davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

My wife and I submitted a mortgage application to Wells Fargo Bank for an Investment Loan in early XX/XX/XXXX. The mortgage was approved by Wells Fargo Bank per a commitment letter dated XX/XX/XXXX. The letter noted that as a Condition of Loan Approval Lender to receive a Satisfactory HOA Certification/Form 921. The condition was noted as SATISFIED. 

In XX/XX/XXXX I received notice from the HOA that my wife and I were in violation of the HOA CCNRs. At the time I reached out to Wells Fargo Bank for assistance and for a copy of the completed HOA Questionnaire Form 921. After several months and multiple follow up requests I received a copy of the Form in XX/XX/XXXX. The form indicated that Wells Fargo were informed that the property could not be sold and meet the conditions of my mortgage application. However, Wells Fargo Approved and Funded my Loan in violation of the HOA CCNRs. In the months I waited on the document from Wells Fargo I incurred significant Legal Fees ( {$37000.00} plus {$2300.00} in travel costs ) in working through discussions and arbitration with the HOA. 

On XX/XX/XXXX I submitted a complaint to XXXX XXXX XXXX, CEO Wells Fargo Bank. My complaint reflects that Wells Fargo did me wrong in approving the mortgage loan in light of the information that the Bank received from the HOA. However, the Bank approved and funded the loan and I since incurred significant legal fees as a result. My legal fees were also higher as a result of the time it took Wells Fargo ( over six months ) to provide me with the requested HOA documentation.

My complaint therefore asked Wells Fargo to compensate me for the legal costs I incurred as a result of their failure to perform their due diligence and fiduciary responsibilities entrusted to the bank. Since submitting my complaint to XXXX XXXX I have received similar updates as I did in XX/XX/XXXX with the bank continuing to push out the expected response date to my complaint : Summary of Correspondence : 1. My Complaint Letter to XXXX XXXX XXXX XX/XX/XXXX 2. Update from XXXX XXXX SVP WF Home Lending XX/XX/XXXX Response Due XX/XX/XXXX. 
3. Update from XXXX XXXX, Customer Care Recovery Group XX/XX/XXXX New Response Date pushed out to XX/XX/XXXX 4. Update from XXXX XXXX, Customer Care Recovery Group, XX/XX/XXXX New Response Date pushed out to XX/XX/XXXX XXXX. Update from XXXX XXXX, Customer Care Recovery Group, XX/XX/XXXX New Response Date pushed out to XX/XX/XXXX This is the same type of delay I experienced from Wells Fargo in XX/XX/XXXX when I was simply looking for a copy of the HOA Questionnaire/Form 921. Wells Fargo continued to delay, delay and ultimately the response cost me incremental legal fees, frustration, pain and suffering that I fear will continue again without the CFPBs help and support. 

I believe I should be compensated for the costs I incurred as a result of the Bank errors and I would very much appreciate your help to bring this matter to a resolution.
Consumer complaint received 2022-04-29
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-02-02
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: NATIONS LENDING CORPORATION (FL)

XX/XX/20 : XXXX XXXX  XXXX  XXXX XX/XX/20 : XXXX DBA XXXX XXXX XX/XX/20 : XXXX XXXX/Nations lending XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) Credit plus/nations Lending ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and Nations lending pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE

Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXXXXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I am attaching the issues I have with the Comenity Wayfair card. I have not used this card since last XXXX. Online they are charging me XXXX if I pay online at XXXX PST time which I live in PST on date due. Also my first ever late pay with them I was 3 days late due to my child being in hospital they did not waive at a one time request and still then increased late fee to XXXX without notice. So they take my payment and I have no one to call on the phone when paying at XXXX or XXXX XXXX PST time on due date they should absolutely not be charging me XXXX it is excessive and abusive fee. so now they have charged me XXXX in fees and I still owe them XXXX. My balance in XX/XX/2020 was XXXX. Since then I have paid them XXXX yet my balance is XXXX. This is ridiculous. Most companies work with you and would waive especially same day and continues to pay monthly. I have never paid them more than 3 days late when child was in hospital. And they have treated me like a criminal for paying same day but at XXXX or XXXX PST. This company is the absolute worst. During Covid if there was ever an issue with any CC or paying a day late they waived fees or were super considerate AS I have never been over 30 DAYS EVER AND COMENITY IS AWFUL. Their twitter is full of their abusive fees and horrible customer service. I have never seen such a horrible credit company ever
Consumer complaint received 2018-04-04
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: SUNTRUST BANKS, INC. (NY)

Both creditor sun trust bank and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

I was denied credit from a company who stated I could get a free copy of my consumer report from the consumer reporting agency below. I wanted to know what was in the report to find out why I was denied credit. I have tried to get a free copy of my consumer report from the following company for a couple of months ( XX/XX/2019 and XX/XX/2019 ). I called the company and left a message for them to call me back several times. They never called me back. I finally sent them a letter requesting my consumer report on XX/XX/2019. I sent the required identification information with the letter. I have not heard from them. It has been over a month. They have a website with a form to request your consumer report, but I did not want to put my social security number on the form and send it over the internet. The consumer reporting agency is : Sage Stream, LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.sagestreamllc.com
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax dropped my FICO Score 62 points based upon a XXXX Credit Card, which has never been late. We routinely pay the card in full multiple times each month to keep the balance low. In this particular instance, the balance jumped up 90 % for one day, and I have been penalized 62 points. I am searching for a home, and this fluctuation in my FICO Score does not help.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MN)

On XX/XX/2022, I requested a transfer of {$100.00} be made to my brother by his phone number in Chime 's pay or request to or from a friend option in their app. The app asks for either their email, phone number or XXXX ChimeXXXX  be entered. I entered my brother 's phone number and the amount and submitted the request. After the request was processed, a different name appeared. I contacted Chime right away to let them know that my request to send money to my brother 's phone number was sent to a stranger. Chime 's customer service representative researched the issue and confirmed that my brother 's phone number was associated with multiple different people and instructed I complete a dispute and to also send a request of the {$100.00} back from the stranger. I completed a dispute and was denied reimbursement of my {$100.00}. I also sent several requests to the stranger to send my money back as it was sent in error by Chime and the stranger has not responded to my requests. I called Chime 's dispute center and discussed my issue, explained to them that I had used my brother 's phone number but Chime had sent my funds to someone else. The representative explained how to appeal the dispute decision and asked me for proof that the phone number belonged to my brother. I appealed it and sent in my brother 's phone bill showing his phone number and name but Chime denied the dispute again. 

If Chime can not send funds to the correct person by phone number then Chime should not be allowed to have that option as a service to their consumers. Whatever information Chime has linked to phone numbers seems to be outdated and will cause consumers such as myself to lose money. I clearly followed the prompts in the app which indicated that I could enter an email, phone number or XXXX ChimeXXXX to send funds to and the phone number I entered was indeed my brother 's number. Chime sent my money to a stranger. I have proof that the phone number belongs to my brother but Chime refuses to reimburse me. 

When my brother 's phone number was entered, no name appeared so I confirmed three times that it was my brother 's phone number before I submitted it.
Consumer complaint received 2023-04-07
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: Credence Resource Management, LLC (MO)

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you.

Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions and corrections.

Thank you,
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Hi XXXX / how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

On or before XXXX a personal loan was obtain in my name using my personal information. I have requested this account be remove because identity theft. 
XXXX XXXX has continue to report inaccurate information to my credit report.
Consumer complaint received 2021-10-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NFM, INC (OR)

I, XXXX XXXX XXXX, entered into a consumer credit transaction with NFM Lending on XX/XX/2020 in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but NFM Lending accepted cash. The finance charge is suppose to include insurance, but NFM Lending made me pay for insurance separately. 

NFM Lending went on to send XXXX XXXX XXXX multiple postcards in regards to buying insurance from an NFM affiliated company, which is in violation of 15 USC 1692 ( b ) ( 4 ) ( See exhibit B and C ). NFM went on to break numerous more violations in respect to 15 USC 1692 and has not responded to the affidavit of truth, cease and desist, and debt validation letter that was sent to them via certified mail ( Please see attachments ). 

NFM Inc is continually sending me debt collection letters and furnishing false information to consumer reporting agencies, which is in violation of 15 USC 1692 ( J ) ( a ).
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I experienced problems paying my mortgage.. My Lender SPS offered a trial modification. I paid the modification for over 10 months and we never received a permanent modification, but instead the modification was removed due to, lender not receiving requested documentation? I have spoken to lender recently, and now have placed me into foreclosure.. I am compelledto seek help from the CFPB
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/2020, I refinance my mortgage with Quicken loan. JP Morgan Chase was the holder of my mortgage. In XXXX, I got my credit report and it drops by 63 points because JP Morgan closed my mortgage account and it affected my credit. I do not know why JP Morgan Chase closed my account if they know that it will affect my credit score.
Consumer complaint received 2021-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (GA)

Certified Tracking Receipt XX/XX/2021 XXXX PM ( a day ago ) Topic : Regular Payment To : Customer Service I have mailed proof of payment to : XXXX MXXXX XXXX, XXXX XXXX XXXX XXXX, Illinois, XXXX Tracking number : XXXX I emailed proof to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX. 

My mortgage loan payments are up to date. 
XX/XX/2021 XXXX PM ( a day ago ) Topic : Delinquent Payment To : Customer Service This is the information concerning my XXXX XX/XX/2021 payment : AccountNum : XXXX Amount : XXXX CheckNum : XXXX XXXX : XXXX Routing : XXXX DatePosted : XXXX Please be advise I will be making a compliant to the Veteran Administration over the handling of this process. XXXX XXXX XXXX, XXXX XXXX : XXXX