davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX and XX/XX/XXXX Wells Fargo drafted unauthorized payments from my checking account, causing me to incurr NSF charges in the amount of {$35.00} for the month of XX/XX/XXXX and {$210.00} in XX/XX/XXXX. XX/XX/XXXX payment in the amount of {$2500.00} and XX/XX/XXXX {$11000.00}. I had told that the payment would be refunded within 24 hours on XX/XX/XXXX. This has yet to hhappen, Supervisors XXXX XXXX XXXX and XXXX XXXX XXXX had both listen to the recording that I had not authorized and requested my acount number to deposit or reverse the fee 's. On XX/XX/XXXX XXXX XXXX @ XXXX indicated that he was not refunding the money and conneccted me with the office of the president. During a recorded conversation, i was told that I would recieve a call back in 72 hours. Its been weeks and no call. Now im not recieving call for my mortgage payment, 'm being charged a {$12.00} fee to make a payment over the phone. Ive inclured {$180.00} return check fee on both loans. I'vee aso been told that if I have another returrn check on my mortgage I will no longer be able to make a payment over the phone. Clearly retiliation and Extortion. Also to review my payments are now fulluy amortized and i should be at the 18th year but they have me paying them off in 23 years on both loans. My previouse loan had more of my!! XXXX payment going to principal than with the new loan. It doesnt add up to the thruth and lending although my moortgage balanced increase.
Consumer complaint received 2017-01-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (KS)

I had signed up with PayPal Smart Connect which was supposed to help keep my bank account safe when making purchases online but was to automatically deduct the amount from my account and " filter '' it through PayPal so the vendor could gain access to my bank. Somewhere along the line the Smart Connect merged with the credit, which I was unaware of. I made a {$70.00} purchase, which I had assumed came out of my account already. It was n't until the first payment was late that I received an email notifying me. So I made the first minimum payment late but they threw on a {$25.00} late fee. The second payment was apparently late as well and the fee went up to {$35.00} and just keeps hiking up. So now, where my original purchase was only {$70.00}, I now owe them {$120.00} and the minimum payment has jumped up from {$25.00} to {$90.00} after just 2 months. They are calling 4 or and 5 times a day and at XXXX on Sunday mornings.
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: H & S Financial, Inc. (GA)

Today in the mail I received a letter from H & S Financial Inc. located at XXXX XXXX XXXX XXXX, TX XXXX. The letter stated I owed them {$8000.00}. They are claiming they had a judgement against me for the amount of {$8000.00}. I have never occurred such a debt. In fact, I went through six years of credit reports and it 's spotless with the exception of XXXX XXXX late payments, which were accidental. 

At no time was I served papers for a lawsuit. I never had a chance to appear in court. I never received any official court documentation. They did a hard credit pull without my permission. If there is a rule H & S Financial Inc. broke it. 

I am not paying the debt as it is not mine. I am filing a complaint with the FTC as well and will be sending certified letters to both H & S Financial Inc and the FTC stating the above with a request to do not contact me regarding this fraudulent attempt to collect a debt that is not mine.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (CA)

My available credit shown on line was not accurate and caused me to have a transaction declined which was for auto parts needed in a timely manner. I was informed by Discover 's chat representative that it is a result of how Discover posts payments. Payments are showing as available credit online before they hard post to the account. I have XXXX other active credit cards, XXXX which updates credits once the payment hardposts and XXXX the day the payment is scheduled and not tied to posting. Discover 's practice is deceptive and should be systematically fixed so that a customer has accurate information available to them. In this particular case, I would not have attempted to use the card if the credit was not showing as available. The chat rep indicated that apparently the gap is from XXXX pacific to sometime the following day.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am filing a complaint in reference to a dispute for accounts that are being reported incorrectly on my credit report XXXX Bank who holds accounts for XXXX XXXX XXXX. The have continously ignored my request to conduct a proper investigation and report the correct account information. They have not provided me with the documents that their company have on file that was used to verify the accounts. I have sent numerous letters requesting these documents that they have yet to send. I 've contacted to original creditor and they could n't even provide me with the proper information so how could the credit bureau verify this? Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are requested to " promptly delete all information which can not be verified '' that I sent correspondence on. I would like this matter resolved as soon as possible. This is really disrupting my livelihood the blatent disregard to send me the information requested and verify this account.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (NV)

In last month, WELLS FARGO send me a pre-qualified letter to invite me applying a credit card. I submitted the apply form online and I was asked whether I 'm a US citizen or a permanent resident or a legally stay foreigner. I 'm a XXXX citizen and I 'm now legally staying in America. I 'm not a permanent resident yet. I chose a legally stay foreigner at that time. A week later I received another letter and asked me to supply a copy of my Social Security Card. I send the copy to WELLS FARGO and about two weeks later I received the decline letter. The only reason they rejected my application was Not a permanent US resident. I think this is not a fair reason, and it seems like somewhat Racial Discrimination. Actually I already have credit cards of XXXX, XXXX, XXXX XXXX XXXX, etc. No other banks concern about my citizenship. A credit card is not so important to me, but I think this kind of behavior should not happen in this country. If legally foreigners are not welcomed by WELLS FARGO, they should dare to let me know directly at the beginning of the application and not waste my time.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I was unemployed and had a hard time to pay my home loan XX/XX/XXXX and XX/XX/XXXX. Based on this fact, I requested to refinance my home with OCWEN Home Loans ( loan # XXXX ), which was refused. Then they give me the option of a quick sale ( deed in lieu ), which I agreed ; however, after several months ( XXXX ), I had no answer from OCWEN, arguing that their legal department was analyzing the case. On XX/XX/XXXX I paid OCWEN a due amount of {$7200.00}. Immediately after, they charged me {$650.00} for fees/other charges, disclosed as follows : {$390.00} trustee fee, {$220.00} title report fee, {$19.00} statutory mailings, and {$13.00} of property inspection fee. I completely disagree with all these fees, caused by their lack of resolution to a deed in lieu procedure. I suspect they intentionally lack to agreed in the deed in lieu procedure, hoping that I fail to pay and they continue to a foreclosure. Please help. 
Respectfully, XXXX & XXXX XXXX. 
Ph. # : XXXX
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have continuously contacted the creditor whom refuses my dispute of the validation of this unauthorized inquiry. The representative could not provide with verifiable proof of the unauthorized inquiry, because they did not have the right to view my credit file in the first place. Also, The representative could not provide me with validation as requested, and I have continuously advised the creditor that this inquiry does not belong to me, and request that the following be removed immediately.
Consumer complaint received 2016-11-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAND HOME FINANCIAL SERVICES (OK)

On XXXX I contacted Landhome Finance in XXXX, Ca and spoke with XXXX in customer relations. She advised my loan in XXXX # XXXX was pooled and sold along with being FHA insured # XXXX. The attached XXXX XXXX document shows XXXX XXXX XXXX as the Servicer and XXXX XXXX XXXX XXXX as the investor. XXXX XXXX XXXX trades under XXXX see the SEC XXXX database starting XXXX. This means you disolved my " NOTE '' into a securitized special pooling vehicle ( security instrument ). Landhome Financial breached my contract before I ever made my first payment and opened the door for a completely fraudulent process of my note and deed seperating them. Not to mention in XXXX I advised XXXX XXXX from Landhome Financial 's office by email under no circumstances would I do a mortgage with XXXX XXXX XXXX for they had already deceived me in years prior. Landhome Financial 's negligence along with several other entities allowed the fraudulent stealing of my home, my personal property inside and locked my animals inside XXXX them. Landhome Financial knew all along the devestation and fraud they caused me when they set me up on XXXX. The Truth in Lending laws tells me I had the right to know who my lender was and Landhome Financial took that away. In XXXX when I sent my complaint to the Consumer Protection Bureau Case number : XXXX you deceived them and myself continuing my homelessness with no compensation for the negligence and suffering you have brought onto my life.
Consumer complaint received 2016-11-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MN)

Flagstar Bank has inappropriately denied assistance even though we are in imminent default under FHA guidelines even though we are current on our loan. We ( the borrower ) have had a reduction in income due to previous job loss, reduced pay with a new job and increased expenses. We do not want to loose our home! Flagstar states in it 's hardship letter they " ... understand that your home is an important and valuable asset and your peace of mind is important to me. Flagstar is dedicated to helping our homeowners preserve and maintain their investment. I am prepared to discuss your situation and help determine the best course of action for you. '' We feel this has hardly been the case. We are current. We have n't missed a payment. We are trying to be proactive rather than reactive with our loan.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MN)

In 2012 I took a car loan of {$18000.00} with Santander Bank after 4 years I still own {$15000.00}. I made XXXX payments of {$450.00} a moth and all my payments goes to XXXX.
Consumer complaint received 2024-11-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (GA)

VALIDATION AND CEASE AND DESIST CKS Prime Investment LLC XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXXXXXX XXXX, NJ XXXX XXXX, Ga XXXX XX/XX/year> Amount {$390.00} I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/year>, I was charged {$60.00} for a charge that was only supposed to be {$53.00}. Ive provided all the documentation to Truist showing that I was charged incorrectly, and have resent the information multiple times : on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Truist denied the claim after I sent my information on the XXXX, and said that they never received my documentation. ( I have evidence that it was sent and received on all those dates. ) They sent the claim in for review on XX/XX/XXXX, after I called and requested for them to do so. I received a voicemail regarding the claim on XX/XX/XXXX, letting me know they had an update, and they asked me to give them a call. When I called back they said that they had no update, and requested I resend my documentation, which I did. After doing so, they let me know I would get an update within the next 10 days. They never reached out to me. I called on XX/XX/XXXX for an update, and they told me that the escalation attempt was still under review, despite the evidence that I sent over to them multiple times. When I asked for an update on the timeline, they told me that they could not give me one, at all, and that I would have to wait for a response from Truist. I told them that I had been told 10 days previously, and they informed me there was nothing they could do about that. I asked to speak with a manager, and they told me that all they could do was wait for my second review to finish processing. I let them know that I was filing a complain with the CFPB, and was finally transferred to a manger. ( Which they told me before was not possible until my dispute went through the second review ) I spoke to a woman named XXXX, and she told me she would reach out with an update regarding my claim, and that she would send an email directly to the representative working my case. ( Which is also what I was told on XX/XX/XXXX ) So, after over a month of going back and forth with Truist regarding this claim, I am still no closer to getting a refund of what I was incorrectly charged. I have been banking with Truist for almost 10 years, and this type of disregard and unprofessionalism is completely appalling, and only made worse by the insincere attitude of the Truist representatives.
Consumer complaint received 2024-08-28
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. (TX)

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) A ), You are required by federal law to verify- through the physical verification of the original signed consumer contract- all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( An original consumer contract with my wet signature on it ) you Have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my Ability to obtain credit under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts to be verified or remove Immediately.
Consumer complaint received 2016-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

My name is XXXX. I have called and written countless letters to both XXXX ( Only 2 that 's showing ) about this issue of Someone else ( Ex wife ) School loans.. I had No knowledge this was even on my Credit history and I have NEVER Co-signed or agreed to pay {$30000.00} of her school loans ... .Through my investigation prior to XXXX XXXX did not show Me : XXXX of owing any school loans, which is Correct! The young lady that I spoke with said and I quote : '' I see what you 're saying XXXX, This Loan is from XX/XX/XXXX for a XXXX ( Now XXXX ) Your name does n't show up on her ( This ) acct until XX/XX/XXXX " .. I have done everything that I know to do.. She had to have forged my signature on paper or electronically on or before XX/XX/XXXX Per : Representative My information shows up on XX/XX/XXXX .... I would 've never known the month of XXXX if the Representative I was talking to did n't tell me .. I want and need all of my information attached to XXXX school loans removed and off of my credit.. I need HELP! I desperately need help.. This problem is hunting and hindering me .. Please somebody, anybody Help me.. I have Documents showing my signature if need be, if that 's needed to compare the two signatures ( Her forging my signature, if it was forged on paper ) I do n't know what else to do..Thanks in advance Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Recently I sent a complaints on my consumer report, on how I had inaccurate Information reporting! This account is keep updating INACCURATE INFORMATION and This is causing me harm and affecting my ability to purchase a house!

According to 15 usc 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to.

And 1681i ( 5 )! 


PLEASE REMOVE THIS ACCOUNT SO MANY ERRORS REPORTING ON THIS ACCOUNT HOW IS THAT THIS ACCOUNT IS REPORTING AS A CHARGEOFF IN XX/XX/XXXX and was CLOSED SINCE XXXX of XXXX but still reporting ontime payment! Also in the comments section its reporting account closed by consumer but still reporting CHARGEOFF. 
Please remove from consumer report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX : Initial Question/Comment : Mortgage refinance interest reporting form XXXX for loan XXXX was not issued XX/XX/2014 to XXXX. 
Interest deducted from loan XXXX itemized tax XX/XX/2014. 
Loan XXXX closed XX/XX/2014, interest for XX/XX/XXXX, XX/XX/2014 was reported. 
Interest on loan XXXX not reported for the time period of XX/XX/2014 thru XX/XX/XXXX closing of loan.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CA)

We are in the third month of the mortgage loan process with no end in sight. We are purchasing a home and the seller will not extend the contract after XX/XX/2016. We have quickly responded to any documentation needed by the lender and we are still waiting for loan approval and loan documents. We have also been told that the loan interest rate and costs will have to be changed after we were told that they would honor their original commitment.
Consumer complaint received 2024-08-28
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. (MO)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

Your agency is in violation!

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.