davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2021 the fraudulent wire transfer was made on my account for {$5000.00} on Wells Fargo checking account. I filed a complain immediately with my bank to cancel the transfer and reverse the amount. They told me to wait for 10 business days to get my money back from bank. But after 10 business days they said that they the case is closed and they weren't able to reverse the amount. Although when I signed the contract with Wells Fargo while opening my account it was clearly stated that I won't be responsible for any fraudulent charges. Also when I filed the complain about the unauthorised wire transfer, the banker at that time told me I'll get the refund back within 10 business days. Since I am not responsible for unauthorised charges I want them to refund my {$5000.00} back.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (GA)

Credit card companies do a ton of marketing via internet, television, direct mail, etc. The recipients of this advertising is targeted to individuals that are peak consumers of durable goods and services. Those in the life-cycle of early to mid XXXX  ... those that need everything from vacuum cleaners to microwave ovens. To my knowledge, there has never been an ad that warns consumers of the dangers of debt and encourages the responsible use of credit. It is my proposal that credit card entities allocate 20 % of their ad budgets to serve 'warnings of excessive debt ', responsible use of credit, maybe testimonials from those individuals that lives have been destroyed by borrowing/or buying-in to the slick ads that promise : enhanced lifestyles, expedited processing of credit lines, care-free living, etc. There is a huge need for this reality check. Young adults are strapped with student loans and are bombarded with credit offers that result in nothing short of a train wreck lifestyle. BIG Lenders use BIG budget ads for new business with no moral compass for the fallout and that needs to be recognized and addressed-quickly.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MI)

On Friday XX/XX/XXXX @ approximately XXXX XXXX I called into Chase in spoke with a XXXX. I informed XXXX that i believe my daughter was about commit fraud on the bank account we both shared. I explained to her that my daughter was a run away and that i seen something in her inbox on social media something about using her debit card fraudulently and could she close the account and debit card out. XXXX   informed me that I could not close the account or debit card out and that it was nothing she could do because the fraud has not yet been committed. I went on and asked what the heck she meant she couldn't close the account or the cards. Im explaining to you that my daughter is a run away and is fraud is about to be committed fraud on this bank account and I'm trying to prevent it. I argued back and forth with XXXX about the closing of the account because i would be the responsible party, shall any fraud happens, XXXX finally agrees to close the account. 5 Days later i log onto my account and notice that and negative balance for XXXX is placed on the high school checking. I do some research and find out that, the card or the account was never closed. On or around XX/XX/XXXX a deposit was made in the form of a check wrote out to XXXX XXXX in the amount of {$1400.00}. I immediately contacted the bank and explain to them about the conversation I had with XXXX and that the account was been closed. At that point they informed there was already a dispute in process not to worry. About a week or so later I recieve a letter in the mail stating that i owed XXXX plus applicable fees. I should not be responsible for her fraud. I did my due diligence by contacting chase trying to prevent the fraud. Furthermore I was lied to and was told that account were closed. I been with Chase for over 10 years and I have never had an issue like this. I have the recorded call to chase on the night I was told that the account was closed.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

On or about the beginning of XX/XX/2018 I was notified by email from XXXX XXXX that they were servicing a student loan in my name. I requested documented verification that this debt was, in fact, something I had taken out and to date, I have received nothing. After multiple emails and calls, I received a pay off amount of {$8600.00} from a customer service representative. I paid that amount in full on or about XX/XX/2018. I am now receiving threatening emails and calls about an outstanding and overdue balance on the very account I have paid off. After multiple calls I am being told I have an outstanding balance of {$63.00}. I have been requesting information and documentation about this debt since XX/XX/XXXX and have not received any documented indications that this debt is in fact mine. I have requested that XXXX XXXX   preserve any information about this loan for litigation purposes and when I asked for a contact in their legal department I was declined. When I looked online for a person that could accept service there was none listed, not even an address.
Consumer complaint received 2018-04-03
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. (SC)

I sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX   notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX  was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

For more than two years, reporting this account as fraudulent, firstly through XXXX, through Synchrony and through XXXX XXXX with whom I have cooperated directly via telephone and through affidavises including copy of my driver 's license, copy of Police report and sworn statement before a public notary, even so they continue to report this Walmart account # XXXX fraudulently opened XX/XX/XXXX, with a postal address, telephone number and apartment not associated with me as VERIFIED VALID " which is completely Wrong, not even payments and purchases are not related to me or my bank account, as we were able to verify through the documents that XXXX XXXX and Synchrony Bank keep on record and were sent to me as part of the results of the dispute of XXXX / XX/XX/XXXX.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I found out this servicer NATIONSTART/MR COOPER doesn't have the legal standing to service the Deed of Trust Account, I said this because it occurred an illegal transaction between XXXX   and Nationstar around XX/XX/XXXX Its my understanding XXXX  and Nationstar in the capacity of Servicer cant do a Sale/Transfer on the account without the Approval of the investor XXXX XXXX. In the past I opened an inquire against both of them and now reviewing the principal amount balance it differs from the Amount originally I got it this deed of trust. Further more Nationstart used formal documentation to attest an untrue fact on the origin of the Loan as it shows in the Tax form " it shows XX/XX/XXXX '' which is not the true at all. It was several years before XX/XX/XXXX Also in the last monthly statement I received in the 2nd page it shows " Lender Expenses '' when They are not. 
I don't know where the money I paid its going They haven t showed me in what account of the Investor its going, also I consulted with the Investor XXXX XXXX for the Servicing Rights to Nationstar/ Mr. Cooper They said they don't have it, Then for I believe Nationstar has initiated an account based with my name to enrich themselves without following the Original Note I signed. Also its my understanding while an amount is been in dispute the creditor/debt collector shouldn't be asses any late payment other ways it should be in violations of my consumer rights under the FDCPA.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

I have put in a number of disputes ( most of which wont generate in their system ) about a collections account for XXXX  XXXX. I have reached out to XXXX XXXX on a number of occasions in which they have requested Equifax to remove the collections from my report. I paid this account off in XX/XX/2020 and was recently denied a home loan because of it. Even after disputing the account with Equifax and the dispute stating the account will be removed, it is still there and negatively affecting me in more ways than one. I believe this is the second complaint I have submitted to CFPB in regards to this matter. I am requesting this account be promptly removed from my credit report. Again, both I and the creditor have asked for this account to be removed
Consumer complaint received 2018-04-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (MI)

On XX/XX/2018, Netspend disbursed interest into the Savings account, but then Netspend promptly withheld some of the interest income claiming that I am subject to backup withholding. I am not subject to backup withholding for the following reasons : Netspend has my correct social security number, I'm a US citizen, and I have not received any notice from the I.R.S. that I am subject to backup withholding.
Consumer complaint received 2020-05-15
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. (PA)

XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX 2020 XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX, 2020 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXX XXXX Inquiry from XXXX XXXX 2020 XXXX Inquiry from XX/XX/2020 2020
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma (MI)

CEASE & DESIST and dispute of XXXX XXXX XXXX  acct ending in XXXX and XXXX This letter is in response to the phone calls and letters I have been receiving from you. According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location. Further, this XXXX account is not my responsibility, allow me to say that again, you are attempting to collect from me a debt I do not have any legal obligation to pay. Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Mi XXXX
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

ACCOUNT/LOAN NUMBER : XXXX XX/XX/XXXX : Completed refinance with XXXX XXXX sold my mortgage to XXXX. 
XX/XX/XXXX : XXXX XXXX sold my mortgage, DBA as Nationstar. 
XX/XX/XXXX : Escrow change increased to {$3000.00} ( no explanation from Mr. Cooper ). 
XX/XX/XXXX : Escrow adjustment increased to {$3000.00} ( Again no explanation ). 
XX/XX/XXXX : I set up Autopayment through Checking account in XXXX of {$1300.00} ( actual monthly payment {$1300.00} ), effective About XX/XX/XXXX - I got alert from Crdit Bureau companies, initially XXXX and my bank and XXXX ( since I set up fraud alert ) of change in my credit. I login into these accounts only to discover that it is from mrcooper, my mortgage company. 
XX/XX/XXXX : I contacted mrcooper. Initially, was told of escrow adjustment " that XXXX did not transfer correct amount, and the crease is due to that adjustment. Further inquire, was for me to contact their dispute office via emailing for late fee charges. I made double payment in XXXX and XXXX through direct payment. 
XX/XX/XXXX : I wrote to XXXX to dispute the late fee and issues of escrow increase due to XXXX allegedly late transfer of my mortgage more than 10 months. 
XXXX XXXX : I received a letter that mrcooper can not waive the late changes because of late paymnet of XX/XX/XXXX. I verified with XXXX of any insufficient fund in my account, which was different from what I was told on the phone. 
XXXX XXXX : i further reached out to mrcooper, this time, I was told of due to escrow adjustment, there is increase, and mrcooper pro-rated escrow and I was advised to reach out to my county Assessor office. I called them, and I was told that my home annual assessment comes in XX/XX/XXXX. Could dis be deception or gimmick from mrcooper mortgage. 
Resolution # ( without taking responsibility ) : XXXX ; XXXX, XXXX XX/XX/XXXX : I filled for removal of the negative credit report since mrcooper, and its agent failed to furnish me any information of notice before negative information is reported and failed to furnish information notice information after information is reported. XXXX XXXX, they sent me letter that they will not remove the negative report since it is they responsibility to report of no mortgage payment was received. Yet, I told them that they are autopayment, and they have not furnished me adequate and convincing information.
Consumer complaint received 2018-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX I ordered three different withdraws from Coinbase to my XXXX checking account. The amounts are {$200.00}, {$67.00}, and {$3.00}. The transactions say complete on their app and that the money should have arrived by XX/XX/XXXX. It is now XX/XX/XXXX and I have not a clue where the money is. Their customer support said my transaction went through but there is still no money in my account so I replied back to them and received a vague answer with no clear direction. I need the money and they seem to be beating around the bush on its whereabouts. I have attached a .pdf of my transactions and conversations with customer support.
Consumer complaint received 2022-10-04
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. (TN)

I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, XXXX/Equifax and XXXX are XXXX in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

This letter is being sent to you in response to a computer generated, unverified account CHOICE RECOVERY INC # XXXX this inaccurate information was furnished by Claimant from several offices. Be advised that these claims are disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is been a nightmare to deal with this level of fraud. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Consumer complaint received 2018-04-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

During the XXXX quarter of XXXX I began attempting obtaining a loan modification from Citimortgage due to the fact that XX/XX/XXXX marked the end point of ten year term of the HELOQ I  entered into on XX/XX/XXXX. After over a year of being juggled between about 6 agents I finally was assigned to a gentleman named XXXX XXXX. He submitted all my documentation to underwriters and received a wonerful loan mod represented verbally by Citimortgage of a 2 % fixed loan with a 40 year term, " however '' when I received the loan docs to sign it changed from 2 % @ 40 year to 2 % @ 30 years which increased the monthly obligation approx. 50 % from $ XXXX to $ XXXX. I called Citimortage and was informed " there is no record or evidence '' of the 2 % / 40 year term modified note and furthermore my application for a loan mod was being rejected after I informed Citibmortage that they were/are in 3rd position on my property which prior to me notifying them they were unaware of. 
I held the inaccurate belief me informing Citimortgage of their true position being 3rd " may '' provide them more motivation to work with me to resolve this matter. 

I filed another complaint with the CFPB after being sumarily rejected. 

In an explanation letter dated XX/XX/XXXX from Citimortage it was stated that " Upon receiving your request, we immediately reviewed your HELOC account. Please note that we found no evidence of an additional lien existing when your HELOC account originated in XX/XX/XXXX ''. 
This explanation written to me by a Citimortage " letter writer '' was shocking to read. 
I was charged for and paid for a title search in the original documents dated XX/XX/XXXX. 
I could only think of two possible questions which I consider insulting, " Did you look? 
" Did you ask me ''? No and NO. 
Citimortgage did not look at the title search results they charged me which I paid for, or they never ordered the title search. 
My health has been declining the entire time I have been forced to deal with Citimortage, being juggled between agents, being told acceptable terms to modify the equity line then receiving final papers which did not reflect what was agreed to prior to receiving the docs. Reading how they found no evidence of another lein on my house? 
This entire matter has taken an extreme toll on me. 
It is extremely upsetting to be on the receiving end of Citimortgage 's blatant attempts at making me pay for THEIR " un-intentional '' errors. 
It appears in black and white in the disclosure doc I was charged for a title search in one of the attached documents. 
It was intelectually insulting when I read " we found no evidence of another lein ''!
Consumer complaint received 2018-07-27
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: EQUIFAX, INC. (CA)

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I contacted XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.