davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

I am writing to request your help. I tried to solve this matter with Grant & Weber in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me. As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : Grant and Weber XXXX. Opened date : XX/XX/XXXX. Limit : {$500.00}. Status : closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (UT)

On XX/XX/year> a purchase was made to XXXXXXXX XXXX XXXX XXXXXXXX for {$1000.00}. I noticed this on my next statement from XXXX XXXX in XXXX. I called several times and they asked my to verfy my account. They asked for my password and current address. I gave them what my password was at that time and my address which was and still is XXXX XXXX XXXX XXXX, UT XXXX. They kept telling me that I was incorrect ( rudely ) and they could not go further with the dispute. I logged into my account on my phone using facial recognition and noticed a bogus email address and residential address on my account. The address on file was XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX. I did not make this change and have never been to XXXX XXXX, CO. They credited the amount back temporarily until they claimed they did their own investigation and found the charge valid! I was told to file a police report which is attached to this dispute. More info on the attached report.
Consumer complaint received 2017-01-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (WI)

I 'm Writing to you again because I wrote to you about two months ago about SunTrust mortgage I complained about them not refinancing my XXXX mortgages I wanted them to combine my XXXX mortgages and lower my interest and they have not gotten back to me I have been with SunTrust for the past nine years and they have not yet tried to help me out on combine my XXXX mortgages or lowering my interest The lowest possible since I have XXXX mortgages they had told me after XXXX years of being with them I was going to be able to combine both of them together but till this day they have not.They refinanced my XXXX mortgages about a year and a half ago with not the best low interests one is over four and the other four percent interest if you combine them both together it 's over all almost nine percent in interest they told me I was going to be able to refinance after a year so I can lower interest and the last time I talk to them now they said I am not able to do you see they say one thing today and yet another thing the next I am so frustrated and depressed they say my house is not worth what I owe for the same reason I owe too much it 's because my interest is so skyhigh and I ca n't afford to make a bigger payment I can barely pay the minimum so with me just paying the minimum and with the sky high interest they are charging me I still owe the same amount as if when I first financed it they say they can not combine both of the mortgages together I do n't understand why if both mortgages that I 'm paying are going to the same company so there has to be something fishy going on which is them making more money off of me with me paying XXXX sky high interests and they do n't care we 're or how I struggle to get my mortgage money as log as they get their Payment 's there are times that I feel like not making the payments but then I do n't want them to take my home away from me and my family especially after all the money I have invested in for the pass nine years I have paid more then one hundred thousand dollars on it and yet I 'm not even half way on paying it if I 'm going to leave this earth and never had a chance to finish paying it off and they are going to end up with my home and my money and yet they get away with it this needs to stop in not letting them do what ever they want with people like me and my family
Consumer complaint received 2016-04-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (CA)

I started working with Finance of America on XXXX XXXX, 2016 after giving them my social security and all my doc and signing the Good Faith Disclosure I was told later that I needed to make more income on XXXX XXXX. I am retired I get XXXX a month after tax I only have a house note and XXXX credit card with a XXXX % debt ratio the requirement for FHA is XXXX %, On XXXX XXXX I spoke with the Loan originator and told him I would be going with another company and asked him to release my case number so I could get my loan done with the new company. The new company sent the information over to them requesting the release of the case number that I signed. This was after 4 day with no response from Finance of America. After 3 days the case number still had not be released I spoke back with the loan officer and sent him a copy of the form I had signed on XXXX XXXX still nothing was done. On the XXXX of XXXX I sent an email to the loan officer again This email is to inform you that I will be filling a complaint with the CFPB for your failure to comply with the Law on my right to cancel with your company and you to release my case number in a timely manner. I notified you by phone on XXXX XXXX 2016 that I was canceling and going with another company by XXXX XXXX the case number was still not released then you were sent an email letter dated XX/XX/2016 requesting that the case number be transferred to the new company and still nothing is done. You are in violation of my rights to go with a company of my choice.
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received a deposit of {$9000.00}, this deposit was from my dads XXXX retirement account. After beginning to transfer the money to my father, a series of charges started to appear and were appearing repeatedly, these transactions prefer a company called XXXX, I tried freezing my debit card, but the transactions were still able to get through and bill my account. These charges continued on from XX/XX/XXXX through XX/XX/XXXX. I filed a claim on XX/XX/XXXX with Chase. The lady insisted that we could not file a claim all the charges at this time due to the reason that they were still pending on the account and I had to wait until they posted. as I waited for them to post more charges were appearing and that you continued to appear finally I called the bank again and they closed my card altogether. Once again you issued me a new card and had me change my new login ID after doing so that seemed to have worked XXXX days go by in the first claim that I filed was denied. I filed a claim once again and even submitted a email that I had received from the company stating that I dont have an account with them and I did not make these transactions and that my identity couldve been compromise after submitting these documents they still continued to deny my claim after being told that my claim was denied once again. The man on the phone insisted that they were mailing the documents to me regarding the reason I never receive those documents so I called them again on XX/XX/XXXX still was told that there was nothing they can do in that my claim was denied and still would not tell me the reason. The claim that I filed whats for the total amount for {$2500.00}.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents. 
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor. 
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor?? 
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody. 
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

I requested a discharge due to my XXXX. I was informed of what papers i needed to send them from the SSA to receive a determination. I received the papers and emailed them in XX/XX/XXXX. I also mailed them. I received a email saying they received them. In XX/XX/XXXX i get a notice that they needed the papers from SSA. I called and the customer service agent was very rude. Saying i had to send in the papers, would not let me explain that i sent them. So i emailed them again. I received a notice that they received them. I also sent copies by mail and sent them by certified mail. I have the receipt signed. Today i get a notice saying my request was denied bcz they never received the papers. What do i do?
Consumer complaint received 2016-05-13
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (SC)

My mom took out a reverse mortgage with Financial Freedom. She will lose her house in court due to foreclosure. Financial Freedom gave her a {$220000.00} mortgage in XX/XX/XXXX for a house that was appraised at {$130000.00} in XX/XX/XXXX. Financial Freedom also used houses that are not comparables. They are in a more prestigious neighborhood. 
It also appears they charged her fees that are not consistent with those on your site including surveying her property which was not surveryed when she bought it 2 year earlier. It appears they also charged her fees in excess of the.XXXX % loan orginiation. 
Everything they have done is horrible. How can they possible steal money
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION (FL)

To Whom it May concern, XX/XX/2016 I applied for a Mortgage Loan with Regions Bank. I was pre-approved and permitted to house hunt. I was pre-approved after submitting all the usual documentations : bank statements, tax returns, pay stubs and so forth. A month later I found a property and submitted further documentations since it was a condo. I then received a commitment letter from my Bank. I was then set to close XX/XX/2016. 

On XX/XX/2016, thinking I will be closing, my bank finally contacts me stating they need bank statements since they never received them. This makes me question the following : How did I get pre-approved without that, is n't that bad Financial practice? Did they lose my documentations which has severe personal information, is n't this also bad financial practice? With this said I then had to drive 1.5 hours to XXXX XXXX, XXXX to hand deliver this bank statement instead of email or fax because I no longer have trust in Regions bank and its team. 

My closing date was then pushed back to XX/XX/XXXX. Due to other issues of documentations it was then pushed back again to XX/XX/XXXX. Now, the bank wants further documentation and letter of explanation which was never expressed before my initial closing date. I am two weeks behind closing and losing significant money due to this delay. 

This process, with this Regions team, is incredibly unprofessional and all aspects. Workers involved in my loan are uninformed and do not know when to admit they are at fault or even how to communicate thoroughly with their client ; me. On top of that I now fear my personal information is being exposed and that Regions Banks practices bad financial services that is detrimental to its potential clients like myself. 

Throughout this process I have had the most horrific experience working with XXXX XXXX whom is the Senior Mortgage Loan Officer who has '30 years of mortgage experience '. Completely unprofessional, never informed of the status of my loan application, and has delayed the process by losing or falsely claiming to receive documentations. All while approving and continuing the loan application. This entire process, delays, lost files, starting the loan process after closing date, approving loans without documentations is horrible and the worst financial practice at its best. I have emails stating when documentations were submitted, and when they were received since I was given approvals and commitments. Yet, I am still being asked for documentations that were previously submitted months ago.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also according to 15 USC 1681s-2, they are not supposed to 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.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (MN)

I looked into the terms of a loan which was offered through my American Express card. 
The loan was through " XXXX ''. I did not agree to the loan as the interest rate was not low enough. I declined the loan by stating " no thanks '' on the signature line. The money was transferred into my bank account even though I declined the loan. I called them and they would not assist me in reversing this. They only told me to pay the money back and gave me an address. I feel they should have been responsible to fix this. I do n't think they should be allowed to do this.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (DE)

The situation involves a notice from American Express dated XX/XX/year>, regarding a XXXX XXXX XXXX XXXX  account ending in XXXX. The letter informs that following a recent review, American Express has assigned a {$3000.00} Preset Spending Limit to the account. The reason given for this decision was that the average of recent payments, in relation to the balance on one or more American Express accounts, was considered too low. 

As a consequence of this change, if the outstanding balance plus any unposted charges exceeds {$3000.00}, further charges may be declined. This new spending limit affects all cardholders on the account. American Express may approve charges exceeding the limit at its discretion, but those charges will still need to be paid. 

The notice provides options to contact American Express for more information or request a review of the decision, which must be done by XX/XX/year>.
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MD)

Experian has false information in the address. Likewise, they have subsequent agencies who have asked for my credit record to which they are giving false information, and put agencies to which they say I applied. I have not. I have tried to let them know this on line and by phone. Their website recording these inaccuracies would not submit the corrected information. Likewise, when you call their phone number. It does n't work. It says they are having connection difficulties. 

They, not the other two credit monitoring agencies, have false information in my credit report that they have posted, and wo n't correct the information. I have tried to dispute this on line but the website will not let me. Furthermore, I have tried calling to dispute and keep getting the message that your phone lines are down. Furthermore, my middle name needs to be requested. Furthermore, I am not nor have I ever applied for new credit cards or opened new bank accounts in the past three years. I refinanced mortgage XX/XX/XXXX and have a new car loan as of XX/XX/XXXX. I have only lived at one address since XXXX. Any other addresses and credit inquires are wrong. I only have a usaa credit card and do not need nor have I applied for others. Please consider all other credit applications as attempts at fraud.
Consumer complaint received 2017-07-14
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. (NC)

I called XXXX 2017 to voice concerns to XXXX XXXX XXXX XXXX that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.
Consumer complaint received 2019-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (MN)

I had registered a complaint with Wells Fargo before ( XXXX ) regarding a closed credit card. In that case, I didnt receive information because Wells Fargo could not updated my contact details. At the closure of this case, Wells Fargo has stated they had updated my contact information to my current XXXX address and XXXX phone number. I have only an international number and no US cell phone number. 

Saturday ( XXXX ) I tried to make an internal bank transfer from my account to a friends Wells Fargo account. The internal bank transfer is known as XXXX. I did this using Wells Fargos mobile app in a logged in environment. The payment was blocked and the mobile app prompted me to call customer support to identify myself. 

I called the number and through Wells Fargos IVR, I provided my card number and gave my last 4 digits of my social security number. Once I was verified, I spoke with a representative that said I needed to receive an SMS for their internal 2-factor verification process in order to send my money to another Wells Fargo account. 

I told them I havent received an SMS and it was because they had a U.S. phone number registered on my account. Ultimately they failed to update my contact information from the previous CFPB case and have sent the code to a random number that was not me. I escalated and the next individual also said they they would not be able to help me move my money without a verification. I asked him to escalate it again but he told me to call back in 2 hours. I told him I would contact CFPB instead and I gave him the email address and he verified that it was the same email address on file. 

So through this process I was verified 4 times using 3 different sources ( email on file, card number and name on card & last 4 digital of SSN ). However, they said that I was not verified, but still discussed account details on my account. They allow refused to allow me to conduct an internal bank transfer with my money.