXXX XX/XX/XXXX
Consumer complaint received 2020-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (MD)

I have an automatic payment set up for monthly draft payments for my home equity line of credit that I have had with Ally mortgage for 13 years, previously XXXX. On XX/XX/XXXX of XXXX, I sent in an updated REQUEST to change the bank the payments would be drafted from my account # XXXX XXXX XXXX checking account. I have ALL copies of the agreement, voided check, and their form completely filled out accurately and submited XXXX. On XXXX XXXX, XXXX, in response to my change in 'bank draft ' account number only - I got a confirmation letter from Ally acknowledging same - start draft date was XX/XX/XXXX bank account # XXXX contractual monthly payment ; {$1100.00} - but paying additional principal of $ XXXX acknowledged in writing by ALLY to me. 

Since I have had that set up for 13 years, never had an issue, I did not go and audit my bank account in XXXX to confirm the payment was drafted. I got a letter from Ally dated XXXX indicating that I was 2 months due on my mortgage. I immediately called Ally and complained regarding the EXACT information and written confirmation from them. I said I want in WRITING a statement from ALLY that I would not be charged a 30 day late and or late payments and I would pay both immediately. BUT - since their service and promises are so bad and my requests repeatedly ignored - I told them I want the letter FIRST as I can see myself fighting them even more once they hit me with a late mortgage payment that was THEIR FAULT CLEARLY. 

4 different representatives - all who have referred me to supervisors and then the supervisors have said twice the 'letter to confirm ' no late mortgage payments to me for any kind of late, especially a 30 day late due to the Bank 's ( Ally ) not properly acknowledging and drafting payments they had authorized and acknowledged. 

i still sit now on hold for 45 minutes but this is another Bank unconscionable act and leaves the homeowners in dire straights during especially such a financially taxing time.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So XXXX you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are XXXX! All of ya, XXXX! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (IL)

I have received A notice of past due account from EOS CCA Dealing with a loan I supposedly received at the XXXX XXXX XXXX. All of my student loans incurred at the XXXX XXXX XXXX have been discharged due to my full and complete Veteran 's XXXX, and the amounts they are specifying that I " received '' in the letter, I never have and have no knowledge of such transactions with this company, nor the referenced company XXXX XXXX. This is a severe case of identity fraud, it can be no other option. 
I want this false account not only dissolved but removed from any and all credit bureaus IMMEDIATELY, or they will face severe civil legal action.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with XXXX  and Equifax. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from XXXX. See enclosed. I am sick over this and will persue legal action against this place if not rectified.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I asked for it out of my statement from when I got out of XXXX  on XX/XX/XXXX until XXXX the back-to-back they didn't really give me what I asked for but when I look down there it was very important very very apparent that there were two cars and I know I know that there was a woman on the inside had all the information to make sure and I'm pretty sure I know who who was out spending and one day she took {$780.00} out of my account and I wanted it shut down and they won't shut it down because I got a negative about any shows everywhere that she's so there's no place there's no way I can shop both places at the same time as activity 1 part of town and she as soon as this woman is still working and then I brought your attention and they said you can't cuz you got a negative violent the next track CC I want that count down right now and I want her arrested and she she's got it don't know who exactly who did it and she spent {$500.00} out of my account people that work down in the bank the one that helped me see how she made a card she had several cars on a repaired when you see the thing there it's apparent
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (WI)

on XX/XX/2020 my card was activated. It was sent to my old address, after I put in a change of address at my post office in XXXX WI. My income taxes was deposited on to my card and the card was stolen by my previous roommate. I was sent an email on XX/XX/XXXX at XXXX a whole day later saying my card was activated. This card was stolen out of a mailbox and opened by someone else. I gave them the information of who I thought it was. I immediatedly logged into my account and seen that XXXX has been stolen within 24 hours. I immediately called American express and cancelled the card immediately. i called the police and made a police report and gave them my former room mates information also.I filed a dispute and American express denied my claim stating that the transactions were authorized. I never even seen the card. Then they sent me a new replacement card that I had to cancel also because it went back to that address. The same person tried to use the card but I changed the pin so the account got locked out. I want t know how the came to the conclusion that these transactions were authorized? I still to this day XXXX have not got my card with my name on it from American express. I do not have my income tax money, I do not even have access to my card at all. It has been over a month and I have not even seen this card but have been stole from and they refuse to give me my money back. now I am homeless with my XXXX children and American express has done nothing to resolve this problem.
Consumer complaint received 2020-05-20
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. (NC)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-02-04
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. (CT)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

Hello, so this not about a specific company per say, but an individual who claims they can give you more money than what you paid ( ie pay {$100.00} and get {$500.00} ). I paid him over XXXX with my Wells Fargo account with 4 separate payments of {$200.00}, {$100.00}, and {$200.00}, on XX/XX/2020 and {$250.00} on XX/XX/2020. Not only did he promise me immediate results ( how Id be able to get {$4000.00} by only paying {$300.00} ) he kept making me pay more and more under the guise that Id get my money back. He never gave me my money back and said he couldnt and never gave me anything at all. His XXXX is XXXX ( I also have many more screenshots of the conversation if needed )
Consumer complaint received 2020-05-19
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. (CA)

I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX  XXXX has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all XXXX credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX  XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.