davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

On XXXX XXXX, 2014, my husband and I signed a residential contract of sale form to purchase a house. Wells Fargo was the name of the bank we used to finance the loan. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested my husband and I to have this house inspected by a company which they must approve that is contracted and authorized to supervise and sign off on rehab work. My husband and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 

After the inspection was done and I found that the roof repair estimation was incorrect because it was for a XXXX roof instead of a XXXX roof. I had paid a XXXX {$250.00} to inspect the XXXX roof and give me the cost to either repair or replaced the roof. When the contractor emailed me the estimation, I had forward the email to my loan officer at Wells Fargo. He told me that he suggest that my husband and I let the house go and he did not communicate with me any more. I have called him numerous times and emailed him as well to let him know that my husband and I still want to move forward in purchasing the home ; we told our agent as well but the loan officer never called me or replied to any of my emails. My husband and I was willing to pay for the roof repair in order that we may stay within the loan approval amount. The loan officer which was handling our loan paper work never took our desire into consideration and as a result we lost out on purchasing the home and lost our {$800.00} for the mandatory inspection as well as the {$250.00} XXXX roof inspection.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

very " simple '' situation. XXXX XXXX refused to change mailing address, kept sending it to old address, in spite of notification of COA by mail, telephone & online. So then, since they could not get the statement to me, I closed acct. that took weeks, instead of a few minutes.. the " late '' charges are because they would not get the billing statement to the current/correct mailing address. 
I think the problem lies not in billing /accounting, but in customer service procedures. We still shop there, as they are handy. The problem is not with local stores, but headquarters.
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: The J. G. Wentworth Company (DC)

My mortgage was due on XXXX XXXX with a grace period until XXXX XXXX. Given the frantic preparations trying to get my family to XXXX, I did not have time to pay my bills before I left, but I knew I had the grace period and so was okay. When I got to XXXX I attempted to pay the mortgage via the on line payment system as I do every month. I could not log in, and when I went to reset my password, the password never reset and I was never permitted to log in. It appeared that the password was reset but it never worked. I attempted to locate a number to call to pay by phone, but there was no number to pay by phone calling out of the country. The number that did exist could not be dialed internationally. There was also not a number for me to call from out of the country to speak with a customer service representative. At that point my option was to ( 1 ) mail my payment from XXXX ( 2 ) mail the payment from my bank using on-line bill pay or ( 3 ) do neither and resolve the matter when I returned to the States. I opted to do number XXXX because I knew that if I mailed my payments from bill pay or from XXXX, the payment would arrive AFTER my return to the States when the matter would have already been resolved. Immediately upon returning to the U.S., I called WestStar to inform them of the problem and make my payment. I ALWAYS pay my mortgage on time. WestStar said it was my fault the payment was late and would be charging me a late fee. I protested on the grounds that the problem is their system. If they provide a means for customers to make their payments, those means should work and if they do not work, I should not be penalized. It turns out that a glitch in their website payment system does not allow for the passwords to be reset as they should and the customer service rep had to walk me through a process to make the password reset work. WestStar persists in charging me this late fee, which I do n't feel I should have to pay.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I disputed XXXX credit inquiries. While co-signing for a car for my son who is in the XXXX - I was under the impression that my credit would be pulled by the dealer that the car was being bought at ( XXXX XXXX in XXXX, NC ). Next thing I know - there are XXXX other inquiries on my report.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (CA)

We currently have a loan through XXXX. Because we wanted a by-weekly payment plan the loan payment is handled through XXXX XXXX XXXX XXXX. ( Formerly known as XXXX ) When we contacted them because we had no record of them deducting our payments, they told us that payments were being made on schedule. We asked for a statement and were told that they ( eq.accel ) do not provide statements. Tried to register online and cooincidentally we ca n't register our loan. We smell a " Rat '' and are asking Consumer Finance Bureau to look into this. Are they not required to provide a statement or method of record keeping on payments being credited to our home loan? BTW we would never do business with XXXX again. We experienced nothing but grief at a number steps. Not because of our house value or credit history but their " we do n't care '' attitude.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I lost my income because I got XXXX, so I applied with Wells Fargo for a loan modification, they denied it the reason I could afford it ; they said my income is high. At that time I had to go to the hospital so my income went down, they said so long I have change in income I could apply again, so I did it, they denied it again the reason the same as before, which is not true, without any other explanation, I believe the real reason of the deny is the house mortgage is much less than the market value of the house, they will be in better situation if they foreclosure Loan No. XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (OK)

I received a brinks XXXXXXXX account card and paperwork in the mail. Completely unsolicited I was given a routing number and account number and a debit card and I did not ask for!! If this wouldve gone into anyone elses hands, they couldve opened it and opened an account under my name. I will be calling!!
Consumer complaint received 2024-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

Date of Incident : XX/XX/year> Financial Institution : XXXX by Goldman Sachs XXXX XXXX XXXX : On XX/XX/year>, I attempted to transfer funds from my XXXX by Goldman Sachs account to my XXXX XXXX checking account. The transfer could not be completed through the regular online process, and I was prompted to call a toll-free number ( XXXX ) to facilitate the transfer. 
Upon calling, I was transferred to another employee who attempted to send a One-Time Password ( OTP ) to my phone number for verification purposes. However, this process failed on their end. 
The employee then informed me that they would open a complaint internally so that someone could contact me later ( XXXX to XXXX business days ) .This has left me in a difficult financial situation, as I am unable to access my own funds to pay for essential expenses such as rent, college tuition, and credit card bills. 
I also inquired about the possibility of writing a check from my XXXX account to my landlord, given that I have sufficient funds in the account. The employee was unable to provide a clear answer on whether such a check would be processed successfully. 
Impact : This situation has effectively paralyzed my financial operations, leaving me unable to meet my financial obligations. The inability to access my own funds has put me at risk of late payments and potential financial penalties.
Consumer complaint received 2016-01-15
Product: Consumer Loan — Pawn loan
Issue: Can't contact lender — 
Company: BB&T CORPORATION (PA)

Line of credit loan. Will not or can not send invoice. When I contact bank they all tell me different reasons. If I do not remember and do not send loan payment in time they will charge me. Some months I get invoice some I do not. Blame it on recent merger with B B & T Bank. Happened before the merger also. Tired of calling. They need to be responsible enough to send invoice and not make me call each month. They also tell me different places to send it. Also not very pleasant when I call either. Please do something. Tired of banks doing what ever they want.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I thought I was ordering XXXX free credit report from Transunion. I provided my credit card number as requested to verify my identity. I never saw information about a charge for additional services, but XXXX charges showed up on my credit card bill, XXXX for {$1.00} and XXXX for {$21.00}. When I called customer service I was told that I had ordered a " free '' trial membership ( for {$1.00} ) and when I did n't cancel it within 7 days, I was charged {$21.00}. I never knew I ordered this. The rep referred me to the " escalation department '' who cancelled my " membership '' but refused to reimburse the amount charged. The rep told me I used the wrong website to get my free report, and it was n't their fault. Very deceptive. I now see there are lots of similar complaints online. I never thought to check them out before doing business with them. I thought being XXXX of the XXXX credit reporting agencies to which we are repeatedly referred to check for identify theft, that it would be a reputable company. Clearly not. Can anyone stop them from deceiving others?
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GVA Holdings, LLC (GA)

I received a loan from brightlending.com through my XXXX account and it was not reported to the credit bureaus it was a XXXX dollar loan and I paid over XXXX in total payments and I am furious this wasnt reported to help improve my credit!
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I 'm a victim of identity theft and Equifax refuses to remove these XXXX accounts from my credit file with is in violation of section 605B. I just do n't understand the logic behind this or what 's going on! How does this law protect me if the bureau does n't abide by it? I never received any documentation proving ownership, I receive statements that these are mine and that they have been verified. How were they verified? Where 's the documentation? Where 's the original contract with my signature? Who did they speak with? What was the date? Was it via email, phone, fax, etc.? This is not fair that someone can steal my information and utilize it like this! Someone obtained medical services with my information and then did n't pay it. Someone opened an auto loan with my information by walking into this dealership with my pieces of identitification and they left there with a vehicle. They can repo the car! I do n't care because I do n't have it! I never had it! I want this information off of my credit file immediately and I have no problem making a complaint with the Attorney General. Actually, I 'm going to do that right now.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS (CA)

A man introducing himself as XXXX XXXX leaves voicemail messages indicating that he is calling from the Law Offices of D Scott Caruthers and to return his call at XXXX. Calls on a very frequent basis. Calls are invalid and annoying. Bordering on harassment as the nature of the call is never disclosed.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (VA)

On XX/XX/year>, SoFi sent me an email saying my bank account was temporarily restricted and no incoming or outgoing transactions will be allowed. I called in and was told that it was caused by 2 deposits I had made approximate 2 weeks prior. We had a 3-way call with the originating bank, XXXX XXXX and they confirmed my ownership of the account and availability of funds. The restriction was lifted. Less than an hour later, I received another email stating the account was restricted again. 

I have since talked to 5 different security team representatives at SoFi and none of them can explain why the account is currently restricted, when the investigation will be complete, or how to handle my employer 's direct deposit which will now be blocked. I have asked multiple times for an estimated resolution time or how I can help resolve the issue and no information is forthcoming. This is a brand-new checking account, approximately 1 month old. I had to ask multiple times for a reference number and was finally told it is Investigation reference XXXX.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aqua Finance, Inc. (TX)

This company salesman that came out pressured me into purchasing this water treatment system that do not work properly and my water usage with the water company is enormous. What the salesman did not say was that to get someone out to do the maintenance would cost an additional XXXX XXXXXXXX, in addition to the monthly fee nor that the water bill would increase enormously, I have been paying till I have begun to see increased water bill that I cant afford and called to get maintenance out to look at the water system and was informed of the maintenance fee upfront. 
I understand there is a lawsuit that was settled in XXXX for the same issues Im having.
Consumer complaint received 2015-07-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services (VA)

Lendmark Financial Services has repeatedly harassed my family and I. They have violated my rights under the FDCPA rules. The following violations have occurred since I requested validation of this debt : The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) o Numerous calls have been placed to my phone ( XXXX ) as well as members of my family. 
Repeatedly call a third party to get your location information. The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [ 15 USC 1692b ] 804 ( 1 ) o A representative went to my mother 's home in a threatening manner and interrogated her about my whereabouts. I have never been out of touch with the office, therefore there was no reason to send a representative to my home. ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 
A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) o I have repeatedly spoke to representatives that simply ignore my request for validation and continuously ask when I am going to make a payment, request me to enter the office repeatedly, and send letters demanding payment. 
After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b ) o I have received numerous calls and written communication during the 30 day time frame, but no validation. 
Collectors ca n't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector can not or does not intend to take the action. [ 15 USC 1692e ] 807 ( 5 ) o By repeatedly calling and requesting that I return to the office and showing up at my home, Lendmark has left me feeling threatened and stalked. 

Furthermore, they referred my account to an attorney and filed a Warrant in Debt while failing to provide validation. XXXX Warrants in Debt came to my home in the same 30 day timeframe with different dates, in an attempt to further discredit my name.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

CARRINGTON MORTGAGE IS ATTEMPTING TO FORECLOSURE ON MY HOME WITH FRAUDULENT ASSIGNMENTS THAT HAVE BEEN ROBO SIGNED BY WELL KNOWN ROBO SIGNER INCLUDING ASSIGNMENT SIGNED BY XXXX XXXX AND XXXX XXXX XXXX BOTH ARE WELL KNOWN ROBO SIGNERS. ALSO ATTY SIGNED AS ATTORNEY IN FACT IN 2010. THE LOAN CONVEYED AND TRANSFERRED AFTER THE CUT OFF DATE OF XXXX MORTGAGE LOAN TRUST OF XXXX SAVING FILE WITH THE UNITED STATES XXXX EXCHANGED AND IN SECTION OF THE POOLING AND SERVICING AGREEMENT. THE ARE USING THESE FRAUDULENT DOCUMENTS TO FORECLOSE ON MY PROPERTY. THE HAVE NOT RESPONDED TO MY REQUESTED GAP ACCOUNTING, NOR HAVE THEY RESPONDED TO THE XXXX .I ALSO SENT NOTICE OF ERROR A DEFAULT ON THE XXXX NONE OF THE DOCUMENTS HAVE BEEN ADDRESSED. 

THE ARE ALSO ARE GUILTY OF DUAL TRACKING WHILE IN THE PROCEED OF SPEAKING WITH MW ABOUT A LOAN MOD THEY SENT MY LOAN TO THEIR FORECLOSURE ATTY ALDRIDGES PITE TO PROCESS MY LOAN FOR XXXX FORECLOSURE SALE
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (TX)

On XX/XX/XXXX, I received a letter from LenderLive Network informing me " that the servicing of [ my ] mortgage loan has been transferred to a processing center at LenderLive Network '' and that " the right to collect payment [ by LenderLive ] is effective XX/XX/XXXX ''. I did nothing at the time, thinking it was fraudulent, since I had received another similar letter back on XX/XX/XXXX stating that my loan " was sold to XXXX XXXX or to XXXX XXXX as trustee for a trust holding your mortgage loan on XX/XX/XXXX '' but that " the sale of your mortgage loan does not affect any term or condition of the mortgage, deed, or note '' and " requires no action on your part ''. Then on XX/XX/XXXX, I got a notice of " payment past due and credit score warning '' from a debt collector, stating that " LenderLive Network was now servicing my account on behalf of XXXX XXXX - XXXX XXXX XXXX ''. There was also an itemized bill accompanying the notice dated XX/XX/XXXX that had an extra amount of {$68.00}, supposedly due to the absence of PMI. The original lender, XXXX, never made contact with me regarding the transfer of the loan, which is why I did nothing with the XXXX XXXX letter from LenderLive. I contacted LenderLive, and they explained the difference in cost by saying that they were billing us for an extra {$68.00} due to the absence of PMI when XXXX was in charge of the loan. I then paid the increased Escrow amount for XXXX, bringing my total to {$1200.00}. I created an online account with LenderLive, and when I logged in to pay XXXX 's bill, the amount due was back to the original {$1100.00}. My complaint is due to the following : ( 1 ) not being given notice from XXXX that my loan was sold and thus charged late fees by LenderLive during the transfer process when my account was in auto-pay and ( 2 ) that the value of the mortgage went up -- I am being charged more for PMI after LenderLive took over the loan because they said I had n't been paying PMI at all when the loan was being serviced through XXXX.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

I deposit money on XX/XX/XXXX to SoFi which went through, however when I tried depositing a cashier check from XXXX XXXX on XX/XX/XXXX the bank denied the transaction and then froze my account. When I called they would not provide information on why the account has was frozen nor a timeline. It has bene over 3 weeks and the account is still frozen and no information provided