davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

last 2016 I made 2 payment in the month of XX/XX/XXXX to XXXX XXXX XXXX ( XXXX ) AND ONE OF THE payment was designated to my principal even though I specifically instructed it to be paid to my loans for the month of XX/XX/XXXX and XX/XX/XXXX.That same month the loan was sold to Bank of America and was n't  recorded. now BofA records shows that I am behind by one month and I am been charged for late payment. Also, the month I paid for was retracted and made to cover the ate charges and now I am behing by 2 months. I have spken to them over 20 times and still was told to send information to the bank and it will be looked into but nothing and nw I am been reported to the credit bureau and foreclosure sent to me
Consumer complaint received 2021-12-28
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: WSFS FINANCIAL CORPORATION (MA)

I Cosigned a mortgage with my XXXX  There was fraud on behalf of the mortgage broker. ( Who went to XXXX ) He said my name would be off the loan in six months. It was not and years later in XXXX the loan was modified. However, my name remains attached to the mortgage. I have never lived at the address ; I have never paid the mortgage. In the last 7 years my XXXX  XXXX XXXX who lives in the home has paid the mortgage on time each month. He has the finances to continue. He bought the house he lives there. He should be getting the credit for paying the mortgage on his credit report for the last XXXX years. The loan should be in his name only. WSFS XXXX XXXX and their servicer XXXX should correct this. It would be easy way to settle an ongoing financial problem. It would be the right thing to do. XXXX XXXX
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Residential Credit Solutions, Inc. (TX)

I had a mortgage with Residential Credit Services, the loan was forclosed in XXXX 2010. The home was vacated and returned to the bank. Since that time, I have submitted more than 5 requests to correct the credit file report to XXXX. RCS will not update the account status and continues to show the account as open with a balance owing of {$110000.00}. The same report to XXXX indicates a closed account with a XXXX balance owing ...
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NJ)

Although my payments are exemplary and so is my credit history with American Express, they continue to bully me through emails to increase my payments to them. They threaten through emails to not approve further purchases if I do not pay more toward the card. I have several cards including a XXXX XXXX which they recently sent me a letter to cap spending. I do not have a problem with that but I do have a problem when I have {$1300.00} available credit and I receive a threatening email from them to not approve further purchases. I also have a small consulting firm with an Amex card paid in full each month. The harassment has become intolerable. Although I have used their tools to manage these emails, they must have me on a list of their own and I am unable to stop these emails. If I send them a letter, they retaliate in some way to make use of my cards almost impossible without receiving their nasty emails asking me to pay more or threatening to not approve charges. All of my cards are in good order, paid on time.
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LendingPoint Holdings LLC (GA)

Was approved for a loan XX/XX/XXXX. Told until I had Till XX/XX/XXXX to give proper account information. Proceeded to give misleading and false claims or promises. Its on a recorded line that I was Promised my money would come through if I gave Them proper banking information. They now have four different accounts of mine theyve received information for and will not give me my money. Theyve been accruing my financial information and I have concerns they will abuse it. Theyve swindled numerous people into getting their credit pulled then prematurely throwing out applications just to get their bank information
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (FL)

Dear CFPB, On XX/XX/2023 I mailed a check of US {$2000.00} with a letter to my mortgage company Selene Financial to put to my principal balance only. On my XXXX statement I found out they did not carry out my wishes. Not only did they misappropriate my money but they added a late payment fee of US {$31.00} ( this rescinded after a call ). Please note my account is on automatic payment from start of my loan. 

For three weeks and counting I have made many calls to the company. Only excuses and promises given to me and the issue has not been resolved. Please help me get this issue sorted out as soon as possible because SELENE Financial is getting my monthly payments on time. 
Thank you.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I opened a complaint with CFPB about Navy Federal Credit Union. I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account XXXX ending XXXX. This account was closed by the bank due to none payment/nonactivity. NFCU has committed fraud. As of the date of the first complaint # XXXX, NFCU completed XXXX Unauthorized electronic fund transfer, as described in XXXX CFR XXXX ( m ), in the amount of {$2200.00}. I sent NFCU a letter revoking any POA that they have had on all of my accounts and they received it on XX/XX/XXXX, I have attached the letter to this complaint. 
On XX/XX/XXXX another complaint was opened on my behalf by the XXXX XXXX XXXX XXXX, XXXX Assistance XXXX, it stated everything that I put in my original complaint that was filed XX/XX/XXXX. 
On XX/XX/XXXX NFCU did another Unauthorized electronic fund transfer in the amount of {$800.00}. These actions are a clear violation of Special credit card provisions, as described XXXX XXXX XXXX XXXX credit card provisions. ( d ) Offsets by card issuer prohibited ( XXXX ) General rule. A card issuer XXXX not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer., which is fraud. When I spoke to someone on XX/XX/XXXX, I was told that that I had been refusing to pay the balance, which is not true. I spoke with XXXX different XXXX letting them know what the situation was and that I was waiting to get a response from NFCU, once my complaint was completed, we could discuss the alleged debt. The times that I spoke to someone were supposed to be on a recorded line and I have been trying to get a copy of the recordings to prove that I was not stating I would not take care of this alleged debt. They have lied and committed fraud more that XXXX times in my accounts alone. I am sure that this has happened to other people and this is not right. They have also committed fraud as described in XXXX XXXX XXXX XXXX ( b ) ; XXXX XXXX XXXX ; XXXX XXXX Code XXXX and several others that I have not mentioned. 
The original claim was opened almost XXXX weeks and 2 days ago and I have not received any response/resolution for this matter. This is the last complaint that will be filed before I start litigation. I have attached all of my supporting evidence.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is reporting the days incorrectly it should be 30 60 90 120 but they have it wrong XXXX XXXX XXXX XXXX XXXX XXXX can they explain this heres their payment records which look up to date to me no late i have included payments from their website i see no descrpcies for dates listed
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC on behalf of XXXX XXXX is attempting to collect money I do not owe ... I received merchandise that was broken, missing parts, and looked to be used ; merchandise was returned to XXXX yet my account was never credited for the return ... I've made many attempts to contact XXXX & XXXX to resolve the issue but they are unattainable, with Customer Service being non-existent... I am not, will not, absolutely won't pay a dime I do not owe and fully intend to pursue legal action if these three companies ( XXXX*LVNV FUNDING LLC ) can not resolve an issue not created by me... I've attempted to find legitimacy in LVNV FUNDING LLC that proves they even have the legal right to do business such as they are, but that was to no avail so I have no idea who these people are who have my information ... Bottom line I DO NOT OWE SO I WILL NOT PAY ...
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (FL)

A Chime account was fraudulently opened in my name. I have tried to contact the company by phone but am unable to reach anyone and their automated system cant address this or take a report of any kind. I only know of the account because I received emails saying an account had been opened and then emails stating phone number and email have been changed.
Consumer complaint received 2015-04-02
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

Purchased my home for XXXX in XXXX/XXXX/XXXX and Wells Fargo has my mortgage loan. Interest rates were above 5.75 % and in XXXX was able to refi at XXXX. I was told it was under HARP? Now, that rates have dropped again ; I contacted Wells Fargo and an agent quoted me 3.87 % on XXXX/XXXX/XXXX ; loan balance was XXXX. After turning in numerous documents, tax reports etc., I was denied due to " debt to income '' being above XXXX %. The loan payment is {$1600.00} and the balance as of today is {$290000.00}. PAYMENTS HAVE NEVER BEEN LATE. PROPERTY TAXES HAVE ALWAYS BEEN PAID ON-TIME. PROPERTY VALUE IS XXXX. My income comes from Social Security, XXXX XXXX and City of XXXX thru XXXX XXXX who handles my required minimum distribution ( RMD ) which this year was $ XXXX+ with a balance of {$98000.00}. I showed proof of ability to increase my income by increasing the XXXX but was denied. By lowering the interest rate from 4.75 % to 3.87 % INCREASES my income by $ XXXX+ monthly. Please help. The major negative in my credit is a " shortsale '' of a Florida property that I bought in XXXX with XXXX ; that turned out to be a MAJOR financial loss for me. The property sold in XXXX. I DO N'T WANT ANY CASH OUT!
Consumer complaint received 2021-12-28
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX, and so on.
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, a natural person and the original creditor of an open-end credit plan, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (OH)

On XX/XX/2020 I ordered a free coin from XXXX. The fine print of that order indicated I would be purchasing a second coin for XXXX. When they told me I now owed this money I told them I didn't want the item, they sent me packaging to return it and I mailed it back to them. I never heard from them again until this year when nationalrecovery.com debt collection agency claims I owe XXXX  XXXX  XXXX. I have reached out to the XXXX XXXX via email multiple times and they will not respond to me at all. I am XXXX XXXX XXXX and believe they are trying to take advantage of me because I ordered this on the phone and I don't know what to do.
Consumer complaint received 2016-08-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

Good Morning, I would like to file a complaint against Wells Fargo Dealer Service : Account # XXXX Collateral : XXXX Toyota Camery Amount Paid : {$9200.00} Wells Fargo Dealer Services was paid in full by XXXX using Draft # :XXXX and mailed to Wells Fargo Dealer Services via XXXX XXXX on XXXX XXXX, XXXX by XXXX. Customer Receipt # : XXXX XXXX XXXX XXXX XXXX. This was signed for upon receipt at Wells Fargo Dealer Service Payment Center at : Wells Fargo Dealer Service ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Proof of tracking of payment via USPS tracking # : XXXX, which was received on XXXX XXXX, XXXX at XXXX 
This is destroying my credit as they have reported " Non-Pay '' for almost a year now. 
Please take this off my credit report. 
Sincerely Submitted, XXXX XXXX
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

This is a continuation of a complaint # XXXX, The account was supposed to be closed by Wells-Fargo but today I received a statement fomr them showing that the account is still open with a zero balance. The WF account number is XXXX. Rtg # is XXXX. 

To reiterate the previous complaint, I did not open this account and did not authorize Wells-Fargo or anyone within their company to do so. I became aware of this accounts existence when WF sent a debit card to me. Since a debit card is of little use to a scammer unless some unsuspecting person deposits money in the account, I believe this is an extension of WF 's history of opening new accounts to receive bonuses even though the accounts were not authorized and the persons involved were unaware of this being done.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

FAYE SERVICING IS REFUSING TO COMMUNICATE TO THE BORROWER REGARDING FAYE SERVICING SHORT PAYOFF COUNTEROFFER OF XXXX XXXXXXXX AND ACCEPT THE FUNDS. FAYE SERVICING IS ALSO REFUSING TO COMMUNICATE TO THE BORROWER TO PROVIDE THE BORROWER WITH A REINSTATEMENT AMOUNT SO THAT THE BORROWER CAN REINSTATE THE LOAN TO STOP THE FORECLOSURE SALE PROCESS AND STOP THE TITLE FROM PASSING. BORROWER CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2016-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Windham Professionals, Inc. (MD)

I received an wage garnishment for debt to U.S. Government, I called Windham Professional at ( XXXX ) which is contracted to collect debt by US Department of Education. I requested to enter a payment plan at which time the rep asked me for contact information. This would include mailing address and a active phone, I told the rep that i did not have a active phone and please contact me via mail. The rep told me should could not offer me any assistance because i did not have a active phone number. I ask the rep to please provide me with written terms that stated a person had to have a active phone to receive help or even a payment plan. The rep could not provide me with requested information so she transferred me to a XXXX XXXX which he also collaborated her statement that i could not received any help or payment plan because I do not have an active phone. XXXX XXXX referred me to The Department of Education to received requested information as it pertain to getting help/payment plan qualification. I spoke with operator XXXX ( XXXX ) @ The Department of Education that stated that the information told me was not incorrect. Windham Professional practice discrimination and unfair business practices against me on XX/XX/2016 around XXXX. I am seeking legal counsel because I feel that my rights have been violated by this company and I want to exercise all my resources to expose their practices toward consumer.