davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALAMEDA MORTGAGE CORPORATION (CA)

XXXX XXXX made promises to me in XX/XX/2022 that my loan would be for XXXX cash out and take about 2 months. XXXX made the samXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX made the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX to XXXX. 

I thought my loan had started, I gave XXXX every piece of document he used in the loan by XX/XX/XXXX. However, XXXX said he needed my certificate of occupancy to go forward. He needed that in order to make the appraisal work for the loan. So he lied to me to make sure that he increased my interest rates XXXX % for the entire loan. 

XXXX also said I did not qualify for a home equity because XXXX XXXX is qualifying for a home equity anymore since covid ''. the qualifications have changed, you don't qualify. But that was also a lie so he could refi the entire amount of the loan he did a year an half earlier. 

How is that the Alameda Mortgage standard of care that XXXX XXXX the board of XXXX agrees with and says its a competitive loan??? Its fraud!!! The claim at the California Department XXXX Financial Protection and XXXX is the same as the one here. please answer my question, why is this ok>? >?
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALAMEDA MORTGAGE CORPORATION (CA)

Why do you think that this loan was a meeting of the minds. I got this loan for a stated purposeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You knew that. You made assurances to a XXXX  knowing that. You know of the lawsuit I filed prior to signing the loan docs. The law suit states I will not give up my right to court. But the loan not only takes away my right to go to court but also goes against public policy by causing a default if I report any crimes that your XXXX XXXX XXXX  Then the loan takes away any remedy a judge XXXX find. You demand repayment of any law suit I win against you. 

There is no way that there was a XXXX XXXX XXXX XXXX and you knew that. It was an active concealment on your part to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That is fraud!!! 

Why do you think that is ok to continue to do and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I am complaining again to remove the items indefinitely Here are the Aforementioned items : XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX XXXX... Balance {$4600.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXX XXXX  Date of request XX/XX/ ; XXXX XXXX Date of request XXXX
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

PayPal banned my account. I comply with their legal agreements but they shutdown my account instantly. I don't have any disputes in my account. The executive of PayPal email me that their decision is final but its not fair for me because I don't make any illegal activities in my account, and their reasons are not acceptable because its changing. First they email me that Im violating the rules from gambling and then they email that I'm violating about unapproved file sharing then they email that my account was in a potential risk. I don't know what is the real reason. For me I don't make any illegal activities in my account they acuse me the things that I don't make that's why PayPal is unfair.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I was incarcerated and almost XXXX were taking out of my account when I finally was released I called the bank and explained the situation and provided proof that I was incarcerated and I never got help or a resolution everything was denied despite the fact that I even told them I was incarcerated for 6 months and didnt do any transactions that caused my account to be closed and my money to be gone
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Back in 2011, I tried to get my mortgage modified. Wells Fargo deliberately kept losing the paperwork. I know that I submitted over 5 plus times or more the same documents. Their employees were instructed to play the games of refusing paperwork by stating we don't have it. The foreclosed property happened anyway due their lack of direct communication, constantly losing paperwork. My work hours were reduced tremendously causing the mortgage payments to fall behind and my wife became ill with XXXX XXXX trying to fix things. I truly regret having Wells Fargo as our mortgage company during XXXX timeframe. We didn't get the help or a affordable reduced payment. My family and I including my XXXX mother in law was forced to vacate the premises which led to filing bankruptcy. It is with sadness we lost our beautiful home not only due to hardship but no communication accuracy. Well Fargo changed employees like clockwork, reason why everything was chaotic. " Every other day, every week the same thing we don't have it, paperwork they requested. '' It was always promptly sent every way we could, fax, email, usps.
Consumer complaint received 2023-01-20
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. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX
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. (GA)

I have filed complaints and tried to resolve this with each credit bureau ( XXXX, Experian, and XXXX ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under XXXX XXXX Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and Lending Club and should be excluded from my credit report.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

on XX/XX/XXXX had credit limit of {$1700.00} and paid full amount and have {$0.00} balance and don't have XXXX Credit  card anymore. its paid and will like to remove please. reached out to company and still haven't removed from credit reporting agency 's. 

On XX/XX/XXXX had Credit limit of {$1700.00} on YNCB/Belk Credit  card. Balance paid in full and nothing owed. Don't have credit card anymore and will like to have removed from credit report, disputed charge and still haven't been removed from credit reporting agency 's. 

On XX/XX/XXXX opened credit card with XXXX XXXX/XXXX   XXXX  and account is closed and paid of {$81.00}. Will like to have removed from credit reporting agency 's. disputed to have removed off account and still showing on credit. 

On XX/XX/XXXX got an auto loan with XXXX XXXX XXXX XXXX. Made last Payment on XX/XX/XXXX and no longer owe on my car and will like to have removed from credit reporting agency 's. reached out to company and still haven't been removed
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: OneMain Finance Corporation (MS)

I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with XXXX XXXX XXXX and being that you ( ONEMAIN ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733.

( ONEMAIN ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( ONEMAIN ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( ONEMAIN ) for the account opened XX/XX/2021 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( ONEMAIN ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and XXXX. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo improperly denied the modification of my loan. I had met with a XXXX vice-president, Mr. XXXX XXXX XXXX, in person at two separate mortgage seminars and he assured me that the loan would be modified with no problem. The foreclosure process continued and attempts to contact XXXX XXXX were unsuccessful. My house was sold at a sheriff 's auction even though my real estate agent and my lawyer attempted to set up a short sale, which was also denied. My lawyer indicated that Wells Fargo was the most difficult company to deal with and were acting in bad faith denying the short sale. 
I lost my house at the sheriff 's sale and was forced to find somewhere to live. 

I read the findings of the CFPB in XXXX. 2022 and feel I was wronged by Wells Fargo and should be compensated for their improper actions. 

I have attempted to contact the last person I dealt with as well as XXXX XXXX and the email came back undeliverable. During my attempts to rectify the situation with my loan, every month a new person would be the contact person, so it is not surprising that they are no longer working there. 

I do not trust Wells Fargo to get in touch with me as my house was located in XXXX and I have since moved to XXXX But, my email and cell phone number have never changed. 

I can not afford an attorney to go after Wells Fargo and am hoping the CFPB can assist me in getting compensation for my loss. 

Thank you in advance for your consideration and look forward to hearing from you. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX former address was XXXX XXXX XXXX . 
XXXX, XXXX  XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

Back in XXXX we were contacted by XXXX XXXX XXXX  with hopes to lower out pmts and help us to catch up our loan with Wells Fargo. We were under the impression that this company was somehow connected to Wells Fargo, so when they told us to stop pmts in order for the process to work we did. We paid them over {$3000.00} to lower our pmts and get our loan up to date. We lost our home in XXXX of XXXX. XXXX XXXX XXXX has since gone out of business and has been sued & in court over things of this nature since then. We have not ever reviewed any reimbursement.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (IA)

I was victim of fruad went through the fruad department they cleared me of any involvement and reinsured me I wouldn't be liable for the charges to my credit card through Wells Fargo they set me up with new card XXXX account info but then at a later date and time the reinstall the same charges for the fraudulent activity which occurred on my account it's been damaging my XXXX XXXX it was significant amount like XXXX dollars on my credit card and as well. They denied me a refinance loan during the peak of the pandemic which ultimately resulted in the foreclosure and lose on my childhood home which I inherited from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time was in the low XXXX and the home had been completely paid out right for from my mother 's life insurance policy after her XXXX  well ultimately resulted in lXXXX XXXX XXXX XXXX  so I have been homeless ever sense XXXX  and the house foreclosures for the ridiculous amount of XXXX $ and they sold the home for XXXX $ and me and my family XXXX loved ones whom rightfully deserved that money and that property were left with absolutely nothing Wells Fargo is by far the absolute worst bank XXXX ever put my trust in or faith that they were a reputable company they ruined my life not to mention that life wasn't already hard enough for me growing up without my mother or parents at such a early age the struggle is beyond words could explain my life 's journey has been completely dismantling and seemingly a total lose I literally have nothing now thanks Wells Fargo
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (IL)

I opened my Checking account with Wells Fargo in 2012. I was told that Bank will authorize my checking account only if I open 2 additional bank accounts i.e. Money Market account ( Don't know till date what's the purpose of this account even today ) and Overdraft account to get one Checking account opened, as I did not have any bank in USA before. 
I was never given explanation about the accounts but these 2 additional accounts were forced on me. At the time I was new to USA and just migrated to US from XXXX. I didn't knew much about the Banking system and accounts in States at the time and my employer was asking me to get the checking account to send me salary. I was asked to sign the documents blindly and was told that I need to maintain minimum balance to all the unwanted accounts, which I never requested but forced.

Since then I am maintaining the accounts by cutting my spend somehow. Even thought of changing my bank account to some other bank, but the pain I got to open one bank account has taught me bitter lesson, which make me afraid to even try for another bank.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (UT)

I had a mobile check deposit that I put into my bank and I got in the mail through XXXX  and I guess it was a bad check I don't know I just got it from a company for a survey so I put it through and they this is through Citibank and they did not want they did not contact me email me tell me my account was getting closed or nothing until today and this happened on Sunday night which would be the XXXX of XX/XX/2023 and so they close my account and I asked him why and they said they couldn't tell me and they closed it for a check that I still pending I never touched the money nothing and I had funds in there from my direct deposit from my paychecks and now they're telling me I have to wait 60 days to get my money and it's it's creating 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 and it's my direct depart my checks were going in there and everything and they took my money and everything and they wouldn't they can't they won't give me a reason I've called numerous times yes I've gotten upset and I've also asked to talk to him of supervisor and they declined to let me talk to the supervisor even fraud prevention declined to talk to me to talk to the supervisor she told me they'd call me back and I never heard from him I want to file a good complaint I would really like to sue him so if I can let me know
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: Experian Information Solutions Inc. (MI)

To whom it may concern, XXXX XXXX XXXX is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( XXXX ) XXXX.
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: EQUIFAX, INC. (CA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-20
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.