davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (IN)

we internally refinanced with Oceanside Mortgage Company on XX/XX/XXXX. XXXX XXXX told us that the check we wrote for {$770.00} on the closing date would be for our XX/XX/XXXX mortgage payment. On XX/XX/XXXX I received a mitigation email saying that we had missed our XX/XX/XXXX mortgage payment. After calling XXXX back they said that it would be taken care of and they would apply the funds to our mortgage payment. That was not completed. Today I have spoken to XXXX in customer service, XXXX XXXX, and a man by XXXX XXXX. XXXX and XXXX XXXX could not figure out what happened or where our money went. XXXX XXXX told us that our escrow account was short, and that they had take n the check we wrote for {$770.00} to our escrow account and that we 'should have known ' that were going to owe for XX/XX/XXXX, when XXXX XXXX told us that was what we were paying at closing. They have now said that they will " try '' to remove any bad marks from our credit report. and " try '' to remove any late fees. They were not helpful, and basically told me I needed to Pay XX/XX/XXXX, and did not take any repsonsibility for what their loan officer, XXXX XXXX, told us. I feel taken advantage of, like I was liked to just so he could close a deal. I have spent over an hour and 15 minutes on the phone with this company today, and was transferred 3x.
Consumer complaint received 2023-08-02
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)

I value your help to CORRECT a portion of the data in my credit file, yet I have an items passed on that should be investigated. Per FCRA you are expected to update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX, I received a XXXX, Cancellation of Debt form from The XXXX XXXX XXXX. That year I paid taxes on the " cancelled '' {$21000.00} debt as required by the IRS. Today I discovered that, although " cancelled '', the debt remains on my credit report for 7-10 years. WOW! ok so I 've paid taxes on this debt as income and I 'm still held responsible for the debt - something that no one at the Bank ever mentioned. So what were those taxes for? I did n't get income and I still owe the money. When I received notice of the XXXX I was relieved, but called to make sure that it was real. The Bank XXXX XXXX XXXX XXXX XXXX told me that they had decided to get the debt off their books and stop spending money trying to collect it. I 'm female and XXXX XXXX XXXX, XXXX and I do n't make enough to pay my bills. I have n't had a full time job since XX/XX/XXXX ( not for lack of trying ). I 'm not proud of having that amount of debt and have not debted in many years ( the debt was from several years before XX/XX/XXXX ). I just thought that Cancellation of Debt was cancellation of debt. Its a shock that it 's not that at all. Can you help? Thank you.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I paid with Venmo {$2500.00} down payment on XX/XX/2023 for windows replacement for XXXX windows in my house to a repair man. I toggled the purchase protection option to protect me from scams. However, when I finally realized I was scammed and no service or product was delivered 3 months after I put the down payment, I contacted Venmo to get my money refunded on XX/XX/2023. They denied my request stating that the purchase protection feature was never activated. I am very confident I toggled that feature as I was deliberately trying to protect myself when purchased the windows and I informed the repair man that I was using that Venmo feature. 
I later found out that many people on online ( XXXX ) forums have had this problem too with Venmo!!
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2017-04-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

Regarding home equity loan #  XXXX , I am forced to file a second complaint as only part of the issue has been resolved. Specifically, I was charged excess interest, inappropriately, and despite my repeated attempts to get acknowledgment and reimbursement of the sam e, Citibank has  been silent in any and all written communications on the subject matter. Per the attached docume nt ( mo nthly statement for the period between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  ... the last statement ), I was charged {$44.00} for interest at 2.49 % for the 17 day period between  XXXX  and  XXXX . The loan was fully repaid, however, on  XXXX  ( per  XXXX  's automated system of which I just received confirmation again today, after speaking with another Supervisor -  XXXX  - who told me she had to start the dispute process all over again  )  ; hence I am due about {$25.00} back. I had disputed this along wi th Citibank 's charge of a county re cording fee for {$350 .00} (  of which I was never advised, notwithstanding their statements to the contrary wherein they claim they advised the third-party financial broker who was helping to complete the wire transfer in satisfaction of the full pay-off amount that Citibank had mandated, without any details as to what that was composed of ), which they have now refunded, but the excess interest charge was wholly ignored ( ag ain ) in their resp onse, as was the requested explanation of their course of action ( now and on a go-forward basis to prevent a recurrence of these types of errors, which unfortunately have been the norm rather than the exception in my dealings w ith Citibank on t his loan, going back to the loan 's inception and in between then and now  ). T he statement ( their statement ) and the math are both crystal clear - this wrong seems wholly indisputable and I am at a loss as to what else I have to do to get back the monies that I was charged in error ( and seemingly illegally ). I should be due interest for the four months that have now passed in trying to get this resolution ( and so it would seem that the {$25.00} suggested reimbursement amount would more appropriately be something like {$380.00} based on the referenced interest rate, with accruals continuing until the indisputable claim is fully satisfie d! ). As  such, I would be grateful if you would file a second complaint in the hopes of  getting Citibank t o formally acknowledge their error and provide me with adequate restitution of monies owed to me. Additionally, if there is another regulatory body that should be made aware of this ( seemingly egregious conduct and shirking of responsibility ), I would appreciate you passing it on to the m (  or, alternatively, providing me with the requisite contact information so that I  may do  so ). Thank you in advance for your assistance.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2018-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Genesys National Recovery, Inc. (PR)

I signed a contract with XXXX XXXX XXXX on XX/XX/XXXX. The contract was for 36 months and it was checked with a NON-RENEWAL AGREEMENT. After the 3 years, in XX/XX/XXXX, I was done with the gym and thought that was the end of it. But XXXX XXXX   XXXX wanted to keep charging me alleging that it was a 48 month contract. After sending evidence proving them wrong they stopped calling to harrass me. But 2 years later, in XXXX, I got harassing calls from Genesys Recovery debt collector. I explained to them that they were mistaken and that my case had been resolved and that I paid my 3 years as stated in the contract. But they kept on harassing me over the phone and never gave me written notifications that I demanded from them so that I could see what prove they had that I owed XXXX XXXX   XXXX any money. They stopped calling again after I sent a copy of my contract, again, to XXXX XXXX XXXX. On XXXX I began to get calls, once again, from Genesys Recovery employees. The last call I got was on XX/XX/XXXX, it was from a men stating that he was and employee from the Department Of Justice saying that I had been sued by Genesys Recovery for breach of contract. It was very strange that this person called me on a Saturday from a cellphone and didn't give me his name. I thought to myself that this wasn't the correct procedure to inform a lawsuit. When the men asked me my postal address I hanged up because it became obvious it was a scam. I called the Department of Justice on XX/XX/XXXX to inform them of this situation, that someone was impersonating a public government employee and they also verified that it was all lie and that there wasnt any lawsuit against me. The lady told me a government official would never call anyone to inform a lawsuit. I hope others can benefit from my experience and that the CFPB can help in this matter.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

Again I come with the continuinf complaints against Ocwen and  XXXX   XXXX .   yesterdays complaint by you came in part from my complaints, I have a hearing on  XXXX   XXXX  where  Ocwen a nd  XXXX   XXXX  will try to sell the home from a bogus orde r in  XX/XX/XXXX  that the  court can dismiss or this complaint of yours can help.i am filing a copy to the court today, but can you aid me in this as I am the guy who helped create your office.The  XXXX  loan was a fraud, and the dox went into  XXXX  trusts! they are RICO and want help
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I have brought  to Wells Fargo attenti on a fraudulent act that is on my loan. I am the owner of the property and  XXXX   XXXX  was also a named person on the deed. After I filed a compla int, Wells Fargo issue d a new loan number and informed me that nothing had changed from the old loan to the new loan. I have requested proof of all the closing documentation, warranty deed, deed of lot  XXXX  and lot  XXXX  that was used as collateral on Loan number  XXXX . All correspondence from  XXXX   XXXX  regarding my loa n. Wells Fargo is g iving the new loan information to others without my permission. I am concerned because  XXXX   XXXX  said  XXXX   XXXX  is dead. In the event of my untimely death due to corruption with my property the  XXXX  County property tax department shows that my property is in the name of  XXXX   XXXX   XXXX  which  XXXX   XXXX  is aware. I have faxed proof of other clients who says  XXXX  and Company is corrupt but  Wells Fargo b ut I have reason to believe that  XXXX   XXXX  have been speaking with  XXXX  attorney against me. Wells Fargo says the property belong to  XXXX  which is corruption and extortion. This is fraud. Escrow is being attached to my loan with vendors I have not signed or authorized to escrow my loan. If I try and get insurance on my loan I can not because  XXXX  County have the property in someone else 's name and  Wells Fargo  ignores. I am the second position on my property.  XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX .  XXXX   XXXX   XXXX
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

My bank account was closed with Wells Fargo due to fraudulent investment of {$3500.00} from a employer on XX/XX/XXXX. They gave me a new account then proceeded to close my credit card account that had an XXXX debt around XX/XX/XXXX without giving me any notice until XX/XX/XXXX. Since the closed my credit card account its been reflected on my credit reports and effected my pursuit to get any new credit card accounts.
Consumer complaint received 2024-10-07
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: Resurgent Capital Services L.P. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXXwo parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/XXXX, there was a fraudulent attempt to cash a check ( # XXXX for {$2000.00} ) that I wrote to the company that manages the property where I lived in XXXX for rent for the month of XXXX of that year. Wells Fargo contacted me in the following weeks about what they suspected to be a fraudulent attempt to cash the check, but because of Wells Fargo 's history with phone scams I elected to contact my own bank XXXX XXXXXXXX XXXX XXXX to settle the matter. I filed a claim regarding the matter ( as my landlord claimed to not have received the funds, and he normally deposited checks with XXXX, not Wells Fargo ) in XXXX of XXXX I supplied all necessary affidavits to support this claim by XXXX of XXXXXXXX and was told this may take up to 120 days to process. There are records of mine that were uploaded into their system on XX/XX/XXXX, which at this point is still over 120 days in the past. In attempts to have XXXXXXXX XXXX release these funds to me, they have informed me ( the person working on my case through the manager of a branch closer to where I live now ) that they are unable to give me the funds because Wells Fargo is refusing to respond to them in regards to the claim.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (CA)

I saw a photograph scanner advertised on XXXX in XX/XX/XXXX. I ordered the scanner for {$300.00} and I was told by the merchant it was a special program in cooperation with XXXX for a low price and to buy an XXXX gift card for {$300.00} and use this for payment. I bought the gift card and paid for the scanner. It did not arrive and after two weeks I contacted XXXX about this. They said it appeared to be a scam, despite being listed on XXXX and they refused to accept responsibility for the fraud. I had charged this to my credit card " XXXX XXXX XXXX '' from U.S. Bank, ending in XXXX, believing their advertising claims that this card would protect me from fraudulent transactions. They have denied this claim for {$300.00}, which appears to be a breach of their contract with me.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My landlord was attempting to cash a check that I had written to him. Per Bank of Americas automated process I was contacted via text message and email asking to verify that I had written this check. 

An email I received stated that I had until Friday, XXXXXXXX XXXX XXXX EST to verify the check. 

I also received a text message on XXXX XXXX XXXX XXXX stating that I had until XXXX XXXX  the next day ( which means it would be due by XXXX XXXX EST XXXX ) again, confirming what was written in the email. 

I verified the check at XXXXXXXX XXXX XXXX. I was then instructed to contact Bank of America, which I immediately did. I was told by both the customer service representative and her supervisor that it was my fault that I did not verify the check sooner and that there was nothing they could do as the funds were already being re-deposited into my account. When I explained to them that there was written documentation/proof/instructions that I had until XXXXXXXX XXXX XXXX XXXX they did not care I did not provide me a solution. They kept reporting that I had received a text and email which again, I confirmed that I had. I employed them to understand that the content of the messages I received gave me instructions to follow which I did bye-bye. They again, told me it was my fault and could not provide an explanation as to why following their instructions was my fault. 

This caused my check to bounce and leave me in poor standing with my landlord. I did not do anything outside of following the written instructions. I was provided multiple times by this institution. And when I abide by the rules, they sent me I was still told that it was my fault. 

I dont feel safe, dealing with a financial institution that doesnt adhere to the written instructions ( that are legally binding ) they provide their customers and plays with their money however they seem fit.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I looked at my report back on XX/XX/year> and noticed some things were incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX  XXXX XXXX XXXX- under Balance and Amounts- Date of First Delinquency- " {$13.00} '' This is inaccurate information. This account is not accurate XXXX XXXX XXXX XXXX- under Balance and Amounts- Date of First Delinquency- " $ XXXX '' This is inaccurate information. This account is not accurate XXXX XXXXr XXXX XXXX - under Balance and Amounts- Date of First Delinquency - " {$53.00} '' This is inaccurate information. This account is not accurate XXXX  XXXX XXXX XXXX - under Balance and Amounts- Date of First Delinquency- " $ XXXX '' This is inaccurate information. This account is not accurate XXXX XXXX XXXX - under Balance and Amounts- Date of First Delinquency- " {$1300.00} '' This is inaccurate information. This account is not accurate XXXX XXXX XXXX XXXX XXXX XXXX- under Balance and Amounts- Date of First Delinquency- " $ XXXX '' This is inaccurate information. This account is not accurate XXXX XXXX XXXX XXXX- under Balance and Amounts- Date of First Delinquency- " {$700.00} '' This is inaccurate information. This account is not accurate Improper use of credit I was never late nor authorized the accounts listed below. Please provide documentation showing proof of transaction showing I was ever late to support the inaccurate reporting on my account. If this can not be supplied, please delete these off of my credit report. These are invalid late payments. 
The FCRA allows 30 days for this to be rectified. 

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