davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

I have 13 accounts with Wells Fargo internal emailed me on XX/XX/ that they were closing my accounts. If they have that right then that's fine but I want my funds, credits and or money released to me immediately. and I want all the interest that has incurred since I was not able to pay bills or purchases any goods or services. to which I have incurred late fees to which I will need to be compensated for. I was also explained by a branch manager that there was a returned wire of {$570000.00} that was being returned to my account. and I still have not received any documents to show well Fargo has registered in receiving it because my accounts are closed ( account ending in XXXX ). XXXX XXXX was the returning bank for the wire.
Consumer complaint received 2023-12-01
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. (GA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, DEPTEDXXXX : # XXXX, DEPTEDXXXX : # XXXX. 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.

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 2023-12-02
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. (IN)

I have previously disputed ( XXXX XXXXXXXX Bankruptcy XXXX ) With you. And in response, you verified the item as accurate, stating that you have verified this information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately Please reinvestigate and notify me by mail with your reposes.
Consumer complaint received 2023-12-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

This company is trying to collect a debt that was already paid before going into collections. This was paid on XX/XX/XXXX. This company is claiming they received this debt collection sometime after XX/XX/XXXX. I was never sent a debt validation notice, yet any notice at all. This was then reported to credit bureau in XX/XX/XXXX. After seeing this collection on my report I filed a complaint on XXXX website. I was then finally sent debt validation but nowhere in this letter stated my right to dispute this debt as a consumer. 
This company has committed several violations. 
I have provided so many documents showing proof of everything and this company yet somehow believes I still owe them money even after verifying with the original company that I do not owe them. 
Attached is : - receipt of payment made on XX/XX/XXXX - bank statement showing deduction from my account. 
- move out statement - refund check paid to me from original company from what was left of my move in deposit. 
- XXXX validation notice screenshot of intire email with no right to dispute disclosure. 
- XXXX complaint of all my documents sent to genesis and asking for proof of debt validation that they are claiming they sent in XXXX. 


I hope that someone can actually help me and take the time to actually look at these attachments. Ive sent them to XXXX + credit reporting agency + XXXX and feel as though my disputes are just being ignored. Im hoping to resolve this issue before I will need to take legal action against this company. Thank you.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I sent a certified letter on XXXX to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX Account XXXX : XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX has dated opened as XXXX and XXXX XXXX Experian have it as XXXX - INCONSISTENCY! 
Another example is Reporting Date from XXXX is XXXX and XXXX XXXX Experian have it as XXXX - INCONSISTENCY! 
Another example is Credit Limit from XXXX has a {$0.00} limit, while XXXX XXXX Experian have it as {$280.00} - INCONSISTENCY! 
See attached Latest Credit Report dated XXXX for all XXXX credit reports. 
See attached compiled PDF of pages 6-7 of Credit Report showing XXXX XXXX Due to these inconsistencies this file must be deleted please.
Consumer complaint received 2023-12-02
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. (NY)

there are 2 hard inquires in my Equifax credit report were NOT from me. One is from XXXX XXXX  XXXX inquired on XX/XX/2023. The 2nd one is from XXXX XXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( XXXX card and XXXX card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

my account was closed by city on XX/XX/XXXX with absolutely no reason and I can not access my funds. I was simply told I would receive a letter within 30 to 60 days but I need access to my funds now I would like a check mailed to me with my balance immediately. This is my primary source of income and what I used to pay bills.
Consumer complaint received 2023-12-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FC HoldCo LLC (TX)

I have written a complaint against this company XXXX times since an issue arose over who owned the car. I was forced to file a lawsuit for this matter, however, my complaint today relates to this showing on my credit report. According to XXXX of the XXXX leaders, they will remove this information from my credit report and close my account. Furthermore, it would not appear on the credit report as a charge off. In the letter that I will attach, it is also stated that the account would be deleted. Due to the issues we have had, I would like them to completely delete this account, as if it never existed. I believe that they are under the impression that I am asking them for the vehicle. As far as I am concerned, that is a legal issue that can only be addressed in court. I am asking that they keep their promise which is deleting this vehicle from my report I do not take ownership for any loans are liens With Flagship.
Consumer complaint received 2023-12-01
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BOK FINANCIAL CORP (OK)

I was given an incorrect breakdown of my closing costs by a sales assistant working on my loan. Upon receiving an email with my closing disclosure and cash to close amount, I reached out to the sales assistant that had been helping with final paperwork. When I asked for clarification, I was told that the total cash to close was correct- {$4800.00} and my gift funds from donors ( {$4100.00} ) left the remaining amount of {$770.00} as my responsibility. This was all I needed to bring to closing, along with the 2 separate gift checks totaling that {$4100.00} amount. After signing all documents, the title company informed me that I was {$4000.00} short and would need to bring this money for my transaction to be filed. After showing them what I was told in writing, I attempted to contact the sales assistant that initially told me the {$770.00} amount. Because I was unable to reach her, I contacted the Senior Mortgage Loan Processor who had been coordinating with the underwriter. She told me that the title company was not correct and requested to call me back. I was called back by a woman named Kindy who confirmed what was originally told to me, that I was only responsible for the {$770.00} amount. Then, I heard the Senior Mortgage Loan Processor state that was incorrect and that I did not understand. At the same time, I received a text message from the Sales Manager stating " it looks like it changed to you needing {$870.00}. '' This totals to 4 different people telling me the incorrect amount, all the way up to the day of closing. I was misinformed multiple times by multiple BOK employees and was not told that the gift funds were applied prior to closing and were actually separate from the cash to close amount. 
This incorrect amount put me in a MUCH less stable financial position as I am going into my first home. My home is in need of minor repairs, new furniture and moving costs that all will be delayed due to this large {$4000.00} difference in closing costs that I was led to believe I was not responsible for. When seeking resolution on my own with the company, I was told that this all happened because I could not understand paperwork, I should have realized something wasn't right and that nothing could be done.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (TX)

In XX/XX/2023 I logged onto the PHH Mortgage website to see my monthly payment raised from {$2800.00} to {$4400.00}. I was told this was due to an escrow shortage because they claimed a predictive model showed my home evaluation going up. 


The 2023 notice of appraised value document I received from the XXXX XXXX Appraisal district office shows my total market value going from {$610000.00} down to {$580000.00} and also proof of my Homestead Exemption as well. When I provided this document to PHH Mortgage they told me it was not enough to remove the increased amount to my monthly payment and they'd need the actual Tax bill that wouldn't be released until XXXX. 


Around XXXX PHH told me over several phone calls that I'd be placed on a 90 day forbearance where I wouldn't have to make payments and those XXXX payments would be placed on the back of my payment cycle and my account would still be reported in good standing. I was also told they'd have no problem extending the forbearance to XXXX so they could receive the tax bill. I was then told on XXXX that their " investor '' denied my request to have the payments moved to the end of my billing cycle and the amount was due immediately. 


I then found out my credit score dropped XXXX points because PHH was reporting my account as 180 days delinquent. I filed a dispute with XXXX and my credit report then showed my account in good standing but the score was not raised back to where it was originally In XXXX I was trying to work with PHH to resume payment under the reduced amount but they attempted to get me to sign up for a Mortgage assistance plan. They informed me I could no longer make payments via their website and I'd have to call to make XXXX consecutive payments for XXXX, XXXX, and XXXX for the amount of around {$2700.00} and after I was able to make those three payments I'd be able to again make online payments again at the adjusted rate now that they have the tax bill When I attempted to make my third payment on XXXX I was informed my home was now in foreclosure and it would be up for auction on XXXX if I didn't pay them {$24000.00}. 
they claim this had something to do with an issue regarding my Title and they had me fill out a Marriage Status affidavit and said that if I filled this out my home would no longer be up for auction but I'd still owe the {$24000.00} ( I have been single this entire time with no previous marriages ) PHH claims they have sent me notification documents via USPS but I have not received them. The documents are available in my account on their website but how would I know to check there if I wasn't being notified via email or even over the phone?! 


I just didn't want my monthly payment to double and now I might lose my house. Please help me CFPB... you're my only hope!
Consumer complaint received 2023-12-01
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: Navient Solutions, LLC. (GA)

In XXXX XXXX XXXX, I was unemployed and contacted Navient about solutions available to me, due to unemployment. I was on unemployment and receiving government benefits and told them I could provide proof if needed be. They kept telling me they had no programs available to me, even with me being on government assistance. 

In XXXX XXXX XXXX I received a call about my payment missing. I informed the agent that I was unemployed and receiving government benefits. She told me that if I could make a payment of {$170.00} that would cover XXXX and XXXX. She then informed that if I made an additional payment of {$86.00}, that would cover XXXX XXXX  payment. I checked my account and luckily had received my tax refund check and made the payments. 

In XXXX XXXX XXXX, I started receiving calls from Navient saying I was behind again. I questioned how that could be, considering what the lady told me. I asked for them to go back and listen to the call to see what she told me. 

The calls continued into XXXX XXXX XXXX and every time I asked the customer service rep to verify what I was told, they told me they would put it in a request and then get back to me. I then told them I wanted to hear the XX/XX/XXXX call also. I told them if I heard it wrong, I would pay gladly pay them. I also asked about any programs, as I was just recently employed, but had not received a check and they told me they could lower my payments, if I agreed to another 10 years added to the loan. I declined. 

The calls came in once every 7-13 days and each time I asked for them to review the call and they told they would and would get back to me, but never did so. 

I submitted an online inquiry on XX/XX/, due to not getting a response from them. Before ever getting back to me they alerted the credit bureau of a delinquent account. They finally replied to me on XXXX XXXX XXXX 

This could have been solved before then, had their reps gotten back to me.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (GA)

XXXX Mr Cooper loans of XXXX. I closed on a loan with XXXX XXXX, made XXXX payment. XXXX was sold to XXXX. Setup payment by providing by XXXX information as no other choice was offered. Months later, XXXX was hacked. XXXX shutdown for over a week. I called to ask that they sell my loan, they will not provide person to discuss with. Asked them for address of legal counsel that I can serve them with lawsuit. Will not provide address. Asked to speak to XXXX, rep claimed he did not know who. I did not choose this company and they have no business being in this business with all the problems. Good companies dont get hacked. They operate cheaply, had their phone system off during the outage with no way to contact them. Communications regarding the security of my information are disregarded. Spend XXXX hour on phone today just getting the run around. I would like sufficient information on them to begin a class action suit. I want my information secured or my loan sold to a credible provider.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I have been with XXXX XXXX for 5 years and have made every payment with an additional {$2000.00} Principal payment. My Home loan was sold to Specialized Loan Servicing on XXXX XXXX 2015. I received a letter from SLS that they had acquired my Home Loan and I contacted them and made a XXXX XXXX payment of {$1500.00} with an additional principal payment of {$2000.00}. They informed me that I owed them an additional {$610.00} and I asked where this amount had come from and I was told on XXXX XXXX that they would look into the fees and get back to me. 

They took the payment of {$1500.00} and the additional Principal payment of {$2000.00} for a total of {$3500.00} which was deducted from my checking account. After a week I checked my SLS account only to see that they had not applied the {$2000.00} to my principal but had made an additional Mortgage payment so I called again only to have customer service tell me they would correct the problem and it would show on my account by the XXXX of XXXX. 

Today the XXXX of XXXX I logged into my account only to see that they have taken the {$610.00} for which there is no explanation when it was transferred and reversed the Mortgage payment with this code - XXXX : Payment Reversal. How much more confusing to a customer can you get???? My account shows the same amount owed after making a {$3700.00} payment. 

I have called and left messages for XXXX XXXX XXXX at their corp HQ in XXXX, CO at XXXX ext XXXX with no response. They have little to no respect for customers when called to inquire about the way a payment has been applied and want to charge fees that were never included with the original loan at XXXX XXXX. I 'm not real sure what XXXX XXXX DOES???? or for that matter how they correct a problem when they buy the loan but the response and actions of SLS are in BAD FAITH as a lender.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. 
Account payment history is reflected as late payment on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance XXXX
Consumer complaint received 2023-12-01
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. (CA)

Account is not reporting correct Equifax data breach Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX.
Consumer complaint received 2023-12-01
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. (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

These three illegal collections are fraudulent and they need to be removed off my report. These three accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! Please!!!! I have XXXX inquiries on my credit file is locked on experian now please remove these last remaining fraudulent items PLEASE!!!!!!! 

XXXX XXXXXXXX XXXX {$13.00} Date Opened XX/XX/year> XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/year> XXXX XXXX XXXX  {$57.00} Date Opened XX/XX/year> XXXX