davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NY)

While traveling in XXXX, I was at an establishment that in addition to the correct charges hit my card for {$3200.00}. I disputed these with Wells Fargo as I had not authorized any beyond the first and, after producing alleged " signed receipts '' that were nothing but a vague scrawl ( and note that the establishment had an actual copy of my signature to work from ), the bank denied the dispute. In addition, it is shocking that it was not detected as a possible fraud, as no activity remotely like this had never happened in the entire time I had an account at Wells Fargo.
Consumer complaint received 2024-08-28
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. (OH)

I have repeatedly requested in writing that XXXX remove XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX is not listed in the XXXX XXXX XXXX as having proper certification to collect debt in the state of Ohio which voids any contracts that XXXX has in the state of Ohio prior to certification. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Consumer complaint received 2024-08-28
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. (MI)

my information was used to open fraudulent account and inquiries was placed on my credit report these are the accounts that needs to be remove from my credit report. Inquiries 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 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 Please remove all fraudulent accounts and inquiries
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Frankly XXXXXXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXXExperian regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Experian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

Went court frederick hanna asociates got a judgenent consent for XXXX claiming to reprinting XXXX I never sen any documentation in court even though asked for documentation asked for settle for less would not and only can afford XXXX a month but charged XXXX my income is to low to pay this and never seen any documentation in court should have owed less never seen a signed contract from their attorney where I owed the debt I had been paying XXXX in the past now charg me XXXX. Though it wa violation to be paying before trial and all proof documents where in court have payed hanna over XXXX in past and do not owe the stated ampunt
Consumer complaint received 2015-06-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NH)

We modified our mortgage XXXX once in XXXX and again in XXXX. Somewhere in that process our current mortgage servicer Ocwen, ( who absorbed our previous mortgage lender, Litton Loan Servicing LLC ) lost documentation regarding those modifications and now claims we owe {$40000.00} and they have issued a lien on the title. 

Facts : We have documentation showing that Litton Loan originally purchased our mortgage from XXXX in XXXX. This mortgage was an " XXXX '' split, attached documentation shows Litton purchased both " parts '' of the mortgage. 

Between XXXX and XXXX we modified the loan with Litton because of inflated interest rates and a payment we could n't afford. the modification was completed and our mortgage was then placed with Ocwen as a result of the government shutting down Litton Loan for bad business practices. Litton Loan had a difficult time during this process answering our phone calls and responding to our requests for documents. 

Ocwen then odified the loan for us again after taking over for Litton because the property was not worth anything close to what was owed. In fact, at that time they forgave more than {$98000.00}. We have the XXXX cancellation of debt, tax information, forgiving that amount as proof. This was complete late in XXXX. Interestingly, Litton never issued this documentation to us, we did not realize this was a requirement they should have fulfilled until we received XXXX from Ocwen. 

During this time we have never been contacted by either Litton or Ocwen to say that we owed an additional amount of {$40000.00}. In fact, we specifically asked time and again if we would ever be attached the amounts forgiven in either modification, to which the answer was always " no ''. 

Ocwen also claims to not have certain paperwork that we have requested, paperwork that should have been record given to them when they absorbed Litton. 

Now, we have sold the property and are trying to close on XXXX XXXX, XXXX and need a discharge of debt because there is a {$40000.00} lien on our title, which Ocwen refuses to issue and claims they have no further information on. Their research department was being cooperative and about 1 week ago they stopped helping us. 

We therefore are requesting help in compelling Ocwen to issue a discharge of the {$40000.00} debt and are filing a complaint against the company.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

First my mortgageisnot behind and hasnt been behind for a while now. Since XX/XX/XXXX my payments to my mortgage company Ocwen has been rejecting my mortgage payments and treating me as if I am not making payments. I was first told that it was a NSF problem, I didnt investigate it because I had an issue in the past where I had to shuffle my accounts and paid my mortgage on the wrong checking account - I took responsiblity for that error and agreed to the fees, etc.. My account had gotten behind and I used XXXX XXXX get my funds to Ocwen same day and apparently that is the only way I can submit payments since XX/XX/XXXX ( so I learned yeserday ). I was never informed of that unitl XX/XX/XXXX. I have been told it was returned for NSF, then I entered the wrong check numbers ( when they dont even request check # 's online ), then I am using the wrong account number. I suggested several times to them to check and see if my account has any flags and it didnt matter because as long as I have been a customer of Ocwen for many years and XXXX thing is clear, the customer service team ca n't help anyone. I advised the company repeatedly that my account seems to be flagged for no online payments, and every customer service person I spoke to advised me that is not true and continues to advise me to send my payment XXXX or XXXX XXXX. It cost {$40.00} each time to send money, then I am taking on another nsf fee of {$37.00} and my credit score is impacted by being reported late which hurt me when I purchased my new car recently. I have never gotten an XXXX on the phone so I am not sure if there is a language barrier becaseu the urgency of my issue is not being acknowleged or what is the problem but I have been told they would escalate and get back to me, I have asked for managers and I have been lied to that they are transfering me to a manager and I spent XXXX minutes with another representative. I am out of almost {$300.00} worth of fees and then my credit score hgas been impacted as if i am not paying my mortgage, when in fact I am paying it and they are rejecting my payments. I can not go another month waiting for them to fix this issue, I just cant afford to pay XXXX again. I need to speak to a managment level employee to resolve this issue once and for all. I ned Ocwen to provide me the same information every time I talk to them and answer why my account information is not accurate. The customer service number is manned by mindless robots who can not assist real problems. I sent an email to relationship manager and several online emails o Obudsmen. with no resoltion. It is hopeless. Is there anything I can do about this?
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (DC)

My ex-wife and I refinanced our home in 2008, and I believe the appraised value of the house was inflated to get the loan approved. As a result, we have not been able to refinance since more is owed on the house than it 's worth. I have previously submitted a complaint here, but Wells Fargo did respond but could not do anything to lower the interest rate which is currently over 6.5 % I believe that I did n't include the key point that the mortgage broker that we originally used appraised the property at $ XXXX, which it never should have appraised for. Wells Fargo bought the loan, put it in their securitized mortgage portfolio and that 's where it sits. The loan is n't eligible for the government refinance programs out there because of this, and Wells does n't want to do anything to help us because they are making a ton of money. Is there any way to look at this from the appraisal perspective?
Consumer complaint received 2016-02-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC (NJ)

I signed a stipulation of settlement ( attached ) in XXXX of 2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On Saturday, XXXX XXXX, 2017, I attempted to access my online account with Bank of America because my payroll check was deposited on this day. I kept receiving an message that the account do n't exist. I contacted the bank and was told that my account was closed. XXXX ( not sure of the spelling ) said that BoA does not have to give me a reason why they closed my account. I went to the BoA branch on XXXX & XXXX ( XXXX, MN ) and the Bank Representative name was XXXX and I explained to him that I need my money so that I would not get evicted and medication. I explained to him what had taken place earlier on the phone. He called the department that closes accounts and they said again that they do not have to give me an reason and that they would my mail my money to me between 10 - 15 business days. Later on Saturday, a bank representative contacted me and I explained to her again what had taken place. She said that I should return back to the bank on Monday, XXXX XXXX, 2017 to see if I could withdraw my money. On Monday, XXXX XXXX, 2017, I went to the BoA branch in the XXXX ( downtown XXXX ) and talked with XXXX. XXXX looked at my account and said that was strange. My checking is closed but my savings was still opened. XXXX called the department that handles closed accounts and spoke with XXXX. XXXX explained to him that I needed my money because I had rent to pay and to buy my medicine. XXXX asked if I was given a reason why my account was closed and I told him no. XXXX told XXXX that my account was closed on XXXX XXXX and I said that I did n't not receive any notification that my account was closed. XXXX said that my payroll check was rejected and returned to my payroll dept. I said I received notification. I was told by XXXX that my account was a risk account and they were closing it. I received nothing from them and if I had I would have contact my payroll department and intercepted so that I would have money to pay my rent and get my medicine. I am very disappointed in BoA because I was give several different stories about my account and what happened. As of today, I have no money to pay rent and to get medication. This is a inconvenience and that I should have received some type of notification. If my saving is not closed, why ca n't I get my money out?
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

In reviewing a recent summary of my checking account at Wells Fargo, I found that I had been charged a {$35.00} NSF fee for a purchase made with my debit card for an amount that exceeded available funds. I DID NOT opt into the service that would allow this, thus the NSF fee was illegally charged to my account. 
I contacted Wells Fargo customer service after I 'd reviewed the most recent 18 months of transactions and found several such unwarranted NSF fees, and while they stalled in their reply and would only communicate with me via telephone, they finally and without resistance, refunded the fees. I then reviewed the entire history of the checking account going back to 2009, and found approximately XXXX such violations. These violations appear to be systematic and systemic, and there is certainly no way they were accidents. While I did receive a refund for all the charges, I am contacting you to report the illegal behavior. I believe it is likely intentional, institutional and ongoing.
Consumer complaint received 2016-11-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC (GA)

I VISITED TITLEMAX IN XXXX GA IN XXXX 2015. I SPOKE WITH THE AGENT ON DUTY IN REF TO PAWNING MY CAR TITLE. HE PROVIDED ME THE DETAILS OF HAVING A TITLE LOAN AND SO I PROCEEDED WITH THE LOAN. I WAS TOLD THAT MY PAYMENTS WOULD BE {$300.00} PER MONTH AND THAT IT WOULD TAKE 12 MONTHS TO PAY OFF THE LOAN. THE AGENT SECURED ME FOR A {$2000.00} LOAN. A WEEK LATER I WENT IN AND ASKED FOR THE REMAINING BALANCE I COULD GET AND WAS PROVIDED THE FUNDS, TOTALING {$2500.00}. I WAS TOLD THE PAYMENTS WOULD BE THE SAME, THE PAYOUT TIME FRAME WOULD BE THE SAME, AND ALL WAS WELL. THREE MONTHS LATER I SPOKE TO THE AGENT AGAIN ABOUT THE LOAN AND HE ADVISED THAT AFTER I HAD PAID {$1200.00} I HAD NOT TAPPED INTO THE PRINCIPLE BALANCE. ANOTHER AGENT HAD OPENED MY ACCOUNT AND ACCIDENTLY ADVISED ME OF THE ACTUALITIES OF MY LOAN. I HAD ANOTHER PAYMENT OF {$300.00} AND AFTER THAT ONLY ABOUT {$27.00} WOULD BE APPLIED TO THE ACTUAL LOAN. THIS IS NOT WHAT I WAS TOLD IN THE BEGINNING. THE FIRST AGENT STATED THAT I WOULD PAY A TOTAL OF {$2500.00} PLUS AN ADDITIONAL {$700.00} FOR THE INTEREST, WHICH WOULD EQUAL {$3200.00}. THE FIRST AGENT ADVISED THAT I NEEDED TO PAY MORE TO GET INTO THE PRINCIPLE OF THE LOAN AND ONLY THEN WOULD I BE ABLE TO ACTUALLY START TO SEE SOME RELIEF. BUT MY PAYMENTS WERE GOING TO BE HIGHER ONCE I TAPPED INTO THE PRINCIPLE WHICH MEANT MY TIME TO PAY OFF WOULD BE LONGER AND THEN THERE WOULD BE MORE INTEREST ADDED. I ENDED UP FILING THE TITLE PAWN UNDER MY BANKRUPTCY AND FROM WHAT I WAS TOLD THE DEBT HAS BEEN SATISFIED. I HAVE NOT RECEIEVED MY CAR TITLE AND IT HAS BEEN OVER A YEAR.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My interest rate is 5.875 and my balance is {$380000.00}. My payment should be {$2200.00}. They are charging me {$2900.00} per month. I called my mortgage company and they can not explain, I have to request explanation in writing.
Consumer complaint received 2015-12-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

I was sold a predatory loan ( 7.67 % compounded DAILY ) for {$100000.00}. I purchased the loan as Second Mortgage in 2006. It originated with Wachovia and was purchased by Wells Fargo. I have tried to refinance on multiple occasions but neither the XXXX Mortgage Lender will assist nor will Wells Fargo restructure my loan so that it is a reasonable interest rate or compounded Annually. In spite of the fact that I have managed to pay on-time and am current, no lender will refi me ( after XXXX attempts with XXXX different companies ) I am told this is due to Debt/Income Ratios that are no longer flexible. My Loan/Value is excellent ( XXXX vs. XXXX ). I can easily handle my mortgage if can REFI, but am struggling now ( selling assets and savings ) to make ends meet. This type of loan is unheard-of in the current market and may even be illegal under predatory lending laws. HOW CAN I REFINANCE with current laws as they are? I refuse to skip payments to become eligible for default status. But if I continue to operate under the terms of this loan, I will be forced to fail. I believe there are hundreds of thousands like me and the current laws are crippling my ability to pay at a reasonable terms and competetive rates. This is a travesty forced upon the American Public as a result, not of consumer behavior but the unbridled greed of large too-big-to-fail banking institutions. Where is the assistance for those like me. Wells Fargo is squelching my successful financial future without concern or remorse. I challenge them to give me assistance and they refuse. My hands are tied and failure is imminent. Being Self-Employed should be supported, and not punished. I am without recourse.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (CA)

I was a former Well Fargo Bank ( WFB ) Credit Card customer since XX/XX/2013, this card was marketed by WFB as a way to improve an individual credit score and the capacity to earn cash rewards for its use. The rates associates to this card were higher than other usual account but the WFB representatives reason on the offering that the rate did not matter because the opportunity to earn rewards was extensive. So I signed up for this card. I was used to making purchases with this card and the earning started to accumulate and when they started to reach higher and higher credit for the use toward me - WFB without warning, or ability to cash the rewards decided to cancel my credit card effective immediately without the opportunity to cash my rewards and they keep over {$300.00} in cash rewards that I had earned. I do n't dispute the cancellation policy but the cancellation without notice amounts to change of terms for earnings received and a taken. Other credit cards issuers like XXXX even after cancellation allow consumers the opportunity to cash their rewards even after cancellation of the credit card. 
Wells does not. Wells takes consumers monies by the enacting of this policy. Their policy is deceitful and its based on unfair business dealings.
Consumer complaint received 2015-08-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

I am filing a formal complaint about missing funds from my TD Bank Account. TD Bank did not post {$2000.00} from a federal refund to my checking account. However, they did post {$40.00} from a NYS tax refund. Instead of posting a refund, my account is missing funds. This is a clear violation of the Fair Billing Credit Act as well as other ethical business practices. For unknown, as well as unclear reasons, the XXXX Branch of TD Bank, located at XXXX XXXX XXXX, XXXX, NY XXXX, tampered with my account yet again in direct violation of corporate policy and US laws. It gave out my information out to third parties electronically in direct violation of company policies. Additionally, I am concerned with tampering of my checking account and savings account. TD bank also does not provide regular statements for Savings accounts. It only provides periodic documentation. It also does not take proper steps to investigate proper complaints from customers.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwestern Health Management INC (NE)

I have an entry on my credit report from Northwest Financial Services in XXXX XXXX, Missouri that stems from a medical bill from XXXX XXXX that was reading an XXXX on my XXXX XX/XX/XXXX. The original bill was XXXX and now they have increased it to over XXXX. This bill is past the seven year mark and they have been made aware of this but they state that they can report this for ten years. This is violation of FCRA. I have wrote letters, made numerous phone calls and always I am told that it remains fro ten years.