davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX Bank of America stated that I was not eligible for the Bank of America Capitalization Loan Modification Program due to income not meeting program eligibility. The income calculated by Bank of America was {$17000.00} per month. Bank of America calculated PITA to be {$65000.00} ( {$5400.00} per month ). Yearly income calculated with an income of {$17000.00} per month would be {$210000.00} which clearly would cover the costs. Why was I refused the modification? Did Bank of America error in their calculations?
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (SC)

Two unauthorized debits were paid by a previous debit card ending in XXXX from Chime. That card was reported lost/stolen and I was re issued a new card ending XXXX. On XX/XX/XXXX a charge from XXXX in the amount of {$110.00} and {$31.00} were paid from my account. How could XXXX charge and collect payment on what should be a closed card? I became aware of the charges on XX/XX/XXXX and immediately disputed them in online bank app. I provided screenshots of the 2  charges from email confirmation in which XXXX was paid by card ending in XXXX. I never purchased anything from XXXX using my current debit card. This has to be a bank error because the charges should have been declined on the use of a closed card. I've disputes twice and Chime denied my claim in their final determination
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-09-11
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SECURITY FINANCIAL (NC)

We asked the bank for net proceeds requirement. They told us an offer of {$25000.00} with net proceeds of $ XXXX. We received an offer of XXXX. They reviewed and at the last minute before the foreclosure postponed. They waited 3 weeks and then they countered back at a previous amount of XXXX reducing commission to 3 % split between XXXX agents. The national standard for a short sale is 6 % total commission. This has been going on for 2 1/2 years. They keep changing their requirements as soon as we have an offer that meets their demands. They are force placing a foreclosure on an XXXX servicemember and his veteran ex spouse.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (TX)

The collections account was placed on my credit report by Trident Asset Management and was not mine. I never requested items, service and never received items or service from the original debtor XXXX.
Consumer complaint received 2015-09-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

About three weeks ago, I went to a wells fargo bank in XXXX to open a new checking account besides the one I already have. I did that. I was told that the account has been created successfully, and I should be receiving a new card within 7-10 business days. It 's been more than 20 days, and nothing is received. I am not even worried. I happened to go to the branch the other day, and check on the status of the card. I was told that I had to provide further information, namely, ( Apt number ), which I then did. Next, the banker told me that your card will be mailed out to you soon. So far, no stress and everything is cool. I walk out, and next day, which is literally this day ( Friday ) I try to buy some food using my debit card, but could n't. Debit Card was never accepted by all machines. Things started to get weird! I then tried to get some cash via an ATM, however, it kept declining the transactions. I then went straight to the closest bank branch, which is at the University XXXX. I was trying to explain what 's going on, and understand the problem, yet bankers -including the manager- were being too unhelpful. I told them that I could n't use my debit card, and .. so forth and that it keeps getting declined, so they asked for an Id. I showed them my University ID, as well as an international valid driving license. They did n't however bother to check onto my account, and yet insisted to see my passport, which I obviously did n't have at that point, nor was I able to go get either. I was frustrated because I was not even able to afford for a taxi to take me back home, so that I can get my passport and fix the issue. I never held cash on me. I felt condescended. I got disappointed, and walked out. I tried to call the bank thinking they my be of a help. Lucky I was, at least was informed what the problem was, which totally ended up being unpleasant. After verifying of my identity, they told me that my debit card has been deactivated. And the reason is because another card will have been mailed to you. My answer was Seriously?? It just does n't make no sense to deactivate all my working debit cards ( XXXX ) because you are sending me another one for another checking that has not even been received, and without any temporary cards! Simply, I have been blocked out of my accounts. I was no longer able to get any money out of my money just because of that! I could n't use the card, and I could n't do anything else. Apparently, on an email I received from WELLS FARGO the other day saying that my, supposedly, previous card will not be deactivated until the XXXX/XXXX/15 which completely disagrees with all the actions taken. They deactivated XXXX working cards that are, nonetheless, associated with a different checking account. It 's too frustrating to see carelessness prevents you from using your own property and own money.
Consumer complaint received 2019-02-25
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. (CT)

On our XX/XX/XXXX XXXX XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XXXX XXXX   transferred/sold the account back to XXXX XXXX XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX XXXX XXXX Office of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX Equifax Credit Report XXXX XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed 99 Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report XXXX XXXX   XXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX XXXX  statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONLINE Information Services, Inc. (NC)

I received messages from my former employer that a debt collection company was calling them several times a day for me. I have not worked at that company for over a year and they never called while I was working there. Today, I received a call from them. In the message they disclosed private information about my debt collection.
Consumer complaint received 2015-06-08
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION (CA)

In XXXX I got a loan from Allied Cash advance. I had shortly after lost my job and was not able to repay it. They then sent it out to collections. On XX/XX/XXXX I had a company called XXXX call me and try to resolve it. They sent me a validation notice and the whole XXXX yards. I payed the amount they contacted me with and then sent me a document with the amount paid and account number, file number, and saying that it releases me of any obligation of this matter. Well today, XX/XX/XXXX a company called XXXX XXXX called me. I spoke with a lady named XXXX XXXX ( supervisor ) at XXXX. She was really rude and kept insisting I pay and she kept saying she would n't send me a validation notice or anything. I tried telling her that I had already paid it with another company and tried giving her their name, number, and account number but she kept saying that they 're going to contact my HR and have my wages garnished and stuff. She simply said they don'y send out validation notices because " they just do n't have time to '' and that this is just a courtesy call that they do n't usually do this. SPAM!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-09-05
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)

In accordance with the fair credit reporting act, Capitol One has violated my rights. 

15 USC 1681 Section states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states consumer reporting can not furnish an account without my written instructions. 
15 USC 1666B a credit may not treat a payment on a credit card account under an open-end consumer plan as late for any person.
Consumer complaint received 2022-09-05
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (VA)

In continuation to case number XXXX : Asked Wells Fargo earlier this year for deferral to move my late balance to end of the loan cycle. The rep stated that I would NOT qualify until 12 months had passed for 3 months deferral. I now find out that Wells Fargo did a one month deferral without consent -- please ask them to listen to my call with the rep whom stated I did not qualify yet. There was NO notification mailed out nor did I sign anything. I 'm seeking assistance with bringing my account current. Wells Fargo is now stating that we have to wait an additional 12 months when they should have deferred 3 months rather than one. Our credit is being impacted as we are trying to work with Wells Fargo.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently paid off a credit card that I had with Capital One. I noticed via my online account that the payoff amount was n't posting to my account even though it was withdrawn from my bank account the following day. It took over a week for Capital One to post my payment. Other payments in the past posted the following day. This one however did not show posted for six days. That was enough time for Capital One to then charge me XXXX dollars of interest, which I noticed today. When I asked for the 2nd time why they were holding the payment, which they had never done before, I was told they do that sometimes. I asked what are reasons for doing that sometimes and not all the time? I was not given an answer. 
The person kept repeating themselves as if they were a robot. The super- visor did waive the interest charge but would n't answer my questions as to why my payment could be held for an amount of days " sometimes '' and other times not. I feel that when payments are made to accounts to pay them off, they hold those funds and do n't post them to the account for a number of days so interest can be charged.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I originally contacted Experian via registered mail on XXXX  XXXX  2023 in reference to names, work places and address that were being reported on my consumer file. I requested that these old, unused, and erroneous items be immediately removed from my file for my safety and safe housing of my personal information. I did not want any of this information shared due to the fact that it can be used fraudulently and to cause harm. I have attached a letter that clearly stated my correct address, and name. This letter also requested that all other information that was not the information provided directly by me to be removed immediately as it was a risk to my privacy. This never happened even after multiple attempts to get this dangerous information removed from my file. 

I have also requested that Experian verify file information as accurately belonging to me multiple times. This was consistently met with a generic response that they have verified the information with the company that provided it originally. Although I have asked for documentation and proof of this multiple times, I have never been provided any type of documentation or proof that the investigation was even actually conducted. 

The below accounts have been challenged multiple times with no proof or documentation of the investigation results and I demand that they be removed from my account if no documentation can be provided within a reasonable time, that reasonable time being 15 days due to the fact that this information has been challenged multiple times and should very well be on file according to the investigation results previously provided by Experian on multiple occasions. 

1 : XXXX XXXX Account # XXXX 2.XXXX XXXX. 
Account XXXX XXXX  I have attached the many letters sent to Experian addressing the above issues in detail. To reiterate, I have NEVER to this date, 7 months after the start of these challenges, received one piece of documentation which confirms the accuracy of these accounts, or the accuracy of Experians investigations into my complaints despite requesting and demanding that this information be provided to me at the conclusion of the investigation. I demand that if these results can not be produced within a reasonable amount of time, given the past history of request, these items be completely and permanently removed from my file..
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (MD)

Good Day. i am writing you to assist your help with TRANSWORLD SYSTEMS INC. Debt Collection Company. I sent them several communication request for Validation and Verification of the alleged debt but to no avail. All the Certified mail was returned. ( No Longer at the Address ). I contacted them via phone and thats when they started with asking me for my SSN, and how did i want to pay for the debt. This is not my debt and i do not no how it was reported on my files. WHAT IS THERE MAILING ADDRESS. WHY ARE THEY CALLING ME WITH A LAWSUIT? WHY I CAN'T GET A VERIFICATION FROM THEM.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (OR)

We sold our house on XXXX XXXX, 2015. Escrow check never came. Called end of XXXX. Said they did not have address. Checks do not get forwarded. Sent letter with new address ( By the way though XXXX they should have all our information ). Still do n't receive check by XXXX XXXX. Call again. Will send 2 day mail after I complain. Send 2 day mail to old address! Get check and call to make sure I can cash. Dovenmuehle says yes. Cash check in XXXX account. Receive another newer check from mortgage company. XXXX gets returned notice check and charges account. Call Dovenmuehle and explain situation. Also ask for escrow accounting. Never give me {$5.00} service charge back for returned check. Do n't provide escrow accounting. Not the money but the principle of matter. They sat on over {$3000.00} of escrow funds and never attempted to get in touch with us. We have all our banking and insurance through XXXX. Totally disappointed with everyone I dealt with.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LUMINATE HOME LOANS, INC. (TX)

I applied for a loan with a company called American Mortgage & Equity Consultants back in XXXX. We were told that we could start construction on a new home before our old home sold and would not have to put any money down until construction was complete. This turned out to not be true. They expected money up front before construction started so we left and went to another company shortly thereafter. Recently I received a letter stating that our loan with them was not approved because of a lack of funds. We did not give them permission to run our credit report within the last 6 months, and we were not rejected for a loan. We left them because we did not trust working with them. I am afraid this fake rejection will negatively impact my credit score.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IL)

I checked my credit score last week, I saw had a negative account that brought my credit score down. I went on their website Im not the only person that is having this problem. The amount is {$570.00}, the company name is Wakefield and associates I never heard of this company or take any loan out.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-10-06
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Please be advised that Wells Fargo has refused to turn over any " Debt Validation '' Documents. One of their executives claims " the request is too broad ''. Semms simple enough to me. It 's a standard debt validation asking what or how much do I owe and why I owe said amount. Keep in mind, this is a Wells Fargo area of expertise producing phony " TADA '' or ROBO-SIGNED documents that do not and have not ever existed.
Consumer complaint received 2022-09-05
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. (NC)

There is a charged off account on my credit report. Its reporting as open, but it is charged off. 
How can a charge off account be open. 
Thats illegal.