davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NY)

For over the past 2 yrs Ive been experiencing undue stress as it relates to the handling of my mortgage payments by Mr Cooper. 
1. Ive been requesting to separate my mortgage payments from my escrow for 2 yrs 2. Application of late payment fees when I was already part-taking in the Covid relief program 3. More recently an outer cycle analysis was done after I made payment on their website for XXXXmy account states unapplied funds. According to XXXX on XX/XX/ my mortgage payment was increase I received no notification. On the date I paid my mortgage the amount to be paid was paid in full 4. I was told that the outer cycle analysis was completed because I requested to make payments separate from my escrow payments 5. I was denied my request to separate my mortgage from escrow - reason given was I missed my tax payment to XXXX XXXX. I asked How can I miss paying my taxes when all payments were being sent to Mr Cooper ever since Ive been with this company Ive been given the run around as it relates to payments and communication, I was promised that Im able to pay mortgage payments separately from my escrow after 12 months of straight payments now its that time and Im having problems again
Consumer complaint received 2024-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC (FL)

I left the amp fitness company as soon as I joined the only time they took a monthly fee of me was that first month and I immediately went and called and told them to cancel the membership and as well as spoke to my bank and got an email from XXXX XXXX saying that it was canceled and this was way back in XXXX to XXXX. I recently got the mail that I owe {$160.00} to the company which doesnt seem financially correct. 
Since I left the company and if the amount charged to me were to be correct, it would be way more than just XXXX because every month at XXXX XXXX  the membership is about {$65.00}, so from XXXX to XXXX ( when i received the calls and mail ) it wouldve been more money owed.
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-09-05
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. (MT)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, US DEPT ED XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (CA)

I recently pulled my report and saw that there are accounts appearing that I am not aware of where they came from. Below are the accounts appearing : 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 I also attached a copy of my FTC complaint pertaining to these accounts.
Consumer complaint received 2023-05-11
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-05
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX on a XXXX XXXX XXXXXXXX and I had purchased their gold member service/status/badge which is supposed to give you certain benefits and 24 support service and a direct line of communication Never received any help and when another person of lesser status who is friends with support staff reports me several times and is bragging boasting that he can get me blocked constantly XXXX XXXX XXXX XXXX XXXX XXXX the app did not do any investigating didnt view any evidence I had sent in or even bother to listen i reported this to my bank Bank of America to get my money back and they denied me I had several other high level broadcasters attempt to speak on behalf to support staff and present their evidence as well but to be denied and sent away the app is a scam in it self double charging taking more coins then given etc over XXXX grand invested on 3 accounts banned by the person who was XXXX XXXX XXXX and making my life a XXXX XXXXXXXX Bank of America did absolutely nothing in fact by them denying me a refund its like they sided with the app
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I am currently looking to purchase a car and my credit report is reporting a numerous amount of inaccuracies. Hard inquires as well as an auto loan that has been paid in full. I am very concerned consumer and want only true information about me reporting. Please removed this inaccurate information as you are in violation. 15 U.S.C 1681
Consumer complaint received 2019-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account ( XXXX ) is accurate. And therefore this account should be removed.
Consumer complaint received 2018-06-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

REF COMPLAINT # XXXX 1. We still have no resolution after 26 days after our original request and 31 days since our original closing date. We have had dialog with Wells Fargo Customer Relations ( XXXX XXXX XXXX ) on ( 3 ) occasions out of ( 12 ) contact attempts ( see timeline below ), but have had no response to our last ( 5 )  attempts in leaving voice mails. 

XXXX Contact with XXXX XXXX Goal to provide release by XXXX, will engage with Lien Release Department to produce Certificate of Satisfaction ( COS ), currently doing research for original COS/Deed of Trust ( DOT ) to expedite process. XXXX XXXX available XXXX CST. 
XXXX Contacted XXXX XXXX 100 % committed to get lien released by XXXX, expecting an update within the hour from Lien Release Department. 
XXXX No response from XXXX XXXX called left voice mail for call back. 
XXXX Received update from XXXX XXXX Will not release a COS, but working with legal for a Letter of Indemnity ( LOI ) will follow up on Tuesday, XXXX. 
XXXX Received no response from XXXX XXXX after ( 3 ) attempts leaving voice mail. 
XXXX ( 5 ) attempts with no contact. 

2. On XXXX, contacted by our Real Estate Agent that we had lost our buyer who submitted a Contract Release Agreement due to hardship. We now have incurred personal and monetary damages ( See Attached Spreadsheet ) resulting from Wells Fargos incompetence and non-compliance with VA 55-66 in not producing either a COS or LOI, in which we must now pursue legal action based on the following facts : 3.  Research documents show the original XXXX XXXX XXXX  ( {$64000.00} ), refinanced by XXXX XXXX XXXXe ( {$65000.00} ) and assigned to XXXXXXXX XXXX , XXXX, in XXXX was then acquired by Wells Fargo. Acquired Wells Fargo lien ( {$50000.00} ) was then paid off through XXXX XXXX XXXX refinance ( {$84000.00} ) as evidenced on HUD-1 Statement ( Item 1502 ) dated XXXX ( Attached ), XXXX  then  acquired by Wells Fargo in XXXX. Chain of succession shows Wells Fargo in accordance with VA 55-66.3 inherited fiduciary ownership of this mortgage directly or through acquisition in excess of 20 years since the 2nd transaction which satisfied original lien. Therefore, Wells Fargo has ownership of documents showing payoff of original mortgage.

4. Property has little risk of any potential lien claims being that XXXX XXXX XXXX XXXX, having been the original home owner evidenced by multiple title insurance companies in accordance with VA 38.2-4601, released the liens through each of the ( 4 ) Deed of Trust ( DOT ) transfers and issued policies of title insurance as defined in 38.2-4601.1, for real estate transactions wherein the loan secured by the lien was satisfied by payment made by the title insurance agency or agent ( Last 3 DOT transfers being owned by Wells Fargo ).

**We are experiencing the " Old '' Wells Fargo and not getting the customer service to re-establish trust and confidence in the " New '' Wells Fargo per their recent  commercials.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (GA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
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. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX, Last 4 of SSN XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. 
XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-16
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. (MD)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE TRANSUNION MY PERMISSION TO FURNISH THIS INFORMATION ONTO MY CONSUMER REPORT. THIS IS A SERIOUS VIOLATION PURSUANT TO CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS A BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NV)

I have obtained a XXXXXXXX XXXX XXXX  XXXX Report, dated XXXX. The Report, includes an American Express Prospectus, dated XX/XX/XXXX which discloses that the primary assets of the trust are receivables of designated consumer American Express revolving credit card accounts and receivables generated with the use of revolving credit features associated with certain other American Express credit card accounts and, in the future, may include other charge or credit accounts or features or products. The receivables consist of principal receivables and finance charge receivables. American Express XXXXXXXX XXXX XXXXXXXX XXXX is listed as the Issuing Entity of XXXX XXXX XXXX with an original balance of $ XXXX. American Express XXXX XXXX is listed as XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is named XXXX. The assigned XXXX Number is XXXX. The 1st payment date for this XXXX was XXXX. The XXXX maturity date is listed as XX/XX/XXXX. The Audit states Cardmembers ) Receivables has been converted into a stock as a permanent fixture. Receivables arriving from the subiect Cardmembers credit card accounts ( including mine ), were sold, assigned, conveyed and transferred to AMERICAN EXPRESS XXXX XXXX XXXX XXXXXXXX. Although my credit card application ( s ) was/were securitized and sold on the secondary market, I was not granted rights, title or interest in Receivables or proceeds of any kind. When corresponding with several American Express XXXX, I was overlooked and remain void of relativity to this process. I did not grant permission to securitize my application and have revoked American Express XXXX XXXX XXXX and security interest in relation to all matters concerning XXXX XXXX XXXX, as I, XXXX XXXX XXXX XXXX XXXX Agent and Beneficiary. In short, I believe the foregoing securitization practices of AMERICAN EXPRESS and its AFFILIATES to be that of Securities Fraud and Identity Fraud and in accordance with the Securities Act of XXXX. I was deceived and omitted from interest in this entire securitization process, while AMERICAN EXPRESS and its AFFiLIATES misrepresented the lucrative utilization of my application ( s ), as my application ( s ) was/were sold on the secondary market for monetary gain, for millions of dollars. In an effort to enter into a partnership with American Express, to date, my efforts are in vain. A list of Executives and Representatives approached in writing by me include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX and their General Counsel Offices. Filed complaints now include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau. My final step, and very soon, is XXXX. Mailings and attachments available.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-09-30
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: DISCOVER BANK (GA)

DiscoverBank Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to XXXX XXXX XXXX This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Today I went to cash my check at CHASE BANK since I do not have direct deposit, I then went to insert my money into the atm to put it on my XXXX  card to make a car payment and other things. The Atm took my money and was loading for XXXX minutes while a car honked at me. I had to get out if my car and put a cone behind it next to the ATM while the screen was still loading, and walk back into the bank. I told them that the ATM wasnt depositing my money and was loading for XXXX minutes. The lady told me to park my car, come inside and a XXXX worker will talk to me. When I got back to my car, the loading screen stopped, and gave me HALF of the money I put in back, and the other never went to my bank account, just into the ATM! It wasnt little money either. So basically my money disappeared into the ATM and just spit out half of what I put in without the other half going to my debit card. I go inside with the receipt that the ATM printed that said to check my account, call this number and the banker called a number ( not sure if he called the XXXX on the receipt or not ) but then after he hung up the phone, he told me the rest of my money would be in my account WITHIN an hour, and an email would be sent to my phone. I NEVER got an email and I NEVER got the money, and its been almost XXXX hours. I called Chase bank XXXX times at least, even the branch XXXX and my personal banker, nobody answered and I would get hung up on and straight to voice mail. Eventually someone answered and forwarded me to another person who then said it would take XXXX BUISNESS DAYS to INVESTIGATE?! This is so crazy and unfair.
Consumer complaint received 2019-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XX/XX/2019, XXXX XXXX XXXX transferred my Home Equity Line of Credit to Specialized Loan Servicing. I have always had my XXXX XXXX XXXX checking account automatically debited to pay the XXXX XXXX XXXX   HELOC. When they transferred my loan, they stopped the auto debit. I also always pay an additional principal amount on my own to reduce the balance. When they stopped the auto debit, I paid it online, along with the additional principal amount. Specialized Loan Servicing has not credited my account correctly since this loan was transferred. They sent me a statement reflecting the total amount I paid and placed it in a suspense account. I have called numerous time trying to resolve this. They told me to send an email with my issue, plus attach my previous XXXX XXXX XXXX statement. 

I have done this, I keep calling and asking for a supervisor. They place on me hold and nobody comes back on the phone. They were showing me past due one month, now they are showing me past two months. I have paid XXXX, XXXX and XXXX. I was about to pay XXXX today, but they are now reflecting two months past due. This is extremely stressful, as I have never been past due on my mortgage. I also have called XXXX XXXX XXXX, but they say can not assist me, since the loan has been transferred.