davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (OR)

XXXX   XXXX     2016 I called card servic es and asked that my annual rewards program renewal fee not be dedected from my account as I did not want to pay the fee at that time. My intention was to start the rewards program back up at a later time. What happened is that they changed the product type of my credit card from a rewards card to a platinum card. I did not understand and was not aware of this change. I did not consent to this change. My sole intent, which I made very clear, was to not be charged the annual program fee at that time. As soon as I realized the mistake I called wells fargo and asked them to fix the mistake . Wells fa rgo now states that I am ineligable to switch the products type back to what I had.
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrated Recovery Services (TN)

I was not home and a company named Integrated Services. The persons name was XXXX. The voice mail message that was left was they were trying to contact me for a legal address for service and to call this number XXXX to provide a formal statement. Failure to respond could lead to verification of employment and liquid assets to avoid this call my office immediately. My wife heard this message and it troubled her. It is my understanding that according to the FDCPA a company ca n't leave a voicemail message like this without my consent as a third party can hear it. This message is also asking for me to make a formal statement which insinuates this is an attorney or law enforcement agent. If this is a legal debt then i would like this agency to pay it for violating the FDCPA.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Over the course of the past month from XX/XX/XXXX to XX/XX/2021 I have been scammed by a fake trading platform called XXXX XXXX XXXXXXXX  The site has recently been taken down. However, the scammers also have another site that goes by a different name but is identical that is still up XXXX XXXX XXXX  They claim to be located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I invested {$31000.00} from my Coinbase account. Once I discovered the XXXX XXXX  platform was fraudulent I contacted the following government agencies to report the crime : FBI, SEC, FTC, XXXXPD, and CA Dept of Financial Protection and Innovation. I also contacted Coinbase to request a refund of the transactions per their user agreement that stipulates the following " The policy insures against theft of digital currency that results from a security breach or hack, employee theft, or fraudulent transfer. '' They state that they have criminal insurance to cover this type of fraud, but they are refusing to refund the transactions. Link to the user agreement can be found here XXXX XXXX XXXX XXXX  Can you help? I have evidence and documentation of everything that has occurred.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Attempted to place a freeze on my report with Equifax due to data breach at approx XXXX on XXXX2017 via Equifax online website form. I entered all required info and website stated there was an error processing. I assumed it was because I was on my phone so I tried to place freeze using my desktop computer. I again entered my info but it is now showing that freeze did go through, however I was not given a 10 digit PIN #. I now have no way to unfreeze this account. I 've tried contacting Equifax but I can not reach an actual person at all.
Consumer complaint received 2022-03-11
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

I modified my home Mortage after Covid forbearance. Once I completed the trial period my Mortage company reported the late payments which dropped my credit score XXXX points.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

We switched insurance companies and we received a refund on our prior policy premium. Bank of America ( XXXX ) asked to have this check forwarded to them so our Escrow account balance would not be low on or about XX/XX/XXXX. I signed and mailed in the refund check to XXXX. They returned the check since my wife did not endorse the check too. 
Inside of this returned check was a generic statement of why the check was sent back dated XX/XX/XXXX with our name. there was also someone else information in this envelope as our returned check was stapled to the information. The other individual paper work was the same generic letter dated XX/XX/XXXX which contained their name, address, and loan number. This is a violation of the XXXX XXXX XXXX XXXX. 
I contacted XXXX  on XX/XX/XXXX to find out more information in terms of if my information was sent out to the person 's information that I received or to someone else. The customer service rep had no information and stated that there was no other department or service that could assist with this matter. They did ask for me to mail back the other individuals information, which I will. With XXXX having access to valuable/life changing-threatening information and they can not and do not have a process to be able to track or tell me where or if my information has been breached needs to be addressed. A simple I am sorry from the customer service rep does not address or complete the process to address this issue. 

Looking on the internet this was the only government body to place a complaint, I could not find on specifically for the XXXX. If this is not the correct place to make this complaint, can you please direct me to that governing body? 

I do have copies of the information, but I will not attach to this part of the complaint.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (VA)

I received a toll violation around XXXX of 2016. The company linebarger law firm was representing XXXX to collect a debt. Upon further research I found that the violations were made when these vehicles were not in my possession as they were sold before the date of the violations. I have been sending letters back and forth with this organization for 10 months and even had to get my lawyer involved. I have proven that this is not my debt but I continue to receive harassing letters from this company. At this point I have done everything I can. I can supply all correspondence and documentation between me and the agency over the past 10 months.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: COOLEY ENTERPRISES INC (TX)

Hello, I am submitting a complaint after several rounds of dispute letters. Clay cooley is still being reported in my credit profile when the loan account was transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this Clay Cooley account still reporting as opened when it was sold and transferred. I have attached proof for both accounts. The account status is incorrect, please remove this from my credit profile. This has already been claimed on my taxes as well
Consumer complaint received 2021-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX at XXXX I sent an email to the CEO ( XXXX ) of CapitalOne requesting a XXXX  adjustment in regards to a missed payment from XX/XX/XXXX showing on my credit report that was due to extenuating circumstances at the time. A CapitalOne rep called me on XX/XX/XXXX at XXXX ( that lasted 3 minutes long ) to tell me that she was a representative regarding CapitalOne, that a team investigated the matter, and that they don't do XXXX adjustments because they have to report everything accurately. My sister had a similar situation and explained everything, and got a XXXX adjustment with the late payments removed, I have seen other letters online of people showing their XXXX request being approved from CapitalOne, so I do not believe that information is true. I know many others who have also reported getting a XXXX adjustment and this is my first very time ever requesting something like this. I have sent an email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not heard anything back yet.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a credit card with  Capital One . I made a online payment on    XXXX   XXXX   XXXX     , but the payment was erroneously from a bank account I had closed, that was still listed on their site. I choose the wrong bank account for my payment. I didnt realize this until weeks late when I checked my bank account and did not see  Capital One pa yment posted. ( I checked on  On   Capital One  site, it stated that my payment has been received and no payment is due at the time. No where does it state that the payment were returned ) .After realizing this I called Capital One and explained to them it was error, I accidentally chose the wrong   bank account. I made my payment with the  Capital One Rep  and he also waived the late fee. I have a 30 day late payment on my credit report. I have dispute this late payment and also, I have called  Capital One  to see if they can do a goodwill adjustment since I have been with them for 6 year and never been late and they said no. Please keep in mind that I never received a called or a letter regard my late payment. I understand and know it is my responsible but,  If Capital One had   called, email or mailed me a letter regard my past due account I would not have this late payment.
Consumer complaint received 2016-04-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I also want you the cfpb to know that I did a deposition for a lawyer out of texas, he is defending XXXX whistle blowers that use to work for ocwen and I came across some very interesting emails from ocwen laughing and joking at our situation.. a lady named XXXX XXXX and another lady lol with smiley faces one asking the other to get us a mod and the other one saying like that will ever happen lol with a smiley face at the end ... but since you guys have let them do this to my family since 2011 you probably think its funny too ... thas fine and now the have XXXX to foreclose on us right after our deposition and they are the ones making a joke of it ... that 's ok its things like this that make our cases bc no one else cares and that 's the truth ... shame on you cfpb
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (TN)

Equifax refuse to include my maiden name. I 've submitted my drivers license in XXXX. My married name is XXXX. All of my former employers have been deleted. I sent a current copy of my social security card with my name as XXXX XXXX XXXX. I 've sent a copy of my IRS statement showing my name change.
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I have owned this condominium since XXXX. I have had a mortgage loan through SUNTRUST the entire time. the original purchase price of the unit was {$120000.00}. I refinanced under the HARP program in XXXX to reduce payments after I lost XXXX % of the value of the home. The mortgage loan amount, at the time of the refinance, was {$110000.00}. My current principal balance is {$86000.00}. 
I have made numerous written attempts to remove PMI ( $ XXXX ) and they all have been rejected. I have been paying mortgage insurance for well over 10 years on this property and paid below 80 % of the original loan amount.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (TX)

This compliant has two issues.
1 ) Loan open on XX/XX/XXXX On XX/XX/XXXX a regular payment was made totaling {$1100.00} of which XXXX principal XXXX was interest and XXXX was escrow. 

on XX/XX/XXXX a regular payment was made totaling XXXX of which XXXX principal XXXX was interest and XXXX was escrow. 

Question I. why was interest XXXX on XX/XX/XXXX when as of XX/XX/XXXX interest was paid up. Between XX/XX/XXXX and XX/XX/XXXX should only be 3 days interest. 

On XX/XX/XXXX I went on BI-weekly payments. There is a {$200.00} charge to start Bi-weekly payments and an additional {$7.00} charge per payment. I was told the charges results from the the payments being manually processed. 

Question 2. Despite payment withdrawal be made time all payments are posted on the 10 or last day before late charges. This allows the mortgate company to collect 10 days interest despite have the payment in hand. This has been happening the last 6 monthes.
Consumer complaint received 2024-01-29
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. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I have a home loan with Union bank. They contacted me for a refinance. My current rate is a XXXX. They offered a rate of XXXX. I filled out the paperwork. Most of this was online since COVID was going. Ive retired since I acquired the first loan and my income isnt as much as when I was working. They told me I didnt qualify, asked if someone could co-sign. I told them my son, but he doesnt make much money. We sent his info. The loan officer called and said everything looks good. He said I needed to show 6 months of reserve payments and pay a {$500.00} loan processing fee. I did both. About 3 weeks later I get a little letter in the mail, saying we didnt qualify and no loan. I called the loan officer and asked where my {$500.00} was He said it was non refundable. No one told me that and on the receipt it doesnt say that I asked to speak to his manager, was told he would call me later Never received a call back
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (FL)

We have now had to deal with this account twice. Mountain America sold this debt to XXXX collections at which time we did a pay for delete through bonneville and the account was satisfied ( we have documentation of this ). Mountain America removed it from my credit in XXXX and then reapplied it to my credit in XXXX, even though they had sold the debt to XXXX and no longer owned the debt at all. It is still appearing on my credit which the account was initially from XXXX ( so an eight year old charge off ). We launched an investigation with mountain America and the representative I worked with ( XXXX ) even stated that there was an error with this account and they were working on it. We were later informed that they decided the information is correct even with the pay for delete letter we sent them. No actual explanation as to how they came to this decision. We would like this item removed permanently from my credit as soon as possible as this is impacting my credit and messing with my home buying process.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or was opened without my permission. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP (WA)

XXXX XXXX XXXX ( XXXX ) sent me a debt collection letter stating I owed them for my private student loans that were disbursed in XXXX and charged off XXXX XXXX which is 15 years after I opened the debt and the end of the re-payment period. 

I asked XXXX for debt verification as the lender has no record of any of my original debt. XXXX sent me the private loan application I completed in XXXX and a summary of my payments, including the charge off in XXXX. It still claims I owe them for the entire debt. 

They did not provide proof that I still owe the debt, that the original lender has any record of this debt, or what amount is currently owed- they are claiming I owe the original amount that was disbursed. This is fraud and financial exploitation.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft transunion must remove the inquiries immediately. 

XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MI)

My wife a nd I purchased a new vehicle. We went through Wells Fargo for our loan. Less then a month later, we refinanced with our credit union. Wells Fargo signed off on title and sent a letter releasing the lean. After a month went by, we received a bill from Wells Fargo that we owed them money. I contacted Wells Fargo and tried to resolve the issue. I informed them that we received letter of release and that Wells Fargo was not on title anymore. They said that we still owed them money and it needs to be payed. I stated that my credit union payed off vehicle and they where new lean holders. I informed them I was not paying. I asked for a manager and she was completely RUDE! They reported to all credit bureaus that i was late on payments a nd this dropped my credit over  XXXX  points. They also sent us to a internal collections. I 'm still trying to resolve issue at this time. I have submitted disputes with credit bureaus. this is a very long and stressful process! I am absolutely apald hoe they can destroy my credit so easily and not care that we have evidence to back our self up.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

I got a loan from  rooms to go th e bank that fiance the it was synchrony Bank. I paid the account in full in   XXXX   XXXX     in   XXXX   XXXX   XXXX     sent me a letter saying that I still owe them money. So I in return sent copies of checks showing that the accounts where paid in full. But they are still reporting to the credit agencies late payments which is wrong.