davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

This is a duplicate debt that has already been disputed and deleted off of all three credit bureaus by previous owner of debt. This debt was disputed and deleted through the consumer financial bureau. The case number is XXXX. The correspondence is below : I have filed a complaint with XXXX before regarding account number XXXX Please be advised this is my FINAL ATTEMPT to resolve this matter In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action
Consumer complaint received 2017-03-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I used a template found on the CFPB site to dispute this account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since they failed to properly validate and send me everything that the CFPB says I can request.
Consumer complaint received 2017-09-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My home was foreclosed XXXX by Wells Fargo and I was not informed of the process. During my separation of nearly 10 years XXXX XXXX XXXX ),  My ex wife and kids resided in the home while I served abroad on XXXX XXXX. When I found out that my home was being foreclosed thru email, it was too late. No one at Wells Fargo would work with me without my ex wife 's signature. She was adamant about proceeding with the foreclosure and refused to answer calls or correspondence from the bank. I contacted wells fargo immediately in an attempt to extend my time and save my property ( due to short notice ) but it was already too late. I 'm not sure when my ex wife received the initial notification that the home was in the foreclosure process, but when I found out there was not enough time to do a short sale or modification. To this day, I do n't have any information on when it began, when the home was officially foreclosed and how this happened so quickly. Wells Fargo conducted their own investigation but I do n't trust them. The gentleman that I spoke with in Loss Mitigation took quite a few months to complete his internal investigation that resulted in no fault by the bank. I now have a foreclosure on my credit report due to this process and not able to purchase a new home with my VA XXXX.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

Hello. 

Company involved here is my XXXX XXXX. 

I have been trying to refinance my current home but have not been able to due for the fact that I also have another home under my name whom is also financed through XXXX XXXX. ( Second home is being lived in and getting paid through a cousin of mine ). I have tried to refinance my current home with many banks, credit unions, brokers etc but have been informed that due to having two homes under my name that it would be impossible. 

XXXX of this year ( 2017 ) after giving hope decided to directly go with Ocwen for assistance. I was told that they would " definitely '' help me. After weeks and weeks of sending them all my personal information etc they told me to pay {$500.00} for an appraisal, I paid that. They were certainly aware of my other home as it 's also under them but then they told me after taking the {$500.00} which is Non-refundable that they were not able to assist after all because I have two homes in my name. 

I honestly feel that they ripped me off knowing well that they knew that if I have two homes were unable to refinance. They told me that I had to pay one of the homes off in order to be able to refinance.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DC)

To Whom It May Concern! 

An alarming issue should be brought to your attention at once. Ocwen was ordered to provide XXXX in relief to homeowners upon investigation by the Consumer Financial Protection Bureau for a host of complaints, including robo-signing affidavits and other documents. 
Attached is an affidavit sent from Ocwen to me the " borrower '' that Ocwen robo-signed ( page XXXX ) my birthdate, incorrectly of course, ( it is Ocwen ) followed by Ocwen representatives informing me by phone on multiple occasions that it was instead " I '' who submitted a affidavit with the incorrect birthdate!? Thereby once again, as they have done since XX/XX/XXXX, deny me the opportunity to secure a home modification at market value and remove the debt, interest and penalty associated with this loan. Once again, this affidavit is robosigned ( page XXXX in which my social security number and XXXX incorrect birthdate ( s ) are robosigned! ) This document was sent from Ocwen to me on XX/XX/XXXX.
Consumer complaint received 2017-09-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC (MO)

On XXXX XXXX XXXX I contacted Prestige financial about a debt that was alegged that I owe do to a car repossession. Prestige financial representatives XXXX DID NOT VERIFY THAT I WAS THE CUSTOMER BEFORE DISCLOSING PERSONAL INFORMATION AND SHE ALSO DID NOT DISCLOSE THE FDCPA MEMORANDUM AFTER
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to ASC and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015
Consumer complaint received 2017-03-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC (MO)

This company loaned XXXX and with all the interest fees it is charging over XXXX. I have defaulted on the loan and it was sold to a collection agency XXXX. I was able to dispute the loan with this company and have it erased from my credit report, now the original lender is trying to come and collect, once they sell the loan they no longer can collect on it.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have a claim on a cash deposit made to one of the Wells Fargo ATMs in XXXX XXXX, CA at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023, at XXXX XXXX. The ATM machine " jammed '' during a deposit of {$960.00} cash to my checking account and kept {$460.00} 0f this deposit and I was able to retrieve {$500.00} by pushing the return button. now as a customer I need to wait 10-days without any further correspondence and was told on the day of the deposit when I called customer service that the transaction needs to be " investigated '' to prove it really happened, and that Wells Fargo could not view any customer transaction on their ATM machines since Wells Fargo does not own the machines. 

Sat this branches ATM, I first used my XXXX debit card to withdraw {$1000.00} from XXXX and was charged a {$3.00} service charge. I received {$1000.00} in {$20.00} dollar bills and proceeded to deposit {$960.00} into my Wells Fargo checking. Luckily, when the machine jammed, I pushed the option button to return funds and was able to get back {$500.00} of the {$960.00} returned, less the {$460.00} the ATM machine kept without any receipt of its acceptance ... my primary reason at the Branch on the morning of XX/XX/XXXX was to deposit money to send my XXXX to my quadriplegic son who lives in another state and needed money that day. I only use Wells Fargo as an account to transfer funds to my son and to pay a mortgage payment on one of my 3 homes. 

The fact that I needed to go to one of my other Banks on Monday XX/XX/2023, and wire funds to my XXXX son to get to him ASAP is not only an inconvenience but has now completely impacted my already low-confidence level in Wells Fargo Banks XXXX given your history. 

That a customer can deposit cash money into am established Banks ATM machine and not get a receipt of what amount was accepted regardless of a " jam '' is outrageous, yet I got a receipt showing a malfunction and a {$0.00} cent placeholder credit for a transaction of {$460.00} of a {$960.00} cash deposit was accepted by your Bank.
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MI)

There are XXXX collection accounts listed on my XXXX, XXXX, and XXXX credit reports. XXXX collect accounts list, I C System, as being the collection agency. I C System is not licensed to collect on debts in the state of Michigan. Therefore I am disputing XXXX entries.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I fell behind in my Mortgage XXXX of XXXX, I was put on a Repayment plan with Bay View Loan Servicing, I ended up making multiple payments, My balance for XXXX ended up being {$4.00}, XXXX so I mistakenly made XXXX payments in the month of XXXX XXXX payment was for $ XXXX XXXX XXXX at this point my balance was {$4400.00} so I made Additional payments on XXXX XXXX {$2000.00} and XXXX XXXX {$890.00} I was told be Representatives at Bayview loan Servicing that I was fully paid through XX/XX/XXXX.I then receive a Statement for XXXX XXXX stating I owed for XXXX {$2.00}, XXXX What is so confusing I begin to receive calls from People saying they wanted more money than once I called Bayview a man by the name of XXXX said do n't worry trust his words I am paid through XXXX. On XXXX XXXX XXXX I called to inquiry about this additional payment for XXXX another Representative stated that I still owe for XXXX at this point I am Stressed completely out of my mind, I begin receiving letters from Bayview loab Servicing with no name on the letter trying to Threaten me and Exstrot more money out of me, I could n't believe what was happening, I also noticed that my XXXX statement did not have the additional XXXX payments that I had over paid Bayview leaving Bayview to owe me $ XXXX I am warning everyone who deals with these people to read carefully and Demand statements from Bayview and other Companies that Claim to be helping you make home Affordable act. They could be ripping you off!
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NRA Group, LLC (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Dear XXXX, I am requesting that both of my Capital One accounts be re-opened. Due to the loss of my mother and loss of job with my daughter the cards were over the limit, past due in payments because of my family crisis. The credit card company took it upon themselves to close my accounts, yet demand payment. Now that we can attempt to get back on our feet-we are requesting the cards get reactivated, and report both accounts as " OPEN '' on my credit report. If I am still committed to assume payments on the bills at least I will gain credit by Capital One reporting as NOW paying as agreed. Previous payments were made ontime, our lack of payment, and overages were simply due to my mother 's illness then finally her passing. It has been so hard trying to pay everyone, and keep a roof over our heads as well. Please mediate for us that Capital One will re-consider re-opening my accounts. We want to continue to make payments on-time and continue to build a healthy bussiness/customer relationship in the future. Lastly, we were told that a return check was a reason why the account was closed-we had so much going on with planning of funeral and burial with mom-it is hard for us to track down anything-they may have been a payment automatically to be collected out of my Capital one checking account-and in all the XXXX and XXXX going on, we forgot to follow up on the transactions-still we find that is no reason to close an account when previously the payments were made on time, and we received several increases on both accounts. We made several attempts to communicate with Capital One- we were faced with customer services representatives who had communication barriers which we could not understand XXXX were they able to access our problem to give real clear answers. We were told different answers as to why the accounts were closed-as though we were committing fraud, which that is totally ridiculous.
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (WY)

XXXX is a charge off that left me insolvent {>= $1,000,000} US I took possession XXXXn Sam.Gov the complaint number sent by me around an hour ago Complaint Number XXXXXXXX XXXX XXXX  Management Office XXXX XXXX was solutions letter was sent to me with my last name XXXX. In that Codified Law 58 legislature in 58-3-7.3 and in 58-3-8 has been found was put in CFPB complaint number XXXX was established in Lieu of Oaths in my file this month in the M & A Codified Law 58 legislature of South Dakota 58-3-8 demands a correction of records I am examiner in Lieu of Oaths 58-3-7.3 in that i am requested to give a Notary Public to XXXX XXXX XXXX XXXXXXXX Management Office I do that in codified law 58 South Dakota Legislature 58-3-17 in 58-2-20,58-2-21,58-2-22,58-2-23,58-2-24 in 58-2-27 in Title 45 75.322 ( a ) and in 75.320 ( e ) in 45 CFR 75.322 ( c ) in 45 CFR 75.322 ( d ) ( 1 ) ( 2 ) and 45 CFR 75.322 ( e ) ( 2 ) ( ii ) and 45 CFR 75.322 ( e ) ( 3 ) ( i ) ( ii ) ( f ) The collection and use of this information is authorized by 12 usc 5493 and will be treated in accordance with the systems of records notice ( SORN ), CFPB.005 Consumer Response System, 83 FR 32640 is in codified law 58 South Dakota 58-2-28 my franchise is located in Arkansas . in codified law 58 south Dakota in 58-3-4 in 58-3-6 in 58-3-7.3 in 58-3-17 in 58-3-15 in 58-3-8 in US Federal Grant Assistance Admin of {>= $1,000,000} US in the XXXX accession to wealth as solution for letter from XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in codified law 58 South Dakota 58-3-24 in 58-3-25 in 58-3-26 in 58-3-17 in 58-3-7.3
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (VA)

I had an outstanding out of state medical bill from XXXX and had issues with my insurance company processing the payment. Eventually partial payment was processed but a balance of {$320.00} was sent to a debt collecting service. I paid the debt plus interest in an amount of {$460.00} on XXXX XXXX, XXXX to " XXXX XXXX Co ''. I have the transaction available on my credit card statement. The account had been reported to the credit reporting agencies and that has also subsequently been closed. However I have begun to receive phone calls from " Bay Area Credit Service '' insisting that I still have an outstanding balance of {$320.00} and there is no record of a transaction paying that balance. I have informed them clearly of the events but during each conversation I get passed along a line of different employees and told the same thing, that I still have a delinquent account and I need to remit payment or they will ( again ) report it as delinquent.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Equifax , Inc. did not respond to a re-investigation request to resolve their inaccurate, incomplete, unverified, false, misleading and improperly investigated information. I sent the response to the CEO and Chief Legal Officer because their employees keep lying to me. As a victim of the XXXX  Equifax Data Breach they have failed to protect my information. 

They are negatively impacting my financial livelihood and their noncompliance is intentional. I'm requesting for the CFPB to step in to assure that I am being treated fairly as this is causing me financial, XXXX  and emotional distress and I am unable to get XXXX NAME to stop violating my consumer rights.
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Since XXXX XXXX, 2017 I have been trying to get XXXX XXXX to remove more than {$1500.00} of disputed charges from my account. Earlier in XX/XX/XXXX, JCPenney refunded {$1200.00} in charges for items I never received but still refuses to accept returns of merchandise and credit the remaining balance. XXXX XXXX continues to claim they " are investigating ''. I have repeatedly ( FIVE separate times ) informed XXXX XXXX that my ENTIRE BALANCE is in dispute which should mean that interest is not being calculated on the disputed balance and that payments are not required on the disputed balance. However, since I opened this dispute, my account has been assessed late charges and interest charges and I have been hounded incessantly, as if my account were past due. I have received collection e-mails, phone calls, and the online status on my account shows " past due ''. To top it all off, on XXXX XXXX, 2017, they reported to the three major reporting agencies that my payment is 30+ days past due. I have excellent credit and am greatly frustrated and angered by these inappropriate collection activities. Additionally, this inaccurate reporting is adversely affecting my ability to obtain additional credit.