davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Your client failed to reach out to the VA in response to getting approval to modify the clients loan. Although the VA has rules and regulations regarding a lender approving an additional modification of the loan, they are also willing to review any lenders request for additional assistance via Loan modifications for the VA to approve, we request the lender to submit the loan modification application to the VA for approval to assist the client in the delinquency of the loan to be brought current and allow the client the opportunity to save their home.
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (ID)

Today, on XX/XX/XXXX, I deposited XXXX dollars to my chime account through an approved vender via chimes app. I got notification on my phone that I had a current balance of XXXX dollars. I went to an atm and got a balance inquiry notifying me that my amount available was XXXX dollars. Later on I tried to withdraw money and was declined. When I went to the chime app to find out why, it would not let me log in and said my account was closed. It only gave me the option of emailing but not calling directly. After sending two emails I received no response for several hours. I finally called the fidelity bank number on the back of my card and got through that way. I spoke to several customer service reps who could not give me a direct answer. I was finally escalated to a supervisor who told me my account was closed, ( I already knew this ) and an email was scheduled to go out as to why. Well she could not tell me where my money was or if I would be refunded. I finally received a reply back from chime support stating my account was closed because I tried to access my funds too soon after depositing. Mind you, I have only just started using chime, and this was my first ever deposit. He told me I would be issued a refund within 30 days via check. I told him this wasnt good enough, I literally just got paid, TODAY and they arent releasing funds that are mine. I threatened to have my lawyer ( yes, I have an active lawyer working another case for me ) contact them, and he said he expedited the process and I should receive a check within 3-5 business days. Well here I am with no money and no way to support myself because chime took my money and closed my account for no reason justifiable. I want something done about this. And Im not the only one this is happening to. That money is fdic insured and I wont stop until I get my hard earned money back. It takes me two weeks nearly to make what they took from me.
Consumer complaint received 2015-11-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Niagara Restitution Service Inc (VA)

I responded on XXXX/XXXX/XXXX @ around XXXX XXXX ET to # XXXX to a message left on my cell phone and my mothers ' answering machine. When I called the young man threatened to have my drivers license suspended unless I settled out of court for a credit card debt I think was settled in XXXX. He also said I would have to drive out to XXXX, VA ( XXXX hours away ) to deal, and had a 6 year old address.I had been in a head on collision in XXXX and had settled all of my debts afterwards to the best of my knowledge. I also wonder if this may have been a scam attempt due to the clear violations/threats issued by the representative.
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Account Control Technology, Inc. (NY)

On XXXX/XXXX/15, several XXXX employees from Account Control Technology contacted elderly relatives from my extended family at ( XXXX ) XXXX. They claimed to work for the US government, which was a lie. They worked for a company called Account Control Technology. In addition to making false threats, this fraudulent company sent me a virus and impersonated US government officials over the telephone in violation of the Fair Debt Collection Practices Act and the Fair Billing Credit Act. I am the victim of identity theft and grand larceny. This fraudulent company stole my identity electronically.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I wish to submit a complaint. A Bank of America customer representative informed me that I could deposit a check not in my name, provided that the person named on the check endorsed it alongside me, assuring that it would clear after a brief hold. However, Bank of America rejected the check despite it being issued by their bank. The other individual named on the check contacted Bank of America XXXX, the check 's source, and was advised that it should clear in my account, which did not happen. I request a written explanation for this denial. If there is no policy supporting this denial, I request that the funds from the check be deposited into my account.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, Please be advised that I have received our computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on XX/XX/2023 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me-not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2023 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-05-26
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. (MO)

I have the XXXX XXXXXXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$280.00} XXXX XXXXXXXX {$26.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$230.00} XXXX XXXXXXXX {$430.00} XXXX XXXX XXXX XXXXXXXX {$95.00} US DEP ED XXXX {$5000.00}
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc. (CO)

I purchased a home using Zillow Home Loans in XXXX. I received a notification in the mail that my mortgage was transferred to XXXX XXXX  effective date XX/XX/XXXX ; however, I still got a bill from Zillow Home Loans at the same time as I got a bill from XXXX. 

I called Zillow and they insisted they have no record of the my loan being transferred and i should continue to pay them. Which I did. 

On XX/XX/XXXX I received an urgent call from XXXX telling me that they are starting the collections process for not paying them the payment. 

Based on the aforementioned letter I received, and after doing some research and confirming XXXX XXXX is a legitimate mortgage lender I made my payment to them stopping my payment to Zillow. I contacted Zillow and after speaking to multiple reps who were not equipped to say anything except reading from their computer screen " no sir, your loan is with us '' I was finally escalated to a manager on or about XX/XX/XXXX who confirmed that the system may not have been updated to reflect the transfer and entered an research request. I was supposed to be contacted with a resolution on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I received a collection call from Zillow. It took another 30 min on the phone for the person calling to realize that there's a case open so maybe they shouldn't be trying to collect. 

By the way the service provided by the reps is definitely sub par because every time I explain to them what is going on, they ask me " So what is your reason for not paying? '' Right after I spent 15 min explaining that my loan was transferred and I'm paying the new company and that I will not be paying my mortgage to two different companies. Zero listening skills. 

I contacted Zillow again on XX/XX/XXXX thinking I would give them a little extra time to research the issue. They got me to a manager who confirmed that the case is still open though that should not have been the case as it was supposed to be complete on XX/XX/XXXX. The manager I spoke to on that day was helpful in spite of her trying to talk over me for most of the conversation and entered another research request which is still not resolved at this time.
Consumer complaint received 2015-07-10
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

In early XXXX 2015, I applied for a home loan at the Wells Fargo XXXX XXXX with XXXX XXXX. To this date I have not received any letter, phone call or email as to the status of my application. I understand if I did not qualify for amount requested ; however, I do expect a notification as to why or what amount if any I qualified for. It has been over 5 months and I believe my application was bluntly discriminated against ; I am protected under the Fair Lending Act. I was told to get a second signer because with my income I did not qualify, when I got my father to agree to be a co-signer my application was still denied.
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

My wife and I borrowed to buy our home from XXXX XXXX XXXX XX/XX/XXXX. She passed away suddenly on XX/XX/XXXX. My mortgage had been purchased by Wells Fargo Home Mortgage several years prior. The people denied all help and even made reference to my XXXX marriage saying I could use my " XXXX '' as an excuse to blame their treatment of me after my wife of almost 20 years passed away. The person that make the insulting statement was XXXX XXXX. He spelled it for me.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one auto finance is attempting to ruin my credit on purpose. I had an auto loan with them. My car was totaled in 2020 capital one incorrectly billed me and reported a balance after car was paid I disputed the charges numerous times to no avail. Subsequently we came to a settlement amount. The account was fully paid last week. After that I filled a XXXX  complaint requesting capital to reflect the account was paid. After that complete was processed capital one restricted access to my account. I paid the account last week. Today I was alerted the account was reported as delinquent and dropped my score by XXXX points. I'm so upset. This is so Wrong. The account is paid. And they have reported it as delinquent. I will make complaints daily to every government agency possibly until this is fixed. I feel this was done out of retaliation due to my previous complaints. This is so wrong. The account is paid. You all have restricted access to the paid account and have reported incorrect information I will get a lawyer involved. I have already made complaints to the nys attorney general. This company has caused my home buying process to he halted due to reporting to the credit bureaus incorrect info which resulted in an immediate XXXX point drop. This is so wrong. I want this fixed. 
Please help I don't know why they are doing this me!!
Consumer complaint received 2024-02-14
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. (GA)

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. Further they failed to address all of the accounts that were disputed including a public record which they have zero written authorization from me to be reporting to my credit report. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX  | Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX  | Account # : XXXXXXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX Account # : XXXX & XXXX
Consumer complaint received 2021-04-29
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), this company is required by federal law to verify, through the physical verification of the original signed consumer contract. This has not been produced, nor has account has not been validated, in the allotted timeframe. I have yet to hear a response from company. I demand deletion of this account
Consumer complaint received 2016-08-25
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: WELLS FARGO & COMPANY (CA)

I had a credit card with Wells Fargo when to a tough situation then i try to settle the account and they wont take any mere payment on this account they toll me they are doing a XXXX on the collection but the balance still showing on my credit report i will like for the account to said closed at zero amount I am fixing my credit
Consumer complaint received 2017-05-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (FL)

We were making payments as agreed  with GM Financial on our account for the balance left on our vehicle that was a voluntary repossession . They wanted to raise our payments & provide additional credit towards our balance. They also offered a settlement option  XXXX   2016 . Based on the information they provided at the time, I agreed to the settlement. I am attaching supporting documentation for the {$9000.00} settlement. I took the amount out of my pension account & considered the debt weighed more than the the tax penalty. In  XXXX   2016  we received the settled in full letter. In addition without ever notifying me through this process, we received a  XXXX  for {$8000.00}. This was double impact to our taxes. I called  XXXX  & inquired as to why we were sent the  XXXX  & was advised that IRS required it to be sent out end of story. They failed to disclose this detail when they offered the settlement. I would have never proceeded with the settlement offer & would have worked out an acceptable revised payment plan. I am now faced with tax penalty on my retirement & additional taxable income based on the  XXXX . This was very negligible on their part & I hope you are able to assist with reversing the  XXXX  due to non disclosure. Thank you
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (CA)

I paid off a vehicle loan via ACH on XXXX XXXX, 2016. Funds were debited from my bank account on XXXX XXXX, 2016, Therefore, the lender had no right, title or interest in the vehicle from that date forward. It is now XXXX XXXX, 2016, and I still do n't have the title. There is no excuse for GM Financial to hold a title for so long after a payment is made, in today 's world, when payments are routinely processed overnight, especially in light of Check XXXX. A couple days, maybe, to be sure payment cleared, but three-four weeks is excessive.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (PA)

On XX/XX/2018 I called Loan Depot and spoke to XXXX XXXX XXXX at XXXX ( XXXX ) XXXX. I wanted to refinance my mortgage to get a lower APR. I had XXXX XXXX 's direct telephone number because I had spoken to him previously. On the same date he charged {$10.00} to my credit card as an application fee. He called me back later after checking my credit and said I was eligible to refinance. He asked for a copy of my current mortgage statement, declaration page of my homeowner 's insurance and a copy of my government annuity statement. I faxed these things to him on XX/XX/2018. On XX/XX/2018 {$370.00} was debited from my checking account for an appraisal. Before all of this was done, I made XXXX XXXX aware that my credit score was low because I had closed 4 credit card accounts and am working with XXXX XXXX XXXX to get out of debt and raise my credit score. On XX/XX/2018 I received a phone call from a woman, whose name I didn't get, stating she was sorry that they would not be going through with the loan because of the money that is being deducted each month by XXXX XXXX XXXX. They believe I have excessive obligations in relation to my income. She told me I would receive {$370.00} back. I received the paperwork from them dated XX/XX/2018 stating " Adverse Action Notification '' but still have not received my money. I called XXXX XXXX at least 10 times and had to leave messages asking for my money but he doesn't respond. I called Loan Depot 's customer service,XXXX ( XXXX ) XXXX, on XX/XX/2018 and was told they are not sending the {$370.00} to me because an appraisal was done. I have not seen an appraisal and don't want one. I just want my {$370.00} back. They knew from the very beginning they were not going through with the loan. This was their way of getting money from me for nothing. Loan Depot is a rip-off company and I will make sure to tell as many people as I can. Would you please look into this matter. Thank you for giving this matter your time and attention.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (CT)

I have tried multiple times to dispute with XXXX  and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt. All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it. Please help me with this collection as it is hindering my credit score. 

I am providing you permission on my behalf to have this frivolous debt deleted immediately! 

The creditor has not been able to provide proof of my signature or contract. 

PLEASE DELETE
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I am submitting substantial proof that my XXXX credit card account is current and paid as agreed. I contacted XXXX in regards to a deragatory remark that is on my credit report. I received this supporting documentation that the account is current and remark to be removed. This account is showing as potentially negative when it should be showing as account that is satisfactory.