davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OR)

As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that OCWEN Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and XXXX to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for the XXXX XXXX will help otherwise DIE & XXXX
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing sent me a bill for an alleged debt. The alleged debt is past the statute of limitations. I do not want any further contact from Convergent Outsourcing in any form. When I have spoken to Convergent in the past they misrepresented who they were which is a flagrant violation of the Fair Debt Collections Practices Act. I do not owe any alleged debt they are trying to collect. They are hostile and abusive when speaking with them.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

XX/XX/2015 I detected, while checking my credit card activity in the website ( macys.com ), fraud activity in my account ( about {$480.00} ). Immediately after, I called the credit card dept. to let them know about the issue. They canceled my account, sent my another card with a different number, and told me not to pay the amount related to the fraud activity. I decided to pay the total amount of my debt, excluding the fraud activity, and stopped using that card. I have not use it since then.Days later I received a form where I should indicate all the charges that were not mine. I sent it three times, since I was told that they had not received them. Since then nothing has happened. I call the credit card dept., every week ; they have not answers. I have called the fraud department hundreds of times and nobody answers the phone. The waiting time is between 30 to 45 min. Who can wait that long waiting for someone to answer? The three or four times someone has answered the phone, during these eight months, they say that the problem will be solved in few days, and I am still waiting. Meanwhile, they have been charging late fees to my account every month affecting my credit scores. I honestly do n't know what else to do. The fraud activity, when you see the statement, is the following : XXXX XXXX Ats Online XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} Additionally, there are International Fees related to these charges for an amount of {$11.00}, which mean that they were made out of the United States. The first charge in the list, though, does n't have that fee.
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending (VA)

I had a genesis lending loan, that has been charged off, it is appearing on my credit report and weighing it down a lot. I have called genesis and was redirected to another company phone number XXXX, they do n't seem to have any information on me, I called called XXXX whose name appear on my credit report and they do n't have any information on my loan. I have trying to get information, no one seems to know or have any information about me. If I CA N'T GET INFORMATION, I WANT THE REPORT REMOVED FROM MY CREDIT.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2015-09-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

Collection Consultant, a collection agency, reported to XXXX & XXXX that I have a balance to XXXX XXXX {$80.00}. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment which was faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.
Consumer complaint received 2016-03-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (IL)

XXXX XXXX XXXX XXXX. Denied A Fraud Claim Of {$14000.00} From Wells Fargo Bank Who Allowed Money To Be Laundered In The XXXX, XXXX Branch Wants Money Returned. 
On XXXX XXXX, 2016, I, XXXX. XXXX XXXX became a victim to an IRS Scam ( XXXX ), was instructed to pay {$14000.00} ( {$6200.00} Taxes Owed + {$8000.00} IRS Processing Fees ), and to deposit it in IRS Accounts ( Acct : XXXX and XXXX ) at Wells Fargo Bank, in XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX ). A XXXX XXXX ( XXXX XXXXXXXXXXXX ) stayed on the phone with me ( inside the bank as well ) until the deposits were completed. 
On XXXX XXXX, 2016, I filed a XXXX Police Department Report ( Incident # XXXX / XXXX ) as instructed by XXXX XXXX ( Asst. Branch Manager of Wells Fargo Bank in XXXX, XXXX XXXX ) to start the IRS Scam investigation. The Branch Manager ( XXXX XXXX XXXX / Wells Fargo Bank in XXXX, XXXX ) told me to come into the bank on XX/XX/2016 to start the Fraud Claim investigation. On XX/XX/2016, XXXX XXXX ( of Wells Fargo Fraud Prevention XXXX XXXX, XXXX ) informed me that she was the fraud XXXX for my case. I called XXXX XXXX weekly to find out the status of the case, and she ignored my calls for more than 30 days. Then I contacted the Branch XXXX again on XXXX for a case status update, XXXX XXXX laughed and said he had about XXXX other fraud cases, but would email / call XXXX XXXX and let me know within two days his findings. XXXX XXXX never called back. XXXX XXXX called me on XX/XX/2016 and said that she had closed the case on XX/XX/2016 ( More than 30 days ago ), refused to give a case number, and said to contact the XXXX XXXX XXXX XXXX for answers. 
On XXXX XXXX, 2016, Wells Fargo Bank 's executive office ( in XXXX XXXX XXXX ) contacted me, gave a new Case Number ( XXXX ), and said XXXX XXXX XXXX would be investigating the case. XXXX XXXX called me, concluded his investigation ( on XX/XX/2016 ) stating that my {$14000.00} would not be returned ( because I walked into the branch and deposited the money into the accounts ), and no letter would be sent to me regarding the findings of the case. 
XXXX XXXX XXXX XXXX. XXXX XXXX wants the case to be settled as follows : Full payment with a Cashier 's Check of his {$14000.00}. 
Letter of with both Case Numbers and investigation findings.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo called my number asking for payment of a vehicle loan that my ex-wife has posession of through our divorce. She is there months behind and I am cosigner, unfortunately she has legal rights to the car and since I am only cosigner I have none but resposible for the debt even though she has posession of the car. Wells Fargo has threaten to call my chain of command as I am in the military and not just my immediate but they ask for the commanding General number which is way above who they need to call. This could cause serious issues and possible separation at 18 years of service for something out of my controll.
Consumer complaint received 2016-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

I am refusing to pay the $ XXXX.I am requesting the the {$9.00} be reversed and credit to the account asap.I did n't know the check was fake or counterfuit.I am not paying the account ending in XXXX.I never received my check book wallet I ordered.I am unable to use the checks due to the account being closed and I did n't authorized TMOBILE TO G INTO MY go into account.I told them to stop all payments transactions.I told them to cancel all orders.I told them I did n't want to use my account anymore for payment.I am requesting these charges be reversed and brought to a XXXX balanced.Wells Fargo praticesare vert manipulative and deceiving.They ended my banking history over a conterfuit check ididnt write or deposit into my account.I did n't deposit that check into my account.A scam artist who I through was a real true private lender. 
I am requesting a full investigation into evil wicked unprofessional non sensitivity pratices of Wells Fargo.I am a very progressive law student who is very aggressive about corporation respecting and honoring their customers.I am going to give you 30 days to fix this very important matter.If it is n't fix.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.If I am on XXXX.I am requesting to be taken off immediately.This is a complete violation of the Fair Debt Collection Act and The Fair Debt Reporting Act.I will also be filing a complaint with the Federal Trade Commission.I am asking for the a internal investigation.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-19
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)

XXXX ' XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I sent a letter to you disputing XXXX accounts as erroneous on XXXX certified mail, return receipt requested. I received notice in the mail that you received the dispute on on XXXX. It is now XX/XX/XXXX and I have not received a response from you. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance to your timely response to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Delinquent account — 
Company: Persolve, LLC - Legal - Series 2 (CA)

I had a {$6500.00} XXXX credit card account with a balance of {$6100.00} in XXXX. In XXXX I had gotten laid off from my job and worked out a fixed payoff plan and had paid over {$2000.00} by XXXX. I missed XXXX payment and they bounced the balance up to {$6500.00} stating the reasoning was because of the payment arrangement that we had. I told them that I would agree to settle with the remaining {$4000.00}, and felt cheated since they basically " stole '' {$2100.00} from me, but they would not have it. They ended up sending me to collections and then put a lien on my house. That house was sold in a short sale in XXXX and in XXXX I got notification that XXXX was attempting to collect {$10000.00}. I ignored it and figured it was a scam because I never had any account with them for {$10000.00}. Now I am trying to buy a house, it is over 8 years since I had the debt, and I come to find out that a company called PERSOLVE, LLC ( Account Resolution Associates ) is claiming I owe them {$10000.00}, apparently from this credit card account, and is preventing me from buying a house. Should n't this have been settled with the Lien in XXXX? How can they legally come to me 6 years after the lien and try and collect over 2 times my remaining balance of {$4000.00}?
Consumer complaint received 2015-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar mortgage overcharged me in my payoff of my loan. They gave XXXX payoff amount, which was paid to them, and then they said that I owed more money, and gave me a new payoff amount. I had to pay interest for the difference, which amounted to {$580.00}, which I was overcharged. Nationstar assumed my mortgage one month before I sold the house, and when I called them to ask if they were going to do an autopayment, they said no, to send the mortgage check, which I did. They then XXXX cashed my check and extracted an autopayment for the same month, within days of each other, which resulted in a double payment for the month and overdraft fees in my bank account. When speaking with XXXX XXXX at XXXX x XXXX, he agreed that I had been overcharged, but since then has not returned any of my calls. Nationstar was completely at fault giving me a wrong payoff amount, and I should be reimbursed the {$580.00} I was wrongfully charged in interest.
Consumer complaint received 2024-09-19
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. (SC)

Ive requested multiple times verbally over the phone and in writing to remove all dispute verbage and comments from accounts. Ive been trying to achieve this for several months with no success and this is keeping me from obtaining a home loan. XXXX, Equifax and XXXX
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2016, after receiving results from disputes on several accounts : XXXX XXXX XXXX, XXXX XXXX XXXX I requested the method of verification under FCRA 611. I also notified Equifax of the failure to timely investigate several accounts listed as US Bankruptcy Court XXXX Ga Case Id : # XXXX ; # XXXX ; # XXXX within 30 days. I specifically described the letter as a " followup to disputed accounts. '' ( See Attached ) I received a notification by email that this letter initiated a new reinvestigation of all said accounts. ( See Attached ) Not only did the company ( Equifax ) neglect the request it misapplied different issues. For example, method verification request does not lead to a new reinvestigation of the same results. Secondly, when you failed to reinvestigate an original dispute in the time allowed unlawfully adding time to do so is not acceptable. Accordingly, the appropriate response to each issue must be addressed. Lastly, the opportunity to make corrections when proof no investigation took place will be counterproductive. Make the changes.
Consumer complaint received 2016-01-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I called the bank. They told me I had fraud on my account, so they locked me out. I can not access my account funds to pay my Bills ( I even asked if I could just close the account ). Now every time I call they want to over authenticate me. I have told them that I would get on skype with them and show them my face and my ID ( Drivers license ) in person. I do n't trust their authentication methods to begin with because it seems that they failed to protect me when they where suppose to do so.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This that capital one credit card is not mine that was actually someone stealing my identity also the XXXX XXXX associates for XXXX XXXX whatever in XXXX that 's not mine either and there is also something right after that for some XXXX or something also in XXXX Louisiana that 's not mine either so those need to be removed we were hoping some kids get off the street and get back into the workforce and I was a victim of identity theft
Consumer complaint received 2015-07-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (DC)

This is a XXXX bill of which I have XXXX for the past 15 years. My insurance pays each year. The code used for this XXXX was incorrect according to my insurance. I informed the lab to change the code - they can also call my primary doctor if they need additional information. I have not heard from them for quite some time, so i thought it was resolved. Last month I got a call from a collection agency.
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I am the co- signer for my son XXXX XXXX private student loans. Over the course of time I sent money order payments in to pay off the loans I co-signed. I specified with the payments that they be applied to the loans I co-signed and to the one with the highest interest rate first. Some of the monies I sent was applied to other student loans that my son had which were Federal Loans and I did not co-sign. I did not keep good records of the payments I made and my son lost his job and stopped making loan payments. I have called XXXX XXXX and Navient numerous times to try to go over the payments so they could apply them properly. I have spent hours on hold waiting to get to the right person and then promised that they would get the information together and call me back but they never do. They have since sent the dept to a collection agency and they are calling me for payment. I am pretty sure that I have paid more than I co-signed for and I need them to give me the loan history so that I can tell them which payments I made that were not applied to the loans I co-signed. They have also reported to the credit agencies that I am delinquent and ruined my credit. I have a small business and rely heavily on my good credit standing to buy merchandise.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

There are XXXX accounts on my report that have passed the reporting time limit. The accounts are XXXX BANK Account no. XXXX and Account XXXX ... .. Charged Off. These accounts have been deleted off my XXXX and XXXX reports. I have contacted Experian by mail asking for these accounts to be deleted and they have n't. They would n't allow me to file a dispute case online indicating these items have disputed before.