davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

For 51/2 years I have been embroiled with Wells Fargo Bank to keep my home. I resorted to hiring a law firm which turned out to be ineffective and questionable. The NPV which Wells Fargo completed was full of errors including the value of my home, I challenged the value with comps and a Realtor opp onion which was completely ignored by Wells Fargo. I was provided with mortgage assistance which exceeded my current mortgage payment, I paid it as long as I could all the while trying to receive a lower payment. Wells Fargo failed to disclose how they were not able to create a affordable payment. Wells Fargo also stated I reached the allowable amount of loan modifications? How? when the only mortgage assistance I received was hire than the current payment, it appears to me that Wells Fargo has been XXXX on taking my home through foreclosure. Prior to the foreclosure of my home I applied through the rentry department at Wells and complied with all of their request to save my home, however, no one at Wells Fargo responded to me and the foreclosure went ahead.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

I had a vehicle financed through Santander in XX/XX/XXXX. Santander charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid Santander {$5200.00} in the total loss settlement and Santander released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet Santander is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.
Consumer complaint received 2016-07-28
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

false statement and representation XXXX XXXX SENT A GENERIC LETTER, XXXX XXXX MAY NOT BE A HUMAN, NOT A LIVING PERSON, MAY NOT EXIST. HIS SIGNATURE WAS ROBO SIGN AND PLACED ON THE LETTER ANOTHER EVIDENCE OF FRAUD ON CAPITAL ONE, Na no evidence of XXXX '' '' deceptive debt collection lawsuits based on flimsy or nonexistent evidence. by capiatl one, NA illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. " '' see cfpb as CFPB Takes Action to Halt Illegal Debt Collection Practices By Lawsuit Mill and Debt Buyer,,, " were not verified and might not exist, '' did not respond to QWR and assignment fraud violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair and deceptive acts or practices in the consumer financial marketplace. 
Lawsuits against consumers without sufficient basis. 
Filed lawsuits based on unreliable or false information. 
challenged the validity or accuracy of the ASSIGNMENTS FRAUD. capital ONE, NA did not obtain or review qwr,, the fraud assignments information. FRAUD FALSE FACT IN court filings. AFFIDAVIT
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Federal Adjustment Bureau, Inc. (OH)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe FABCO. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ), 609 of the FDCPA. I respectfully requested that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I have already made several requests require to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. It has been past 30 days since my original request so this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The papers I revived did't show me anywhere the FABCO is a entity that is entitled to FORCE a claim against me based on OHIO XXXX XXXX Taking assignment of debts.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

Set forth below is a copy of an email that I sent today to Wells Fargo. The email speaks for itself. 
XXXX XXXX Private Mortgage Banker Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX : I just received a package of materials sent by XXXX by you, which is entitled " Private Mortgage Banking Full-service options for upscale home financing ''. 

The first sentence of the letter enclosed in the package states : " I appreciate you taking the time to discuss your home financing needs with me. '' Since I have NEVER spoken to you, nor even to my knowledge have you made any attempt to contact me until your XXXX package arrived, I can unequivocally state that, once again, Wells Fargo is knowingly misrepresenting facts. On the off chance that you have opened an account based on our fictitious conversation, please close it. 

A copy of this letter will be filed with the Bureau of Consumer Financial Protection. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

Amerisave said after I explained my situation that I would have no trouble getting a mortgage with them, all I needed to do was pay for an appraisal. I did and was denied the loan, even though the appraisal came in as it should have. Avoid Amerisave at all cost, they are very fraudulent ....
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXXand have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST GUARANTY MORTGAGE CORP (CA)

Refinanced my home loan with goodmortgage.com ( owned by XXXX ) and closed on XX/XX/2016. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX saying they are my new loan servicing company and to start paying them my first payment by XX/XX/2016. On XX/XX/XXXX I received a letter from XXXX XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XX/XX/XXXX. 

As of XX/XX/XXXX both my online accounts for XXXX XXXX and XXXX show I owe a payment on XX/XX/XXXX Since XX/XX/XXXX I have been communicating with goodmortgage.com and XXXX XXXX but no one can give me any kind of information or update as to when one of these accounts will actually close. Goodmortgage.com says I should send my first payment to XXXX and do n't know why XXXX still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly.
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RS Clark and Associates, Inc. (TX)

My ex-wife has custody of our children and is the responsible party for medical bills, after pay them she is to submit copies to me so that I can reimburse her. 

A debt collector is calling for a doctor demanding that I pay. For some reason my information was given and not my ex-wife 's. I have given the debt collector the information but instead of call the proper person they keep calling me. I have also suggested they send me a copy of the bill but since I do not live at the address they have of record they will not provide me with any papers and simply say 'it has already been sent to the correct address. ' Heck, the doctor provided a service and deserves payment but I can not pay without seeing what it is that I am paying. 

Since I am not the responsible party, ( they do n't even ask for me on the phone but rather the XXXX child - they did n't even have my name until I gave it ), all I ask is they stop calling me 3 times a day or send me a copy.
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (TX)

Since XXXX 2015, I have been working very hard to improve my credit reports and pay old debts to better my financial future. I was able to get all negative information off of my XXXX credit report until Debt Recovery Solutions reported a {$190.00} collection without my prior knowledge. This debt is 3 years old and has never been reported to any of the credit bureaus previously. I did not know I owed the debt until I saw this negative entry on my credit report. I was never notified of this collection account by mail or any other way nor was I given a chance to pay the debt in order to avoid the reporting of the collection account to XXXX. Had I been notified of the collection, I would have gladly paid it but was never given that opportunity. I also have not received anything from DRS since their reporting to XXXX.
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (ID)

In XX/XX/XXXX, I received an email invitation to apply for an AmEx Skymiles Gold Card with a bonus of XXXX Delta Skymiles after spending {$1000.00} in the 1st 3 months. The day I received my new Gold Card on XX/XX/XXXX, I received in the mail another offer for XXXX Skymiles from AmEx. I immediately called AmEx and asked if I could be eligible for the XXXX mile bonus instead of the XXXX mile bonus. According to the customer service representatives, they were going to open a case to investigate. 
I followed up with a live chat with AmEx on XX/XX/XXXX during which I was told the case was still open and they were trying to get me the XXXX mile bonus. 
I had my second live chat with AmEx on XX/XX/XXXX and was told by the representative that a detailed note was placed in my account and to check back in a few days. 
My last live chat with AmEx was on XX/XX/XXXX when I was told the two offers that were addressed and sent to me were not available to me because I had previously had an AmEx card. My previous card was cancelled in XXXX. When I asked why offers were sent to me that I could not get, I was told the offers are sent by the marketing department and have nothing to do with new or existing accounts. I immediately cancelled my card and requested to be removed from all future advertising and marketing, mail, email, or phone calls. 
On XX/XX/XXXX, I received a marketing mailer from AmEx, even after being assured that I would be removed from their marketing lists. 
Although I did finally find the small ( minuscule ) print indicating previous card holders could not receive the bonus in the offers I received, I still find it incredibly deceptive that 2 different offers for bonuses, personally addressed to me, were knowingly sent with the intent that I could not receive the " bonus '' that was being advertised. I also believe that AmEx wanted to keep stringing me along with the " open case '' story long enough to get me to pay the {$95.00} annual fee.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I called Penny Mac to make a payment and they informed me that my note had increased over {$500.00} and stated the reason as " city taxes increased ''. I contacted the XXXX County Appraisal District and discovered that the homestead exemption had not been applied. They applied it and notified Penny Mac. In addition, the tax office notified Penny Mac of the resolved issue and subsequent adjustment. Penny Mac has refused to adjust the amount of taxes. Penny Mac reps told me that they would not adjust the taxes because I am late with my payment. I questioned the reasoning to apply an additional {$500.00} in taxes that are not valid as a retaliation for late payment. I also was informed that if they did agree to adjust the amount at a later date after payments had been made that I would not see the return of that money until possibly the term of the loan.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have been asking for months for Amex to provide me with validation of a closed account they show on my credit report. They state that this account was opened on XXXX XXXX XXXX and was closed on XXXX XXXX XXXX with a XXXX balance.
Consumer complaint received 2016-11-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: ZIONS BANCORPORATION (GA)

On XX/XX/2016, I attempted to withdraw {$60.00} from a Zions Bank ATM machine located at XXXX XXXX XXXX XXXX, XXXX, UT. During the transaction, the machine malfunctioned and the door closed before I could extract my entire withdrawl. I was able to retrieve a torn {$20.00} bill ; however, {$40.00} went back into the machine and the door closed. I attempted a XXXX transaction immediately following the XXXX for {$20.00} to see if I could get the original {$40.00} to also release from the machine. It did not ; therefore, I was shorted {$40.00}. Later that day, I went into the Zions Bank branch and spoke with the manager. She advised that I would need to file a claim with my bank, XXXX, and ask them to open an investigation. She stated that they would ask Zions to provide an audit report that would show that the machine did not balance the day I attempted my transaction, and that they would be able to issue a refund. On XX/XX/XXXX, I filed the claim with XXXX. They issued a provisional credit and began the investigation. On XX/XX/XXXX I was notified that the ATM owner denied my claim, XXXX was reversing the charge, and the case was closed. I contacted XXXX 's claim department advising them that I was unwilling to accept the outcome, and they advised that I file a rebuttal. I submitted this form on XX/XX/2016. XXXX responded saying that, because I provided no new information pertaining to the case, they were not going to reopen the investigation. I asked them who provided the documentation used to deny the claim and specifically what information was provided. XXXX advised that Zions Bank provided a transaction report showing that the transaction took place. I asked if they also received an audit report, and they stated that the records did not indicate that Zions provided this. A transaction report should never have been accepted as reasonable documentation. I 'm not disputing that the transaction took place. I did attempt to withdraw {$60.00} from a Zions Bank ATM on XX/XX/2016. What I 'm disputing is that I did not receive all of my money from this transaction. Without an audit report that shows that this machine actually balanced on this date, Zions has failed to provide sufficient proof supporting their denial of our claim. Now I 'm short {$40.00} and neither XXXX nor Zions Bank seems to want to pursue the case to a reasonable conclusion.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (WY)

I was denied a consumer loan from my bank XXXX on XXXX XXXX 2017. 
Due to inaccurate credit scores provided to my bank XXXX by Experian. 
Page XXXX of XXXX sorry its upside down credit denial says my score is XXXX from experian. 
Page XXXX of XXXX My Experian credit score tracker I pay for through XXXX credit monitoring. 
Page XXXX of XXXX My Experian credit check & ID monitor XXXX bureau credit report on XXXX/XXXX/2017. 
You can clearly see the credit report I pay for is not the credit report my bank sees
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (CA)

Ditech has repeatedly called this number over more than 9 months, despite repeated requests to remove the number from their records. The number is a business line, and the person they are looking to speak with does not work at this company.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Adjusters, LLC (CA)

Account was sent to collections ( National Credit Adjusters ), account was sold to XXXX XXXX XXXX. Account was paid, neither NCA or XXXX will report information to credit repositories. Disputed account with supporting documentation ( receipt from XXXX ) and NCA still reporting account unpaid - been 60 plus days and disputed account and NCA does not own account - sold to XXXX and is paid. Serious Violations of FCRA. ( did not receive right-to-dispute from XXXX and NCA not deleting account on credit report and acting as unaffiliated third party.
Consumer complaint received 2016-06-28
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

I have a XXXX Mortgage with JP Morgan Chase and a XXXX Mortgage with XXXX XXXX XXXX. I refinanced the XXXX Mortgage with JP Morgan Chase with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with XXXX XXXX XXXX through the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). As I was starting to realize that I was in need of the XXXX Mortgage with XXXX XXXX XXXX Modified also, I received a XXXX loan through my XXXX Mortgage with JP Morgan Chase which changed the account number. I did not request this new loan. Chase just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with XXXX XXXX XXXX XXXX due to the now new mortgage was no longer the HAMP mortgage. I feel that chase hurt my situation of have the much needed XXXX mortgage modified. I have worked with Chase and XXXX XXXX XXXX since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by Chase and they are working hand and hand with XXXX to block me from having my XXXX mortgage with XXXX XXXX XXXX from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). I have been trying to resolve this refinance issue of the XXXX mortgage since XX/XX/XXXX. 

This Complaint should be forward to XXXX XXXX XXXX as while It is there XXXX mortgage that I needed to have refinanced on the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). It is them that are denying the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). See attached document for account information.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

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.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.