davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I had a Capital One Quicksilver credit card for several years. On XX/XX/XXXX, with the balance at {$0.00}, I closed the account. Today, XX/XX/XXXX, I got a notice from Capital One that I had a balance of {$79.00}, which includes a late fee. I was on the phone with them for more than 1 hour. Two people confirmed the account was closed and a charge -- from a magazine that I did not authorize to renew my subscription -- should not have gone through. I talked to a supervisor who said my account was open in XX/XX/XXXX. It should not have been because I have checked many times to make sure the account was closed before I moved on to a card with a lower interest rate. My credit reports also show Cap One account as being closed. 

This is fraudulent practice on the part of Capital One and XXXX/XXXX  XXXX. I do not want any paper magazine ( climate change ) and only do digital magazines. Please look into this fraudulent practice and penalize Capital One for doing this. Otherwise, any business that I once dealt with could go ahead and run a charge and Capital One will let it go through -- even on a closed account -- and stick me with the bill. 

I am enclosing this most recent statement and a statement from XX/XX/XXXX that is showing {$0.00} balance. I can not get a XXXX or a XX/XX/XXXX statement because the account was CLOSED. 

Thank you for your help.
Consumer complaint received 2017-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AR)

My wife and I are currently in a bankruptcy proceeding. During such, we voluntarily went through a successful loan modification process. As it neared completion, I specifically requested multiple times, verbally, and in writing, that the new loan be given a different loan number to distinguish it from the old loan. Wells Fargo refused to fulfill this simple request. So, the old loan and the new loan both have the same loan number XXXX # XXXX XXXX. 

The new loan was effective as of XXXX XXXX, XXXX. The loan clearly states that as of the effective date that the old loan will no longer exist because the balance due on the old loan will be capitalized with the new loan. 

So, on Friday, XXXX XXXX, XXXX, I called to make my monthly payment. I was casually informed by the representative that Wells Fargo had ruled a Motion for Removal on XXXX XXXX with the bankruptcy court because we had allegedly not made any mortgage payments since XXXX XXXX. When I asked the woman to explain how this could be when we have, in fact, made timely payments on the new loan directly to Wells Fargo by calling in each time, she placed me on hold briefly and returned to say that I have indeed made these payments. However, they have been applied to the old loan and not the new loan. She then said that I am required to make payments on the new loan immediately to prevent foreclosure. 

I demanded multiple times that I be transferred to the XXXX XXXX representative that assisted us on our new loan. She refused each and every time to transfer me without delay. She instead just kept putting me on hold against my will. So, I had to get another phone and call the XXXX XXXX representative myself. When I got him on the phone and explained to him what was going on, he verified that he personally remembered that I had been making regular payments through him. So, he placed me on hold to research the issue. 

He came back to confirm that the SIX payments that we had made on the new loan since XXXX XXXX had all been applied to the old, non-existent loan. He also told me that the bankruptcy trustee had also been making payments that were also being applied to the old, non-existent loan. He further informed me that he was not able to correct these mistakes and that he was not aware of the exact process to do so. He asked me to fax over proof the I have made the SIX payments that I had made that two different Wells Fargo representatives have already confirmed were made. 

According to my XXXX XXXX Bank statements, here are the dates and the amounts that have been paid on the new loan, totaling {$2600.00} : XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$750.00} XXXX -- {$370.00} XXXX Confirmation # XXXX )
Consumer complaint received 2020-10-29
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. (VA)

I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I had a total of 8 accounts with Synchrony bank for a number of stores. I was never late on a payment and always paid on-time and often paid more than the minimum amount. due. To my dismay, I logged in to pay on one of my accounts and found that all my accounts were simultaneously closed for no apparent reason. My credit score didn't drop, I wasn't late on any of my other credit card accounts or car payments, nothing. I called Synchrony Bank once I learned about the account closures and they would provide me with no information whatsoever on why they made this decision. The account closures happened about a week after Synchrony gave me a balance increase on one of my accounts ( meaning I was in solid standing with them ).
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (NV)

On or about XX/XX/year>, I tried opening a checking account with Axos Bank through their website, and they subsequently requested the Primary Applicant 's XXXX XXXX XXXX in order to proceed with the application. On XX/XX/year>, I provided a copy of my XXXX XXXX XXXX XXXX and on XX/XX/year>, Axos informed me of their decision to deny my application unless I have a XXXXXXXX XXXX XXXX or XXXXXXXX XXXX
Consumer complaint received 2020-05-18
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. (IL)

I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with XXXX and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.
Consumer complaint received 2022-11-16
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. (MD)

XXXX  XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) Paid balance in full XX/XX/XXXX and still showing in my Equaifax and XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2020-05-18
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  and Experian should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received your 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. 
On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt.
Consumer complaint received 2020-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (MD)

I have recently applied and was approved for a personal loan with Marcus by Goldman Sachs. I was lured to their website via a marketing affiliate that they have. My goal was to use the funds approved to pay off another lender with whom I currently have a personal loan with. I went thorough a two step process of first getting prequalified and formal application for approval. In both of the steps, I was NOT disclosed or fully made aware that I can only use the funds to payoff a limited number of lenders or banks they they work with. I only came to knowledge of this information after receiving approval and when I attempted to set up the lender so that they can pay them directly, which is a requirement. I contacted their customer service and they advised that the only option I had was to pay off other lenders that are on their approved list or withdraw my application. I was not even offered the option to lower the amount of the loan since I had other debt obligations that I could use the funds to payoff or direct deposit to my bank so that I can use the funds to pay the other lender. I believe this " bait and switch '' practice is truly unfair and in violation of fair lending requirements. Please take my complaint seriously and investigate this further so that they can stop to deceive more borrowers.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I closed the credit card account on XX/XX/XXXX. 
I had a credit of {$1000.00} and I requested a direct deposit. 
I received the direct deposit into my checking account. 
From my point of view the case closed. 

Not for Citi : Citi had sent out a check over the same amount and charged {$1000.00} to my account. Citi paid out the credit twice? Why? I did not ask for that. 

I never received the check and I did not cash the check. 

On XX/XX/XXXX I called Citi and talked to a manager. 
She realized the mistake Citi had made and promised to cancel the check and reverse all charges. 

As of XX/XX/XXXX nothing has happened. 
I received a debt collection phone call on XX/XX/XXXX. 

It is important to me that nothing has been reported to the credit rating agencies. 
I don't know how I can verify that.
Consumer complaint received 2017-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (DE)

I am currently going through a financial hardship due to serious health issues. Many of my accounts are delinquent at this time. The calls are out of control with most of my creditors. However Synchrony bank is the worst. They call multiple times a day after I have advised them they do not have my consent to call my cell phone on an automated dialing system which is within my rights as a consumer under TCPA. It is my belief that they are in violation of FDCPA laws. They are leaving multiple messages on this same number multiple times a day. My understanding of these laws is that even if I have a multiple account relation ship with the company leaving one message a day is considered a contact. By law a message is a contact and they are only allowed one contact per day even if they did not speak to me. A voicemail is considered a contact under these laws. I feel as though this is an unfair practice and they are harassing me which is causing me added stress on top of all that I am going through right now.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I am submitting this claim requesting review regarding the recent CFPB fine issued to Wells Fargo for its past action of improperly denying mortgage loan modifications, miscalculating fees and other charges, and assessing unwarranted charges and fees. 

I was a Wells Fargo mortgage borrower on my primary residence from XXXX. I had a 1st and 2nd loan with Wells Fargo and tried for several months, calling daily, to have a loan modification approved during the XXXX XXXX I was denied a loan modification and short sold the house which resulted in great financial harm to myself for years to follow. I believed I am directly affected. 

Over the past 10 days I have reached out to Wells Fargo directly and was told all those affected have been or will be contacted. However, upon further question and answering with XXXX at Wells Fargo ( XXXX ) XXXX ext. XXXX I was told my specific account has been purged and the burden of proof lies upon me. 

How could I possibly be contacted as an affected consumer when my account has been purged? Who would review my account? How many other affected consumers are being denied proper review and justice? 

I am requesting the CFPB to look into my specific account and all others whose accounts have been purged.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX DEPT OF THE TREASURY Last reported XX/XX/XXXX XXXX Last reportedXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-21
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)

on XX/XX/2020 I submitted complaint for two accounts XXXX   XXXX XXXX with Equifax. I have no knowledge of this account. Equifax stated that they were able to verify but how if this account does not belong to me. XXXX removed it from my credit file because account could not be verify.
Consumer complaint received 2020-07-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Consumer complaint received 2020-12-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (HI)

The Complaint is against Ocwen Loan Servicing. Ocwen loan servicing is engaging in mortgage back securities to defraud investors which is a federal crime. Ocwen loan servicing fraudulently created mortgage back securities to defraud investors. Please see attached letter from Ocwen ( Exhibit 1 ) On XX/XX/XXXX see attached notice of ownership change from Ocwen claiming they transferred dated XX/XX/XXXX to XXXX pass-through trust  XXXX. The letter states Its for informational purposes only and required by federal law. It also states the transfer of ownership has not yet been publicly record. ( See Exhibit 2 ) On XX/XX/XXXX ( Years after the trust was closed ) Ocwen fraudulently created a corporate assignment of mortgage from XXXX XXXX to XXXX not in its individual capacity but solely as trustee of XXXX pass-through trust  XXXX see attached ( exhibit 3. ) Ocwen loan servicing created fraudulent mortgage back securities and sold it in the stock market to investors. The assignment was never recorded under XXXX XXXX as trustee in XXXX  land  Court bureau of conveyance. The consumer financial protection bureau and Securities and exchange commission should Immediately investigate Ocwen loan servicing for creating fraudulent mortgage back securities and defrauding investors which is a Federal crime. If XXXX XXXX  is trustee for the XXXX Passthrough trust XXXX then Ocwen loan servicing needs to produce a recorded assignment in the name of XXXX as trustee on or about the closing date of the pooling and servicing agreement. I am asking the CFPB to immediately look into these fraudulent mortgage back securities that XXXX XXXX, Ocwen, XXXX XXXX XXXX and XXXX are engaging in. Im asking Ocwen loan servicing through CFPB ( Consumer financial protection bureau ) to provide a copy of the recorded assignment showing XXXX as trustee for the XXXX Passthrough trust XXXX as required by the pooling and servicing agreement. We have many unrecorded fraudulent assignments that Ocwen created to produce fraudulent mortgage backed securities with no clear title of the property. Ocwen loan servicing should stop creating unrecorded assignment of mortgages to engage in mortgage backed securities fraud which is a federal crime. I'm asking the CFPB or the proper entity ( Security and exchange commission ) to immediately investigate Ocwen loan servicing in their mortgage back securities fraud.