davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AR)

I made a payment from XXXX Bank online bill pay to Wells Fargo Home Mortagage on XXXX/XXXX/XXXX. Wells Fargo returned the payment on or about XXXX/XXXX/XXXX without any notification or knowledge to me. They started reporting my mortgage as past due a rolling over 40 month past due because of this issue. In XXXX I tried to refinance and found issues with my credit report concerning Wells Fargo. At one point Wells Fargo admitted it was their mistake and an internal error where they had applied the payment to escrow however when audit of escrow showed an overage they returned the payment to my bank when in fact it was ALWAYS MEANT to have been applied to MORTGAGE. I have been working tirelessly trying to get this issue resolved and my credit corrected and all interest and penalties charged to me corrected and me made whole again. I have been requested to give Wells Fargo Information regarding the transaction of XXXX Bank concerning this payment. Please find attached information that I received from XXXX Bank. 
From : XXXX XXXX : Tuesday, XXXX XXXX, XXXX XXXX XXXXTo : XXXXSubject : Wells Fargo payment XXXX/XXXX/XXXX PAYMENT EXTRACT MERCHANT REPORT PAGE XXXX WELLS FARGO MERCHANT ID = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Retail Operations XXXX ( XXXX ) XXXX - Office ( XXXX ) XXXX - Cell
Consumer complaint received 2024-10-17
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. (SC)

I told XXXX, XXXX, and Equifax to reinvestigate these accounts below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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  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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Dear XXXX, I have been under review for a loan modification with Wells Fargo since XX/XX/XXXX and have sent in all requested documents. In XX/XX/XXXX I sent in by fax and mail ( what I always do ) what i thought was the last set of documents, received a letter stating they received them. A couple weeks later they sent another letter stating that documents are supposedly missing and asked if I 's still like to be under review. I asked them by phone and fax to let me know which documents were missing and they never did. I also stated that I would like to still be under review. Next thing I know they have assigned another person to my review and have started the process all over again disregarding all documents I sent in previously. They said my previous review has been kicked out of the system. I have copies of everything I sent in by fax and email and this does n't make any sense. I would like them to continue where we left off on the XXXX review and for them to let me know what was missing because they are not telling the truth. I am qualified for a loan modification or forbearance and for some reason they do n't want to approve XXXX and it has to do with an investor behind my subprime loan with a 10 year interest only ARM that a mortgage broker and Wells Fargo we trusted got us into. We had a large down payment and very high credit scores and there was no need for a subprime loan with an 10 year interest only ARM. My loan has not moved since XX/XX/XXXX. It has actually increased in amount and now due to the ARM and the payments increasing a year and half ago significantly, I owe about {$31000.00} more on the mortgage. I was not told the truth in the beginning and now they continue this way. Please help with the resolution of a loan modification or forbearance. Please. I paid my payments fine from XXXX with no problems. Then the mortgage went up almost {$700.00}. 
Thank you so much for whatever you can do to help me. 
XXXX XXXX ( XXXX ) XXXXXXXXLoan # XXXX
Consumer complaint received 2024-10-07
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2015-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc. (NJ)

On XXXX/XXXX/2015 I looked on my credit report and discovered there was A collection entry on my report that I was n't aware of nor did I know why it was there. The collection agency Eastern Account System reported to all 3 credit bureau that I have an unpaid bill balance to XXXX XXXX for the amount of {$1100.00}. Now The fair credit act states that I am supposed to be contacted by any one that collects a debt against me. I was not no notices no phone calls not even an email. Secondly, I have been a XXXX customer for 9 years or so and still to this very day. No deliquincies on my account nothing. Now how do I have another account with the same company open. Fraud this does not belong to me this should have never been reported and it should be removed right now!! People work had to mintain their lives every single and I do n't need his hindering me from my dreams. You have scarred my credit. My credit has taken a hit because of this and you need to rectify it right now
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Credit Inquirie : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-08-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

Paypal wo n't let me withdraw my money. The options they give me to " verify my account '' are all broken. I do n't see why they are able to accept my deposits, but then prevent me from withdrawing my money. 

I made withdrawals from my paypal account to my paypal prepaid card in {$300.00} batches since that was the most I could do per day. This option is clearly/encouraged by the paypal prepaid card as a valid way to fund my prepaid card, that is, direct transfer from my paypal account into my paypal prepaid account. 

All I want is to access my account to get access to my money. Paypal has been holding my {$500.00} hostage since XXXX/XXXX/15 and I am very upset about that.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2015-07-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ZWICKER & ASSOCIATES (TX)

On XXXX/XXXX/15 at XXXX CT, XXXX XXXX XXXX left a XXXX second voicemail on my cell phone claiming a past due debt. The transcript of the voicemail is a follows : '' This message is for XXXX XXXX. If you are not XXXX XXXX, please hang-up or disconnect. If you are XXXX XXXX, please continue to listen to this message. There will be a three second pause in this message. By continuing to listen to this message, you acknowledge that you are XXXX XXXX. XXXX XXXX you should not allow anyone else to listen to this message because it contains personal and private information for you only. There will be a three second pause in this message. This is XXXX XXXX, a non-attorney collector at the law firm XXXX, XXXX. XXXX XXXX, this is an attempt to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX extension XXXX. " The collector did not state a past due amount or creditor. I have no past due amounts and am not delinquent on any payments. I understand that XXXX are in direct and deliberate violation of Federal and state consumer protection laws for failure to acknowledge any legitimate dispute and furnish documentation of the debt allegedly owed. I understand XXXX are in direct violation of Federal and state laws for intentionally misrepresenting jurisdiction of collection laws, for the sole purpose of attempting to disarm me of my consumer rights under Texas law. 

I would appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.
Consumer complaint received 2015-10-22
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (GA)

{$300.00} cash load was made to my XXXX card on XXXX/XXXX/15 through XXXX. The money was never credited to my account even though money gram shows it as having been received. Rush card customer service is non-existent. I have called and been hung up on repeatedly. I have emailed, private messaged on XXXX and twitter ( per XXXX XXXX request ) and have not been contacted in response. I have copies of all the receipts and proof that the money was paid and should have been loaded to my card immediately, but no one will help me
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MA)

I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Servicing of my mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX XXXX, 2014. 
Since that time I have not received any monthly statements. I have had an attorney helping me submit information to obtain a loan modification under HAMP. While we do this, the foreclosure action on my house has been suspended. 
I recently wrote what I believe was a " Qualified Writen Request '' for information. They wrote back providing some answers, but not answers to all my inquiries. 
I have writen to them again, asking for clarification on the interest rate, as they sent me a letter showing it at 9.375 %, which is clearly higher than the XXXX rate plus the 6-month Libor rate, adjusted semi-annually, that the mortgage states as the interest rate. 
I am now asking you to help me obtain this information, as Nationstar has not provided what I need, and I am concerned about getting the information I need.
Consumer complaint received 2015-10-21
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NC)

Direct Deposit unavailable. Customer Service is also unavailable so I ca n't find out any information regarding funds or when they will be available. Several other customers are posting information about not receiving their funds as well since XXXX/XXXX/2015. Reading posts from other customers and XXXX information regarding this issue is the only way I have been able to access any information. The company itself is not through the XXXX number or e-mail either.
Consumer complaint received 2015-10-13
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MD)

RushCard had notify all customers that it will be an update on the system XX/XX/2015 from XXXX XXXX that it will be no use of your RushCard prepaid card. On Monday XX/XX/XXXX they sent another email stating that the process will be taking longer. Monday I was suppose to receive my employer direct deposit as of today XX/XX/2015 I still have no use of my card I have been calling every XXXX number that they have on filed I can not get through to any customer service representatives at all. I have bills to pay and this is my money that I worked hard for. I am a USA citizen that basically live paycheck to paycheck a household to feed. It has been brought to my attention that the RushCard owner has no worries of making his customers happy.
Consumer complaint received 2015-06-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (IN)

My mortgage is with XXXX i just got it XXXX months ago and they used an assumption to set my escrow based on what they thought my property taxes would be. Well they thought they would be {$1900.00} a year roughly and they are actually {$8.00} big difference. I have emailed and called XXXX times over the last XXXX months to get a refund for overpayment and get my escrow payment adjusted as i should not have to be overpaying it and them keeping my money. I keep getting told it will be handled and no one ever handles it. i call back and they submit a new request and still nothing. I am yet to get an email or a call back or a letter about adjusting my escrow payment and getting me a refund for the over payment I have made.
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am not at all satisfied with a response from the bank that says I can expect to hear from them in 60 additional days. They have violated every regulation that pertains to my situation. What the law requires of the bank is 10 days or to give a provisional credit, which they did, however 10 days after that they stole my direct deposit from my employer. Having my money and did n't make good on checks presented whist in possession of my money. The law is clear and I will attach the correspondence I 've had with the bank. How can you allow them XXXX days. Should I hire an attorney? My open case number is.XXXX
Consumer complaint received 2015-10-21
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to correct an issue on my credit report, regarding a foreclosure which was finalized in XXXX of XXXX. I had a XXXX and XXXX mortgage on a property located in XXXX, XXXX XXXX that was foreclosed upon. The XXXX mortgage holder, XXXX XXXX, is reporting on my credit report as " settled '' in XXXX of XXXX, but the XXXX mortgage holder, Bank of America, is still reporting the XXXX mortgage as an " unsettled '' account until XXXX of XXXX. 

History : In XXXX of XXXX, I contacted the Bank of America 's " Charge Off '' Department, requesting that credit reporting error be corrected. After six weeks of telephone calls and emails, they told me on XXXX XXXX, XXXX there was nothing they could do. 

Then XX/XX/XXXX, I began receiving harassing calls from XXXX, XXXX, XXXX XXXX XXXX, a law firm in XXXX, XXXX, informing me that they would be taking me to court to collect a {$45000.00} XXXX mortgage judgement against me on behalf of Bank of America. I informed them that this specific XXXX mortgage was settled in a foreclosure and therefore was exempt from collection. They stated that Bank of America considered this XXXX mortgage as a collectable debt. 

Finally, after months of harassing calls, mails and letters, I offered and Bank of America agreed to accept, a {$5000.00} payment to close this matter and on XXXX XXXX, XXXX, I paid this amount. 

I am presently attempting to apply for a new home loan and I am unable to do so because Bank of America is reporting this account as last active in XXXX XXXX, instead of 2 years and 9 months ago ( XXXX of XXXX ) when it was foreclosed upon. Repeated calls to various departments at Bank of America have resulted in no response to my request. My wife and I would appreciate any assistance you can provide us.
Consumer complaint received 2015-05-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

This company started calling me about 6 months ago and has progressed to the point where they now call me every day. They also call my parents home several times a week. They leave threatening and harassing messages claiming that there have been several cases of fraudulent activity attached to my social security number. They state that they will be filing XXXX charges in my county against me but that if I call them within 24 hours, that we can resolve the matter. 
I have called this company back at the number they leave on more than XXXX occasions and have spoken with individuals who claim they attorneys working for a bank. I discovered that they are trying to collect on a debt that I had more than 10 years ago with a bank who had issued me a credit card. I had filed a chapter XXXX bankruptcy in 2009 in which this debt was included. I have all of the paperwork from my attorneys and the Court which clearly show this debt and also show that the information was sent to the bank. I have told the individuals from this company that I had filed bankruptcy and this debt was included. I have given them my bankruptcy attorneys contact information and have told them that it is illegal to contact me about this " debt '' and that they were harassing me and attempting to defraud me by making and repeatedly leaving messages regarding false claims against me. I have told them this over XXXX times that I have spoken with them. Since then, I have over XXXX recordings of messages from them. They are calling me every single day, sometimes multiple times a day and they continue to harass my parents as well. I have n't lived with my parents in over 35 years and why they continue to call them can only be for nefarious purposes. My parents have spoken with individuals from this company and have told them that I dont live there and asked them to please stop calling and harassing them to no avail.