davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

We are a HUD approved housing counseling agency and we submitted a loan modification package to Di-Tech Financial LLC on behalf of the client on XXXX XXXX, we were consistently following up with the lender submitting documents that were needed to complete the file. DiTech place a foreclosure sale on XXXX XXXX. On XXXX XXXX I spoke with the SPOC on this file and she confirmed that the last documents were received and there was no sale date. The homeowner then sent us a email on XXXX XXXX stating that her home was sold on XXXX XXXX, I then called back into Ditech spoke with the SPOC and she reconfirmed again yes it was a hold on the sale date, however Ditech went through with the sale and hung up rudely in my face I then called back in to make sure she just did not hang up in my face on purpose and the same SPOC said yes the home was sold and hung up again in my face. I truly understand there is never a guarantee that a modification will be done to help a homeowner, but the homeowner SPOC confirmed not once but twice that there was not a sale on this property and she was very very very rude in her communication. No homeowner deserves that treatment rather they are current or behind. We need this foreclosure to be rescinded.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

In the last Few days of XXXX, I called Wells Fargo Home Mortgage to see if I could get two quotes.

The nice young salesman helped me get two quotes where I provided him my specific Taxes and Insurance per month. 

The two Loans ; XXXX at a XXXX where the payment was {$2600.00} in total including my {$1100.00} a month in Taxes and Insurance. 

or XXXX at 3.75 % @ {$2800.00} a month where I would receive about {$38000.00} with the same T & I. 

I immediately provided all documents online and agreed to the terms of the second loan. 

We went over the payments and then the salesman asked for {$570.00} credit card payment for an appraisal. He said once I do the appraisal I can't get refunded. 

Next day, I receive the XXXX and it has an estimate of my taxes and insurance some {$300.00} less a month yet a monthly payment of {$2600.00} a month. 

I immediately call up the salesman and explain that this is wrong. He checks what amounts are known in the system and agrees with my numbers. 

He winds up calling me back and saying, they 'DO this all the time, the system estimates taxes for the quote ''. I said I gave you the actual and you acknowledged that before and here after. 

The rates have gone up 1/4 point since this nonsense. 

This escalated to an underwriter and then on to the Executive team. The executive team said they would make a decision after looking at it by XX/XX/XXXX. They called me today and said they don't guarantee any estimates. Too bad and you can't get all your money back even though you did not even schedule the appraisal. 

I gave my credit card a charge back. 

Two issues here ; 1. After 2008 Wells Fargo of all players should know better. They cant be trusted to self govern their practices when they have a system that in their words " Automatically makes up a number relative to the area '' even when provided the actuals. They must be stopped.

2. I lost a significant amount of money here by their delay and fraud. 



XXXX XXXX XXXX
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX Bank, Bank XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 2022-02-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

Ally admits to the forgery as XXXX says, I went in to the dealership and signed these papers on the XXXX of XXXX with electronic signatures. 
XXXX admits that ally forged my signature because I was not involved with any transactions on XX/XX/XXXX at the dealership.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Progreso Financiero now known as Oportun has been harassing me to pay by calling not only my references but also my employer. I receive calls about 10-15 times per day and rarely do they leave a message. The only time they do leave messages is if they were able to speak with someone. They leave messages saying that it is an extreme emergency that they get a hold of me to discuss business matters regarding my account. This company has very poor customer service. Oportun should not be disclosing any of my private information with any of my references much less my employer. Oportun has violated my privacy rights.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc (NY)

I do have a current contract with the company, FlexShopper, that requires weekly payments. They call on a daily basis, upwards of 10 times per day. They leave automated voicemails and text repeatedly. The debt is not in question, but this is bordering on harassment at this point. Last communication was today XX/XX/23 via text message.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (GA)

There is a collection amount showing on my credit file for {$120.00} with Debt Recovery Solutions. Although the amount is not much, it is not mine and I should not have to pay or suffer from the negative impact it has on my credit because the account is not mine. I have been disputing this debt for months now. I have sent several letters to the collection agency as well as the credit bureaus, asking for some type of information on this debt. I have sent letters asking for the original contract with my signature, I have not received any communication from the collection agency or the credit bureau who allowed them to place this on my account without validation. This debt needs to be removed from my credit file immediately because I have no knowledge of this account.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has ignored my request to provide me with the documents that their company has on file that was used to validate and verify the accuracy of the payment history on the accounts that I disputed. Since this has been in dispute since XXXX, well past the 30 days permitted and they can not verify the accuracy of their reporting they are required to " ... promptly delete all information which can not be verified '' per FCRA Section 611 ( XXXX ) ( A ). Please resolve this matter immediately. Thanks in advance.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have some accounts on my credit report that are not mines. I can not dispute online per Trans union. Trans union is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX XXXX, shows on credit report as a charge off not XXXX but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX .
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Ive attached a generic decision on my mortgage application from Wells Fargo Mortgage. The letter had absolutely nothing to do with their decision to not approve my loan ( as you will see from my letter attached to XXXX XXXX XXXX of XXXX XXXX XXXX. 
My loan had been approved and scheduled for closing. I received an email on XX/XX/XXXX from XXXX XXXX ( Mortgage Closer ) stating " Hey XXXX please make cashier 's check out to XXXX XXXX, XXXX ''. My closing was scheduled for XX/XX/XXXX ; four days prior to closing Wells Fargo ask for my tax returns and told me two days before my scheduled closing there was a problem with my tax return and therefore I will not be closing. Never stated what the problem was that would cause the closing to be cancelled two days before closing. Totally unprofessional and unacceptable.

Which underwriter failed to request these documents in a timely manner? There was a divorce decree involved with detailed time guidelines. 
This isn't the way you treat a customer that's had two mortgages with Wells Fargo since XXXX and never been late on any payment. 
Wells Fargo had every right to not approve my loan based on their findings. XXXX XXXX of Wells Fargo stated to me after he told me what happened, " yes XXXX this information should have bye requested earlier ''. 


XXXX XXXX XXXX
Consumer complaint received 2016-06-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: DISCOVER BANK (NJ)

Discover Student Loans auto dialer calls four times a day five days a week. No messages are left, these calls are made before 30 days have passed since bill due date. Even being instructed to reduce the call rate they say they ca n't.
Consumer complaint received 2022-02-09
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. (AL)

I have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I owed a debt to XXXX XXXX XXXX, Account # XXXX. I paid this account in full, XXXX balance, per the attached letter. Equifax has been notified many times, and refuse to change verbiage or balance.
Consumer complaint received 2024-02-12
Product: Credit reporting 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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-02-09
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. (AL)

I have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.
Consumer complaint received 2017-03-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

HSBC refuses to confirm the date my account was opened. Per their terms, there is no early closure fee to close the account after 180 days. I opened my account ( opening deposit processed ) on XX/XX/XXXX. I should be able to close the account on XX/XX/XXXX with no fee, yet I am being told I can not close it without a fee until XX/XX/XXXX.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

When I applied for a mortgage loan I found out that there were XXXX items on my credit report related to medical bills. Both items have been paid in full through my insurance and the balance paid by me. Yet both appear on my credit report as a debt that is in collections. I have checked with both offices and they indicate a zero balance.
Consumer complaint received 2022-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is tied into complaint XXXX that was already filed. 

On XX/XX/XXXX I reported I received a credit card that I did not request. I reported the card to Capital One as fraud and identity theft. They stated the account was cancelled. 

Today XX/XX/XXXX I received 10 different letters from Capital One that they closed 10 other accounts that were opened in my name. I did call and the fraud department confirmed 10 other accounts were flagged and closed. 

I have fraud/identity theft alerts with all agencies. I also have this with XXXX XXXX How were they able to open this many accounts and not be flagged? I received no contact from any of the agencies to authorize these account nor did I receive notice that these accounts were opened until I received the fraudulent card.
Consumer complaint received 2022-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: DriveTime (OH)

Drivetime, XXXX XXXX  and XXXX XXXX XXXX all have extorted me by breach of fiduciary responsibility in handling this trust account that was created via my social security cestui que trust. I as the consumer and beneficiary received no benefit of all these unlawful actions taken against me to liquidate my trust, also filling fraudulent tax forms to help aid in there fraud against me. As stated in 16 CFR 433.1 ( i ) i only held the instrument that evidences the a debt arising from the financed sale. The contract that was defaulted on was a contract between the seller and creditor as defined in 16 cfr 433.1 ( F ). I am in fact the holder in due course and have claims and defenses i can and will be asserting against this dealership for unfair and deceptive act and practices done against me as stated in 16 cfr 433.2.
Consumer complaint received 2016-06-12
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Santander Consumer USA Holdings Inc. (FL)

My XXXX XXXX was repossessed XXXX XXXX, XXXX. Upon attempting to recover my car from Santander Consumer Financial, I was given no direct answer or explanation except that storage fees, repair costs, and a deductible totaling {$2300.00} had been paid to XXXX. My car was auctioned off XXXX XXXX, XXXX and the balance has been sent to collections. In a great effort to recover my car, I provided Santander with many documents to reverse the repossession. In XXXX, I was told through Santander Collections my car was impounded from XXXX XXXX XXXX because XXXX XXXX alleged that XXXX denied my claim for repair costs. Neither organization followed protocol and my Consumer rights have been denied resulting in surmounted life issues. My credit has been affected and my personal life has faced serious problems without having transportation.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax refuses to remove fraudlent accounts from my credit report. I have disputed items for over servals years with Equifax. I have supplied Equifax with a copy of my ID, Police reports. I was a victim of identity theft., which includes bantruptcy proceeding appearing on my credit report. I placed a fraud alert on my file back in 2004 when my identity was first stolen which I kept in place for seven years. I just recently placed a another fraud alert and file block due to the same occaurance of identity theft and I filed another police report to update any new activities. Information is not mine identity theft, fraud. Attachments you will find last 365 days of disputes which I have filed with Equifax. All disputes states reason showing Not my account or bankruptcy. XXXX XXXX XXXX acct. XXXX was, Reinserted previously deleted. Equifax placed duplicate XXXX XXXX XXXX accounts on my credit file which appear in negative and closed column. Equifax has committed countless criminal acts, .regarding my credit file. Numberous FTC VOLIATIONS. and Improper use of my credit report.
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Debt collection for an old credit card debt, XXXX XXXX XXXX has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.
Consumer complaint received 2016-09-29
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

I was a victim of fraud due to information being received from a scammer utilizing XXXX. I have contacted ace cash express and have spoken to the correct company that has my loan. Unfortunately, I have attempted to gain contact to these individuals and filed a complaint with XXXX XXXX.
Consumer complaint received 2017-01-23
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (FL)

I purchased ( 4 ) {$500.00} Visa Gift cards from XXXX on XX/XX/XXXX. I have not received the cards as of today, XX/XX/XXXX. I opened an investigation with XXXX/Blackhawk Network and was informed that the cards were registered in someone else 's name and were completely used. 

I received letters in the mail stating that Blackhawk did not find the transactions to be fraudulent and are denying my claim. 

I 've neither received the gift cards I ordered nearly 2 months ago nor have I received a refund to my credit card.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2002 I submitted a dispute with USAA for charges of {$280.00} to my checking account via debit card debit that I had not authorized from a company I have had business with and had decided to ilegally charge my account after leaving them a negative review for their services. USAA took over a month to process the dispute, only to request more information, which was information already provided, and then deny the dispute without refunding my money. I have been a USAA customer for over 21 years without issues and now they decide to allow someone to steal from me. Seems like they did not do any investigation whatsoever and just denied the dispute. Have they don't their investigation, they would have seem that the company did not have any right to debit from my account since I had not given them permission to debit anything, so they wouldn't have any receipt or authorization allowed by me. In addition, I did provide documentation of any payments given to the company, which were not even in the same amount of what the company debited without permission. This is simply fraud and USAA is allowing it.