davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TN)

My father has been in the hospital since XXXX XXXX XXXX unable to handle his finances. We called XXXX XXXX to gain access to his accounts with the Power Of Attorney papers which they would not accept over the phone. They required us to bring it and us to a bank branch with a notary in house. The closest one was 4 hours away so we left work midday on XX/XX/XXXX16 and after 4 hours we supposedly left there with the ability to log into www.wellsfargo.com and create a user name and password to handle my fathers accounts. Except the credit card they sent the paperwork to that department and said that it could take up to 4 weeks before we can access it. We drive 5 hours home ( rush hour traffic in XXXX ) and upon trying to do as instructed it said that it could n't find my information to call an XXXX number so I call and the woman says that I need a reference number repeatedly and something about the account being locked. Monday XXXX/XXXX/16 I call as soon as the branch opens and ca n't get XXXX but XXXX says that we have to be there in person with our ID for the online people to unlock the account. You have to be kidding right? I call back and he says that he will see what he can do. Hours later I call and get him again and he says that every time he tries to call he gets interrupted and just after talking to him XXXX calls and she says that she will check on this and call me back. Here it is after XXXX here in XXXX and still no access. After we got home also I called to check on my father and he is getting worse and may not be here much longer. If I spent the last weekend of my fathers life playing games with Wells Fargo instead of seeing him this is sad and pitiful what they do to people.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I was a victim of identity theft XXXX XXXX XXXX two acount, XXXX XXXX XXXX /Lvnv funding LLC two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the Attorney General XXXX XXXX. I wrote to the XXXX Corporation I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed. 
Last but not least XXXX XXXX XXXX / Lvnv funding LLC I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.
Consumer complaint received 2015-12-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ROC Asset Solutions, LLC (MS)

I have been receiving calls from an unknown debt collector. They have not given me any information as to who they are, a physical address, and call me day and night, after I have repeatedly asked to only contact me through mail. Now they have called my work without my permission. I do n't even know how they got my work number, and jeopardizing my job by doing so.
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

I was offered a credit card from AMEX with XXXX bonus XXXX Skymiles miles if I spend {$1000.00} in the first 3 months of getting approved. I accepted the offer and was approved for it. I met my {$1000.00} charge in the first month of receiving the card. After 4 months of not receive the skymiles I called AMEX. I was told that I had an account 3 years ago and do not qualify for the offer. I WAS OFFERED THEN APPROVED FOR THIS PROMOTION. I believe there is false advertising, bad faith, and poor business practices in tricking consumers to obtain AMEX credit cards.
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (GA)

I opened the account of Binance.US to buy cryptocurrency on XXXX and deposited {$5000.00} on same date. When depositing {$5000.00}, there was no issue. However, after depositing the amount, the account status was changed to " pending verification '' which remains almost 4 months. Nothing can go forward under pending status. 

I wanted to withdraw the deposited fund but able to transfer because the account is under pending status. I submitted 6 tickets to resolve this issue but answered at all. 

I want to transfer the amount to checking account and cancel this account. No customer service available.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (CO)

Closed mortgage loan #  XXXX  on   XX/XX/2017   property address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . Mortgage held with  Academy Mortgage Corp.  They cash a check for the amount of {$2100.00} on th e  XX/XX/2017 .      Academy sol d loan   XX/XX/2017   to  XXXX   XXXX ,  XXXX  took over the servicing.  Academy failed to  apply the payment to the loan prior the the sale leaving me and  XXXX  and the new servicer with the incorrect balance.     Academy Mortgage the applied a payment of {$2100.00} with a  date  XX/XX/XXXX . I w ant you to do a full investig  ation of this matter.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

A Credit Collection agency report that I have co signed on loan for XXXX I 've been disputing these charges and filed a police report. The reporting agency only states the debtor stated my name, address and SS # is correct and they consider that enough information to verify it 's my account. They have no documents showing I co- signed for any loan or anything. Just a call verifying my information. I 've had a fraud alert on my account to prevent this fraud and Eqifax continue to allow this false information on my credit.
Consumer complaint received 2016-01-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CONDOR CAPITAL CORP (FL)

Tried for a few month trying to pay my car payment online ( condor capital Corp ) and when I called the number billing department in New York is not dealing with payment to call XXXX XXXX gave me new number which is now in XXXX XXXX I ask them to send information to me in writing so I can see what I 'm paying for. They told me they need will have to request from manager. and to send secure payment will except XXXX XXXX or money gram. Very confused getting run around since XX/XX/XXXX
Consumer complaint received 2023-04-15
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. (IL)

Dear Sir/Madam, I am writing to file a complaint against EQUIFAX, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ). EQUIFAX has reported false personal information and information not related to my legal identity, specifically, my legal name, is incorrect.

The FCRA mandates that credit reporting agencies maintain accurate and complete information about the individuals whose information they report. Under section 607 ( a ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. On XX/XX/2023 ( today ), I obtained a copy of my credit report from EQUIFAX and discovered that my personal information was incorrect. Specifically, my legal name is completely incorrect. This error by EQUIFAX has led to reporting information not related to my legal identity. 

Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), states that credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy of the information they report. Despite this legal obligation, EQUIFAX has been reporting information not related to my legal identity, including credit accounts and delinquencies that do not belong to me, causing harm to my credit score and stifling my financial opportunities. As evidence to my complaint and to verify my identity, I have attached a copy of my government-issued driver 's license. 

As you are aware, 15 U.S.C. 1681g ( a ) ( 1 ), requires that credit reporting agencies provide consumers with access to their credit reports and investigate disputed information within a reasonable period. Furthermore, section 610 ( b ) of the FCRA requires credit reporting agencies to investigate any disputed information and make necessary corrections or deletions. I am therefore appealing to the CFPB to take immediate action and require EQUIFAX to investigate this inaccuracy in my legal name and remove all incorrect personal information and any information related to the incorrect personal information from my credit report. I also request that EQUIFAX conduct a thorough investigation into the accuracy of my credit report and provide me with a copy of the corrected report within 30 days. 

I am looking forward to a prompt resolution of this matter. Please let me know if you require any additional information from me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (ME)

I got a letter in the mail with a account summer of a chase account that I didnt open. Not sure if its a scam. I tried to call chase & they wouldnt comfirm or deny if I had a account with them.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

I have written to JPMCB on two occasions pointing out they are reporting a 60 late in the Payment Status when the account shows closed with a XXXX  balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. The same inaccurate infformation is reporting on two other accounts. See attached excerpts from the credit report and the most recent letter dispute.
Consumer complaint received 2016-07-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (TN)

I recieved a Debt owed letter from Convergent Outsourcing, Inc ; Regarding Creditor ( XXXX ), Original Creditor ( XXXX ) Total Balance supposedly owed is {$690.00}. I have tried repeated attempts by phone to contact all parties and none of them seem to be able to tell me information about this account. They all say there 's no recorder of this info, however I have the letter and believe this debt was already paid for in past. Please have this taken off all credit bureau reports ( XXXX, XXXX, and XXXX ). Thank you and Please send info by mail or call.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus XXXX, Experian, and XXXX. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all 19 items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX  Credit Report XXXX. I am disputing the accuracy and legitimacy of these account charges. When they initially surfaced, I contacted USAA and advised them that both me and my wife were identity theft victims and that we had not made these charges. Subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my wife had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I met with similar results with our XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX has repeatedly stated they are under no obligation to conduct any subsequent investigation. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA, XXXX XXXX XXXX XXXX and XXXX  have failed to do either. I demand to be provided the results and a copy of the actual investigation conducted on each of these matters, contemporaneous to the event and report.
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (NJ)

Regarding : Consumer Financial Bureau Case number : XXXX I have not received the following information : the contract between your company and XXXX showing your company owns this debt. As well as proof of debt showing a detailed print out of all payments and adjustments within the next 5 business days as this was previously requested.
Consumer complaint received 2015-04-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (FL)

Pre recorded msg states they are collecting adebt for a name I never heard of. Says if I am not this person hang up otherwise I am acknowledging I am this person. I have tried call block but switch their number. Caller ID says XXXX offices. Numbers start with XXXX.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MIDCOUNTRY FINANCIAL CORP (IL)

I have an installment loan that I have had for about 4 years now. My vehicle is being held as collateral. Heights Finance will call my phone and my place of employment up to XXXX times per day each. Often times due to only one person income I pay within 30 days of due date. My recent ACH payment has been returned after only being processed once in my bank account. XXXX XXXX from the XXXX IL Branch, contacted my place of employment and spoke with one of my co-workers which happens to be one of my employees and advised her of the amount that I was behind and that the check had been returned after the co-worker advised that if it was regarding a debt she should really contact my personal cell phone. She has also left messages threatening a judgement for being 30 days late.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

Our firm represents XXXX XXXX, 21-year owner of the property sold on XXXX XXXX, 2015 via trustee 's sale. We believe that sale is invalid, and in violation of RESPA. We are asking the CFPB to contact the servicer, Ocwen. A third-party purchaser issued the consumer a five-day notice to vacate, so we are immediately seeking to have Ocwen rescind the sale, on the grounds that it is invalid. 
XXXX XXXX is XXXX was XXXX in active loss mitigation, yet Ocwen foreclosed. Ocwen entered a trial payment plan with XXXX XXXX in XXXX 2015. Attached is a statement which makes note of the establishment of a TPP. We have payment stubs that evidence the consumer was performing under the Plan ; payment receipts for the months of XXXX, XXXX, XXXX, and XXXX 2015. 
Ocwen neither denied a permanent modification, nor granted XXXX. It issued nothing in writing to the consumer, and consumer continued to perform under the TPP. 
Despite a live loss mitigation that includes a TPP, Ocwen foreclosed on the consumer 's property. The Trustee executed its sale on XXXX XXXX, 2015 selling the home to a third party. The Notice of Trustee 's Sale is attached. ( The sale executed on XXXX XXXX although you may notice that the original Notice of Sale schedules it for XXXX/XXXX/2015 because Arizona law allows foreclosures to proceed any time thereafter without rescheduling/fresh notification ). 
We believe the sale was prohibited by the federal regulations that place a moratorium on foreclosure during loss mitigation. During a Trial Payment Plan, that moratorium is absolute : no trustee sale may be executed during performance under a trial payment plan. Specifically, a servicer may not conduct a foreclosure sale if a borrower is performing pursuant to the terms of an agreement on a loss mitigation option. XXXX C.F.R. XXXX ( j ). 
If Ocwen alleges that it denied a permanent modification, we point out that we have no written notice of denial as required under the regulations, and notwithstanding any denial, the timing itself of the sale may have violated other provisions of RESPA. A borrower whose complete loss mitigation application results in a denial for any loan modification also has a right to appeal the denial if the servicer received the complete loss mitigation application 90 days or more before a foreclosure sale or before the date for a foreclosure sale is set. 
Immediate action is required in order to limit liability and an independent action for damages, which our research indicates may be appropriate under these facts. We are requesting the rescission of the sale.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I am currently in review for a loan modification and have a sale date scheduled on XXXX/XXXX/15. I had previously been approved for a loan modification but the paperwork was sent to the wrong address because my property has XXXX XXXX. Needless to say I never received the paperwork and now I have to start over. Now I am being told that because I have a foreclosure sale date on XXXX/XXXX/15 there is not enough time to complete the modification review. Please help get the sale postponed.
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OH)

XX/XX/XXXX, I incurred a debt with XXXX XXXX. Since then, the company has repeatedly transferred the debt back and forth between collection agencies and themselves, and then extending the " reported '' date. Now on my credit reports, the " reported date '' says XX/XX/XXXX -- when the debt was incurred almost 4 years earlier, and should actually drop off my credit report XX/XX/XXXX.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In reviewing my Transunion credit report I discovered an inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/year> .I have never applied for any credit or services from this company. I called them directly and ask what the inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AL)

Submitted via mail on more than one occasion that my credit was pulled in error on XXXX/XXXX/2015 by various automobile financing companies. I provided them with information that would help resolve the matter. XXXX XXXX, general manager at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX spoke with each of the bureaus in trying to help resolve this. Each told him I would have to dispute with them. I did and have yet to hear from Experian about a status or that an investigation has been completed.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DE)

I had XXXX separate debts with the department of veterans affairs. These debts have been paid off and now have a zero balance. I have disputed this information 3 times with Equifax and they refuse to update this information correctly even after providing letters from the VA to them showing zero balance. I spoke with the VA and they advised they reported zero balance to Equifax for these accounts.
Consumer complaint received 2015-07-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AK)

We entered a SAM agreement with OCWEN approximately XX/XX/XXXX. We have been making payments on time and over the amount stated. From XX/XX/XXXX thru approximately XX/XX/XXXX Double payments were sent to OCWEN that we were not aware of. In reviewing our mortgage payments, we did not find where the extra money we sent for payments was applied to the principle. I contacted OCWEN who could not tell me where the additional monies were applied. An accounting sent from OCWEN shows the funds were applied to fees and service charges. The SAM contract we signed does not state that payments submitted in excess of amount due would be applied to 'fees and services '. We contacted an attorney to try to resolve, but OCWEN continues to be evasive and not provide an answer to our inquiry of why were n't the excess funds sent applied to the principle.