davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MN)

Regarding : Wells Fargo loan # XXXX XXXX XXXX XXXXI would like to file a formal complaint against Wells Fargo to correctly report the loan so that there are no missing months of reported status on the HELOC loan. We have been told it is illegal for them to stop reporting on a loan. 

I and a friend/business partner had a loan from Wells Fargo on the house we purchased together. 

The house was sold on XX/XX/2015Wells Fargo has failed to report the status of a Home Equity Line of Credit ( HELOC ) to the XXXX credit agencies. 

I am now married and we are trying to get a loan to buy a house. 

XXXX XXXX XXXX XXXX, our lender, has discovered that XXXX XXXX mistakenly recognizes this lack of reporting to be the equivalent of " the property is now in foreclosure '' This Foreclosure flag on a lending application is denying us a clean ability to get a lower priced loan. 

The lending company, XXXX XXXX, has people that work directly with the credit agencies to clear up credit issues but in this case they are unable to simply correct the reporting issue. 

XXXX XXXX, the only lender that would allow us a loan without requiring mortgage insurance, has refused to recognize they can look into the matter and make the change. 

If Wells Fargo would change their reporting status, then XXXX XXXX 's automated system would no longer be fooled into " thinking '' that a foreclosure had ever happened. 

We will submit Please contact me right away and we can provideCan you please help? 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (TX)

I received a check in the mail during the XXXX  crisis and was already encountering a major loss so I thought I would be able to pay in a timely manner. I wasnt able to pay in a timely manner due to me having a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was major XXXX  and when I finally was able to go back to work. I called to settle account or possibly set up payment arrangement because I dont want anything to happen and my love ones are left with my debt. When I called to settle or inquire about payment arrangement, I was transferred to a XXXX who literally had me crying over the phone ; she threatened to have me locked in jail for getting a loan that I couldnt pay back. She called me a criminal and I have never in my life done anything criminally ; not even a speeding violation. I tried to talk and explain my condition but she showed no empathy and told me that they will not settle and would only offer me until the end of the month to pay the full amount or that they will take me to the court. XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; in which I had sXXXX XXXX XXXX. After this call, my XXXX got worse and XXXX finally able to write about the XXXX  I encountered with this company. This company used predatory practices to target consumers when they needed assistance during XXXX XXXX  ; charging ridiculous interest rates.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-04
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: CREDIT ACCEPTANCE CORPORATION (FL)

XXXX financed with Credit Acceptance. Paid 66 payment on time. Traded car to XXXX XXXX XXXX, who gave me an affidavit of payoff paid but they sent amount to wrong lienholder, XXXX XXXX XXXX. My credit report showed 30 days late, bringing down score XXXX XXXX XXXX sent letters to show their responsibility. Score still shows paid but 30 days late. ( am not responsible for this actin destroying my credit.I have tried to contact credit acceptance, XXXX, etc. ..no change. Credit ruined by XXXX XXXX XXXX XXXX XXXX ... Then, they tried to " fix '' the additional problem of elder abuse without " fixing '' it ... ..XXXX XXXX  fraudulently sold me a defective car as well, costing me {$2000.00} more and getting fraudulently getting {$2000.00} from me
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe {$160.00} with this company.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (OK)

I have followed everything requested by identitytheft.gov, sent and faxed letters of the requested information to XXXX XXXX, and this is still showing on my credit report. I did not take out a loan with this company, i gave no one permission to do so, and this is adversely affecting me personally. I would like this fraudulent information removed as XXXX is the ONLY company that i have contacted that has yet to do anything about the identity theft i am facing.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reached out to Bank of America on XX/XX/XXXX at XXXX XXXX  and spoke to a representative from Arkansas, I told him that I opened an account back in XX/XX/XXXX and the reason for opening an account was because it was advertised that there would be a {$200.00} credit on my account, if I were to spend {$1000.00} within 90 days ( according to the fine print ). I realized I never received it, after looking into my account and I spent that amount way before the 90 days, but it was not credited to my account. 
The representative mentioned to me that he couldn't apply that promotion because it was too late. I told him that promotion should be honored and that it was not my fault that it was not credited to my account. I asked to speak with a manager and his manager ( XXXX ) would not speak with me and would tell the representative what to say to avoid talking to me. I asked to speak with the manager twice and the representative made excuses for him. VERY UNPROFESSIONAL!! If this is not honored to my account. I will be escalating this matter to court. This is False advertisement and very misleading and Now I'm wondering how many people this has happened too??
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Accounts # 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 late for any purpose
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 late for any purpose
Consumer complaint received 2022-01-04
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. (TN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. XXXX XXXXXXXX was shown as charge off this account was never a charge off it was just a closed account that needs to be removed been its been on my account past 7 years.
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NC)

wells fargo dealer services was paid off in XX/XX/XXXX and they refuse to release funds mistakenly sent to them by XXXX XXXX in XXXX XXXX, nc by simply returning the check back to the dealer when they saw the account was closed ; instead they kept the funds and refuse to release them. 

I called in XXXX, XXXX and XXXX ; One rep said the funds was sent in XXXX XXXX the next rep said the same. the next rep said it was sent back to them for the wrong address on their file. the next rep said they didn't send nothing they don't have it. the next rep said they haven't released it and it will take 120 days and there is nothing I can do about it and go ahead and report it because there was nothing no one can do, it was their rules and they will wait for the complaint to come thru and they will tell regulations the same thing in a very snobby and boastful way. I reminded them I had the loan since XX/XX/XXXX and never had a issue giving you may money and was never late, now you want to behave like kids when its time to return money that doesn't belong to you, how rude. I will never get a loan from them ever again, they are the worst bank ever in this dept. 

I filed a complaint within their excecutive office XXXX XXXX and they haven't gotten a resolution yet... XXXX case number XXXX XXXX XXXX XXXX filed XX/XX/XXXX and they got back to me on XX/XX/XXXX Acct # /Loan # XXXX XXXX
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

In XXXX of XXXX I received a Wells Fargo checking account statement. I did not open an account with them myself, nor have I been a co-signer or joint member on any Wells Fargo accounts. I saw that there was no balance on said account. I called Wells Fargo immediately and was told that they would report it to their internal fraud dept and that I would receive a letter in the mail after about 30 days. The rep that I spoke to said that I should maybe expect another statement in the mail since they go out automatically but she assured me that she closed the account. It is now XXXX of XXXX and I'm still receiving checking account statements. Back when I spoke to the Wells Fargo rep I asked who opened this account and if I could have their email address. She would not give me that information which I think is wrong since it's my information they're using. I also never received said report about what fraud happened and am still waiting. This bank seems to be terrible and not have learned their lesson back in XXXX. I'm sending this in as both a complaint that somehow my social security number has been stolen and used to open a fraudulent account and also that Wells Fargo has not handled this appropriately at all.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-06-14
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: Santander Consumer USA Holdings Inc. (CA)

This Auto loan company showed up on my report and I asked both XXXX and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

I had a lawn care service with XXXX XXXX, during the course of the servicing period my lawn was not properly maintain, I was paying for weeds. I called the company several times complaining about the weeds, they did try to correct the issue but the weed problem got a little better, but I was over all not satisfied with the services. I called in and spoke with 3 representatives the first one told me that she would take care of the issue and cancel my services. Then I had another representative call me back and tell me that the first representative was not able to make that call, she also went ahead and said that I was moving which was not true and I never stated that on the call. I did not know if they were getting me mixed up with another client, so I asked to speak with a manager and she did call me back and said that she is sorry for what happened but I would still be responsible for the service that I was told was cancelled. She offered to split the fee with me, but I felt as a customer why would I have to pay for a service that I cancelled and it was not working. I paid my bill the entire time I use there services I also have neighbors complaining of there services as well. I was disappointed with the supervisor as she said well if you don't want to Pay I will take further actions. I was a client that always paid and asked for my services to be cancelled.
Consumer complaint received 2022-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

My spouse and I have had a VA mortgage with Amerihome since XXXX. We were listed as Joint Tenants on the deed. In XXXX of XXXX, my spouse passed away. In XXXX of XXXX, I refinanced the loan with another mortgage lender to remove my deceased spouses name from the deed and the loan. I paid the loan in full in XXXX of XXXX. There was an overpayment in the amount of {$5400.00}. I have been trying to recoup that amount since XXXX of XXXX. They sent me the balance in my husbands name in XXXX and I called and requested it be sent in my name since he was deceased and I could not cash it. They said they would. They then sent me the same check again in my deceased husbands name. I again called and said I needed it in my name, I could not cash a check made out to my deceased husband. They said they needed to make me successor on interest on the loan to make the check payable to me. I asked if we could start that process and asked for the documents needed. They requested my spouses death certificate, my ID, and a letter from the court. I submitted my spouses death certificate, my drivers license, and a letter from his estate naming me as the administratix. Later, they sent me a check made out to The Estate of XXXX XXXX. I called again and stated that his estate had been closed in XXXX and I could not cash the check and said I needed it in my name. They said they needed to make me successor of interest. I said I had already spoken to them about that and done what they asked. They said they didnt have enough documentation and the letter from the court wasnt sufficient, although I verified with the court and a real estate attorney that the document I submitted was the correct document to add my as successor of interest. At this point, I have called them every month since XX/XX/XXXX, and it is now XXXX. Every time I call im either told, the check is coming, or they dont have what they need and I will be asked for something new that was never requested prior. In XXXX they requested the current deed to the home to show I am the owner. I sent them - the Affadavit - Death of Joint Tenant ( by surviving spouse ) and the current Grant of Deed showing me as the new owner. I called on XX/XX/XXXX and the man I spoke with said they had everything they needed and I would be added and the check sent out. I just received a letter in the mail today, XX/XX/XXXX, stating they need the old deed showing us as joint tenants. I called and they are saying they can not add me as successor without that deed, although that has never been asked of me until now, they had possession of that deed the entire time they were the lender for the property, and they have the affidavit documents showing that we were indeed joint tenants and the property was transferred to me. At this point, I dont know what to do. It genuinely seems as if they are TRYING not to return my money. Please help.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Finance, Thank you for providing a place to which I can write!! I have been in financial XXXX about the replacement of my home destroyed by fire in XXXX. I paid my payments correctly until XXXX and XXXX! I have always been ahead of my monthly payments until XXXX when I decided to hold it because they were not processing my claim fast enough. I have paid XXXX and XXXX now but am still hurt, sick and totally frustrated with their lack of moving quickly. With the replacement of a Modular Home the foundation is completed and we are waiting for water and electricity after the house is in place. The outdoor porch room also needs to be completed but they are holding that money until the is done. I have spend over {$10000.00} in renting a place to live and I do have receipts! They promised us before XXXX but as we called today XX/XX/XXXX, we now will not receive it for 2-3 days! I also will not receive the full amount to complete porch until we go thru all of this again! I am tired and sick of waiting! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But this has been an amazing waste of my time. I am trying to file an complaint against NewRea / Shellpoint for their handling of this matter. We have spoken to almost I think all the employees, they do not allow one person to work on a case. So we talk and say the same speech every time we call. Rude, expensive, and not caring employees do not care about an XXXX XXXX XXXX XXXX WAITING!! Please file this complaint against the Mortgage Co. 
XXXX XXXX
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Account balance was approximately {$2100.00} as of XX/XX/2022. I made an online payment of {$500.00} on XX/XX/2022 to lower my account balance before the statement was generated on XX/XX/2022. The payment said it would post to the credit card on XX/XX/2022. The payment posted to my credit union checking account on XX/XX/2022. When I checked my statement it showed the {$2100.00} amount not reflecting the {$500.00} payment. I called Capital One and spoke with a representative and a supervisor. They told me they are having a system issue that is causing payments not to be reflective on statements. They dont know when this will be fixed. They said they are required to report accurately to the credit bureau, but they would not be doing so this month. They said I would have to call back after they fix their system and do an off cycle reporting. This seems like a violations of their legalities to customers and am I reporting this.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NY)

On XX/XX/XXXX, XXXX Ads fraudulently debited approximately {$1500.00} from my Cashapp account. I have on numerous occasions filed a complaint with cashapp regarding this matter to no avail. Cashapp is not responsive to this matter, it has been 5 days since this incident happened and still has yet to be resolved. 

* Under UCC 4-214, issued XXXX, I invoke my right to chargeback and refund this transaction. Furthermore, I would like to like to request a temporary credit if the dispute in question takes significant time to investigate.

The Reason for this Dispute is Fraud I do not recognize this transaction and have never authorized it. Pursuant to VISA Chargeback Code 10.4, I am politely requesting to dispute this charge and the issuance of a full credit to my account. I have attached additional details below on this matter.