davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

My mortgaqe servicer, PennyMac, has not paid the property taxes on my home. These taxes are included in my mortgage, and they are now 5 months past due. XXXX XXXX will file a lien on the property. I have spoken to PennyMac on multiple occasions, but they have stull refused to pay the taxes
Consumer complaint received 2024-01-26
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. (PA)

Hello, my name is XXXX XXXX. This statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency can furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! 

I am demanding removal of these listed accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a mortgage loan ( # XXXX ) with Wells Fargo towards the purchase of my new home in XXXX, CA. My wife and I are both gainfully employed in high paying XXXX jobs and have impeccable credit scores in excess of XXXX. The loan process began in early XXXX and I submitted comprehensive documentation of assets including statements at that time. I have had a lot of trouble with the Underwriting team at Wells Fargo responding 10 days after I initially submitted my documentation of assets. The initial estimate of the payment ( including costs ) due at closing given to me was higher by around {$7000.00} from the final closing cost causing me to scramble and liquidate assets towards meeting this requirement. The Underwriter did n't agree to have this as a closing condition instead requiring me to liquidating my assets before approving the loan. On this occasion too the Underwriter took more than 3 days AFTER the liquidated funds reached my bank account to sign off her approval. After all the delay caused by the Underwriting team, my wife and I finally signed off on the loan documents after depositing the payment with the escrow company yesterday morning XXXX. The Wells Fargo underwriting team threw a curveball after the signing by insisting on a Section XXXX item ( broken duct indicated by the termite inspection team and not the home inspection team ) to be certified as not being a hazard as a condition to funding the loan. This was not a condition that either me as the buyer or the seller had mutually agreed to as part of our contract agreement. This was a total surprise to me and the sellers as it was never mentioned as a condition by either the loan consultant or the underwriter previously. If this was a condition, the Underwriting team should have indicated as such, prior to me signing the documents for closing. I understand that loan underwriting standards have become very stringent, but I believe that Wells Fargo 's underwriting team is acting out of malice towards me causing me and my family undue grief and trouble stemming from rescheduling appliance delivery, movers and cleaning crews. At this point I can not understand the reason why Wells Fargo 's underwriting team is putting up last minute hurdles towards the closing of my loan other than the fact I had declared myself as being of XXXX origin in my application.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Shopping Mortgage rates. I was reviewing my credit report. While reviewing my report there were numerous credit inquiries from a company XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2023-04-13
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. (FL)

My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my credit report and all information related to this matter. 

The fraudulent accounts are as follows : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I got my load mod and I have made XXXX installments for the trial period. They have a sale date on XX/XX/2016. The lady that is handleing the case said that if I made my payment by the end of the month so I can get the money to made the payment for the trial period. I talked a other person and they said that we need to make the last payment before XX/XX/2016. how can we get a XXXX in one week. I just made the XXXX payment of XXXX and that take all the money at i had. can you help in stopping they for the sale date. we have gotting the notice of sale..
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

I need help resolving a matter of fraud related to identify theft and compliance violations by Wells Fargo Bank. 
My husband 's identity has been stolen. Numerous fraudulent checks and electronic transactions have been processed from our checking account, savings account and credit card. We have filed a police report and an identity theft affidavit with the Federal Trade Commission. 
We reported the fraud to Wells Fargo as soon as we discovered it, multiple times. Wells Fargo failed to assist us or open claims after the first XXXX reports of fraud on our checking account and after the first report of fraud on our credit card. They did not open a claim on our checking account until our third notice to them on XX/XX/2016. 
Wells Fargo has made numerous errors, compliance violations, and has used false information to initially deny our claim. They supposedly escalated the incident to their Resolution Team on XX/XX/2016, however, we have had no contact from that department and it has now been over 15 business days. The bank has been negligent in helping us and has committed multiple violations of the XXXX Transfer Funds Act ( a.k.a. " Regulation E '' ; parts 205.6 and 205.11 ), such as erroneously closing the claim and failing to provide provisional funds. In addition, Wells Fargo is in violation of the Fair Credit Reporting Act by refusing to provide detailed information, requested in writing, about the transactions. We have been very cooperative and have offered to partner with them in providing as much information as necessary to investigate and try to track down the source of the fraud to help catch the criminal ( s ), but we seem to be getting nowhere. I would appreciate any help you could provide. I am attaching a document with details of events from XX/XX/2016 to XX/XX/2016.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I discovered an unauthorized recurring transaction on my XXXX XXXX Bank Account for {$24.00} paid to Experian on XX/XX/XXXX. I phoned my bank to notify them of the unauthorized transaction and learned that Experian had also made unauthorized transactions for {$24.00} on XX/XX/XXXX and XX/XX/XXXX. My bank has reviewed these transactions and are in the process of removing them. I have asked them to block Experian from making any further transactions on my account. 

I phoned Experian to request they reverse the charges and change my account to the " free subscription. '' As I was explaining my situation, the customer service representative hung up on me. When I phoned back, the automated attendant initially said it would ltake XXXX minutes to answer my call and then clicked and said that I needed to resolve my issue on the company website. It appears they flagged my account so I can not phone them to fix my account problem. 

I believe Experian has deceptive business practices or is trying to cover up fraudulent transactions on my bank debit card.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these 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
Consumer complaint received 2016-10-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not provided me with original copies of their XXXX XXXX, 2016 correspondence addressed to me. This is not the way to conduct business during the modification, loss mitigation and workout processes. I want original written communications from Bank of America at all times, not a copy of a faxed version of an original written document which is what I got.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CA)

My Father passed away XXXX and had to move locations. Living at my new location I have not received any information regarding this debt from Eastern Account System. I was unaware of this and it was sent to collections. This XXXX XXXX my wife and I will be XXXX. We were aware of this debit while reviewing my credit score during our process of trying to purchase a home. If I knew this debit it would of been paid off in full along time ago if I received any statements or letters. On XXXX/XXXX/XXXX I have paid all debit in full and I am requesting this to be taken off my credit. When reaching out to Eastern Account System they seemed to not empathize with how important this is to be taken off. They also did not give me any options on how this can be erased. My wife tried contacting Eastern Account System leaving messages to the Manager XXXX. We have yet to hear back from them. I know if they are a collection agency it can be very frustrating to not be able to collect money from people and the same goes for me. I am frustrated that because I paid in full they do not care to contact me back to erase this.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Critical Resolution Mediation LLC (CA)

I got a voicemail from XXXX XXXX XXXX from Critical Mediation LLC stating about a Fraud Claim against me. I called the number backed she then responded that she is collecting a debt not a fraud for XXXX XXXX. I told her I would like to verify first to make sure that it was my actual debt. Since it was for XX/XX/2011. She then said did n't give me time to call her back since I as driving. She have told me that we will file the lawsuit once I hangup the phone. After reading my consumer laws that 4 years old debt cant be sued. Second not mentioning that she is collecting a debt. Lastly not allowing me to verify my debt.
Consumer complaint received 2015-08-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a Bank of America customer and was planning to travel to the XXXX XXXX on a cruise. I notified Bank of American on XXXX XXXX of my plans and gave the stops. I received an email from Bank of Ameirca confirming that my travel notice was set fro my debit card. On XXXX XXXX, I attempted to make a purchase Touch XXXX in XXXX XXXX using my Bank of America debit card. It was rejected. I called the Bank from XXXX and spent XXXX minutes on the phone ( most of the time waitting ). I was finally transferred to the fraud department which confirmed that I did have a travel notice on my card. The representative attempted to approve the transaction and was unable. She transferred me to another representative who finally was able to put the transaction through. No one could explain why I encountered this problem. When I returned to the crusie ship I had a voicemail from the Bank on my cell phone thanking me for informing them of my travel. I complained to both the Fraud Department and customer service about the problem encountered using my depit card. 

I complained about the service and received an email on XXXX XXXX from XXXX XXXX of the Bank 's Enterprise Customer Care Resolution asking me to call. I ahave subsequently left three messages with no return call. I am seeking a explanation and an apology from the Bank
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

ERC XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 To whom this may concern, I am disputing the debt XXXX XXXX XXXX XXXX XXXX account with account number XXXX. 
ERC is trying to collect on is a clerical error. When I discontinues service with XXXX, I returned all equipment. Later I got an email saying I owed XXXX {$110.00} for equipment. I went back to XXXX, spoke to the same comcast representative that I had returned equipment to. He said it was a clerical error and that he would fix the error. I believe XXXX is engaging in unlawful business practices, i.e. ; creating a fictitious debt writing off the debt and selling the debt to third party collections. I am going to send a copy of this letter to www.cfpb.gov/debt-collectionlaw. With a note that says once these practices reach critical mass I want to be included in the class action lawsuit against XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX How do you want to respond? 

Check all that apply : x I want to dispute the debt because I think : This is not my debt. 
The amount is wrong. 
x Other ( please include additional information ). 
I want you to send me the name and address of the original creditor. 
I enclosed this amount : $ ____________ Make your check payable to ERC. Include the reference number XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-10-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

While trying to apply for my first credit card at wells fargo I did not pass the red screen. They told me i had accounts not paid for as agreed. There were no records that i was sent to collections or had accounts closed. I also received a new job but they pulled their offer a few days before i was supposed to start because of some accounts on my credit and now i have been unemployed for over 3 weeks. Wells Fargo recommended i contact experian to see my credit report and sure enough i had XXXX business accounts sent to collections by wells fargo. I took the account number and contacted wells fargo and had them show me the applications for these accounts. While going over the accounts the banker who i 've never worked with or a branch i 've ever been to created a fake business and opened XXXX accounts. They also put my mothers phone as the business number and left other information incomplete. To top it all off there are no signatures on the applications. They are left blank and a box that states i submitted these applications manually.
Consumer complaint received 2023-04-13
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I opened a Wells Fargo checking account on XX/XX/XXXX. Later I found out that they setup an opportunity checking account which has limits on what I can do with my money. I could n't send or receive transfers, use the mobile app surepay, could only deposit money at the teller or atm. I called Wells Fargo and asked them about this policy for that type of checking account. They said that I would be graduated to a regular checking account after i 've had the account for a year as long as the account was in good standing. Well XX/XX/XXXX strolls by and nothing happens. I call Wells Fargo again and they tell me that they ca n't graduate the account online, so i got to the local bank. At my local WF bank they tell me they ca n't graduate the account. They tell me it is automatically done. Nevertheless im not taking no for an answer so i try to go around the system. I applied for a prepaid card with WF. I was denied for that too!!! At this point I am extremely XXXX. How can I get denied for a simple prepaid card? After applying for the prepaid card and receiving my decision from the bank they tell me I will receive a letter in the mail stating why I was denied. I received the letter and it tells me nothing. Instead it states if I have any questions about the decision to call customer service. I call the number they provided in the letter and the agent cant tell me anything except read verbatim the same exact letter I received. I talked to 2 other agents and they could n't tell me anything either. At this point im livid with Wells Fargo. I close the the idiotic opportunity account and take the rest of my money. Furthermore, I also tried to get a joint account with a friend whom already has a regular checking account with WF ( again trying to beat their system ). Consequently they denied that too. Once more they ca n't tell me why I was denied for the joint checking account. They also did n't state in the letter if they ran my credit or not. If they ran my credit I have the right to know. The reason why i 've tried so hard to establish a REGULAR account with WF is they are nationwide, convenient, technology friendly. It would be easy to receive money for my baby son and his needs from his father.
Consumer complaint received 2022-02-14
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. (PA)

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Flagstar Bank, N.A. (MI)

Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$18.00} against an available balance of {$1.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$1.00} was negative {$34.00} in bank fees. The items presented were NOT paid and returned.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}