davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

I purchased a home in XXXX XXXX, Minnesota through an FHA loan with Wells Fargo. I was relocated for my job and listed the house for sale through a realtor. The house did not sell and my only option was to rent out the home. I had various tenants rent the property and the last tenants damaged the home beyond its value. I took them to court to evict them but unfortunately after they moved out of the property I was unable to locate them therefore I was unable to recoup any damages. I contacted Wells Fargo and spoke with a loan counselor. I was instructed to go through the short sale program and I then sent in the necessary paperwork. I was contacted by a representative at Wells Fargo saying my short sale request had been approved and to put the home on the market at a price Wells Fargo set. Months later I received a letter from Wells Fargo saying the short sale request had now been denied and that Wells Fargo already started foreclosure proceedings. I was informed that there was nothing else I could do. About a year later, I was contacted by a representative with the National Mortgage Settlement Administration and was told I was eligible to take part in a class action lawsuit against Wells Fargo for mishandling the short sale and forcing foreclosure upon the property. Wells Fargo admitted wrongdoing and lost the lawsuit. Over five years later, I am now trying to obtain a new mortgage and am being penalized with loan options because Wells Fargo is still reporting the loan as a foreclosure with a balance owing. I have asked Wells Fargo to look into how the loan is being reported to the credit bureaus and sent the appropriate documentation to them. I was contacted by a representative from Wells Fargo saying that they looked into it and it is being reported correctly. After I questioned the decision, the representative told me she did not look at any of the documentation I had sent. She told me she would reopen the case and get back to me. I have not heard from this representative or anyone else at Wells Fargo in ten days despite leaving numerous voicemails asking for a response. I am requesting help from the CFPB to assist me in getting this information corrected on my credit report so I am able to obtain a new mortgage and have the options available to me that I would otherwise qualify for. My credit and personal financial situation have suffered due to the wrongdoing and mishandling of the loan by Wells Fargo.
Consumer complaint received 2020-02-11
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: HW Holding, Inc (NM)

We moved into a trailer park and when we got there we needed to work on the trailer due to EXTREME UNLIVABLE conditions. We needed to redo pipes. The toilet, a/c, buy a refrigerator, remove countertops and redo carpet and tile flooring because it was cockroach infested and there was inches of carcasses in the home. We lived there for less than 2 weeks and when we put our 30 days the owner would refuse to help us or respond or call as if he was not a real person, and was afraid to contact us. Also my ex husband was the one who had it under his name. And the trailer manager had asked for my social security info because I lived there, even though I was just living there and was not the one who applied. Also my grandmother lived 2 doors down for a very short period of time due to the same reasons. And the company is charging 3 people who lived there the full rent amount. Also they kept our security deposit of XXXX $ and we paid the first months rent and after a week of living there there were roaches in our food and we killed over 100 a night during dinner time. It was awful and we were forced to flee the place.
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Citizens One bank received a final payoff amount on our car loan on a new 2015 XXXX XXXX. Payoff paid- {$13000.00}! 
The amount cleared my bank on XXXX. Have all proof from my bank. Due to error on Citizens part, the amount still has not posted, no title issued, and after almost a month of calling, being told " They 're working on it ''. Totally incompetent customer service.
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (TX)

My husband and I bought a XXXX XXXX Van brand new from XXXX XXXX off the XXXX XXXX. My husband insisted on buying the van on the same day I was diagnosed with XXXX XXXX after being at my XXXX XXXX office for four hours. 
We traded in my XXXX XXXX XXXX that had XXXX miles. I was not in my right mind making a decision on a new car ; let alone {$600.00} a month note. 
Then a year or so later, we got it refinanced under Chase Bank for the remaining balance which made it {$540.00} a month. Still too high for me. 
I've been struggling trying to pay this van off. It was ( I think originally ) bought at {$37000.00}. I've been out of work off and on. I regretfully been using the money for in-between times until I could go back to work. Now, I'm battling with XXXX  ( XXXX XXXX XXXX XXXXXXXX ) beyond Stage XXXX and on XXXX. I thought I was almost through paying on this car. Now Chase Bank is saying I owe {$10000.00} in fees and late payments. Omg! I just want to be finished paying for a night mare van note that I never really wanted. 
Please help dispute Chase Auto Finance. 8 years is too long to be in debt to a car. XXXX, XXXX
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX i applied for a credit card. I was shopping around and chase had an offer on their website {$200.00} bonus for spending {$500.00} when approved. Cool i thought it asked me if i was already a customer which i am. It asked to enter info to validate to streamline the application. So i did. I did the whole application and the promotion had changed to {$150.00} i called on that day but lending was closed, so i called back XXXX XXXX @ XXXX and spoke a lady that told me it was my error that i had to reapply even though it was the same credit card. This would have been a new inquiry on my fico. I asked her why it was misleading and she said that she would transfer me but there was nothing they could do. When she transfered me i was hung up on. I called back spoke with someone becaus eof the unfair deceptive act or practice and filed a complaint on being hung up on. they said that a account manager would call me bck and hopefully get this resolved. A guy XXXX called me on XX/XX/XXXX left a messgae that i could apply again but they would not honur there own promotion, when reading disclosure if i apply for the same card they would not honor the second promotion. So im being asked to apply again even though if approved i would not be able to receive the promotion. Im not going to pull credit again to lower my score. their system did the ol switch and bait. I called and spoke with a XXXX on XX/XX/XXXX she would only take the complaint i presented. She said there would be no follow up no referance number i really dont believe they took my claim serious. 
I happen to take screen shot from the date in question and they are changimg promotions minute to minute and in my case i click on one offer and was given another I was approved by the way and now they wont take responsibility for the misleading promotions they offer or even right the wrong this is a financial impact to me since for the same purchase i cant receive the bonus originally offered. 

I dont even have the card in possession yet and already all these problems
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I went to Chase bank that i have banked with perfectly fine for 3+ years iv had my XXXX kids who are adults now even open accounts. i have worked with the same company for 3+ years i recently switched as of XX/XX/2020 to get my paycheck instead of direct deposit my first check as of 2020 i received XX/XX/2020 & i deposited in ATM my check was {$1700.00} first night it let me have {$500.00} & released the rest the next morning so i assumed hey its maybe because i always got direct deposit that the bank is just double checkn things but now my next paycheck comes today about {$1600.00} & i walk in to deposit this time & the teller looks at me in my scrubs and shakes his head and says '' your lucky if i can even give u {$200.00} for this its a " XXXX " check but i personally bank with chase. so i politely told the rude teller who obviously had anger issues with XXXX, so i went over to ATM as i did the previous paycheck but now i have NO access to my money the whole entire paycheck. Is on a 10 day hold i dont have {$1.00} to my name and when i got back into the line the teller jjust threw his hands up and laughed and said i cant do anything and nobody in this bank can do anything to help you & he said dont bother asking for my manager because he wont help you either. i work 80+ hours a week at times XXXX XXXX XXXX XXXX and i litarally didnt know the bank can take my whole paycheck and refuse to give it back or to answer any questions & after my check was deposited i was NO longer allowed to get {$200.00} according to the sarcastic XXXX XXXX hating teller i had. I looked up the different holds the bank can hold my paycheck under & i was supposed to be offered some of my money.
Consumer complaint received 2015-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (OR)

My student loans have been sold/transferred to different servicers several times. The student loan servicing industry is broken - each time the loans are sold, data and information is lost. My current servicers can not even provide me with complete and adequate data to confirm payment history, principal amount, interest rate, incentives. ( XXXX of my prior student loan servicers are now out of business due to fraud and other violations that forced them out of business - and they can not be contacted or left any records either ).
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (CA)

I have problems with lobel financial. because they want to charge me penaltiesor " coverage '' like they called it for insurance coverage. something that I had been paying since I got the vehicle. my insurance policy hasn't change that's why I don't get it because no other bank has I ever had that problem.this same problem I had at the begining and I was asked to send the paper work which I did and didn't espect to go through the same problem every year. I just hope you can help me fix this problem.
Consumer complaint received 2022-10-07
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

My student loan is showing charged off ( from my annual credit report and mortgage lender credit pull. I attended XXXX XXXX in which the school lost its accreditation. I submitted proper paperwork a couple years ago and itshas been going on for years. I saw that its on my credit report now as a charge off because of the class action lawsuit. I am a XXXX military veteran looking to use my VA benefit but because its student loan is showing up as charged off ( no fault of my own ) i am presented with being unable to purchase a home via VA or FHA for that matter. Please assist.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX ( Citibank XXXX XXXX XXXX in relation to a debt in the amount of {$810.00} that was charged off in XXXX but continues to be reported on my credit report as charged off. This ongoing incorrect reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my financial situation. 

Despite the debt being charged off by XXXX in XXXX, they continue to report it on a monthly basis as charged off. This continuous reporting not only misrepresents the current status of the debt but also violates the FRCA rules regarding accurate reporting of credit information. The incorrect reporting of this charged-off debt has had a detrimental effect on my financial well-being, making it difficult for me to obtain credit and negatively impacting my credit score. 

Additionally, I want to bring to your attention that I have not received a Form 1099 for this charged-off debt as required by the Internal Revenue Service XXXX IRS ) regulations. CBNA 's failure to provide this necessary documentation further adds to their noncompliance with relevant laws and regulations. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against CBNA. Specifically, I seek the following remedies : 1. Immediate removal of the charged-off debt from my credit report, as it is inaccurately and unfairly reported.

2. Correction of any negative impact caused by the ongoing incorrect reporting, including the adjustment of interest rates and credit scores.

3. Compensation for any financial losses or damages I have incurred as a result of this inaccurate reporting.

4. Enforcement of penalties on CBNA for their violation of the FCRA rules and failure to provide a Form 1099 for the charged-off debt.

I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and ensure that justice is served. Attached to this letter are supporting documents, including copies of my credit report showing the ongoing incorrect reporting of the charged-off debt, as well as any relevant correspondence with XXXX 

Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely,
Consumer complaint received 2020-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I initially reached out to the DBO because we were seeking assistance with modifying our home, as we had not yet be asked or given any chance. In our initial email to Freedom Mortgage, and per their direction on their website and MAA package, we were to email them at " XXXX '' on XX/XX/XXXX. Within that email, I outlined exactly what was attached to the email : Financial Statement, Verification of Hardship ( Letter ), Signed 4506-T Form, Proof of household income : ( pay-stubs for the last 30 days, and IRS tax returns ), Bank Account Statements - 2 most recent, and an Authorization from our BK Attorney, so that they may contact us directly. Upon sending that email, we received an email confirmation. We later received a letter from Freedom Mortgage requesting a Hardship letter and a copy of our XXXX tax returns. Within that letter, they requested that the information be sent to them no later than XX/XX/XXXX. Please note, this information was sent to Freedom Mortgage on XX/XX/XXXX, via email. Of which, we received another email confirmation back from them. Today ( XXXX XXXX, 2020 ), we received a letter from Freedom Mortgage dated XX/XX/XXXX, indicating they have " ... closed our review ... because they did not receive ... " Properly Executed IRS Form : 4506-T and Documentation to Support Hardship. '' Please note that the 4506-T Form provided was what I downloaded from their website. At no time did anyone contact us or provide us with any information indicating what is not " proper '' about it? You would think we would be given a chance to correct it, assuming it's not accurate? Additionally, at no time did we get asked to provide " Proof of Hardship. '' We were only asked to provide a hardship letter. Shouldn't that have been something they should have said from the start? Instead, they decided to close out our review and not give us any chance at all. This again shows that they are not trying to help us, as customers retain our home. Please note that I do not have any messages or calls from any, either. Which, I provided them proof of authorization from our Bankruptcy Attorney, so I'm not sure why we didn't receive a phone call or a letter with these specific requests?
Consumer complaint received 2020-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Hit with an inquiry from XXXX National Credit Cards/Airlines,  I do not have any relation to this and just like some others, I was given the run around. XXXX claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then Transunion tells you to contact XXXX ... .thus an infinite circle. Inquiry from XX/XX/XXXX. XXXX. National Credit Cards/Airlines. XXXX FL XXXX. Last reported on my TransUnion credit report on XX/XX/XXXX. I Did not make this inquiry and i should not have to go through the hassle of fixing something that I did not ask for or inquiry about. If its a known issue from XXXX XXXX this needs to be resolved on its own.
Consumer complaint received 2020-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (KY)

Around about XX/XX/XXXX I received snail mail from XXXX in Florida stating it was writing regarding a google wallet balance I had in the amount of XXXX. It said the account had become ready to be escheated to my state treasury if I did not take action. I have a photo of this letter I received however my account number is too blurry to make out. It stated no activity on my account since XX/XX/XXXX. I can not recover my account because I do not know which email google account I had back in XXXX when I had my actual google wallet debit prepaid card!! I have tried to recover this account so that google could deposit my funds into a working active bank account. I have contacted my state treasury in XX/XX/XXXX only to find out I have no funds in my name. My question is to google payment corporation on why cant you all escheat my money to my state??? I think by replying to the snail mail that allowed google/XXXX  to keep ahold of my money and not properly turn it over. I am so frustrated its my XXXX and someone at google has to be able to locate it and tell me how to get my money back instead of telling me to attempt to recover my account. Help please.
Consumer complaint received 2020-02-11
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)

Experian has continued to report inaccurate fraudulent information on my credit file from XXXX XXXX for the amount of {$8600.00} I've last reached out to Experian on XX/XX/20 and since then they have dropped my score by 142 points as of XX/XX/20
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Released tax lien from XXXX XXXX Register of Deeds filed XX/XX/XXXX and released XX/XX/XXXX and XXXX XXXX Register of Deeds file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all 3 credit reporting agencies. I have disputed multiple times and each time XXXX, Experian, and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc. (GA)

XX/XX/2023 SageStream , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-11
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: ALLY FINANCIAL INC. (FL)

XXXX  has continued to report inaccurate fraudulent information on my credit file from Ally Financial for the amount of {$8600.00} I've last reached out to XXXX on XX/XX/20 and since then they have dropped my score by 142 points as of XX/XX/20