davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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)

This is my 2nd 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 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
Consumer complaint received 2020-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Due to financial difficulties and health problems, I was not able to make payment since XX/XX/XXXX. 
The monthly payment was XXXX XXXX XXXX principal and XXXX interest ) No escrow. 

My balance was XXXX on XX/XX/XXXX. 
I sold the house XX/XX/XXXX. ( 16 months later ) and it took them one week to come up with pay off amount. Finally the said it is XXXX That was XXXX interest, penalties and fees over 16 months. 
In other words, they charged me XXXX MONTH and I find this amount outrageous. 

Looking at the pay off letter, I notice they charged XXXX ESCROW. 

I have been calling them and they do not talk to me because I have a lawyer. 
When my lawyer called, they needed a letter from me authorizing my lawyer to talk to them. 
In the meantime, no money exchange is happening. I do not think the employees understand what they are doing because this can go on for years with their bureaucracy. 

I think this amount for escrow was plugged in by mistake and if we take that amount ( XXXX ) the pay off will make sense.. 

The escrow for XXXX was already accounted for in the closing paper.
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One has decided to decrease the credit limit on a card that I no longer use regularly as of XX/XX/2020. The credit limit was XXXX and is now down to XXXX. A reduction in available credit of XXXX is detrimental to a consumer 's credit score and can negatively impact a consumer 's ability to purchase or refinance a home or vehicle. According to Capital One they have done this to many consumers, some of whom may be in the middle of a home mortgage transaction where a decrease in credit score could mean the difference between an underwriting approval or decline. Capital One does not have the right to harm consumers in this way. I called Capital One today, XX/XX/2020, to explain this to them and they refuse to reverse this harmful decision.
Consumer complaint received 2022-09-15
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. (IL)

This is my 2nd 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 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
Consumer complaint received 2020-08-25
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. (VA)

I have several fraudulent accounts on my credit report. Equifax and XXXX won't investigate my complaint because they think a credit repair company is helping me. I AM THE ONLY ONE DISPUTING  FRAUDULENT CHARGES ON MY CREDIT REPORT. NO CREDIT REPAIR COMPANY
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (AR)

The amount due on the loan for XX/XX/2018 was {$480.00}. I had requested at an earlier date that any overage be applied to the principal. I sent in a payment of {$1300.00}. The amount they applied to escrow was {$140.00}. The amount applied to the principal was {$780.00}. The amount applied to interest was {$420.00}. My interest rate is 8.24 %. The amount that should have been applied to interest was {$210.00}. The excuse they used for charging so much interest was they thought I was making two payments. I did call and they said that they would resolve the issue but my concern is that if this is a common practice other people might not catch this and end up paying more interest than they had agreed to. The company 's name is 21st Mortgage Corp. NMLS # XXXX, XXXX XXXX XXXX XXXX TN. XXXX.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (WA)

Sequium Asset Solutions : XX/XX/2020 I received a bill from Sequium in the amount of {$3700.00} from an XXXX XXXX XXXX bill. Due to Covid I was unable to pay right away. On XXXX XX/XX/XXXX, I contacted Sequium and arranged a payment plan for 10 equal payments to which they agreed to begin withdrawing from my checking account on XXXX XX/XX/XXXX. On schedule they took the money out of my account. On XXXX XX/XX/XXXX I received communication from a company called XXXX stating they had taken over the debt. The money was returned to my bank by Sequium. On XXXX XX/XX/XXXX my account was charged again by Sequium. 
I have tried to call them on every number available to the public and their automated systems will only go to a full voicemail account. I have notified my bank to block all further charges, however this company still needs to be investigated. they owe me money now because my financial institution charges me for every month I block their fraudulent activity, but its is too expensive to sue.
Consumer complaint received 2019-10-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (AL)

I receive 2 or 3 phone calls every day since early XXXX, my references receive calls. I will gladly satisfy this debt however even after 1st telling them the calls haven't stopped as though they are going to intimidate me. If the calls stopped for just 3 or 4  days I would satisfy my obligation but not because they keep calling me as well as my references.
Consumer complaint received 2023-03-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (OR)

In the description of " What happened '' there is a statement not to send sensitive data, and later in the instructions there is a box later to attach files. I am not sure what I am really supposed to do. I have files to support my claims and will forward them on request. 

Wells Fargo BankHas failed to close a CD I opened years ago. I have submitted proper paperwork and have copies which are not to be included in this complaint by CFPB guidelines. Wells Fargo completed an " investigation '' and failed to refer to two of the three facts stated in my complaint. Additionally, they did not request copies of the paperwork submitted XX/XX/XXXX from their branch office and by their branch office. 

Wells Fargo states in their response that I need to return to the branch office for assistance. Three sentences later the Wells Fargo response states that the banker was not able to proceed with the applicable form. I have a copy of said form completed by XXXX XXXX Phone XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Which he took to the back of the bank and was supposed to have faxed to the back office. And returned to me stating he did fax it to the back office. 

Obviously XXXX XXXX did not fax the form that was completed by him on his computer XXXX while the back office was on the speaker of my cell phone directing him how to complete the form. 

Additionally, not addressed in the response from Wells Fargo is the fact that I opened a CD account with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. At that time a form was forwarded to Wells Fargo to transfer all funds to said account. As of XX/XX/XXXX these funds have yet to be transferred. I also have a copy of that form also which by XXXX statement I am not to attach to this complaint. 

I continue to be frustrated with Wells Fargo Bank and their flagrant denial to close this account. Wells Fargo 's banking practices are why I am, and have been trying, to close all accounts with them. 

Agin, because the proper paperwork was completed on XX/XX/XXXX and was supposed to have been faxed by a lying Wells Fargo banker with a bad attitude. I request to be compensated of lost interest from XX/XX/XXXX to present. 

XXXX XXXX XXXX Refer to original complaint of XX/XX/XXXX # XXXX
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IL)

My score has been going up dramatically because of my hard work, it seems everytime it goes up XXXX add false info that affects my score. I have 1 of 2 student loans due for cancelation under corinthian college lawsuit still on my credit and XXXX is treating it like it is a credit card and credit usage. My loan is current. But the bureau states that I am using credit and saying the limit is decreasing!!
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

I have repeatedly received calls from Monterey Financial that are regarding a person, an entity, and an amount owed that I am not familiar with. I am not the person they are trying to contact. I have told them on the phone multiple times, both by picking up when they call, returning their call, and also filling out the form on their website notifying them of the incorrect number. It has not ceased since it began in, at least, XXXX.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a credit card from Bank XXXX XXXX a few years ago, and I set up auto payment for this account. 

After I opened BOA checking account, the autopay was messed up because of the bank 's internal system. I didn't notice the change, until the day until I own a balance and was charged recurrent late fees and interests ( almost {$200.00} XXXX. 

I called the bank, they closed my account, and denied it's their system 's fault causing difficulty of setting up the auto payment. I made a lot phone calls with the customer service, transferred between different department to fix this system setting. 

The agents claimed I could update the setting on my own so I should be responsible for the late fees. The fact is, the setting was corrected by the backend of the bank 's person, kept me in phone calls for hours long to help them set that up. I followed all the instructions but didn't not work after multiple try. 

In the end, I was still charged the late fee and interests due to the system setting up issue. And until now, I still don't know why the auto pay was changed and how they fixed that, and why it's my responsibility to pay for the bill while I can not set it up because of the system issue.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-07-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX a Bank of America representative contacted me by way of telephone.The representative explained to me that their company had covid-19 deferral program that I could participate to pay on the credit card.I agreed to enter the program.On XXXX XXXX is when I made the first payment toward the credit card balance. The first payment was in the amount of $ XXXX.Which bought the balance owed {$250.00} which would have made the credit card current as this card had a {$500.00} credit limit on it. Thinking my credit card account was still open. 
When I went to rent a car rental they told me my credit card did not go through. I looked on the BofA app to see what was going on it said I had a {$230.00} available.That was odd to me seeing prior it was {$250.00}, but I went to deposit another {$200.00} on XXXX XXXXI called BofA to find out when my deposit would post. That is when I was informed my account had been closed since XXXX of this year. The lady that I spoke to informed me she would make a complaint and to check back in a couple of days about the status on refunded my money. I called yesterday XXXX XXXX.I spoke to a series of people finally the last person I spoke with was XXXX. 
My complaint is the BofA representative contacted me about some referral payment plan knowing or should have known the credit card account in question was closed since XXXX.
Consumer complaint received 2023-04-07
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. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AK)

the credit bureaus credit won't let me dispute online or over the phone the following accounts are not mine account name XXXX {$2000.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Account number XXXX
Consumer complaint received 2022-09-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (CA)

After applying for a {$10000.00} line of credit from Citi bank through XXXX XXXX with 30 years of perfect credit and a FICA score of XXXX I was denied. I believe this was based on my ethnicity given that my name is identified as XXXX.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I called bureau & sent certified letters XXXX and XX/XX/2023 My first name is spelled in correct They have me formerly known as name incorrect There are unauthorized inquiries on my report along with Old addresses Old phone # Old employers
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX XXXX by this person from XXXX  ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( Remitly, XXXX XXXX, XXXX, XXXX, XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX XXXX XXXX Please help me, what should I do to get my funds back. Should I report this fraud to my bank in order to get my funds back or hire somebody from a website like XXXX XXXX XXXX XXXX XXXX? Can they be trusted?
Consumer complaint received 2022-04-04
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. (DE)

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$5600.00} XX/XX/2019 has violated my rights. 15 U.S.C1681 section 602A. States I have the right to privacy 15 U.S.C 1681section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (UT)

I issued a statement to the CFPB regarding Discover Card, to which they launched their own " investigation ''. Well, a shameful and despicable company investigating its own conduct is like me robbing a bank and then being put in charge of the robbery investigation! 

My initial case was assigned to XXXX XXXX, who is every bit as deceptive as this company. First, I have RECORDED CALLS of her saying that while this issue is in dispute, I would not be charged any late fees. Sure enough, I was charged late fees. Second, the " evidence '' she submitted had the wrong address on it, which was part of the initial complaint. Third, she said that the harassing collections calls from " spoofed '' would stop immediately, to which they didn't. I received another three collections calls from your spoofed numbers within a 48 hours period.