davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Fraudulent accounts. 

There were numerous accounts opened for me without my authorization in the XX/XX/2015. At the time, and after a few months worth of transactions and fraudulent activity, I called and spoke to a representative that helped me close them. I did n't think too much of this situation at the time, but in light of recent news I will be scrutinizing that period of activity closer and looking for higher accountability and better options. 

I have a few of the banking statements from this period, but will be requesting a complete history as, curiously, the 2015 statements are not available online even though I marked this as my preferred communication method. Additionally, I will be gathering more information and reviewing this situation with friends and colleagues. And finally, to compound the issue, my personal information was compromised around this time and numerous credit cards were opened and/or manipulated without my knowledge or authorization. I ca n't say the two are related, but the timing is suspicious. 

XXXX
Consumer complaint received 2016-06-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern ; I file this complaint with the CFPB as I have exhausted every other attempt to rectify a great economic injustice, more accurately described as a deceptive ongoing theft, that I have been and continue to remain the victim of. This financial crime has, to this point, cost me in the neighborhood of {$300000.00} by my rough estimate but could perhaps be as much as {$500000.00}. As part of this complaint I will be asking Wells Fargo and its predecessors, the perpetrator of this deceptive economic deception, fraud, and financial chicanery to fully account for the amounts they have effectively stolen, and continue to steal from myself, and by extension my wife and children. 

I have documented the issues in this complaint in the attached document as not enough space is provided in this form
Consumer complaint received 2016-12-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

i fell behind on my mortgage due to a loss of income. i then contacted wells fargo to try and see what i can do to save my home. i have applied numerous times before to try and get a modification to possibly lower my monthly payment and interest rate and be brought current. NO ONE WILL HELP! i keep getting denied and this last time on XX/XX/XXXX they denied me bacause i did not have my income taxes done that i was not eligable and now i have a sale dat on my home on XX/XX/XXXX! I DO NOT MAKE SUFFICIENT INCOME TO FILE TAXES! please help me save my home!
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (LA)

There are XXXX items on my Experian Credit Report that must be removed this month in accordance with federal law. I filed Chapter XXXX bankruptcy in XXXX XXXX, and the seven year window tolled from that date. There must be no reference to any bankruptcy on my credit report after XXXX XXXX. 

Moreover, Experian acknowledges this via the link : XXXX Dear XXXX, A Chapter XXXX bankruptcy remains on your report for seven years from the date it is filed. It will be listed in the public records section of the report. 

Accounts included in Chapter XXXX bankruptcy that were current prior to the bankruptcy filing remain on your report for seven years from the bankruptcy filing date. 

Accounts that were delinquent prior to being included in the bankruptcy will be removed seven years from the original delinquency date of the accounts. 

In some cases, an account may be reaffirmed, meaning it is no longer part of the bankruptcy filing. Reaffirmed accounts will be reported just like any other open, active account. 

Thanks for asking. 
The " Ask Experian '' team
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (GA)

I have notified Southwest Credit System that I was a victim of Identity Theft and that this account do not belong to me. I provided XXXX with an Identity Theft Affidavit. To date, Southwest Credit System have not removed this account XXXX XXXX XXXX from my credit file. So, I am asking for your help in getting this matter resolved.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I made an EFT payment to XXXX XXXX servicing center for my XX/XX/XXXX Mortgage payment. They are a payment center for Freedom Mortgage. Freedom Mortgage says they did not get my payment and have called me every day. Every day I tell them it was sent and to please research. They say XXXX XXXX XXXX no longer services Freedom Mortgage and I am now past due. They have charged me a late fee and I do n't know what to do. they have been extremely unhelpful and continue to harass me for a payment I already made. I told them that if loan processing service no longer provides the service, they should have returned my money, but freedom refuses to help solve this mess.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

I completed an application for a modification with Carrington Mortgage Services XXXX XXXX. I received a call last week stating that they could not assist me because they did not find a hardship. The total loan amount on my mortgage is {$100000.00}. The value according to the comps in my area are {$40000.00} and XXXX has the value as {$62.00}, XXXX. This is indeed a hardship to be paying more for a house than it is worth. I have a conventional loan therefore I am ineligible for the HARP and I originally purchased the home after XXXX XXXX, XXXX. I purchased the home XXXX XXXX, XXXX. I have not missed a payment because I do not want to hurt my credit. I get the feeling that they want me to miss a payment to qualify for their program but I do n't want to hurt my credit. I want them to see the situation that I am in for what it is and provide a solution. I suggested that they lower the principal or at least give me a lower interest rate. Right now I am paying 5.5 % when FHA is between 2.75 and 3.65 % today.
Consumer complaint received 2024-10-30
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY (MA)

AMEX closed my account last XXXX, due to failed autopay since XXXX locked my account for no reasons. This is totally unacceptable, I had good history and relationships with AMEX. I have to options now, XXXX. Get my membership back by paying the settlement offer. XXXX XXXX XXXX off for the current settlement offer. I am not in the XXXX anymore so the credit score means nothing to me. Im settling this as goodwills.
Consumer complaint received 2024-10-10
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. (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 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

Hello, I am writing because the agency XXXX XXXX XXXX is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that XXXX is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted XXXX to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

Hello : I have been trying to get my credit report from the XXXX main bureaus, but the information does n't match in any of them, according to my bank, who was the one conducting the process of opening a line of credit. Can you please tell me how can I fix this problem?, for the record, I have not used my S.S. Number for any credit purposes.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am filling this complaint because I have been ignored by Experian. My request has been to be provided with documents that their company has on file that was used to authenticate and verify a bankruptcy account. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. This information does not belong to me and my continued requested for verification has not been fulfilled. 
I have contacted the county with a response that they never report to the bureaus. I 'm attaching all my requests that have been sent to Experian ( and ignored ) dated XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I 'm also attaching the letter that I sent to the county. Per Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. 
Please resolve this manner as soon as possible I have been dealing with this matter many months
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The presence of these accounts on my credit report has significantly affected my financial standing. I've encountered challenges in securing loans, obtaining credit cards, and even renting properties due to the negative impact on my credit score. The situation has also caused me undue stress and XXXX, affecting my overall financial well-being.
Consumer complaint received 2024-11-15
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. (IL)

I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.
Consumer complaint received 2016-12-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (LA)

Having financial hardship after XXXX, I fell behind on my Sears Citibank credit card. When I became financially sound, I negotiated a auto payment plan with Citibank 's collection agency. 

However, after a year of auto payments, unknown predatory collection company XXXX bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called Sears Citibank and said the debt was discharged. 

XXXX harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this summer I was wrongfully sued by a predatory law office XXXX who works for XXXX. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

My ex-wife and I submitted paperwork, back in XXXX 2016, to Ocwen requesting a short sale of our condo due to several significant, long-term hardships including divorce, relocation out of state due to a family hardship, increased mortgage expenses and high medical expenses resulting from an ongoing health condition. Shortly after our first request was denied, several additional major hardships presented themselves -- loss of renters in our property thus taking away a significant portion of income, job instability and a major salary reduction due to a severe company financial crisis. The new monthly salary, in its entirety, does NOT even cover XXXX of the mortgage payment! This does n't even take into account obvious living expenses and obligations that need to be made each month. Despite these additional hardships and our monthly cash flow being grossly negative, we were denied a second time. We clearly meet the guidelines defined by the XXXX Program and yet Ocwen does nothing but categorically deny our application and refuses to negotiate the short sale of our property. Taking all of our hardships we are faced with combined with our available assets having been all but depleted and our inability to make a mortgage payment for the last few months, Ocwen still makes the absurd claim that us defaulting on the loan is NOT imminent. Not only is a default imminent but the reality is that it is inevitable. Based upon our dealings with Ocwen, lack of communication and the ludicrous decisions we have received from them, we assert that Ocwen is failing to give credence to the information we are submitting and is operating directly against the XXXX program. Additionally, our divorce decree stipulates the property must be sold, thus Ocwen is forcing us to continue to hold onto a joint asset indefinitely and directly degradating a court order. It is clear to us that Ocwen is operating their business in an unethical and fraudulent manner and this needs to be addressed. We respectfully request this be reviewed and the Ocwen approve our short sale application.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I had a care credit card for dental service in XXXX. I signed up on XXXX/XXXX/XXXX for a total payment {$1700.00} an agreement to pay {$160.00} for 12 months ( no interest within the Promotion Period ) .with G.E. Capital. It is auto-pay from my Bank checking account. Everything was all set. I did received G. E. Capital 's payment confirmation regarding the transaction was done. Until last month I found out one transaction was n't recognized. it charged me monthly {$57.00} from Synchrony Bank. ( they take over G.E. Capital ). so they did keeping on charging me monthly since XXXX for 4 years. It is over {$2500.00}. when I stop payment on XXXX XXXX. They delinquent my account and place a collection agent. now they demand {$3000.00}. to settlement. I thought it is scam. It 's unfair. Please help me. 
XXXX ( XXXX ) XXXX or XXXX.
Consumer complaint received 2016-07-05
Product: Prepaid card — Payroll card
Issue: Fees — 
Company: Empowerment Ventures, LLC (CA)

Rush cards terms & conditions state that " # XXXX the combined total of combined transaction fees is limited to {$10.00} per calendar month '' I have been charged way more than {$10.00} in combined charges in a month. Also, they have broken their own policy rules that no ACH payments to bills ect can be executed. They have allowed ACH payments to process without my authorization or knowledge. 

Also, when I activated my card, I supplied a promo code that would credit my account an instant {$20.00}. I have not yet received that and keep getting denied when I call to request that be processed.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-09-06
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (TX)

Hello, I was a member of American Express Serve from XXXX up to today. They informed me that I no longer have an account with them following my dispute that they say was resolved. I had {$1900.00} on my account and went to XXXX XXXX/XXXX/XXXX to top it up to maintain {$2000.00} for my car payment. I received my receipt and saw {$900.00} on the new balance. This is not right I said. I went home and logged into my account and saw transactions to my account that I did not make or authorized. I contacted American Serve and made them aware of the situation and seeing these funds were on hold for payment ; I told the representative to stop payment as I did not authorize these. They said they would have Serve look into it and issue me a new card. I contacted Serve again and this time they stated I should file a dispute, which I did. The monies had finally went over to the vendors. I kept contacting Serve and was told that an investigation was ongoing and that if they felt I should receive the monies in the meantime while they conducted the investigation would be determined by them. I got the money which was {$1100.00}. Today I got email stating that their investigation was complete and that the transactions were authorized and they took the {$1100.00} from the account and closed the account. I called twice and was told this and that a check has been mailed out to me for the remainder on the account of {$900.00}. I am at a loss as to how to get my money back.