davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SC)

After 167 days since application to refinance our existing mortgage with Wells Fargo, we received a form letter on XX/XX/XXXX stating they were declining or application because the no longer offer the program for which we applied. Up until now, we've had our closing date communicated to us numerous times - always sliding backwards without any explanation. The last we were told, we would be closing on XX/XX/XXXX. No one called prior to us receiving the letter. I had to reach out to them for an answer. 

I talked with someone who I had previously spoken with in the Customer Care Group who said that they could no long accept the type of appraisal they ordered - one that would have been acceptable had the loan been handled in a timely manner. Aside from that, she indicated should would not be able to give me any more information until she had time to review the file and that she would be back to me by XX/XX/XXXX. 

This process has already cost us several hundred dollars. They have been stringing this process along to a point that now we have to start over again because Wells Fargo has an employee performance problem and they lack the necessary internal controls to alert their management to problems in processing credit applications in a timely manner. 

This has had an adverse financial affect on us and Wells Fargo is not willing to assist us unless we reapply and start the entire process over again. 

Regarding my previous CFPB complaint, I received one phone call assuring me they would look into the matter and then 2 voice mails saying they were still working on it. I called my contact twice last week but she never returned my call. I called her again this morning after receiving the letter. She has not returned my call. 


Previously reported : We applied with Wells Fargo to refinance our exiting mortgage with them on XX/XX/XXXX. All of the required documentation has been submitted. Since application, our appraisal and credit report have expired. In addition, our rate lock has expired. Wells has offered little to no explanation as to the delay. Our loan officer escalated our complaint but we still are receiving very little information. we would expect the loan to take 45-60 days to close in our situation - existing customer, financing 1/2 of the property value with no cash out, excellent credit. Since the loan has taken longer, we've paid Wells Fargo an additional $ XXXX/month in interest ( income to them ). It seems they are not inclined to get this loan closed in any reasonable amount of time. I also expressed my displeasure of them having to pull another credit report since that will affect our credit score. They seemed unconcerned.
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (FL)

on Tuesday, XX/XX/2020 Sent via USPSCMR : XXXX XXXX XXXX XXXX XXXX i contacted the reporting agency to remove some inaccurate data on my report. 
instead of credit reporting agency taking the incorrect items off they verify the items without proper procedure
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (OH)

Per my request, Avant , LLC or XXXX XXXX  has failed to close my account, going so far as to deny the dispute I sent in through XXXX. The account is current with no past due amount or pending charges ; I sent in a request to have the credit line increased to improve my credit, they denied the request, so I want the account closed immediately. 

The credit card they sent out doesn't work anyways, when you try to use it, it immediately says that suspicious activity has occurred and that you must contact them, which I have no interest in jumping through hoops to use their subpar services.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

Dear Representative, I am writing to formally dispute the recent entry on my credit report indicating a late payment in XX/XX/2023. According to my records and the confirmation of payment provided by Owcen/PHH , the account associated with this reported late payment was paid in full in XXXX of the same year. Therefore, the assertion of a late payment in XX/XX/2023 is inaccurate and misleading, resulting in a decrease in my credit score. 

Furthermore, I have thoroughly reviewed my financial records and can confirm that there were no outstanding balances or delinquent payments during the month of XX/XX/2023. The reported late payment is erroneous and does not reflect my account 's true credit status. 
-- In addition to disputing the false reporting of the late payment, I request that Owcen take the necessary steps to update the information with XXXX, one of the major credit reporting agencies. It is imperative that XXXX 's records accurately reflect my financial history to avoid any negative impacts on my credit score and future financial endeavors. 

I'm requesting that Owcen promptly investigate this matter and take appropriate action to rectify the inaccurate entry on my credit report with XXXX. As a responsible consumer, I value the accuracy of my credit history and trust that Owcen will uphold the same standard of accuracy and integrity. 

Please provide me a written confirmation once the investigation is completed and the erroneous entry has been corrected on my credit report with XXXX. Additionally, I would appreciate any documentation or evidence supporting the correction to ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I look forward to your prompt resolution and cooperation in correcting this discrepancy with XXXX. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IN)

THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

During XXXX, OCWEN transitioned servicing of all its mortgages ( including mine ) to PHH Mortgage. 
They shut down access to the OCWEN accounts web site where borrowers would go to get their 1098 forms online. 
I have NOT received my 1098 for XXXX or for XXXX. 
My loan was transferred to PHH Mortgage on XX/XX/XXXX and the 1098 form I received from them does not include any of the mortgage interest paid to OCWEN, so it seems that it is being handled as a " loan servicing acquisition ''. 

I sent a certified letter to OCWEN 's address on my XXXX XXXX to ask for these statements but they have IGNORED the request.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

XXXX has reported to Equifax that we opened an new account. We have not opened any new mortgage account. Our mortgage was with XXXX/XXXX which dept is paid satisfied and paid in full. Which XXXX was faxed and mailed several time. An investigation into the matter was all ready done and XXXX was supposed to have been removed and blocked from my credit report
Consumer complaint received 2021-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report XXXX, Trans Union and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I am submitting my correct information with Equifax to dispute the inquiries on my credit report. In reviewing all ( XXXX ) agencies, I have a total of XXXX inquiries on my Equifax , but lessor amounts on XXXX and XXXX. I do not understand why I would have so many on XXXX report other than they were not approved. I am unable to use the dispute option online even with providing my proper and correct information as it is rejecting it. I have attached proof along with my dispute letter to Equifax. 
I have also provided proof of answering my security questions correctly.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Springfield Recovery, Inc. (MO)

I have been making payments to Springfield Recovery Inc. on a debt owed to a property management company for over 6 months on time every month of {$50.00}. This company closed on XX/XX/XXXX and debt was bought by XXXX XXXX XXXX. I called this company today, XX/XX/XXXX, to set up a payment plan after receiving their statement on XX/XX/XXXX. First, I discussed that that statement did not reflect the accurate amount owed, as I have proof of actual amount owed from previous debt collector. The agent I was speaking with, XXXX XXXX, states I can email it to her at XXXX. I did email this document as soon I got off the phone with her. Secondly I asked to set up a payment plan. She stated to me they do not accept payment plans and starts to ask me about my employment, rent, car payments, credit cards and other personal information. I let her know I can not pay the amount in full and will have to make payments. She again states she will not accept any payments and asks about my income tax returns and if I can pay off my debt with this after making a partial payment today. I, again, inform her this will not work. She then proceeds to say " yes, I see this is not a priority to you and we will proceed with contacting your employer as we were going to do anyway ''. So XXXX data has not even had my debt for a month, has sent me one statement, and not even attempted to contact me by phone. I contact them to set up a payment and they tell me they were already going to start taking money from my paychecks anyways. I am willing to make payments, but they are not willing to accept, which is absolutely absurd.
Consumer complaint received 2022-01-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (TX)

I have tried to ask Westlake FinanciaXXXX for lower payments as I am struggling, I have also tried moving overdue payments to the end of the loan. There are always problems on their end with getting the paperwork to me and my cosigner, Everytime. Then I receive multiple, upon multiple calls everyday from different numbers from them. They will harass you constantly.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion and XXXX  are in violation of act s 611 5 b of the fcra I have 8 inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXt XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and 2 from XXXX XXXX  XXXX and XX/XX/XXXX on my report that is not suppose to be there these are not suppose to be on my credit report. I sent disputed letters, XX/XX/XXXX, XX/XX/XXXX, complete dispute online, transunion customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (IL)

XXXX. THD/CBNA ( Credit Grantor ) : Failure to update the status of the account following its transfer or sale to the debt collector. 
Persistently reporting a charged-off account without reflecting its transfer or sale. 
XXXX. XXXX XXXX XXXXXXXX XXXX. ( XXXX XXXX XXXX ) : Neglecting to report the debt on the credit file despite being actively engaged in collection endeavors. 
Unauthorized disclosure and use of personal information, potentially constituting fraudulent practices. 

Considering these violations, there are at least XXXX potential violations in total, XXXX attributed to THD/CBNA and XXXX attributed to XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to XXXX in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with experian, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to XXXX chat feature where the XXXX rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that XXXX could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current ( that didnt make sense to me but whatever ). He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. Because although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month is if there is even one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX again and they still did not update. So I came to the CFPB and finally XXXX   has removed it from showing as late ( attached is a screenshot of their response ). They must have finally had an actual human look at the documents. As even the payment history being supplied by XXXX shows the account being PAID IN FULL CLOSED in XX/XX/XXXX. 

After XXXX updated theirs I filed with TransUnion and XXXX both on XX/XX/XXXX thinking it would be a breeze as I could show my payment history and proof that XXXX had updated it. No such luck, both companies came back and did not make any changes. So just going through the motions again by filing this with TransUnion and XXXX   and hopefully they too will have an actual human look at my documents instead of whatever is going on at XXXX.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (AR)

We got the American Express card when we filed our taxes. We were told to keep it after we could reload it w the route number and account number. We had XXXX XXXX [ XXXX ] unemployment benefits PUa and the funds were dd on the card. We were paying Bill 's buying clothes online due to covid.and safe distance from others due to being pre medical conditions. Afraid of on set covid exposer in high risk area. And American Express serve shut the card off. Due to fraudulent activities. I'm XXXX XXXX XXXX and I have called my daughter had to call my husband called. We were told that no one could have any money deposit except for head of household card holder. They were letting us spend it. We were getting confo invoices. Then one day rejection letter of cancellation of payment. Serve fraud account informed us that a paper check would be issued. Then we were informed that it would be returned to sender. Then a 3 time the sender would send request of funds be returned to them. Unfortunately none has been done. It was XXXX directly deposited. XX/XX/XXXX
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I sent a dispute on XXXX XXXX. On XXXX XXXX I sent a follow up letter asking Equifax to remove the accounts in question that I disputed due to non-compliance which is mandated by the FCRA. On XXXX XXXX I received a letter from Equifax saying the accounts have been updated ( which is still inaccurate ). On XXXX XXXX I sent another letter asking them to please comply with the mandate set forth by the FCRA. Today I have yet to hear back from them. 

I have detailed records of all my letters along with certified postage and return receipts.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (VA)

Commencing on or around XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to a fraudulent investment firm ( s ).
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kelsting Group, Inc. (CA)

I have a fraudulent collections remark on my credit report. XXXX XXXX has made a false claim that I owe {$440.00}. I have never visited, let alone received treatment from, this medical group. To further ensure that this claim was made falsely, I have checked all of my email accounts and medical records and have found no invoice or record pertaining to XXXX XXXX. This debt was sent to Pacific Credit Services on XX/XX/XXXX. I have never received a single statement or debt collection call about this debt. This false collection only came to my attention after signing up for credit karma yesterday ( XX/XX/XXXX ) and noticing the derogatory remark that has been made in error. This debt does not belong to me and I have never been contacted in any way to pay this debt.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (GA)

XX/XX/XXXX- XXXX XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to XXXX, Equifax and XXXX. This is not my account.