davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I faxed loan modification reinstatement documents to the Wells Fargo Home Preservation Department on Friday, XX/XX/XXXX, at XXXX, at Wells Fargo Bank Branch , XXXX , CA. This is my fourth submission for loan modification. In addition, I have applied and been approved three times with KYHC, but Wells Fargo has rejected the funds. As a result, I am in foreclosure in three days, XX/XX/XXXX. I need immediate intervention to stop this illegal foreclosure sale of my primary and only residential property, purchased in XX/XX/XXXX. Predatory loan originated in XX/XX/XXXX when I refinanced the loan with XXXX with brokerage agent. As a result my excellent credit has been destroyed and my health has been greatly compromised. Please review this case ASAP. Thank you for looking into this matter.
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Late in XXXX I called the toll free number on the back of my Bank of America XXXX XXXX XXXX XXXX  debit card to check my balance. I found out that over 16000 dollars was missing. I was transferred to the fraud department to go over the charges over the last few weeks. The charges where for everything frames cell p h ones to airline tickets and where posted in XXXX and XXXX. My charges are at local atms and grocery stores. The representative agreed that the where obvious fraud. I filed a claim. A few days later when I called to check on the claim and was told it was denied. I asked why and was told .y my pin number was used.. I told them that was impossible since the card has been on my person and I had never lent it out and never gave out my pin number. I reopened the claim. A few days later I called and was again told it was denied. I was told to reopen the claim and file a police report which I did and also an fbi and occ report. I faxed everything to BofA. And was denied again. I don't know what to do. I am broke.
Consumer complaint received 2021-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

On XX/XX/2021 I received a cover letter and a check for {$3600.00} thanking me for taking out the personal loan. However, I never applied for the loan nor was I aware of this loan. I am unsure, but it feels like a scam.
Consumer complaint received 2015-04-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Siggi LLC (MD)

I have made my loan payment as agreed without fail. It has never been late and I still make the payment on time. But the company is reporting that I am over 180 days past due. I 've tried speaking with them but they do not seem interested in fixing the problem.
Consumer complaint received 2021-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

At XXXX on Thursday XX/XX/21 received a call from a scammer that said they were from my bank, wells Fargo XXXX ( the number was from the actual wells Fargo customer service 800-number ) and wanted to let me know that there was an unusual charge on my account in the state of Ohio for {$440.00} and another for {$1500.00}. I said those were not my charges and were fradulent. This scammer asked me to verify my information like my SSN and even sent me a text with a XXXX digit code to confirm my phone number from the same text wells Fargo uses. They had all my banking information. Scammer continued to put me on hold to " start a claim '' for the fraudulent charges and put a stop on my debit card. As I am hold, i start receiving emails from wells Fargo that there begins to be activity on my accounts, such as a {$1500.00} cash advance from my wells Fargo platinum card account into my checking account. After XXXX minutes of being on hold,, The scammer returns and says they have canceled my debit card and they will be sending me another one and the " new activity '' is accounted for and will be reversed. I hung up thinking my debit card was stopped and the issue was over. The situation seemed weird to me, so I drove to an actual Wells Fargo branch and found out that it was a scam, and that my checking account and credit card account had been compromised. They had to close all my accounts and start an investigation. The scammers do have all of my personal information including birthdate, XXXX, phone number, and home address.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, XXXX XXXX ordered a part for our part shop. He was on the phone with someone that claimed to be from XXXX. He got put on hold and the person somehow got ahold of his bank account and was sending money to themselves through XXXX. They were sending {$1300.00}, {$500.00}, {$2900.00}, {$2700.00}, {$500.00} and {$3500.00} to people outside of the US. A week after this scam, Bank of America sent him an email stating they had a crisis about the XXXX scam. We received a letter on XX/XX/XXXX stating they are unable to approve the claim on several different accounts. We have about 4 business accounts that they took money from. The claim numbers are : Account ending XXXX XXXX, Account ending XXXX XXXX, Account ending XXXX XXXX, Account ending XXXX XXXX I have gave Bank of America authorization for CFPB to proceed with my complaint .
Consumer complaint received 2021-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (KY)

I had bought a car from XXXX XXXX dellership in XXXX of 2021 XXXX weeks after i bought it the clutch went out on the highway and the car was in the emergency lane and then towed of the road by XXXX to a parking lot on XXXX XXXX in XXXX ky i was told it had a full drivetraine warenty by XXXX XXXX and even with this in writing thay said it was not i was left in a parking lot for seven hours unitill a friend got off of work and came and pick me up i am a XXXX veteran who is XXXX XXXX  XXXX this is how veterans are treaded in XXXX ky the finance companey Consumer Portfolio Services they were contacted that day the warenty and the dellership as well no one never made atemp to pick this car up a month and a half later the car still had not got pick up and soon came up missing i have try for weeks after the car went down to get help and got no help from no one i filled a police report and turn over the info to Consumer Portfolio Services with my insurance info for XXXX XXXX times the clame as of this day has still never been filled and i am getting harrast by them and by the insurance and the dellership there is foul play going on here from one of if not all three of them i don't have this car i have follow all laws they have the ones with shady past look up there history it speeks for itself i have contacted your office so many times for help still getting treated like XXXX by the credit bureas it did no good contacting you for help with them i was told you can handle this if i don't get some kind of help to get these low life criminals off my back i will take it public and filled a criminal complaint with the XXXX XXXX of the DOJ so i am asking one more time to help me this is what this office was set up to do
Consumer complaint received 2022-05-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/, 2022. And now we are in the month of XXXX 2022, 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. 
KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo ( WF ) did not submit payment to my hazard insurance company ( from my escrow account ) in time for the payment to be processed before the due date. I found out about it when I received a written notification from the hazard insurance company notifying me that " my policy expired because they did not receive the minimum payment required to continue coverage ''. I had to spend almost XXXX hours on my cellphone talking first WF, then to the hazard insurer, then again to WF to find out what happened. WF told me they remitted payment on XXXX XXXX ( which is what my escrow acct reflected online ) but the hazard insurer sent me proof the payment was not received and processed until XXXX XXXX ( 20 calendar days later ). WF later admitted they normally remit payment 7-10 business days before the due date ( which was XXXX XXXX ) ; however they were unable to explain why they did not remit payment until XXXX XXXX ( only 6 business days before the XXXX XXXX due date ). The hazard insurer also had no knowledge they should have been billing WF directly, rather than me, the borrower. This is something that WF should have informed the insurer of, especially to ensure the correct mortgagee clause is included on the policy. As an educated person in the financial sector, I expect my mortgage lender to accurately and timely remit payments on my behalf when they require an escrow account.
Consumer complaint received 2023-02-06
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. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX
Consumer complaint received 2021-11-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, XXXX and Transunion have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Transunion has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of XXXX XXXX, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (WI)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-04-18
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this!! 

The accounts listed here need to be DELETED IMMEDIAYELY. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANKMOBILE TECHNOLOGIES, INC (MA)

Upon receiving an unsolicited email message from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I set the attached request to XXXX XXXX  to opt out my account from sharing my information with the company 's affiliates and third parties as well as from marketing communications. 

XXXX XXXXXXXX XXXX initial response had incorrect instructions and to my subsequent messages requesting to op out my account and indicating that the instructions provided to me were inaccurate I received no response in more than two weeks.
Consumer complaint received 2015-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

my COMPLAINT IS WELLS FARGO HAS REFUSED to HONOR OR RECgonize REGULATION Z AS IT RELATES TO AN HEIR being place on a existing loan mortgage. I AM THE ONLY HEIR TO MY MOTHERS PROPERTY that was left to me via her will i am the executor of her estate and have met with nothing but lies and deceit from wells fargo loan number XXXX. Their stone walling has but one intent and that is simply to drive the home to foreclosure
Consumer complaint received 2022-12-17
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (MO)

My car was sold to me under a fraudulent contract.I was financing a car which I paid my down payment out of pocket but it states in federal law that my down payment is included with my finance from the lender but they still made me pay and also for my insurance I paid out of pocket but it also supposed to been included in my loan from lender which makes the contract fraudulent under these federal guidelines 15 US code & 1605 15 US code & 1635
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I open a checking account in bank of america and I was trying to transfer money from this checking account to other personal checking account in a different bank and they cancelled twice. The second time I call to ensure I was doing this right and the representative said that everything was ok. the next day I received a message saying that the transfer got cancelled. I tried to access my account online and I couldn't access either, then i decided to go directly to the branch, purchase a check and deposit myself in my account. After spending over 5 hours in the phone ( literally ) an agent mentioned that the fraud department added a block. Bank of America hold my money due to this " fraud '' blocked they added. I'm frustrated as nobody can fix this issue. Today is Saturday, which means the situation is not going to be addressed until Tuesday as Monday is a Holiday. I'm demanding Bank of America to pay back the fee their charged for the official check as all this situation is their fault. There is not fraud, just a mess in their side and they are holding my money which it has regulatory implications ; not only UDAAP ( misleading the client with confusing information in their online banking and holding my money ), funds availability Reg CC ( holding the funds availability due to their own fraud block ), and potentially Reg. E ( not completing a electronic transaction as I requested ). While I'm writing this email, I'm still in hold so we go now to 6 hours. Unbelievable.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have not been able to satisfactorily settle this matter with the CRAs. I have a late payment on my XXXX XXXX Credit Card. I have never been late. This is an error. The account number is XXXX and the date is XXXX of 2023. This is not the only error on my account either. There is inconsistencies throughout my report. For example : The Date Opened is inconsistent across all 3 bureaus. The High Credit is inconsistent across all 3 bureaus. The Last Reported is inconsistent across all 3 bureaus. The Date Last Active is inconsistent across all 3 bureaus. Finally, the Date of Last Payment is inconsistent across all 3 bureaus. I have provided documentation of this.

My rights according the the FCRA and 15 U.S.C Code 1681e -Compliance Procedures- is to at a very least have 100 % accurate and consistent reporting to my consumer file.
Consumer complaint received 2022-05-23
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. (NY)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$480.00}.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

There are inquiries on my report that I have not approved of. I have started my claim with identity theft with the identity theft.gov and I am requesting that these inquiries be removed. I have also contacted the companies that did that inquired as well as all three credit bureaus. 

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 reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2021-11-21
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. (GA)

Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer credit.