davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

This is a continued follow up to response complaint XXXX. I've engaged an attorney to review this matter. There's still discrepancies in what WF claims I owe. I want a full copy of my account activity by COB tomorrow before I can make a decision on proceeding with the loan modification. The amount remaining in question is the $ XXXX " pre-petition '' arrears. The previous statement of my account does not cover the arears for this period. The original XXXX filing noted I owed $ XXXX pending the loan mod. Payments were made XX/XX/XXXX - XX/XX/XXXX per the loan mod ; however, then in XX/XX/XXXX, they noted I was in default $ XXXX, XXXX payments starting XX/XX/XXXX when XX/XX/XXXX was already via a trial mod payment. My attorney and I would like to see the history leading up to the $ XXXX to confirm.
Consumer complaint received 2021-12-01
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (MD)

Hello, My name is [ XXXX ], I'm a XXXX year old lifelong Maryland resident who is soon to be a father. I'm contacting you today due to issues I've had with Wells Fargo which has imposed severe hardships on my financial wellbeing. Due to COVID-19 impacting USPS deliveries as well as Wells Fargo XXXX XXXX I now have a 120 day late report on my credit report. I am currently living with my mother as my girlfriend, her daughter, and I have been living there in order to save up to buy a house. Due to this mishap I interacted in good faith to resolve, I am unable to purchase a house, experience very high APR on my auto loan, and am unable to pursue ventures in entrepreneurship which require financing. I am seeking any help in getting this resolved and removed from my credit report. The account in question after I figured out all this happened was paid off within 2 payments. I would like to be able to provide for my family the very basic necessity of shelter and this is making it almost impossible. 



Here are the details from my interactions with them. 



At the heart of the COVID-19 restrictions, I purchased an item via financing on a new Wells Fargo XXXX card on XX/XX/20. Due to issues with USPS in regards to infrastructure and logistics causing mail delays and missing packages from COVID-19 restrictions, I never received the card in the mail. After some time, I reached out to Wells Fargo to inquire about the status on the card as well as make a payment. I was assured another card would be on the way so I can pay. A month or two after that, I still had no card or way to pay my bill so I called again. The Wells Fargo rep informed me that the previous rep inputted my account information wrong and was unable to process a payment which was not relayed to me until that moment. I was then informed that the payment was 120 days late. After explaining the situation to the rep, I received late fee reductions as well as a verbal agreement that Wells Fargo indeed messed up and I should be able to get the late payments expunged from my record. Therefore, in good faith I paid off the account and pursued actions the rep mentioned to get this expunged. However, Wells Fargo was completely unwilling to remove this from my credit report despite the cause of the issue being related to COVID-19, a federally declared pandemic. 



I would greatly appreciate any assistance in getting this expunged. I apologize for bothering your office with this request, however, I feel as though I'm hitting a wall. Wells Fargo has proven time and time again that taking advantage, lying, and abusing the trust of its consumers is their mission statement. It seems as though your involvement is the only thing that may help.
Consumer complaint received 2019-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.
Consumer complaint received 2019-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

Complaint case # XXXX To The Ladies and Gentleman of The Banking Commissioners Office, CFPB, Director XXXX XXXX, Acting Deputy Director and to my neighbors and countrymen.

For all practical purposes, the commission is a front that allows lenders to do as they see fit regardless of the law.

If a consumer complains to the Bank Commissioner about a lending agency, the case is immediately closed out, once the lending agency responds in writing to the CFPB. This policy does not allow the consumer to rebuttal. This consumer protection policy is " no policy at all '' and is pro lender.

Lending agencies such as Capitol One, know this and hand out gibberish response to complaints that defy logic and they are never examined by The Commission.

Brother XXXX  In God I Trust
Consumer complaint received 2019-03-11
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: EQUIFAX, INC. (FL)

SUBJECT : XXXX XXXX disputes inquiries on Equifax Credit Report as shown below. 

Inquiries disputed : XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Description : UNKNOWN and UNAUTHORIZED hard inquiries ( as shown above ) reported on consumer credit report. 

Cardholders Argument and Violations : 1.Credit reporting agency reports multiple hard inquiries listed above on consumers credit report ; consumer did not authorize access to these credit hard pulls. 
2.Consumer Credit Reporting Agency is not in compliance with the Fair Credit Reporting Act and reports inaccurate information on consumers credit report. 
3.These discrepancies violate to consumers Right to Privacy and not in accordance with the applicable regulations. 
4.Unauthorized inquiries recorded on consumers credit report prevents consumer from acquiring credit ; causes consumer financial hardship. 
5.Consumer has notified Credit Reporting Agency of these discrepancies in the past ; Credit Reporting Agency has failed to correct them.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in XXXX and Equifax ) XXXX XXXX XXXX XXXX ( only reports to Equifax ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

My mortgage account got transferred to PHH Mortgage Services from Ocwen back in XX/XX/2019. Either Ocwen nor PHH Mortgage has sent me any letter stating account was scheduled to be transfer or has been transferred. I called to make my XXXX 's   mortgage payment and that is how I found out the account has been transferred. Called PHH but they have been refusing to accept my mortgage payments with one excuse or another. And now, they are saying only way I can make a payment is to pay four months worth of mortgage payment. According to my record, I owe for XXXX, XXXX and XXXX, as of my last conversation with PHH, which was on XX/XX/209. I request they provide a detailed account transaction history so I can see how they are saying I am behind for XXXX, XXXX, XXXX, XXXX and XXXX. I also request they immediately accept my payment and we can figure out why there is discrepancy in the meantime. I also request they correct their error and send all correspondence to my XXXX  XXXX XXXX, XXXX, WA XXXX, address. I also request PHH to correct their error and start sending me monthly mortgage statements which they have failed so far. I have included more detailed complaint and I request to use this note in conjunction to more detailed complaint attached.
Consumer complaint received 2020-02-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cheadle Law Firm (TN)

I just caught this a minute ago, I would like to know exactly what this means : " The lender 's contract with this borrower obligates the borrower to pay the lender 's attorneys fees. Those fees continue to increase. '' This looks as if you are saying the attorney fees are increasing. How is that possible? Are you going to try to charge me for writing several responses for {$400.00} per hour or for two sentences? 

I'm not sure how this attorney could say " those fees continue to increase. '' I'm not understanding that. 

Please verify EXACTLY what you mean by this statement.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX BANK XXXX XXXX XXXX / {$2000.00} / XX/XX/2022
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XXXX XX/XX/2020 I was forcefully logged out of my account on my mobile banking app without my consent or any form of contact being made. This is not the first time this has happened and they have restricted my access to my account information, but the 5th time and in the past they have begrudgingly fixed my issues but now I have attempted to fix it again but instead I was forced to remain on hold for 20 minutes. This is unacceptable and I am heavily considering and looking into moving my finances into another bank or credit union after the complete disregard for my financial information and my concerns.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My name is : XXXX XXXX # XXXX XXXX XXXXAddress of Complaint : XXXX XXXX XXXX. XXXX, CA.XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. In a typed response please list all Corp Advance fees, including property inspection fees. 

XXXX XXXX
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX has been sending mail to my neighbors, any relative they could find with collection slips and information regarding confidential information including the debt amount and company it is being collected for along with ways to pay. My relatives are growing increasingly agitated by these tactics and have even threatened to sue the company named above to get it to stop.
Consumer complaint received 2019-07-02
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. (OH)

I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately. You can not keep telling me you vaildated something and it still report false. Equifax and XXXX both of completely different information from dates they have, to payments, to credit limit to high balance and so on and this is a huge violation and need to be DELETED NOW HUGE VIOLATION OF MY RIGHTS
Consumer complaint received 2019-09-19
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. (CA)

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Experian to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking Experian follow federal law and do the same.
Consumer complaint received 2020-02-10
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following 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****. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (MS)

XXXX XXXX XXXX repeatedly uses the phone to annoy me and by mail. Misrepresentation of amount owed. They have lied about government representation. Left voice messages threatening my arrest. Threats to forward account to an attorney. Left voice messages for me to meet them to be served papers. Left voice messages at my job about me going to be arrested, debt owed, etc..
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TMX Finance LLC (GA)

In XX/XX/XXXX total I purchased 3 vehicles from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX phone # ( XXXX ) XXXX ; of the 3 vehicles 2 of them was financed. In XX/XX/XXXX i noticed that the dealership and all the others had gone out of business. I had been making payments on time each month and after XX/XX/XXXX i  noticed i stopped receiving emails of my payment conformation so I called and spoke with a worker who told me that XXXX XXXX now owns the loan! I was shocked because I had not received any notification from XXXX XXXX that they was going out of business nor any intent to sell or transfer my loan to XXXX XXXX. in addition my vehicle had many issues with the radiator rendering it inoperable for the 1st month and a half and i recently had more radiator issues as well.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

On XX/XX/XXXX and XXXX I called the bank asking why I was not able to get into my online banking and they would not give me a reason why other than tell me that my payroll check was being verified. They told me that I would have my funds available by XX/XX/2024. I talked with them again today XX/XX/ 2024 and they still would not give me a reason why I still do not have access to my online banking nor access to use my debit card. The funds apparently are in my checking account now ; but they will not let me have access to the funds. They still will not give me a reason why my account is under review and no reason given about why my debit card was deactivated. It has been 8 days and I have many bills I need to pay for and Citizens Bank is holding my money from me and not giving me a reason why. There is apparently {$930.00} in my checking account. I dont know what else to do other than reach out to consumer finance for help. Any help is greatly appreciated as this mobile deposit is a payroll check and has been withheld from me without any reason.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Federal Credit Control, Inc. (FL)

A debt I have no knowledge of it's been on my credit report for a couple years now since XX/XX/2015 amount of {$270.00} I'm trying too dispute it I have no way of paying
Consumer complaint received 2019-09-19
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)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I try and use my chase credit card and it was declined for unknown reason so I called chase bank and see what going on and they said that my account was closed for not having enough credit history on my XXXX report which is false and I explain to chase that I missing at least three credit cards of that report and Ive been a long time chase credit card holder for 15 months with no late payments history and no disputes and I made my payments on time and most of them are larger amounts and all sudden this chase account XXXX was closed and chase wouldnt reopen it back up and my credit is in jeopardy right  now and I might end losing relationships with other banks due to my credit score is gon na drop if chase reported my account to the credit bureaus
Consumer complaint received 2022-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (VA)

This account appeared on my credit report for an {$830.00} balance owed to someone. I have never been contacted by this company regarding any debt they purchased on behalf of anyone and since all my bills have been paid off, I do not owe anyone anything past due. This company failed to contact me with regard to any debt affording me the ability to dispute any invalid information.
Consumer complaint received 2019-07-02
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. (LA)

My social security number was compromised, i spoke with Transunion about this issue and their customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2019-09-19
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. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.