davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX  still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with XXXX not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. XXXX for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NJ)

( XXXX ). On XXXX, I mobile deposit a Wells Fargo check # XXXX in the amount of # XXXX to XXXX  XXXX XXXX XXXX account. Wells Fargo debited my account on the same date XXXX XX/XX/XXXX. the Check amount was shown credited to my XXXX  account on the same date XXXX XX/XX/XXXX. ( see statement attached ) ( XXXX XXXX. On XX/XX/XXXX Wells Fargo debited my account again for the same check # XXXX in the amount of {$1400.00} XXXX a total of {$2800.00} for the same check ( see statement attached ). 

( XXXX ). I contacted Wells Fargo on XX/XX/XXXX about the debit on XX/XX/XXXX. Wells Fargo credited me {$1400.00} for debit made on XX/XX/XXXX and said they will dispute the claim. 

( XXXX ). On XX/XX/XXXX, an adjustment was made for check # XXXX for {$1400.00} was debited from my Affinity account. 

( XXXX ). I contacted XXXX  and I was told that the adjustment was made as a result of the funds were not dispersed to them for the XXXX from Wells Fargo. therefore the Federal Reserve debited my account. ( as you can see from bank statements both debit by Wells Fargo was applied to my account, and my account had sufficient funds available. 

( XXXX ). I ask why was the check showed credited to my account if they didn't received the funds, the representative stated that once a check is posted to the account they automatically credit the account until they received the funds from the other bank. 

( XXXX ). Wells Fargo investigated the issue and said, they credited me {$1400.00} on XX/XX/XXXX relation to the claim and that they have resolved all concerns, and recommend that I work with XXXX  and the bank who debited the account directly. 

( XXXX ). After receiving the letter from Wells Fargo, I contacted XXXX  and inform them of wells Fargo recommendation. XXXX  refer me back to Wells Fargo because they didn't received the funds from them and that's why they had to make the adjustment to have debited my account on XX/XX/XXXX. 

( XXXX ). I further contacted Federal Reserve who refer me to you. 

( XXXX ). Wells Fargo debited my account for the amount of {$2800.00} for the same check # XXXX, I was only credited {$1400.00}, and my affinity account was not credited the other {$1400.00}. Therefore Wells Fargo still need to credit me back that {$1400.00} that affinity didn't received.
Consumer complaint received 2022-10-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$820.00}
Consumer complaint received 2021-04-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

This is additional information for complaint # XXXX. 

Today, I spoke with WF Home preservation. They said that HUD was demanding payment of my COVID EM partial claim now, and to read the details of my paperwork. Further, they could not give me any HUD information and had to contact HUD. However, their system lists that they completed the partial claim process on XX/XX/XXXX. 

After I spoke with HUD. HUD reports that WF did not process the paperwork for the COVID EM partial claim and had 90 days to complete from the date of closing XX/XX/XXXX. HUD did authorize the funds for the partial claim. Further that HUD is not demanding payment of the partial claim now as WF ( home preservation ) told me today. HUD said it was up to my new lender if they wanted to do conventional or FHA and subordinate the HUD claim. 

It is just as I thought. They have not completed the process and trying to get me to pay it because I am refinancing.
Consumer complaint received 2021-04-13
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. (MI)

Sent several certified letters to verify accounts that supposedly belong to them and they came back stating they investigated them but they couldnt have because none of these companies have not sent verification documentation to me. However, they did state they will not investigate anymore after I submitted certified proof. I feel like they have not done their job and violated my rights. The credit company nor the collection companies.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX v. XXXX XXXX, No. XXXX ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is violating the Truth and Lending act and has not sufficiently established that it is the owner of the alleged debt The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached a letter to have this debt verified on my verification letter dated XX/XX/2020, again.
Consumer complaint received 2022-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have been making on time payments consistently for a few years now. Originally my interest rate on the loan was XXXX, It was originally taken out from Sallie Mae in the XXXX timeframe was {$12000.00}. 

Unfortunately I wasn't able to pay it for several years I fell within the requirements for the previous settlement save for this mysterious payment that showed up within my 'history ' on XX/XX/XXXX that I never paid, or at the very least I don't remember ever paying. without that payment in there I went 9 months consecutively without paying until I went into bankruptcy. 

When I got out of bankruptcy, my loan had ballooned to {$30000.00} and now my interest rate was a little over XXXX. I consistently made payments until I needed a small forbearance but when it was over I went back to consistent payments ... my interest rate went down to XXXX. I continued to make payments until I needed to do one more small forbearance and then when I got out I continued to make payments at a higher payment to cover what the forbearance cost me. 

In XXXX, when I made my first payment, 2 more capitilized interests were added just before making me required to pay back {$30000.00} and from that point on I have made on time payments ranging from $ XXXX to $ XXXX and as of XXXX XXXX of XXXX my loan is now down to {$23000.00}. 

XX/XX/XXXX, I was sent a letter explaining that a change in my loan terms happened, my interest rate was raise to XXXX and now my payment is XXXX up from the XXXX I was paying. 

It's as if the further I pay this down the higher my interest rate goes which is mind boggling to me. I snuck in a 'payment ' in my history to get out of erasing this loan and are only making it harder on me to pay by raising the interest rate for no reason. 

the letter I got from XX/XX/XXXX explained that after I make these new payments until XX/XX/XXXX I will have made $ XXXX which is far more than what I owed originally. Navient 's criminal behavior needs to stop!
Consumer complaint received 2021-08-12
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. (IL)

My issue is with Equifax, and the credit score they are reporting. According to myEquifax account, I have a delinquent account, which is negatively impacting my credit score, which is untrue. I do not have any delinquent accounts, and when I called Equifax today and spoke with a representative XXXX XX/XX/21 XXXX, they stated that they don't see a delinquent account in my record and are unsure why it is appearing on myEquifax and why my credit score has remained poor and not improving, despite the lack of delinquencies.
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Performant Financial Corporation (MI)

On XX/XX/XXXX, I receive a letter for the my employer, a school district, indicating that on XX/XX/XXXX they received an Order of Withholding from a company called of Premiere Credit of North America LLC, effective XX/XX/XXXX for a total amount owed of {$65000.00}. Prior to this, the district received calls from Performant and XXXX XXXX XXXX in XX/XX/XXXX indicating they are servicing the same student loans. A request for proof of the debt was made however none of the companies provided anything by mail or fax, rather stating they do not provide such documentation. I contacted the Department of Education on the evening of XX/XX/XXXX after work to find out who is servicing the loans and was given the name of XXXX XXXX, XXXX, and XXXX XXXX. None of these are the company who submitted the Wage Withholding Order to my employer. It seems that someone is flipping my student loans over to different companies and the balance is getting larger for the XXXX Degree that I earned 10 yrs ago. When the district received calls in XX/XX/XXXX from Performant, they were told that I recently applied for an installment loan and they were verifying employment. When they were asked to provide a contract or application confirming this alleged installment loan, they did not.
Consumer complaint received 2022-07-15
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. (CA)

On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit 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. (CA)

Fraudulent charges from XX/XX/22 thru XX/XX/22 were charged back to my account. Company is refusing to provide receipts that show a signature so I can show it is not my signature. Is Home Depot not saving customer signatures for purchases?
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (NM)

I did a XXXX XXXX transfer to XXXX  Bank on XX/XX/21 it has now been several weeks XXXX even gave an ACH confirmation code number XXXX, the funds are still missing and Chime is just giving me the run around, even though they stop {$44.00} from me
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (NY)

I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!
Consumer complaint received 2024-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX XXXX called but calls were dropped after verification ; emailed WF notifying them of housing counselor NACA point of contact XXXX XXXX XXXX Housing Counselor NACA requested documents and made aware of my Lender/servicer Wells Fargo Home Mortgage XXXX XXXX XXXX dated ltr addressed accuratelXXXX to me and received by mail on XXXX XXXX XXXX only ltr since XX/XX/year> mentioning an investor, Fannie Mae after I mentioned their XXXX XXXX  ; documents were submitted to via NACA XXXX XXXX XXXX XXXX XXXX XXXX preliminary foreclosure filed XXXX courts
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

First Bank Fl, keeps sending me notices that indicate that there is a problem with my condo insurance policy. XXXX XXXX  sent a letter on XX/XX/2021 stating that " The policy submitted did not show the loss payee as XXXX XXXX XXXX '' My Insurance is paid via escrow and the policy on the condo has never changed in XXXX years. I would like to know why they are contacting me and not handling any issues that they have directly with the XXXX company. 

Loan XXXX
Consumer complaint received 2021-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (GA)

I received a text from a company saying that my mortgage was in default and I was at risk of foreclosure. I currently have my mortgage in deferment with my mortgage company. 

I called this number XXXX to verify the situation. I spoke with XXXX XXXX - XXXX # XXXX. He asked for my loan number, which seemed odd. He also asked for my date of birth. 

He offered me three options - continue with my deferment in which I would lose out on the special opportunity for a mortgage amendment, or take a mortgage amendment at a lower interest rate, or refinance my mortgage. I asked about the mortgage amendment.

He brought me a new offer of 2.75 %. I was asked to make three trial payments in order to make the amendment permanent. The three trial payments were not to be paid online to my mortgage company and they would not show up on my account. 

He asked that I go to a nearby place to wire transfer the first payment for cash. I told him that I couldn't leave my house at this time, he tried to set me up with an account at XXXX XXXX to send the money. 

He became very pushy and I was uncomfortable. I told him that I wasn't going to do anything today and I would call back. 

He told me that the offer was only good if I took it immediately. He kept telling me he was recording my consent to the offer and he was from my mortgage company. 

I was almost convinced and almost sent the money. I did some online research and found some fraud reports for this phone number. I decided to report it instead.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Spoke with Wells Fargo originally on XX/XX/XXXX. They couldn't find the information about the issue but ultimately they lost a check of {$2800.00}. This was a lump sum check to pay off the final agreed upon amount. They NEVER let me know that this was not applied to my account. This check was written in XX/XX/XXXX. I found out THIS year in XXXX of XXXX that this was the case. After I had to prove the money was paid etc. they finally located it. We spoke with XXXX XXXX about everything for WEEKS. Finally, XX/XX/XXXX my credit reflected the corrected account information including a XXXX balance and no delinquency. Exactly one month later, my credit dropped severely and Wells Fargo reported my account delinquent again and that there was an outstanding balance of {$6200.00}. Thus, they reported that no payments were made and that the account was delinquent etc. We called XXXX XXXX again on XX/XX/XXXX or XXXX ( dates are not for certain ) and asked him about this again. He said it looked right on their end and nobody did anything to report it delinquent. Now, as of XX/XX/XXXX, Wells Fargo has reported my account balance once again as {$6200.00} and as delinquent. They refuse to help us make it right and we want our account to be fixed and stay fixed.