davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

1. On XX/XX/XXXX, I had heard of a lead vendor named XXXX which is supposed to supply lead info for mortgage inquiries by consumers- through previously unknown members of a XXXX Group for mortgage loan originators. In hindsight, I guess they were apparently working as solicitors for this scam ( see attached pdf titled, solicitors ). 
2. Believing their recommendations, I contacted the company XXXX and spoke with XXXX XXXX on XX/XX/XXXX, who verbally promised me everything I was told by the two solicitors and also promised to give me a free bump up to Advanced package for Starter price ( which entitled me to XXXX NEW lead credits for next 6 months, + 2 free XXXX day old leads per day [ Legacy Lead, they called it ] ) ( see attached pdf Verbal Promise page 2 ) there was no contract signed, no DocuSign agreement- all of this was verbal- I am just a stickler for details so I had e-mailed this screenshot to myself at the time ) 3. I was sent an e-mail receipt during off-business hours on Sat XX/XX/XXXX XXXXXXXX XXXX ( see attached pdf titled Receipt from XXXX ) 4. Within 24 hours of utilizing their system, I realized that the data were false and these people whose information XXXX is selling never applied for any of this, so I contacted XXXX and demanded immediate cancellation and full refund. ( Please see pdf titled, Cancellation & Refund Demand in Writing and Some of XXXX Complaints ) 5. Once XXXX called back and stated there is no refund, I hung up and called Wells Fargo and filed a fraud claim on XX/XX/XXXX, the same day the charge appears on our business account. 
6. Wells Fargo sent us their first letter dated XX/XX/XXXX informing us of provisional credit of {$2100.00} we were charged by XXXX. ( please see pdf titled, 1st Ltr received from WF XXXX '' ) 7. On XX/XX/XXXX at around XXXX PST, I contacted Well Fargo and spoke with representatives XXXX XXXX XXXX at Wells Fargo Claims Assistance Center , as well as a supervisor named XXXX XXXX explaining the scam I was victimized by in detail. 
8. On Tuesday, XX/XX/XXXX XXXX XXXX, I sent a detailed e-mail to Wells Fargo Fraud Investigation Dept ( please see attached pdf titled, E-mail to WF XXXX '' ) 9. Wells Fargo sent us their second letter dated XX/XX/XXXX informing us that they will take back the provisional credit of {$2100.00}, were charged by XXXX, stating " charges were made by you or someone who had your permission. '' ( please see pdf titled, " 2nd Ltr received from WF XXXX '' )
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NV)

I noticed on my credit file that I had some incorrect information being reported on an account. I called the account and verified with them and they validated that the information was incorrect. I submitted a dispute with Equifax and they sent me back the dispute and confirmed there was no historical data for the account and it has been updated. However, the account still shows the inaccurate information.
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, XXXX, I made a domestic wire transfer from a business account held in XXXX XXXX  in XXXX, Texas in the amount of {$14000.00}, to an auctioneers business account held in Wells Fargo Bank. The beneficiary is located in XXXX, Texas. 
The transaction is in payment for goods I purchased from the XXXX Treasury auction. 
XXXX XXXX  completed the transaction, and the wire was received by Wells Fargo on XX/XX/2022 at XXXX hrs. The confirmation of the wire is FED XXXX Wells Fargo held the payment for three business day without justification ; thus, causing undue delay which caused, and is still causing me serious financial damage. The payment is still not released until the time of filing this complaint
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I am filing a complaint against Seterus Inc . In XXXX of XXXX I applied for a refinance on two properties. XXXX held one of the mortgages. I called XXXX on the first week of XXXX to request all of the information on my loan. I was told it would take 8 business days. After four business days my lender asked if we could try and get it sooner so that we could close. I contacted Seterus again and they told me to go on their website and retrieve the documents I needed. After several failed attempts, I called Seterus back and they were not able to tell me why I was not able to retrieve it. I was also told that the person that took the first request for the information did not put it in the system, so it would be another 8 business days before I could get it. I contacted my lender and she told me that was unacceptable and they should have given me the information. Together, we did a conference call and asked for a supervisor. The supervisor then assured us we would receive it in 3 business days. That did not happen so we had to do another conference call. We asked for a supervisor again, the man that was placed on the phone was very rude to the lender and myself. He became very irritated and asked if he was being recorded, my lender replied she was on a recorded line so he denied anything further to say if he was going to be recorded. My lender then hung up from the call, so I asked him for my information. He could not tell me the information I was requesting which was how my payments are broken down to taxes, principal, insurance, etc. Seterus has had my loan since XXXX, I have paid them more than the payment asked for every month thinking it would be paying down my loan. It was a thirty year fixed and since they have had it, my monthly payment amount has gone up 4 to 5 times. This company needs to be investigated they lie to you everytime you call to get any information. Everything that I have been put through due to them could have cost me my loan and my interest rate. The other refi I did with another bank gave me my information in one week and returned my XX/XX/XXXX payment in full. Seterus did not return my XXXX payment and they prolonged my funding. This is not acceptable as this company should be held accountable for the stress they have put me through. Companies that treat their clients like this should not be allowed to operate. I know that there are hundreds of people like me that Seterus has treated unfair and like myself put me in a stressful situation. Seterus should have given me my information in a timely manner and should have been professional about it. I never was late or missed a payment. I would like my XXXX payment and any other money that they owe me returned. I can not stress enough how this company should not be allowed to operate in the manner that they have. They need to be stopped and investigated and not allowed to hurt any other consumers.Please investigate this company I could have closed sooner and saved money and time.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

Equifax has an item listed on my credit report this item is from XXXX it is dated XX/XX/XXXX so this item is not mine I never noticed it on my report. Till recently they last reported the item XX/XX/XXXX. This company constantly reports this item once a month causing my credit report to be effected. I asked Equifax to verify this item withing 15 days after the item came back as verified. According to FCRA they never sent me any verified information within the 15 day time frame. They never sent me any information period. I want this item removed immediately.
Consumer complaint received 2022-08-04
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. (MA)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX EQUIFAX and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove the listed items below : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I attempted to close my bank account with First Niagara Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX NY on XX/XX/2016. To date, the bank has failed to provide me with my account balance. They claim a check was mailed on XX/XX/XXXX however it has not arrived and they refuse to stop payment and reissue as I can arrange pickup.
Consumer complaint received 2022-04-14
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. (NC)

Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX Equifax and XXXX has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-01-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen has filed foreclosure papers on my home at XXXX XXXX XXXX, XXXX XXXX, Texas. American Home Mortgage breached my contract by charging me for unjust late fees, illegal charges, and a fathom " escrow '' account amounting to almost four years of payments making my " real interest rate '' about 46 %. They are using a robo-signed Corporate Assigment of Deed of Trust signed by " XXXX XXXX '' .Ocwen has no real interest in my loan. I quit making payments to American Home after a XXXX audit revealed what they were doing.I have not made a payment since XXXX 2011. These people from XXXX XXXX on down are criminals. I was XXXX in Texas for 48 years. I would be in jail if I had done this. XXXX XXXX XXXX and XXXX is the foreclosure mill that is still using false papers, they need to be sanctioned, Ocwen promised in the settlement with the Texas XXXX that they would no longer use fake papers to foreclosue but here they are doing it and the law firm knows it is illegal which makes then guilty XXXX. I have sent a notice of recission to Ocwen and they did not respond. The reciission is in effect and no effort has been made by Ocwen to file suit to remove the recission.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (DC)

I worked diligently to make 12 monthly on-time consecutive payments ahead of applying for cosigner release. Navient denied my application stating that I had not made the necessary on-time consecutive payments when in fact, a look at my statement clearly shows the payments were made as required. A representative for Navient tried to tell me it was due to how I made my payments ( I have my payment go from my bank to Navient in XXXX installments each month, both completed before the due date ). They further claimed that a couple of my payments were less than required. At this I asked if it was the case, then whey did I not received a late notice or fee. I shared with representative I spoke with that the payments were smaller in the cited months because the interest rate was lower. Still I received no acknowledgement that the payments were on time. 
Further, in my communication with Navient, they said they had only looked at one criteria for the denial and had not even looked at others such as credit score, etc. yet. My question is if there is an application submitted, why not weigh it against all criteria at once. Why tell me no, then if I get over that hurdle, tell me no again for another reason. Navient painted a rosy picture misleading me that the cosigner could be released, but instead have put up tons of roadblocks. Clearly, Navient has no intention of releasing the cosigner and will continue putting roadblocks to prevent this from becoming reality. 
Morever, there was a time when I was experiencing hardship and called Navient to ask that they reduce my payments. I indicated that I could pay {$50.00} a month. Navient steered me into deferrement ultimately increasing the overall cost of my loans. I 'm not in the business of quoting Donald Trump, but " These are some very bad people ... '' Even today, my loans are strangling me. I do n't even bother to call anymore, I just pay and sacrifice the rest of my life. Another quote " Sad! ''
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. XXXX  is always the lowest score across the board..why when same information reflects on the other 2 reports by XXXX and Equifax?
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MA)

Between XX/XX/2022 to XX/XX/2022, a CitiCard Advantage Credit Card was opened in my name. This also resulted in a credit transfer. The transfer amount was undisclosed by Citicard. Citicard stated my personal information and address was sued in this account. Citicard has began an investigation and has closed the fraudulent account. They will follow up with me by letter with a few week.
Consumer complaint received 2022-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

In 2019, my wife and I received a call from a Wells Fargo Mortgage employee, and they stated that I had let my flood insurance expire, but they were able to get me into a policy. They stated that I would have to pay the penalty because it expired. My flood insurance went from {$410.00} a year to {$6200.00} a year. They also stated that this was going to increase my mortgage payments in order for me to pay the penalty. I began paying my new mortgage payments for several months when I realized that my flood insurance was paid through my escrow account, which is the responsibility of Wells Fargo. When I called Wells Fargo, the next lie that was told to me was that my home was re-zoned in a different flood zone through FEMA, and that was why my flood insurance was so expensive. I reached out to FEMA, and they told me that my home was never re-zoned and that Wells Fargo had lied to me. The third lie that Wells Fargo did was I cancelled my home owner 's insurance with XXXX and went with XXXX. This took my homeowners from approximately {$1500.00} per year to {$1100.00} per year. Then Wells Fargo sent me letters stating my escrow account was going into arrears, so I asked them to send me the paperwork. When they sent me the paperwork, I saw on the papers that they had both my XXXX and my XXXX insurance policies, and that is what was causing the arrears. After this was brought to their attention, they did send me a check because my escrow account had a surplus. Maryland law requires that any overage of {$50.00} or more is to returned to you at the end of the year. My escrow account has been over for several years, and I have never received my overage payments. I was sent mediation paperwork back to Wells Fargo, and they never got back to me. Also, I had made several attempts to speak with them, but they kept handing me off to different employees. This is a scam. I have since refused to pay my mortgage payment after over twelve years on a 20-year note of never being late. My wife and I are nurses and these have been troubling few years and we have been harassed by this company for all of these years. I decided to no longer send in my mortgage payments I am paying them into a separate account because this company has deceived me for the last time. I have asked them to no longer contact me that I will see them in court. They continue to contact my wife and me and I have had it with them. I was recently contacted by the XXXX of XXXX XXXX in Maryland, where I sent them documentation proving my actions. If you have any further questions, I can be reached at XXXX. Thanking you in advance. XXXX XXXX
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

In XXXX  and XXXX  of XXXX I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2020-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (NV)

i was under the understanding that i made a agreement to freeze the account back in XXXX and i finally with back to work in XXXX and i made a payment arrangement made a payment and was to start to make payments to have this account paid off and as soon as i made the payment west creek financial started reporting the account 60 days late now i had to pay the account off with money i don't have so my credit report don't have any bad marks on it i believe they lied to me and now they are saying i have to wait 30 days before they can do anything i do believe this may be a violation of the cares act. 

XX/XX/XXXX made a XXXX payment payment arrangement was to pay XXXX per month starting XX/XX/XXXX to have agreement paid off in XXXX XXXX but as of today XX/XX/XXXX i paid it off XXXX i believe they set me up to report this on my credit report and took advantage of me as a consumer.