davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, however some still remain and those Equifax claims there not reporting on Consumer Report anymore but they still areFraudulent Inquiries still remaining -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -This inquires still remain in my credit report, I need them removed like the others.
Consumer complaint received 2016-02-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, XXXX WRONGFUL FORECLOSURE BANKRUPTCY - VIOLATION OF AUTOMATIC STAY ORDER sec. XXXX XXXX XXXX, XXXX XXXX XXXX, Attorney for ; The XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX United States Bankruptcy Court XXXX District of California C/o Hon. Judge XXXX XXXX XXXX Case No. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX XXXX : VIOLATION OF BANKRUPTCY CODE 11 USC 362 AUTOMATIC STAY NOTICE GIVEN TO ALL PARTIES AND THE HON. JUDGE XXXX XXXX XXXX It is known to me that the Attorney 's of record and purported successors-in-interest ( " Claimant '' ) have conducted an unlawful foreclosure sale of the subject property in this order, on XXXX XXXX, XXXX, approximately at XXXX XXXX. ( Exhibit A ) The Debtor ( " XXXX XXXX XXXX '' ) has diligently investigated several suspicious documents which were examined by the Secretary of State of XXXX, and where rejected for " Authentication '' issues which involve ( d ) ; 1. Notary Jurisdiction 2. Illegible Seal, and 3. Signature does not correspond to the one on the acknowledgment/XXXX submitted 4. The document has not been notarized according to the appropriate California Civil and/or Government Code. 
5. Jurisdiction ( XXXX ) - Is under review for criminal investigation regarding a Complaint filed against the " Trustee Deed Upon Sale '' filer, ( " XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX '' ) for Fraudulent Conveyance of title, amongst other new findings to be announced, under the laws of XXXX and XXXX. 
This Complaint has been filed against the Parties named above, and a pending complaint against the Attorney 's as follow ; 1. XXXX XXXX XXXX 2. XXXX XXXX Upon new information from the authorities, Debtor shall keep this Court inform of their findings. 

Sincerely, XXXX XXXX XXXX XXXX XXXX EXHIBIT A MAILING LIST : XXXX Attorney General XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX Federal Trade Commission Reference No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

I received a car loan from Wells Fargo Dealer Services in XXXX for a XXXX XXXX XXXX. My payment was {$380.00}. I was unable to make my insurance payments for 3-4 months in XXXX while I was unemployed. Even though I was not driving the car, Wells Fargo covered the car for those months. Ever since then, my loan payments have been {$390.00}. It 's been over 3 years now. I do n't understand how I 'm still being charged $ XXXX for 3-4 months insurance after I 've already paid hundreds of dollars. I do not trust Wells Fargo after the disclosure of their widespread fraudulent behavior. I believe that Wells Fargo overcharged for the insurance provided during the 3-4 months.
Consumer complaint received 2015-10-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Management Group, Inc. (GA) (GA)

Receivable Management Group , Inc. 
XXXX XXXX XXXX, # XXXX, XXXX, Ga : Agent XXXX XXXX, is doubling multiply provider accounts into XXXX account and listing as total debt under XXXX account, i.e. XXXX, XXXX XXXX XXXX statement dated XXXX/XXXX/15 {$560.00}. I called XXXX XXXX XXXX asking how can this be. They have no record of owing no more than {$39.00}.
Consumer complaint received 2023-07-29
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. (FL)

Dear Experian, 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. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

FirstMerit recommended that I turn on overdraft allowances to my account so that I can overdraw and they will let me but charge a fee. I did opt in for this. In their Online Banking, it talks about what a great program this is for you and why you should use it. They are just scamming people into entering a program to steal our money basically. I made a few transactions with my debit card and there were plenty of funds in my account to cover them. I then waited a few days and then withdrew {$140.00} at an ATM, knowing that I was going to use the program and overdraw my account and be charged a {$35.00} fee. In my Online Banking then, everything posted just fine. Every transaction that had been done days before the ATM withdrawal were listed and a positive balance listed after. Finally, another day later the ATM transaction showed posted to a negative balance. The following day I was charged XXXX {$35.00} overdraft fees totaling {$240.00} in a negative balance on my account. This is absolute robbery and they refuse to refund my funds for no real reason at all other than having had XXXX fees waived in the beginning of the year already. Those fees were done in branch error and were refunded because it was their fault. So no courtesy waiver was ever given to me, which this is n't even a courtesy waiver! They can not charge XXXX overdraft fees for XXXX overdrawn transaction that was done days after any other transaction and after their cut-off processing times anyway. It 's ridiculous to think that banking regulations would allow such a robbery from the public. But even so, the ATM withdrawal was days after anything else so it should have caused the only {$35.00} overdraft fee. I 'm more than happy to pay this fee, as I did withdrawal these funds in excess of my account balance. But I did this because the bank told me what a great opportunity this program was to be able to do that now and then. I never would have signed up if I knew they were using such deceptive processes, as to turn a {$130.00} overdraft done by XXXX transaction days after anything else into a negative balance of {$380.00}. I followed their recommendation and now it 's going to take my entire paycheck nearly and I do n't know what I 'll do when it should 've been XXXX simple fee since it was done so long after anything else and only XXXX transaction overdrew.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank Attn : XXXX, Texas XXXX XXXX Wells Fargo Bank Corporate XXXX, CA XXXX XXXX Re : XXXX, Estate of XXXX, Account no. XXXX Dear XXXX, On XX/XX/XXXX, my son XXXX opened what he was told was an estate account with your XXXX, Texas branch, XXXX, TX XXXX. After making several deposits and withdraws from said account, someone within your organization on XX/XX/XXXX discovered that the account was mistakenly opened by a branch representative from said branch, as a business account ; the result of said discovery lead to your organization freezing all account assets, totaling {$4800.00} ( please see attached bank statement ) On XX/XX/XXXX, your organization decided to close the account without ever notifying my son and or me. To this date [ XX/XX/XXXX ] we have never received the remaining funds in the account, nor were the funds returned to the bank they were collected from via deposits made to your bank. We have not received any explanation from your organization, other than an account named, " Estate of XXXX '' was mistakenly opened as a business rather than an estate account. 
During the past two years I have received nothing but lies from people in your organization, including the XXXX branch manager, XXXX. You are illegally holding money that belongs to the Estate of XXXX-my wife and XXXX mother. 
Despite numerous letters to your organization, we have received nothing but lies, including being told that your organization had no record of the account to the most recent lie, when I was lied to by XXXX 11 days ago that you would be " sending me a letter within 3-4 days. '' You are hereby notified that you have 72 hours to return our money, {$4800.00}. Your organizations prevarications and refusing to return funds that do not belong to your organization, will no longer be tolerated. Be assured that we are willing to go to whatever must be done to both receive the money you owe us and punish your organization for your dishonest business practices. 

Sincerely, XXXX, Texas XXXX XXXX XXXX
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

My bank statements clearly show that I paid my mortgage on-time each month, however ; America 's Servicing Company is reporting late payments despite several disputes in which I provided documentation to prove that my payments were on-time. I opened my bank account in XXXX XXXX and have attached the bank statement showing auto-deduction of my monthly mortgage payment in the amount of {$500.00} ( which included a small over-payment since my monthly payment was actually only {$480.00} ) from XXXX XXXX to XXXX XXXX, when the mortgage account was sold to another lender. I did not miss a single payment ( I even paid an extra {$500.00} payment in XXXX XXXX so it is n't possible that I became 30 days late in XXXX XXXX as shown in the attached credit report.
Consumer complaint received 2016-05-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (SC)

I 've been a Wells Fargo checking account holder since XX/XX/XXXX. Never 1 NSF overdraft, late payment, or negative notice on my account. Without notice or warning I learned today my account was put on hold for review on XX/XX/XXXX and will be closed effective on XX/XX/XXXX while I have no access to my funds Wells Fargo put a hold on my posted funds of over ( {$5000.00} ). This was all done with any explanation for the account closure. There is a rule in the law that basically says that when two parties are bound by a contract, and only one of the two has written the contract, then they MAY NOT interpret it to their own benefit outside the express written language of the contract. Wells Fargo has done just that, and they are now holding my funds. Please investigate. Attached is my XX/XX/XXXX to XX/XX/XXXX statement. Total account balance is {$5200.00} as of XX/XX/XXXX. 


Thank you, CF
Consumer complaint received 2016-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

XXXX transferred my mortgage to SPS ( Select Portfolio Servicing ). when the transferred what on process SPS sent a letter stating that they will honored all the payment, escrow account etc. However, the first thing they did they recalculated my escrow projection account increasing my payment in XXXX dollars even though the taxes this year in XXXX XXXX count went down XXXX dollars and my Insurance went down XXXX dollars. I contacted them requesting for me paying my taxes and insurance but I have n't received ant replied from them. Second that all the way they are reporting XXXX and XXXX made my score goes down XXXX points. 
I have sent letter and faxed as well but it seems like they are ignoring my requests.
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I can not get a tax form of mortgage interest paid out of Wells Fargo. Once you pay off a mortgage, your account number no longer works in their phone system. So you wait on hold to speak with a representative. Their phone hold " tune '' is designed to kill your will to live. I was told I have to wait 30 minutes. 

Update : I have now gotten to speak with a customer service rep. Once you payoff the mortgage, Wells Fargo will not grant you an electronic rights. So there is no way now to get statements other than to phone them and deal with the mortgage bureaucracy. Since my payoff occurred in XXXX of 2015, I will need their help getting mortgage interest payments made through early next year. 

The behavior of Wells Fargo is not up to the standards of the industry. I had another mortgage with XXXX XXXX and that firm allows me 7 x 24 to log in after the loan is closed to log in and download the critical information needed to deal with state, local and federal taxes. 

Wells Fargo -- having pocketed the interest -- should have more regard for the tax compliance burdens of customers.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Our complaint XXXX to the CFPB illicited an answer to our lawyer XXXX XXXX from the attorney of Nationstar, XXXX XXXX XXXX. This answer brought an other claimant to our Note, this time XXXX. It is as usual the same circular rhetoric not answering the question who is the REAL OWNER of our Note. It answers only the part of the servicing and their rights. Calling the number of XXXX, which they gave in the letter XXXX does not answer. Ask the question about your loan, they answer and forward you to a number which does not respond. As the Grantor/Beneficiary of the DOT, our question has been, who is the Holder-In-Due-Course of this alleged Note they are trying to foreclose on. 
The Lender on the DOT, which we the Grantor/Beneficiaries executed, did not declare a default. 
First of all, where is the Authority that Nationstar Mortgage LLC is the Servicer for XXXX? After all Nationstar Mortgage LLC, became the servicer XXXX XXXX, FIVE MONTHS after the last payment was submitted, as well as the assignment to XXXX was recorded XXXX XXXX, TWO YEARS later and again recorded to XXXX XXXX XXXX, FOUR YEARS later and they are the servicer? 
The fact that Nationstar Mortgage became the " Servicer? '' 5 months after payment was submitted makes them under 15 U.S.C 1692 a debt collector. After 90 days the Insurance which we the grantor/beneficiary paid for, satisfied the loan. Nationstar bought the loan as debt collector and is trying to collect a debt due to others. There is no authority from XXXX. 
Facts which Nationstar has used in correspondence, court arguments and it the CFPB, why they have a right to collect : # 1- XXXX XXXX is the Note Holder # 2- Nationstar Mortgage LLC is the Note Holder, evidence a Corporate Assignment by XXXX for value granting Nationstar the Note # 3- XXXX is the Note Holder in the letter dated XXXX XXXX, XXXX. 
NATIONSTAR MORTGAGE LLC needs to be investigated for fraudulent practices, including their lawyers.
Consumer complaint received 2016-05-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XX/XX/XXXX I got excepted into The Hardest Hit Program. UMAP ( Unemployment Mortgage Assistance Program ) /.MLRP ( Mortgage Loan Reinstatement Payment ). Therefore the MLRP paid out XXXX towards the past due amount of the mortgage.The loan funds can used to pay monthly mortgage, escrow expenses, property taxes, homeowner insurance.All funds will be disbursed by Florida Housing directly to the loan servicer on behalf of the homeowner. In addition current pending Litigation, including foreclose proceedings with the Mortgage lender and or other parties must return the loan to its original anoint. In my case XXXX Therefore the original loan has to be reinstated! Which at this time NATION STAR has not done so. 
Furthermore, UMAP pays out to the Lender on my behalf in the amount of {$1100.00} per month towards my monthly mortgage payments during the term of my UMAP assistance of one year. Nation Star has taken the Monthly payment and has applied for their legal fees in the amount of {$920.00} per month plus a charge of {$45.00} per month for Property Inspection. Which become a total of $ {$970.00} out of the {$1100.00} per month that is suppose to go toward a mortgage payment. Therefore according to Nation Star the payment that is left towards the Monthly is {$170.00}? Nation Star has violated the terms and conditions of the Florida Hardest Program. And state that I still owe them a balance due of {$34000.00} as per their XXXX/XXXX/2016 statement. 
Finally the topping on the cake. Nation Star was Foreclosing on me while at the same time try to get me a Loan Modification on the home. According to Florida State Law called " DUAL TRACKING ''. No Financial Institution can provide you a LOAM MODIFICATION WHILE AT THE SAME TIME, AS DOING A FORECLOSER ON YOUR HOUSE. 
And till this date, with countless calls to NATIONSTAR no ones has borrowed to assist me or do anything that they where suppose to do then they accept the payment from FLORIDA HARDEST HIT & gt ; XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-23
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. (FL)

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXXXXXX