davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC (OH)

I received an unsolicited loan offer from the predatory lending private equity firm Mariner Finance in the form of a check I could actually cash. I did not fall for their shameful, deceptive loan offer and have not opened the account. Presenting the loan agreement in the form of a cashable check is disgraceful - preying on the desperation of those needing to pay off other debts with a short-term easy solution ( just cash this check and the money is yours! ) while also driving that person deeper into debt. The terms are not favorable. Information such as payment dates and how to pay are not provided until after you open account solely by cashing the check. I'm disgusted by how craven this marketing approach is for this serious financial instrument - much different from the cash advance checks provided by credit card companies primarily because you already have an account with them at the time. I was likely targeted for this loan offer because of the bankruptcy still on my credit report from several years ago.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached 2 accounts that are reporting inaccurately to all three of my credit bureaus, per the FCRA they all have to report the same accurate information. I want these accounts that are reporting inaccurately to be deleted from all three credit bureaus. I have attached pictures highlighting the inaccuracies.
Consumer complaint received 2019-08-19
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: CITIBANK, N.A. (IL)

XXXX Credit Report showed on my records that I have 30 days past due with Macy’s store in XX/XX/2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XX/XX/XXXX  . But it says on my records  30 day past due in XX/XX/XXXX. And it brang down my credit score
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Home loan/Mr Cooper ( Nationstar ) I purchased my parents home in XXXX of XXXX after they passed. My loan was taken over by Mr Cooper in XXXX of XXXX. My paperwork was being processed by the XXXX XXXX County Assessor 's office for my change of title. I qualified for parent-child transfer ( Prop 58 ) in XXXX of XXXX but my file was not complete due to the pandemic. The assessor 's office sent me a letter that I qualified for prop 58 but no one was working in the office. I was told to continue paying any tax bills because I would be reimbursed by the Assessors office eventually. This put my property into reassessment. Mr Cooper changed my loan payment from {$1300.00} to {$2700.00}. I paid this amount for 6 months. According to statements {$1500.00} was to be applied to escrow, which they did not do. The office put my escrow account into the negative {$11000.00}. I tried contacting Mr Cooper several times but no one would help. I would start working with one rep then no reply continuously.

XXXX  Assessors office finally did the reassessment and started sending my payments back to me. Mr Cooper finally ran an analysis but my loan payments were not being lowered so I contacted mr cooper and they said I needed to pay {$5700.00} to cover the negative balance but once they ran the analysis I would get it back. I've been trying to work with them but no response. I submitted a complaint to XXXX XXXX on XX/XX/XXXX but they said they can not audit Mr Coopers escrow because they are their own entity. MR Cooper did send me a refund for a tax payment they submitted in error. But now they are going to raise my loan payment in XX/XX/XXXX from {$130000.00} to {$1400.00}. They change my loan payments whenever. Statements sent to me show interest charged for {$4800.00} and a charge of XXXX XXXX, which last year the charge was $ XXXX.These amounts are about the total they owe me. I have been dealing with these problems for over a year. I've contacted two lawyers and they can not help.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

on ( XX/XX/2021 around XXXX XXXX XXXX time ) I XXXX a search for XXXX customer service number to start a claim for some faulty product I purchased. When I got the result a number popped up.I dailies it. Ot knowing it was a hacker or scammer.I told this person what happened with XXXX.An unawareingly accepted his new policy of using my bank info to transfer a refund.He took me though alot of links and assured me that this is how they pay you back on XXXX.Since I had never been hacked and XXXX is such a trusted company.I followed all his instructions and proceeded to transfer {$500.00} to this crook because the way he explained it.I needed to transfer to this account to get my full refund.I never fall prey to this stuff but since he was skilled in rebuttles and it was XXXX I had used over 10 years.I did it.I kept asking him why do I need to transfer that amount.He assured me it wasn't really $ XXXX.Its to make sure I have money to send my refund.Then he told me to download this app on my phone.I since then learned it's a stalker spy app that let 's him see my entire phone.Now he's telling me my XXXX info so once again I was assured it was XXXX.He was smoothe. Eventually after sending the {$500.00} I got weary and demanded to speak with a supervisor and he said '' XXXX XXXX  '' twice..that 's when I realized I had to hurry off the phone an call Wells Fargo.I filed a aim that second and froze my accounts. The reason I am contacting you is as you know.Wells Fargo.The crooks that they are.Have a policy.They deny all claims of authorized transactions. No matter how elaborate or new the scam was.The claims rep told me that that identical scam had happened twice already that day to other customers.I waited 10 days and knowing they would deny me.I searched for another course of action.And found you all.Mamy people have gotten their hard earned money back because of the CFPB.I find it utterly offensive that Wells Fargo is the only bank that has this policy. Especially for special circumstances. In my case.a hacker hacked into XXXX  server or XXXX.i never met this person..they may be in XXXX..and I didn't recieve any merchandise. So it's clear as day this was a scam.I don't send random people.money ever.Now if this happened to me twice.I would understand but I think they should honor a valued customer. Please help.
Consumer complaint received 2019-02-18
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. (GA)

Having an issue with this XXXX XXXX XXXX XXXX Act. # XXXX on my credit profile. I have sent over multiple documents stating that the account doesnt belong to me & proof showing that the account is fraudulent. However I havent gotten any paperwork with my signature on it. After requesting numerous times. Please help me! This account should be blocked & removed from my credit report for it is inaccurate & its preventing me from progressing in my life.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

XXXX XXXX was using my social security number opened a credit card at Home Depot ( last fouXXXX digits of account : XXXX ) on XX/XX/18. The information was given to me at Home Depot in XXXX, Fl by a Home Depot Manager. Home Depot : XXXX XXXX XXXX XXXX, XXXX, FL XXXX-Phone Number : XXXX
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (AL)

Hi, There are XXXX hard inquiries on my XXXX credit report from Chase Bank. I have not and would not apply for a credit card from this company or any other company, expressly knowing that my credit score is very poor and therefore I would not get approved for a credit card. I feel that this is due to Identity Theft of some sort. There is also an address on XXXX XXXX that I have never lived on. 

Thank you
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: WELLS FARGO & COMPANY (MD)

Someone without my knowledge was able to make two withdrawals, ( 1 ) {$980.00} dollars, on XX/XX/2021, ( 2 ) {$1000.00} dollars, on XX/XX/2021, through, Wells Fargo Bank, located at XXXX XXXX XXXX XXXX, XXXX, Maryland. I, am considering this the initial step filing a Criminal Complaint. 
Ive contacted XX/XX/XXXXXXXX XXXX and Wells Fargo concerning this troubling issue. Its not easy manipulating an ATM UNIT.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (KY)

I received a XXXX XXXX XXXX in XXXX, 2018. Apparently, there are XXXX versions of the card. XXXX version is {$69.00} membership per year and a welcome bonus of XXXX XXXX miles after a {$500.00} spend. The other version is a no charge fee per year and XXXX XXXX miles after the first spend. I applied for the {$69.00} membership fee version. Apparently at the end of the confusing application process, the card that I thought I has applied for turned out to be the wrong card - which was the no charge fee with a XXXX XXXX mile bonus. After spending {$500.00}, I called XXXX XXXX to check on the missing miles. They told me that I was only eligible for the XXXX miles since I have the no charge version. I told them about the confusing application process and asked to speak with a supervisor. I spoke with XXXX who agreed that the application process was confusing and it was easy to be misled. XXXX options were offered. XXXX option was to close the card that I had and wait 3 months to apply for the {$69.00} version with the higher welcome bonus or apply for the {$69.00} version and expect a rejection. After XXXX spoke with XXXX in the credit department, she recommended that I apply for the {$69.00} version of the card but expect a rejection since only XXXX version of the card could be offered. XXXX indicated XXXX agreed to waive the XXXX card requirement but I would need to call the XXXX department after the rejection. I called the credit department at XXXX and spoke with several representatives who even after reading the notes reserved XXXX 's decision to allow the second {$69.00} per year version of the card. In essence, I was told to apply for a second credit card knowing that I would be denied but an exception would be offered and I would receive the right card. Both XXXX ( ID number upon request ) and XXXX ( ID number upon request ) read all the notes but indicated that XXXX and XXXX were wrong and that I would not be able to receive the card. XXXX stated that she would need to train the individuals who gave me the wrong information. In addition, XXXX stated that I was also given wrong information about the 3 month waiting period. XXXX stated that a new card can only be applied for after waiting 24 months, I believe that I should have receive the {$69.00} version of the card which will be eligible for the XXXX XXXX points because : 1. The confusing application process - which was admitted by XXXX 's own representative 2. I was told to apply for the {$69.00} version of the XXXX XXXX and after calling the credit department I would be approved. 3. All the notes on the conversations were detailed but misinformation was relayed to me. 4. While I appreciate that mistakes were made, my case should not be a training exercise for XXXX XXXX XXXX.
Consumer complaint received 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-10-13
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. (TX)

On XX/XX/2020, XXXX XXXX attempted and successfully was able to pull a hard inquiry on my Equifax credit bureau without my consent. A security freeze and fraud statement exists. I contacted XXXX XXXX and was advised that the hard inquiry would be removed within 30 days. Here is a copy of the email on XX/XX/2020 : Were happy to help resolve this issue. 

Dear XXXX XXXX, Thanks for reaching out to us. 
A request has been submitted to the credit reporting agencies depicting a hard inquiry on your credit report for the XXXX XX/XX/2020 credit check to ensure that information no longer appears in the hard inquiry section of your credit report. 
Please be advised it may take such agencies up to thirty ( 30 ) days to update their records.

I have waited for months and the hard inquiry remains. I contacted Equifax and they will not remove the inquiry stating that I must contact XXXX XXXX again. Going through the fraud department of XXXX is very time consuming and they did not correct the error that they did and remove the fraudulent inquiry.
Consumer complaint received 2021-08-05
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. (TX)

I am writing to you because I have items that are not mine. Please check the following items, make an investigation of them, and delete them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-17
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Financial interfered with a dispute I had with an insurance company over the damage on my car. I was in the process of getting legal assistance when wells fargo illegally interfered and signed off my car to the insurance company. They are responsible for my negative balance. Since then I have been harassed by Wells Fargo Financial, and my credit has been ruined due to their actions. I have been abused by this company.
Consumer complaint received 2018-03-17
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: CITIBANK, N.A. (TX)

I checked my XXXX XXXX credit score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX XXXX XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX XXXX I live with my family at XXXX XXXX XXXX CA XXXX, for several years. 
In 2014 I had a hardship due to my wifes tremendous XXXX medical condition she suffered I reached out to Wells Fargo for help and they advised me to stop making my mortgage payment and they assured me I would be approved it would the only way they could help me accomplish a modification. I took their advice and it has become a nightmare they have denied me from day one. 

I have been continued faxing all requested documentation to Wells Fargo litigation department but they have continually denied me, I continue to plead with them for a modification to no avail. I want the modification they assured me I would qualify if I stop making my mortgage payment
Consumer complaint received 2020-10-26
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. (GA)

I AM LOOKING FOR HELP GETTING THESE FRAUDULENT ACCOUNTS REMODVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY, BUT I AM A VICTI OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITIY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME, I HAVE BEEN TRYING TO FIND THE RIGHT REMEDY TO GET THESE ACCOUNTS REMOVED.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AAS Debt Recovery, Inc. (OH)

I have some issues with my credit report I have a unverified accounts Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. 
AAS DEBT RECOVERY INC .
Consumer complaint received 2019-05-21
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

I attempted to refinance my existing reverse mortgage with AAG ( American Advisors Group ). Things went smoothly from XXXX XXXX, 2019. I was working with XXXX XXXX. His AAG office is located in XXXX, CA, and I live in XXXX, CA. From the time I approached AAG on XXXX till the XXXX, Mr. XXXX was responsive to my calls and emails. 

Since XX/XX/XXXX I can not get Mr. XXXX, nor his supervisor, to respond to my calls or emails requesting an update on the status of my loan application. I have copies of the emails I sent and the ones I received from Mr. XXXX until he stopped responding. 

On XX/XX/XXXX I had a counseling session with a representative from XXXX XXXX XXXX. I have the counseling certificate as does AAG. The session cost me {$190.00}. 

On XX/XX/XXXX a notary selected by AAG came to my home and I signed the loan application documents. I have hard copies of these. 

I received a letter about one week after I met with the notary, informing me that my loan application would be nullified in fifteen business days if AAG didn't receive the documents from the notary they sent. I have no way of knowing if AAG received those documents in time since Mr. XXXX and his supervisor have not updated me. 

I would like clarification. Being 'ghosted ' by AAG doesn't seem like a good business practice. 

XXXX XXXX
Consumer complaint received 2021-11-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (TX)

I have been constantly been receiving vulgar calls from JPMCB at work and at home. These calls are causing me stress at my place of employment because my boss is coming down on me because of all the constant calling. I can not have a productive work day without being harassed by this company. I've received calls close to XXXX holidays and all the call 's are really starting to take a toll on my mental health. It's down right overbearing. 

I've attached a Cease and Desist letter to my complaint.
Consumer complaint received 2019-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

On XX/XX/2019, my wife XXXX and I closed on our house at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. We worked with our lender to XXXX XXXX XXXX to ensure they understood that my wife is XXXX from the XXXX XXXX after 20 years of service and is considered XXXX XXXX XXXX by the Department of Veterans Affairs. In the state of TX which we are residents of XXXX XXXX  XXXX veterans are exempt from property taxes. We supplied all the necessary information to XXXX XXXX and they did not require a monthly payment into escrow as exhibited by our first payment coupon for loan number XXXX,. In addition, we received at closing our monthly payment letter from XXXX XXXX stipulating our monthly payment would be {$1900.00} consistent with our payment coupon. We have subsequently applied to the XXXX County Tax Assessors office for our tax exemption on the property listed as XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Our first payment was sent to XXXX XXXX and in the process, we were notified via mail that our loan had been sold to US Bank. Upon notification, we called the US Bank as the monthly mortgage went up by {$1000.00} per month from the documentation cited above. US Bank stated they would look into this and contact XXXX County Texas Tax Assessors Office. We made our XX/XX/2019 payment to US Bank in the amount cited in the documents cited above. On XX/XX/2019 we received a call from a collections agency stating our home was being foreclosed upon without any notice from US Bank. In addition, we have received no notification from US Bank into the resolution of our escrow issue. US Bank has not applied minimal if any monies to our principal account and is showing us in delinquent in our payments. Furthermore US Bank has not made any attempt to contact us regarding our mortgage as we are under the impression from closing that our payments are {$1900.00}.
Consumer complaint received 2017-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (CA)

My lXXXX school loan was serviced by ACS for four years and the website now directs me to login to Conduent, the new servicer. On XX/XX/XXXX, I received an email from ACS/ Conduent, which I attached below, indicating there would be no changes in how I login or make payments. However, I have been unable to login for weeks. The " new '' Conduent website recognizes my username and password but has been giving me an error message that the " service [ I ] just requested is unavailable '' so I am unable to login and make a payment on time. While Conduent seems to recognize my account ( because it recognizes my username and password AND when I tried to make a new account to see if that was the problem, it said my account already existed ), it also does not recognize my social security number and claims there is no account associated with that number. 
Conduent purchased my loan and is not allowing me to make a payment at all, let alone on time. I can not email them a question because it requires an account number, which they do not recognize, and I have been unable to reach an actual person on the phone ever since I first tried on XX/XX/XXXX and have called everyday since ( now XX/XX/XXXX ). 
I have seen numerous recent complaints about this online with people having the exact same problem.