davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NM)

I started a refinance XX/XX/2020. My file went to closing on XX/XX/2020. The closing agent, XXXX XXXX, all but refused to call anyone other than her contact at the title company for almost three weeks. She only called someone else once I complained to my loan officer, XXXX XXXX, and called the title companies in my area. She was informed by the manager of the title company her contact no longer worked there. She then sent the request to a local company, XXXX XXXX. After a few days I called the title company to ask about the progress and was informed there was no open order. I told XXXX and she told XXXX who finally called XXXX XXXX and was informed she was given the wrong contact information and had to resend it. On XX/XX/2020 she was asked some questions but didn't answer until XX/XX/2020 at which time she was asked if a survey was needed. She didn't answer that until XX/XX/2020 by having XXXX contact me to request the survey. I have had to resend documents because they expired and resign documents because they were wrong. Every time a request was made of me I complied. When I complained on XXXX I finally got a call from XXXX to get more information from me and that someone would call me tomorrow ( XX/XX/2020 ). It is now XX/XX/2020 and I have yet to receive a call. It has been two and half months since my file was sent to closing. I finally closed on XX/XX/2020 but still have yet to receive a call from M & T Bank about the problems and delays I had. Throughout this whole process I either talked to or tried to get a reply from five different people. Only one was willing to always return any correspondence either phone, text, or email.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2015-03-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO AND XXXX XXXX XXXX XXXX HAVE INITIATED FORECLOSURE ACTIVITY AGAINST ME ON BEHALF OF XXXX FOR THE BENEFIT OF THE HOLDERS OF THE CMLT XXXX. HOWEVER, XXXX IS NOT A VALID BENEFICIARY WITH THE AUTHORITY TO DIRECT QUALITY LOAN TO EXERCISE THE POWER OF SALE UNDER MY DEED OF TRUST. THEREFORE, THE RECENT FORECLOSURE DOCUMENTS FILED ON XXXX BEHALF ARE NULL AND VOID. 
OUR FORENSIC MORTGAGE LOAN AUDITOR UNCOVERED IRREFUTABLE EVIDENCE THAT XXXX NEVER RECEIVED EFFECTIVE ASSIGNMENT OF MY MORTGAGE LOAN FROM WELLS FARGO, THE ORIGINAL LENDER. SPECIFICALLY, WELLS FARGO SOLD MY MORTGAGE NOTE AND DEED OF TRUST IN XXXX, FOR FULL LOAN VALUE, TO XXXX AS INDENTURE TRUSTEE FOR THE CMLT XXXX MORTGAGE-BACKED SECURITIES TRUST. FOLLOWING THIS SALE, WELLS FARGO LOST ALL TITLE TO, AND INTEREST IN, MY MORTGAGE LOAN. NEVERTHELESS, IN XXXX, XXXX, WELLS FARGO EXECUTED A CORPORATE ASSIGNMENT OF DEED OF TRUST ATTEMPTING, ONCE AGAIN, TO TRANSFER MY DEED OF TRUST, BUT NOT THE NOTE, TO XXXX AS TRUSTEE FOR THE CMLT XXXX TRUST. WELLS FARGO ATTEMPTED THE ASSIGNMENT TO XXXX XXXX 6 YEARS AFTER THE CLOSING DATE OF THE TRUST ( XXXX XXXX, XXXX ) BECAUSE THE TRANSFERS AMONG THE PARTIES TO THE SECURITIZATION TRANSACTION WERE MADE WITHOUT THE REQUIRED ENDORSEMENT OF THE NOTE. THE XXXX ASSIGNMENT WAS A SCHEME DEVISED BY WELLS FARGO AND XXXX TO COVER UP THE BOTCHED SECURITIZATION IN XXXX. XXXX ACKNOWLEDGES THAT A BORROWER IS A PARTY TO THE SECURITIZATION TRANSACTION. THEREFORE, I HAVE THE RIGHT TO RAISES DEFECTS IN THE ATTEMPTED SECURITIZATION OF MY LOAN. SEE ATTACHED US BANK BROCHURE. 
ASIDE FROM THE FACT THAT WELLS FARGO HAD NO INTEREST IN MY MORTGAGE TO CONVEY TO ANYONE IN XXXX, THE CORPORATE ASSIGNMENT IS INVALID, NULL AND VOID FOR THE ADDITIONAL REASON THAT ONLY MY DEED OF TRUST WAS PURPORTEDLY TRANSFERRED TO XXXX. ASSIGNMENT OF THE SECURITY INSTRUMENT WITHOUT THE DEBT ( NOTE ) IS A LEGAL NULLITY. THIS IS BECAUSE THE SECURITY INSTRUMENT FOLLOWS THE NOTE BUT NOT VICE VERSA. THIS HAS BEEN THE COMMON LAW RULE FOR OVER 100 YEARS. SEE IN RE STAFF XXXX., XXXX XXXX XXXX XXXX, XXXX ( XXXX. XXXX ) ( IN CALIFORNIA, " [ A ] DEED OF TRUST IS A MERE INCIDENT OF THE DEBT IT SECURES AND ... AN ASSIGNMENT OF THE DEBT CARRIES WITH IT THE SECURITY '' ). " AN ASSIGNMENT OF THE NOTE CARRIES THE MORTGAGE WITH IT WHILE ASSIGNMENT OF THE LATTER ALONE IS A NULLITY ''. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. ACCORD XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX, XXXX ; UCC ARTICLE XXXX ( G ) .THE COMMON LAW RULE HAS BEEN CODIFIED IN CALIFORNIA STATUTORY LAW. CAL. CIVIL CODE SECTION XXXX ( ' [ T ] HE ASSIGNMENT OF A DEBT SECURED BY MORTGAGE CARRIES WITH IT THE SECURITY '' ). 
THE FORENSIC AUDIT OF OUR MORTGAGE LOAN ESTABLISHES CONCLUSIVELY THAT XXXX NEVER RECEIVED AN EFFECTIVE ASSIGNMENT OF MY LOAN AND IS NOT OTHERWISE A " PERSON ENTITLED TO ENFORCE '' MY MORTGAGE WITHIN THE MEANING OF THE ARTICLES XXXX AND XXXX OF THE UCC.
Consumer complaint received 2015-10-15
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Purchased a french bulldog puppy on line for wife 's birthday. XXXX MoneyGram transactions. To arrive today at our address. Did not arrive. Phone number not answering. Internet search revealed a second site with same pictures of the puppies ... same descriptions, etc. Suspect fraud.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I HAVE DISPUTED THIS INACCURATE ACCOUNT SEVERAL TIMES WITH ALL XXXX CREDIT BUREAUS THE ACCOUNT IS XXXX THEY HAVE THE OPEN AND CLOSED DATES AND BALANCE REPORTING DIFFERENT ON MY CREDIT REPORTS ALSO THE ACCOUNT HAS BEEN CHARGED OFF SINCE XX/XX/2010 THEY SAID THEY HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT SENT ME ANY DOCUMENTS VERIFYING THIS ACCOUNT THE STATUE OF LIMITATIONS HAVE EXPIRED FOR THIS ACCOUNT
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

After resolution of fraud with 'citibank XXXX card in XXXX, further fraud charges were made in XXXX Apparently XXXX, XXXX and XXXX Of XXXX. I received an e-mail XX/XX/XXXX of XXXX notifying me of this matter, I am remitting this further fraud and have closed 'best buy ' citibank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to prevent further fraud.
Consumer complaint received 2022-07-19
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. (NC)

Someone pretended to be an employer from XXXX. Hired me, then sent me a welcome packet which consisted of me filling out an XXXX, direct deposit slip, etc. I wrote a report for them and never got paid, that was when I realized the whole thing was a scam. It was too late, they had all my personal information. I told them I was on to them that was when they deleted all accounts. 

I have XXXX inquiries that I did not authorize : ( some are duplicates ) XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, These are incorrect names that are on my credit report : XXXX XXXX, XXXX XXXX, Accounts that are fraudulently on my consumer report : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, Incorrect Addresses reported on my consumer report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau 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 remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/21, Zelle transferred {$490.00} from my checking account to someone named XXXX XXXX. I do not nor have I ever had a Zelle account. I do not know XXXX XXXX. 

My bank was notified XX/XX/21 that this transaction was made without my approval. The transaction was not stopped. I phoned Zelle to make them aware, but was told this was an issue I had to take up with my bank. They would not help me.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Resolution Corporation (MO)

On XX/XX/2017 I received a response from a debt validation/hippa request letter I sent to Account Resolution Corporation. They responded with a mere screen print out which does not include contract I signed with the original creditor which is what I requested in my initial validation letter. This company also included medical information that they should have no access to under the hippa privacy laws. I may be submitting an additional complaint pertaining to that matter as well.
Consumer complaint received 2016-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I have talked to the first collection agency XXXX XXXX XXXX about this same debt and I have sent proof and documents that this account does not belong to me and its is not me debt, and they have since remove the account. 
Now I see on my credit report that another collection agency Enhanced Recovery Company or ( ERC ) sent me a notice in the mail on XXXX XXXX 2016 stating that I owe this debt. 
I am sending a letter along with this complaint to the CFPB and the FTC to say that this debt is not my debt and I never authorized any debt from XXXX nor ERC. This letter to ( ERC ) in response to an unauthorized traded on my Credit Reports. Be advised, this is a refusal to pay, because I never authorized or open any trade with your company or the original creditor, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I am starting to notice the deceptive practices that these collection agencies continue to mislead and deceive consumers and how nothing is being do n't to stop it. This is a violation of my rights under the FCRA and needs to stop.
Consumer complaint received 2016-07-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OH)

Applied and approved for a loan from Big Picture Loans in the amount of {$800.00}. When signing the finance agreement, It only mentioned a single finance charge of {$280.00} which was acceptable which is about 35 % Interest. Through a bate and switch, I discovered that I would have to pay 5 payments of {$280.00} which the lender calls a finance charge which has little to no impact on the principal. The truth in lending that was not present at the time of signing shows a 989 % APR with {$6000.00} in finance charges and a {$6800.00} in total payments. I 've called the lender 5 times to resolve this issue and each time received numerous runarounds and call disconnects.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I contacted TransUnion Online Dispute center that they were not reporting an auto loan that I have had for 2 or 3 years. The other XXXX credit reporting agencies are and there is a big difference between my credit scores with them and with TransUnion. Them not reporting is hurting my credit. They said it would take 30 days to investigate and after more than XXXX, they sent me an email to go to the website. On it was an updated credit report NOT showing again my auto loan and no explanation or anything else. The only updated items on report was its date and my recent address in XXXX. I believe they just want people to grow tired of contacting them and give up. I went through a bankruptcy in 2010 due to the economic conditions. I have worked very hard trying to get back in the system with good credit. I simply do not understand the big deal with them. All they are doing is including an auto loan that is an important part of a credit analysis.The other XXXX agencies are reporting it. I would attached any of the company 's investigation or comments But there are none. It just shows same credit report with my XXXX address.
Consumer complaint received 2016-10-23
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I was trying to log into my account to see what my balance is because I received a letter from a third party collection agency but have yet to receive any billing notification from Cash Central. When I was finally able to get in touch with the company they gave me a phone number to a company that does not even exist.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

Harassing phone calls from well Fargo mortgage on a dealer system after telling them numerous times that i do not want my cell phone on the dialer .... It is XX/XX/XXXX which my payment is due on the first not even past my due date and I have gotten 12 calls this month already Not to mention the payment that was proceeded thru my checking with out authorization
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION (NY)

I was notified 6 months ago by the borough where my building is located that my taxes were in arrears. The taxes are paid through the escrow account at BankUnited so it is not something I reviewed on a consistent basis. I had not received any past due notices from the borough because they were sending them to the previous address where the XXXX was formed and not to the physical address where the building is located. I immediately notified the bank. After many calls and many months of waiting, I was informed that in 2019 in some sort of mishandling the borough returned the check to the bank and stated it was an overpayment. No one from the bank called me to help in solving this obvious error. The bank continued to pay but all payments were applied to the old balance. 
Unfortunately for me this came to penalties and interest that the bank said was my problem. In order to avoid any more problems with the borough and because the bank refused to accept any responsibility I paid over 4,000.00 in penalties and interest.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

There is a judgment being reported by Equifax Credit Bureau from XXXX XXXX XXXX. The Credit Bureau insists that they have verified this information however the court asserts they have not. The case was dismissed without prejudice with no judgment and the bureau continues to report this information. It is Judgment with CIrcuit Clerk - Case ID XXXX
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (MA)

We closed our previous Wells Fargo Cash-back credit card ( with XXXX balance/credit ) so that we can take advantage of the Rewards Visa Signature credit card with six months promotional XXXX % rewards on Grocery, Gas Station, and Drugstore purchases. Wells Fargo employed the bait-and-switch tactics to deny our promotion without any rationale. 
XXXX We demand WF provide us the promised full six-month promotion on our new WF XXXX Visa Signature card!!
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA XXXX XXXX XXXX, has used my name and written insurance claim checks in my name but with the incorrect birthday ( the year is not correct ) on three different claim policies. 

XXXX {$10000.00} XXXX {$3700.00} XXXX {$6000.00} The information was used at an address I do not dwell in and is hindering me from getting homeowners insurance for my home i just purchased XX/XX/2022. When I called for assistance in getting this information corrected the company could not help because I did not know the security questions that the individual has used. 
I want XXXX XXXX XXXX XXXX to be notified too because they are the Mortgagee company
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WV)

According to the Fair Credit Reporting Act ( FCRA ) the public record ( Dismissed Chapter XXXX Bankruptcy ) was to have been removed from credit file XX/XX/XXXX. EQUIFAX is the only credit bureau who has not complied. Their action continues to have a negative impact on credit scores. 
I continue to dispute EQUIFAX Hard Inquiries. EQUIFAX continue to comment that these hard inquiries are factual records of file access and if I believed these records were unauthorized for me to contact the creditors. I have done this on several occasions. 
Credit files : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-02-04
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. (TX)

After being denied credit, I pulled my report and noticed several loans I did not obtain. All loans were taking out during the same time frame, obtained online and used my old address, a different variation of my name and or the wrong or variation of my social ( ex : just the last XXXX digits but not the full social ). 

I contacted the credit bureaus and was told to obtain a police report, get a signed affidavit of identity theft and report the accounts to the federal trade commission. per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

In turn the bureau did not : 1 ) properly investigate my claim 2 ) will not inform me of whom they spoke with concerning their so-called validity that these accounts belong to me. 

All the bureau did was place an identity theft alert on my file BUT told me I wasn't an identity theft victim which makes zero sense!!!! XXXX of the accounts, have been removed/blocked before but the bureau keeps allowing the reinsertion without proof it is mine and despite the fact they keep changing their name but has the same account number.