davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Prior to buying my house on XXXX, XXXX, 2013, my rate was locked in at 3.80 % with Wells Fargo. I bought a XXXX XXXX XXXX XXXX home, and only needed to put 3 % down. With all said and done, I ended up walking away with {$890.00} at closing for credits and other items. 

As my closing date got closer the mortgage agent kept increasing the rate because of numerous reserve requirements and fees. One increase for .125 % was for a reserve requirement that was supposedly short by {$110.00} that they would cover and increase my mortgage rate. I asked if I could go cash my change in at the bank and deposit it to cover it, and he said no as he needed a monthly statement showing the amount and would not have time for next months statement before closing. Incidentally, .125 % at the original {$160000.00} mortgage for just one year is {$200.00} in interest. There were a few other reasons, but at the moment do not remember all of them. Nonetheless, I felt pressured into saying yes to the increases or I would not get the loan. At closing the interest rate was now 4.25 % with all the extras he " had '' to add on.

Then, when closing day came around, the agent and the underwriter were both hard to get a hold of, and we had to push closing back two different times. Finally, on the 3rd try, we signed and reviewed the papers in 30 minutes, as Wells Fargo notified us at XXXX that the papers were finally ready, which left little time to get the lawyer and title company sufficiently ready. It gave me little time to double check my mortgage or even question anything. As a first time home buyer, I felt as if I was taken advantage of. 
With all said and done, I ended up walking away with {$890.00} at closing for credits and so forth, which made the interest rate increase seem even more suspicious. The whole process seemed somewhat abnormal, and feels like it was predatory lending now.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (WA)

I have placed a credit alert on my credit profile with all three credit reporting agencies when I was a victim of ID these with the XXXX I recently applied for credit with XXXX and XXXX to get new service, and I was denied credit and was required to give a deposit. I have a credit score on average XXXX out of XXXX, I recently applied for credit with XXXX a month ago and I was approved with a credit limit of {$22000.00}. The issue I am coming across with XXXX, XXXX and Equaifax, that my security alert on my file is automatically denying me credit. I called Equaifax and now they can not find my credit report and It is really annoying that I have to deal with this.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I sent a letter to XXXX XXXX to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from XXXX XXXX nor have they marked any of my reports disputed within the time frame per the fcra
Consumer complaint received 2017-10-30
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. (PA)

On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Sevice to Equifax, disputing inaccurate reporting of bankruptcy on my credit report. 
The letter was signed for by a representative of their company on XX/XX/XXXX. 
( See attached letter ) On XX/XX/XXXX and again on XX/XX/XXXX,  Equifax responded to my complaint and stated that the information was " verified. '' On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service, to Equifax requesting that the description of the procedure used to verify the accuracy and completeness of the information was hereby requested. Signed by a representative of their company on XX/XX/XXXX. 
( See attached letter ). 
On XX/XX/XXXX Equifax, once again sent the the identical letter as " verified, '' with no explanation of the verification procedures. Only stating that public record information is obtained through a third party vendor, XXXX XXXX. 
On XX/XX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of bankruptcy on my credit report. 
( See attached letter ). 
On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service to Equifax once again, explaining to them that the Bankruptcy Court does not report to credit agencies, nor have a relationship with them. I included a letter, obtained by The Federal Bankruptcy Court. This was signed by a representative of their company on XX/XX/XXXX. 
As Equifax continues to report on my credit report, Chapter XXXX Bankruptcy, reported by XXXX Federal Bankruptcy XXXX-XXXX, XXXX XXXX XXXX XXXX, PA. 
( See attached letter ). 
On XX/XX/XXXX I personally called Equifax, and spoke with a representative, and told her about the numerous attempts that I have made to have this erroneous information removed were futile. She stated that I should submit an online dispute, which I did on XX/XX/XXXX. I again, included the letter from The Federal Bankruptcy Court, stating that they do not have a relationship, nor report to credit agencies. As the information listed on my credit report is listed as being reported by XXXX Federal Bankruptcy Court, XXXX, PA. 
On XX/XX/XXXX, Equifax once again " verified '' the information. 
On XX/XX/XXXX XXXX XXXX responded to my initial letter on XX/XX/XXXX, and deleted information in their bankruptcy records based on my dispute related to case number XXXX. 
( See attached letter ). 
I am filing my complaint today in order to have Equifax remove this inaccuracy from my credit report.
Consumer complaint received 2017-11-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MI)

I turned in a XXXX XXXX lease seven months early. I had received several different invoices for early termination liability. The first for {$40000.00}, second for {$5000.00} and last for {$4500.00}. I had a lawyer sent a letter asking Chrysler capital to explain a few issues with billing and missing pages from an invoice. I also asked for them to reduce the bill because I feel they age charging me excessively. I called on XX/XX/XXXX and they stated they never received the letter. I faxed them a copy and called back on XX/XX/XXXX. I was told they could not talk with me because a lawyer represented me. I stated I was not being represent by a lawyer that I just had the lawyer write me a letter. After operator spoke with the supervisor she said she could speak with me. I again stated my issue with the amount being billed. XXXX said it looked like I only owed {$900.00}. I said that was good and if they sent the bill I would settle the debt. Again she went to talk with her supervisor. She came back and said that a final bill should come in three to  five days. I asked how much will it be and she said she could not give the correct info because there were charges in different areas that would need to be collected. On XX/XX/XXXX I received a letter stating my request for cease and desist was processed and my account was put into hold. I called to find out what this meant and was told that they could not talk about the account because a lawyer represented me. Again I stated a lawyer did not represent me. I had my lawyer call on XX/XX/XXXX to clarify with Chrysler capital that a lawyer was not representing me. The operator on the phone stated that she could not hear the lawyer on the phone and that there was a bad connection. The call eventually dropped. I was on the call and on my end everything the lawyer said was clear. The lawyer suggested I file a complaint with CFPB.
Consumer complaint received 2017-11-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for XXXX paymwnts of XXXX each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX  and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I had paid my credit card off using my checking account. The checking did not have enough funds, and I did n't bother with transfering the money from savings to cover it because I was going to rely on " overdraft protection. '' I was then charged a fee of XXXX for that which I have never been charged for before. I called and complained about that, and all they said was " this was in the paperwork. ''
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I sent a certified debt collection letter to Portfolio Recovery on X/XX/2017. Information was sent, but all they really sent was a copy of some bills from two companies. I sent copies of this information to the credit bureau and asked them to dispute and it came back verified without stating how the information was verified or what additional documentation was received. I have enclosed the copy of the Certified Mail receipt, debt validation letter, the letter and statements that they sent, as well as a copy of the information that I received from XXXX and XXXX. XXXX did not send dispute results and it is still reporting on my report so I can only assume they verified the debt as well.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Re : Request for Blocking and Deletion of Fraudulent Account and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
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 XXXXXX/XX/XXXX
Consumer complaint received 2017-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (AZ)

I experienced a permanant separation from my spouse of XXXX years. I 've explained this to Ally Financial as I struggled to catch up on payments over the past XXXX  months. Their reasoning for not being able to offer XXXX type of assistance is due to the age of the loan. It 's only XXXX months old. I 've explained to them that since the separation, which was completely unforeseen, my expenses have understandably doubled since I 'm responsible paying all bills myself. I definitely do not want to lose my vehicle, but I 'm met with constant threats and intimidation tactics from Ally representations. They continually ask me for the reasons I 'm running behind on payments, do they not understand that people experiencing a separation after that amount of time might have difficulty getting thing back on track. I 'm am continuosly given incorrect or misleading information regarding their collections process, some reps say my vehicle will be XXXX XXXX immediately, others give differing variations of the process that are inconsistent and could harm consumers.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

This complaint is in reference to complaint XXXX also AMEX reference Ref : XXXX in the final response, AMEX states that I have received the total XXXX  MR points. which was incorrect. 

AMEX issued me XXXX bonus points, then another XXXX. But the XXXX points was taken back. I have attached the pdf for reference. 

In addition, when I contacted AMEX, they explicitly told me that I could retroactively submit the mailer to have my original 100k offer applied ( another lie ). 

This is my final attempt with CFPB and if this is not resolved in my favor, i will be continue escalating this via other channels including but not limited to my local small claims court.Note, It literally takes 5 minute to look over my MR points history to know that the XXXX points was taken back.
Consumer complaint received 2017-10-06
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: Santander Consumer USA Holdings Inc. (NE)

On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.
Consumer complaint received 2017-10-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Pacific Union Financial, LLC (PA)

Around XXXX XXXX I requested a payoff figure from my mortgage company, Pacific Union Financial. I received a payoff statement dated XXXX XXXX, XXXX with a total amount to pay the loan in full of {$150000.00}. Ive been paying the same monthly mortgage payment since then. When we accepted an offer for this house in XXXX XXXX, it was based on the fact that the payoff should have been somewhat lower than the XXXX XXXX, XXXX payoff figure. We negotiated the sale of this house using the {$150000.00} as the maximum wed need to clear in order to pay off Pacific Union. 

I requested an updated payoff figure from Pacific Union to get a better estimate on what to expect financially at closing on XXXX XXXX, XXXX. To my surprise, I received a payoff statement dated XXXX XXXX, XXXX for {$150000.00}. This is {$4600.00} more than the XXXX XXXX, XXXX payoff figure. This is a problem as we 've broken ground on another home. The additional {$4600.00} Pacific is now expecting in payoff contradicts what they sent me in XXXX XXXX. 

Pacific Union has admitted that they made a mistake with the XXXX XXXX payoff statement. However, theyre expecting that were to pay for their error at our XXXX XXXX closing. 

I expected that the official statement Pacific Union sent me in XXXX was accurate. I used payoff figure to negotiate the sale of this house. The payoff should not have increased. 

I brought this discrepancy to their attention through their online messaging system and faxed them all the documentation they requested. They are now telling me I need to address this issue through their dispute department further delaying the settling of this issue. Time is of the essence as it 's now XXXX XXXX. This unresolved issue it too close to the closing date of the sale of this house. Since they were faxed all of the documents, at their request, they should have forwarded my complaint to their dispute department. 

Pacific Unions mistake could ripple effect into us not being able to honor our sales contract on this home ; which will cause the people ( also vets ) that purchased this home to not have anywhere to live. Their error will then release us from the contract on our new home ; and, none of the real estate agents involved will receive their commission. Their error is far reaching. 

I 'm attaching the two official payoff documents received from Pacific Union along with the envelopes they came in and the fax to them. I 'm also attaching the email traffic I 've had with Pacific Union in their online system.