davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

I would like to issue a complaint that Wells Fargo violated several acts of Mortgage Fraud and Predatory Lending. Should I seek legal counseling, he/she will contact the appropriate parties. 

The term " mortgage fraud '' is typically used to describe fraudulent practices by borrowers in order to secure loans they can not afford to repay or to secure loans that exceed the value of the home or homes in question. Because they do not involve defrauding the government, these cases have nothing to do with the False Claims Act. However, fraudulent lending in cases where mortgages are guaranteed or insured by the government does constitute a violation of the False Claims Act. 

Since the financial crisis of 2008, the Federal Housing Administration ( FHA ) and the Department of Housing and Urban Development ( HUD ) have become major players in the housing market. In fact, more than 40 % of new mortgages today are backed by the FHA through loan guarantees and mortgage insurance. Lenders may also obtain mortgage insurance from the FHA to hedge against mortgage defaults. 

If a lender knows that it can purchase mortgage insurance on a particular loan, it may be more inclined to lend money to an unqualified borrower. Taking out FHA mortgage insurance on a loan that the lender knows to be fraudulently obtained or likely to default may be a violation of the False Claims Act because it involves claiming federal funds based on fraudulent activity. Any other type of fraud or falsification related to obtaining or making a claim against FHA, mortgage insurance may also violate the False Claims Act. 

Reporting mortgage fraud against FHA or HUD is a public service because it helps the government recover funds needed to help Americans legitimately secure affordable housing. That public service is rewarded under the False Claims Act, which allows whistleblowers in successful cases to receive a substantial percentage of the money recovered as a whistleblower reward.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2016-11-02
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I was recently made aware that my name and financial information appears in a WELLS FARGO Loan Modification of a property I had, about 10 years ago, signed off to my ex partner and our children. I was under the impression I had no legal matters in this property since I had signed the Quit Claim Deed and financial responsibility papers, but apparently my ex processed the papers to take me out of the title, but not out of the loan. She then found herself having to apply for a loan modification, and the bank allowed her to process it without my knowledge even though apparently my name is still on it. I appear as the principal borrower, since my ex does not have an income, but nevertheless I was never contacted, I never signed any papers and never provided any income verification or any information whatsoever. I have tried many times to get an answer from WELLS FARGO by phone and also by walking into one of one of their branches, but all I get is a lot of unacceptable excuses. By phone I am told that since I do not appear on the title, I did not have to sign the loan. I have requested the Loan Modification papers that were signed, and all I get in the mail are papers unrelated to my request. When I walked into the branch, the person that was helping me with my questions quickly called the manager, just to hear from her that they could not help me there. I asked to be given the address of the office I need to go to, and her response was that there was not such a place, that the modifications were done by phone and that there was no physical place I could go to. She then proceeded to asked me to leave because she had others to attend to. I was even escorted out.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo special interest free credit cards. XXXX problems with paying the card. 
1. When doing a monthly payment, one can not put in cents. This is a problem due to not being able to take the payment and dividing it by XXXX. One needs to calculate the first payment to include the cents of future payments because there web site can not handle cents on monthly payments. 

2. This is the most egregious. When setting up a monthly payment one can not set an end date. Thus, a year from setting this up, one needs to remember to cancel the monthly payment, else they will continue to take withdrawals. You then need to request that they refund your overpayment. 

3. Their web site is unaware of payments and will not allow monthly payments until current payments are processed. It took three days for me. This was annoying because I needed to continue coming back to the site so I could do monthly payment. 

4. Although the contact people were pleasant, they were hampered by the web site being poorly set up with restrictions that there was no solution to.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: INTEGRAL RECOVERIES, INC. (CO)

I had a {$30.00} dollar failure to appear bench warrant issued in XXXX. I did not pay the fee, it was sent to Integral Recoveries. It is currently {$45.00}. This XXXX particular fee is stopping me from obtaining my driver 's license. I called the agency and tried numerous times to pay these fees. Each time that I call I am told that I owe fees from a XXXX case. I was told that I can not pay the {$45.00} fee until I set up a payment arrangement for the XXXX case. The fees associated with the XXXX case are approximately {$2000.00}. I have been fighting this company ( same person every time I call ), for months now. I ca n't find any serious job prospect 's without my license. Please help! Thank you for your time!
Consumer complaint received 2016-07-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has repeatedly charged me overdraft fees of {$35.00} on charges instead of declining them. When I inquired about the charges, the representative told me that I had signed up for overdraft protection. The only overdraft protection I ever signed up for was when I had my checking and savings accounts linked, and if my checking was short then they 'd transfer it from my savings. I did not sign up to be charged this amount for not having enough funds for as little as a {$5.00} charge. 

They are also not allowing charges to post when they are incurred. For example, I had a charge for my child 's tuition and XXXX bill come through on my account, and saw them posted. The next day the charges were gone and the money was back in my account. Then a couple of days later, the charges were there again. This type of back and forth can make someone think there is more money in their account than there actually is. I recently had a charge on XXXX/XXXX/16 and it did n't come through to my account until XXXX/XXXX/16. By that time, my account was overdrawn and that {$20.00} charge ballooned into {$55.00} ( with their {$35.00} fee added ). This has happened to other people that I have spoken to also that have accounts at Wells Fargo.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion is reporting a Paid, Federal Tax Lien that has been withdrawn by the IRS on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice. Most recently I received a letter from TransUnion dated XX/XX/2016, and the tax lien remains on my credit report. 
It is my understanding under the XXXX the IRS will allow Withdrawn Tax Liens to be removed from credit files, which is what I have been requesting TransUnion to do to no avail. XXXX and XXXX have both removed the tax lien, I see no reason why TransUnion will not.
Consumer complaint received 2017-01-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been living in XXXX for 6 years someone stole my identity from my home st XX/XX/XXXX but capital one will do nothing to take care of this again I have been living in XXXX since XX/XX/XXXX
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MA)

Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The agency will not remove multiple collection accounts from a single medical facility. I do not have multiple accounts with the creditor, but the collection agent is reporting multiple statement items as separate accounts. It is a single hospital they claim I owe money to, on multiple accounts, yet I am the only person who has received treatment so I can not be listed multiple times to unfairly prejudice my credit report.
Consumer complaint received 2016-08-04
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A. (FL)

I received a call from XXXX XXXX XXXX or as they call themselves XXXX. I was told that I have to pay my Citibank Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called one of their offices, and spoke to a XXXX XXXX who claimed to be the COO. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX year old daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2016 I received the results of my investigation. XXXX is updating invofation that does not belong to me consistently on my credit report. I notified them that I wam the victim of ID theft, and they have not provided me the results of how they verified my information. The other bureaus, XXXX and XXXX are reporting my information correctly and XXXX is choosing not to.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello, I have submitted letters as well as online disputes with documentation to all three credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX
Consumer complaint received 2017-01-23
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (NY)

I was supposed to receive concert tickets after sending " XXXX XXXX '' {$150.00} through Google Wallet. The concert was on XX/XX/2017 and I never received the tickets. Since then he has blocked me on twitter after he stopped responding to my messages. Therefore, I ca n't see the direct messages between us anymore. At first he sent me a broken link that said XXXX which was weird because he told me the tickets were on XXXX. The link that I opened was broken. He told me that I could pick the tickets up at the venue which was a lie because I 'd need his ID and credit card information to pick it up. When I asked him he blocked me. This girl that was also scammed by the same exact guy received her money back that same exact day. I 've taken the same steps that she has and I still have n't received my money. Also a representative named XXXX, from Google 's support team, was the one that told me that XXXX was a scammer. He told me that his account is know for fraudulent transactions. Since that is the case, my money should have never went through to his account. Google wallet comes with 100 % fraud monitoring supposedly. This is why I do n't understand why is it that the first person I spoke to on the phone from Google payments ( XXXX ) told me immediately when he saw who I sent my money to that he is known for fraudulent transactions and scamming people out of their money. I want to know why his account is still open and more importantly why any money that is being sent to him goes through if it is on Google 's database that he is a scammer. I was not protected in the slightest and I want my money back from HIM. Not from my bank which is n't being helpful at all but from him especially since you know he is a scammer and let my money go through to his account regardless. My bank ( XXXX ) told me that I have to file a police report and even then there is not a good chance that I 'll get reimbursed. I just really need my money back and no one wants to help me. Thanks.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX XXXX : Paid, Closed. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Allied Collection Services, Inc. (Nevada) (CA)

I stayed at the XXXX XXXX XXXX from XX/XX/2016 ro XX/XX/2016. The front desk had some issues charging my credit card for some reason but they did not contact me to advise me of such issues. On XXXX/XXXX/2016 I received a notification from my credit monitoring application stating there was an open collection filed with Allied Collection Service. I called XXXX to ask why they did not contact me if they had issues with payment prior to sending a bill to collections and I was told by XXXX XXXX from Business Corporate Office that they are not obligated to inform their guests of such issues. I believe the XXXX violated FCRA and Unfair Collection Practices Act. I also believe they violated Regulation Z, the truth and lending act. Upon contacting Allied Collections I was told they sent a letter of validation however I never received this letter nor did I receive any other kind of attempt to contact me. I can not pay a balance or bill if i do not know it exists.My credit score has now suffered due to the inability of XXXX XXXX XXXX to notify me of the issues they had.
Consumer complaint received 2017-01-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (NY)

After speaking with multiple people, through multiple phone calls ( at least 12 with several calls lasting an hour ), and given multiple stories/excuses this issue has not been resolved and is preventing us from selling our house in XXXX, NY. The address given above for Key Bank is based on a letter sent to us stating the loan was paid in full on XXXX/XXXX/XXXX which is inaccurate and the letter was signed by no one, simply ending with " Sincerely '' - no signature. At one point we were told the issue would take 5 days and would be resolved on Monday, XXXX XXXX. When that did not happen, we were then told to fax a signature allowing them to release the information. Our lawyer drafted a letter requesting the Satisfaction of Mortgage be filed and I ( XXXX XXXX ) signed it and it was faxed to the fax number ( XXXX XXXX ) given to us. In calling to confirm the fax was received and this issue could now be resolved could talk to no one who knew anything about the fax but was told the matter would be resolved in 15 days from XXXX XXXX making it now XXXX XXXX to close this matter. On our lawyers advise, we requested a letter stating that fact and also a copy of the Satisfaction of Mortgage. After two, hour long calls on Friday, XXXX XXXX, we are now told by a person named XXXX that he is entitled to 48 - 72 hours to research this matter. NONE OF THE OPTIONS BELOW APPLY. OUR LOAN TAKEN OUT IN XXXX WAS PAID IN FULL BY XXXX BUT BANK DID NOT FILE SATISFACTION OF MORTGAGE RESULTING IN OUR INABILITY TO SELL THAT HOME.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a collection account called " the bureaus '' on my transunion credit file. The bureaus is the owner of a charged off XXXX XXXX retail XXXX XXXX store card. I defaulted on this card XX/XX/XXXX. There is no useful data in the credit file on my transunion credit report that shows me the date of first late payment, the date it was charged off, the amount of time/months the account went without payments. It only shows me the date that the collection account was open with the bureaus in XX/XX/XXXX. The bureaus phone number is not on the credit file as well. If the information for charge off date or dates of non payments are not shown how can i dispute items that are 7 years old and ready to be removed from my transunion credit file? I feel they purposely hide this information so the consumer can not be aware. In order for me to be an educated consumer and exercise my rights I need all information provided to me and not just partial information. There is very little details about " the bureaus '' collection account on my paid service to transunion credit report and I feel all information about this collection account should be revealed to me on my transunion credit report without me contacting the collection company for this basic information about my date of first late payment, the date it was charged off, the amount of time/months the account went without payments.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My TransUnion credit report dated XXXX/XXXX/2016 reflects XXXX hard inquiries for credit facilities for which I DID NOT apply : XXXX XXXX on XXXX/XXXX/16 and XXXX XXXX on XXXX/XXXX/16. I suspect identiy theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.