davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Focus Holding Company (TX)

I was a victim of identity theft and noticed a collection from FOCUS RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FOCUS RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Consumer complaint received 2024-08-23
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. (AL)

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had multiple late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following dates : XX/XX/year> & XX/XX/year>. Also this information is not consistent with all consumer agencies ; as XXXX, XXXX and EQUIFAX are reporting different information ; in regards corresponding months and the number of days late. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I have previously raised XXXX complaints and despite thing the last XXXX had been resolved the Company still have not sorted out the problem. The previous cases are below. I received a letter from Bay View dated XXXX XXXX XXXX advising that I would have a resolution by XXXX XXXX XXXX but it is still going on. I am able to send emails of all of the messages I have sent the company but they just will not respond to me. 
XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX
Consumer complaint received 2016-07-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

In XXXX XXXX, I entered a Stipulation Agreement with Bayview, the Trial Plan, as a condition for my Loan Modification. The stipulation required 6 monthly payments from XXXX XXXX to XXXX XXXX. They assigned my account to XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX called me to say that I had missed a payment and he needed copies all my bank statements and returned checks for my payments for XXXX, XXXX and XXXX. I sent the information to him and after reviewing it, he said that maybe it was an error by Bayview but that he will look into it. I asked that he sends me in writing confirmation that the issue was resolved. He never even sent me a letter that I had missed a payment, he only called me to ask for my bank statements. I left 2 voicemails and sent 3 emails to XXXX XXXX in XXXX and XXXX, he did not respond to any of my voice messages or emails. Bayview continued to send me monthly bills, and I continued to make my payments, sending them via certified mail, for XXXX, XXXX and XXXX. At the end of this Trial Plan in XXXX XXXX, I expected to execute the Modification Adjustment Agreement with Bayview. Instead, XXXX XXXX sent me a Trial Plan Default letter on XXXX XXXX, XXXX stating that Bayview will not offer me the modification because I did not make all of the required trial period plan payments. I responded to this letter on XXXX XXXX, XXXX via Certified mail to XXXX XXXX and the Customer Escalation at Bayview. In my response, I again sent copies of all my Trial Period payments, I sent copies of my unreturned emails and let them know that I have not heard from Bayview and have been trying to contact them since XXXX call in XXXX. As of today, XXXX XXXX, XXXX, Bayview has not told me what payment exactly I missed. They have not responded to any of my calls, emails, letters to inquire about this missing payment. XXXX XXXX sent me another letter on XXXX XXXX, XXXX with a RMA ( Request for Mortgage Assistance ) application package, to start the process all over again? XXXX XXXX has not returned any of my calls. I still do not know what payment Bayview is missing. I received a bill for XXXX and sent a payment for XXXX via certified mail to Bayview on XXXX XXXX, XXXX.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have reached out to these companies on XX/XX/2023 stating that this inaccurate unknow information is not mine and I need it deleted. I asked these companies to verify these unknown, inaccurate accounts which is to provide me the original contract or agreement with my wet signature, and the statements where they interviewed others who know me. It has been over 30 days and these companies are continuing to violate my consumer rights and ignoring my request. I have provided what is stated by law needed to provide my identity and that I XXXX XXXX is a real natural person. These companies are reporting new negative information every month which is illegal. These companies have caused me and my family financial hardship because they are illegally continuing to report unknown negative information on my credit report which has made it difficult to find a job, and place to stay for my family and I.
Consumer complaint received 2016-09-10
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I was a beneficiary on a trust held at a wells fargo bank in CA and somehow my sister was allowed transfer the entire trust of {$200000.00} into her personal wells fargo account and close the trust account 6- 8 years ago. I have contacted the attorneys in XXXX CA that were supposed to be handling the trust and they have not responded. I have reviewed the court file and no final accounting/ settlement or other court order was ever entered that would have given authority to either my sister or the bank to transfer this trust money into my sisters personal account. Somehow the bank made this transfer without a court order. In addition, prior to the illegal transfer of the trust money to my sister, I have information that XXXX names were added to the wells fargo trust bank account and that those XXXX individuals were paid trustee fees off of the trust bank account even though there was never a court order giving them such authority nor was there a court order directing the bank to add anyone to the trust account.
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

The loan originated XX/XX/XXXX with a principal of {$140000.00}. In XX/XX/XXXX the XXXX of XXXX loan modifications was granted by the lender. The pre-modification unpaid principal was {$140000.00}. The newly calculated unpaid principal became {$160000.00}. In XXXX XXXX the XXXX loan modification was granted by the lender. The pre-modification unpaid principal was {$XXXX}. The newly calculated unpaid principal became {$180000.00}. The bank has been contacted on multiple dates and included conversations with a variety of representatives from different departments. How can a loan origination increase by 28 % or {$39000.00} ( {$180000.00} - {$140000.00} )? Does a consumer have the legal right to understand loan calculations prior to approval? Is the practice of mortgage principal increases common with loan modifications? Is it legal? Or just unethical? What are the options for an equitable solution? The task of receiving answers to these and many other questions have been unsuccessful.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I started the refinance process on my second home with Wells Fargo in XXXX. As things were winding down to completion I contacted Wells Fargo XXXX XXXX XXXX XXXX ) in XXXX and asked, '' What will happen to my old escrow? '' I was informed that it would be rolled over into my new escrow. I was okay with that process. However doing closing as I examined the paper work I saw the escrow amount that I thought was being rolled over for me. Yet when I tallied all of my cost. I was paying into the initial new escrow account and it was being added to the closing cost which was added to my principle balance of my new mortgage loan from Wells Fargo. I expected the old escrow balance to be a reduction to my new mortgage balance because that was my money originally or be refunded back to me. I have been communicating with my initial Loan Consultant XXXX XXXX asking her for assistance in clearing up what happened to my old escrow balance. Her initial response was it was rolled over into my new escrow. She sent me an attachment to verify this. I informed her that the amount she was showing me I was repaying that as part of my new mortgage balance. My question was how can I be responsible for repaying for the use of my own money? I believe that should have been a credit. My consultant told me she would have someone else contact me to explain. One week later I sent her another correspondence via email asking for another contact person who worked with my loan because no one had made contact with me. She gave me XXXX XXXX XXXX 's name I have yet to hear from XXXX XXXX since I started to have questions concerning my old escrow. I started asking questions on XXXX XXXX, 2016. Since I did n't hear from XXXX XXXX I called and asked to speak to someone over closing. I explained to him the situation regarding my old escrow. He told me they would have XXXX XXXX and XXXX XXXX XXXX on the telephone together talking to me to take care of this situation. This phone call collaboration did not occur. One week later I received an email response from XXXX stating that the old escrow amount was deducted from the new mortgage loan in XXXX. I explained to Cigee that I made XXXX additional mortgage payments during the closing process, therefore my mortgage balance should have been reduced minus an additional {$300.00} dollars because I pay an additional {$100.00} on principle balance per month and that the numbers did not add up. I asked XXXX to send me documentation to show that my old mortgage amount was deducted from my new mortgage balance. This information documentation was not noted or identified in the paperwork I received during closing. It has been one week since I made my request to XXXX XXXX to have someone provide documentation to show my old escrow was deducted from my new mortgage balance or what happened to it. Why was n't that part of my closing documentation? I need someone over the closing department to contact me and to ensure that a situation like this is clear during closing or before.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (GA)

Radius Global Solutions is attempting to collect on a debt that they purchased from XXXX  XXXX. My RIGHT to privacy has been violated. I am requesting deletion of this account and to cease collecting on this alleged debt. I am requesting that this company cease and desist contact with me. see attached letter to this company.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (SC)

This is a continuation of XXXX # XXXX As of yesterday I received a letter from Wells Fargo stating that we said the consumer never provided services. This is NOT what was to them and this NOT what was sent in WRITING to them as well. It stated for me to call XXXX XXXX XXXX XXXX in this letter they sent me and to speak to a XXXX person XXXX for further questions and assistance. Called yesterday twice was told I would have a returned call by the end of the business day this did not happen. I called again this morning not at her desk. Nobody is willing to help us she does not return phone calls. 


We opened a business account at Wells Fargo, We used our debt card with XXXX logo for a purchase that turned out to be fraudulent. We received notice from them stating it was fraudulent. Then we were told our business account was opened incorrectly, and we had to open a new account. About 1 month after we were told that it was deemed fraud they came back and said it was n't. I talked to XXXX customer services, and their visa department got absolutely no where.
Consumer complaint received 2015-03-26
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (ID)

Navy federal credit union is attempting to contact not just me but finding ways to contact my family after I have asked them not to contact me after XXXX as I am at work. They have taken it to the point of contacting not just me but my wife 's XXXX father, my grandparents, and my father after I have provided them no phone numbers but my own and stated do not call any numbers but mine
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with Experian.com on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was a negative charge off my credit report. This was disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FBC MORTGAGE, LLC (WA)

I locked in a refinance rate of 3.875 % on XX/XX/2017. Underwriting complete, loan was preapproved. On XX/XX/XXXX I was told rate is going up to 4.125 % due to manual underwriting. Is this legal?
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo as mortgagee : I applied for modification, took nearly a year. The offer came back higher than my original payment prior to mod application They WF took a deferred second from a previous mod of $ XXXX plus and added it back into principal and tho the rate was lowered from 4 to 3.75 the additional principal obviously increased my payment I dont get where the RELIEF as in the word implies modification should increase my mo payment and WHY they would even think about adding back that large amount of money in my effort to seek RELIEF My PAYMenT WENT UP!
Consumer complaint received 2016-08-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (FL)

Several years ago, we opted into the XXXX program. 
A check was issued on XXXX XXXX, 2016 in my late husband 's name. Upon receipt of said check, I contacted XXXX XXXX. Per their instructions, I submitted proof ( Death Certificate ), of my husband 's demise. I was told that a check would be issued in my name in about 14 days. As of this writing, I have not received the check. Calls and email to them have been to no avail.
Consumer complaint received 2016-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (OH)

My sister-in-law and brother-in-law both received a call from someone claiming to be from ACM stating they have received a potential claim forwarded to them attached to my name and ssn. They want a statement from me. The lady said her name is XXXX XXXX and can be reached at XXXX, ext. XXXX. 

I have attached a recording of the voicemail left to my brother-in-law. Both calls to them were asking for me. My sister-in-law answered the phone but stated there was no XXXX XXXX at the number they called, which was her cell phone. My brother-in-law was in a meeting so it went to his voicemail. He never called back but forwarded me the voice mail recording which I have attached to this complaint. 

I do not know what is going on and this is the first I heard of this, but research has shown that this company has shady practices.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Charles Schwab has illegally interfered with my bank account deposit of {>= $1,000,000}. 

Yesterday we wrote checks against this large deposit. 

My car purchased Sunday ( XXXX XXXX ) on Sunday and wrote a $ XXXX+ to pay for it. 

These stockbrokers should be assessed a {>= $1,000,000} for this fraud.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (MA)

My banking XXXX had a glitch in the system which resulted in me having a negative balance of XXXX and I reported it multiple times and they told me it was a system glitch and it shouldnt effect me it would be fixed it was never fixed I talked to an agent on a live chat on XX/XX/XXXX and they informed me again it was a glitch on their end and I asked if they take my money at any point because of it will they reimburse me and they said yes, when I got paid on XX/XX/XXXX the app took my whole paycheck from me and when I called them and tried to report this they would NOT listen to me and gave me the run around and told me they would not give me my money back and I got a email from two people from chime stating it was a glitch and a error on their end and I contacted them again 24 hours like it said and they told me there was never a complaint / dispute filed when I did file one and my mother was also a witness to this
Consumer complaint received 2016-02-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TN)

My mother sent me {$50.00} from XXXX, MI, I went to pick it up at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX.The attendant behind the counter said that Western Union is requesting my Full SSN and that he could not complete the transaction until he had it. I know this is not correct, but he was holding my money hostage until he had my SSN. I 'm contacting your agency because I think that the store or Western Union is doing something illegal in this practice. The store also charged me an extra dollar before they gave me money. I called Western Union, but have not heard anything as of this complaint. Could you please find out why western Union or the store needed my Full SSN, and please help me get my dollar back. I 'm attaching a copy of the receipt from the store, thanks so much for your time, XXXX XXXX XXXX.
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX