davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

We are moving because Covid caused me to lose my previous job in XXXX of 2020 in XXXX and I started a new job in XXXX in XXXX of 2020. Currently we have between XXXX and XXXX credit rating depending on which credit service bureau is checked. We have been customers of Wells Fargo for over 15 years, do all our banking with them and have had 3 previous loans with them. We started a Jumbo loan on XX/XX/XXXX with Wells Fargo. We locked our rate and started the process of gathering financial information. Loan went to Underwriting around XX/XX/XXXX. For funding we decided to use a combination of checking, savings, and investment accounts. One of the accounts we decided to use was a joint account between my father and myself. I have been on the account, with full rights, for 18 months. In anticipation of funds needed for closing I moved {$17000.00} from my joint account to an investment account with XXXX XXXX where all funds for close were being amassed. Underwriting came back and said that they would not include the {$17000.00} in our funds because it had the appearance of adding the account just for this loan. We protested to our banking representative who escalated to his regional manager on XX/XX/XXXX ( Our closing on our new house is XX/XX/XXXX ). We then had my father write a personal letter saying we had full access to the account with all rights. We then had the branch send to underwriting the exact date when I signed the signature card as joint owner. After this escalation Under writing said they would allow the funds but it needed to come with a gift letter. We are refusing to get the gift letter because the amount being requested will cause undue tax implications as well as we have full access to this account as with any other joint account. Our loan officer then said it was being escalated further on XX/XX/XXXX. We have not heard anything else and therefore to keep from losing our new property, make our closing we initiated a pull from an IRA and have now paid the penalty and taxes to make up the difference that is needed for close. So I want to know why I could not use the funds in my joint account when : I have been on the account for 18 months ; have full access to add, subtract and transfer from and to this account ; and I did not initiate this loan until XXXX.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

I actually have two problems with Synchrony. One is that they closed my XXXX card without any provocation and no balance on it. I opened it last year to be able to put undercoating on our cars and paid it off in full. That just reduced my credit line. 

Then there's my XXXX account. I paid off over {$6000.00} in charge on time. They then out of nowhere decide to decrease my limit from {$6000.00} to {$1200.00}. It has trashed my credit score. When I reached out to them, it was oh well. I am so disgusted I am trying to finish paying off the rest of my cards and never giving them another interest payment again.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

NATIONAL RECOVERY AGEN # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.
Consumer complaint received 2020-06-25
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. (NC)

I have been contacting the credit bureaus ( Equifax, XXXX  & XXXX  ) to  have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I called and requested an escrow account to be established on my investment property with Mr. Cooper the first week in XX/XX/XXXX. The representative placed the escrow account through by requesting an escrow analysis and advised I would need to make the XX/XX/XXXX payment and they would pay going forward. I asked if there was anything else I need to do on that call and he advised no. 
I later received a letter from Mr. Cooper advising taxes haven't been paid and they are force placing insurance. I immediately call them and found out taxes for XX/XX/XXXX and XX/XX/XXXX weren't paid. The employee looked into it and said something XXXX through the cracks and the account wasn't sent up causing an escrow shortage. She told me it would take a few months to set it up. I contacted the employee ( XXXX XXXX ) by email helping me multiple times and never received a email or call back. This just caused a further shortage and payment would have increased beyond making me afford the home therefore I had no choice but to refinance XX/XX/XXXX.
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

I responded to an ad on XXXX about a rental property in XXXX ( XXXX ) The scammers posed as XXXX and XXXX XXXX who were subletting their apartment on XXXX XXXX XXXX XXXX After paying an application fee of {$35.00} via XXXX I was sent a paper application with the address of the property as well as the contact info of he owners. The application looked legitimate to i filled it out and sent it. I was contacted via text and was told of the deposit of {$270.00} XXXX XXXX ) and the prorated rent of {$370.00} ( XXXX ) and a parking/amenities fee of {$99.00} ( XXXX ). I paid the prorated rent of {$370.00} via XXXX to XXXX XXXX, " wife '' The scammers attempted to get me to use XXXX XXXX and XXXX XXXX to receive all payments. 
After difficulty I told them i could use XXXX and they sent invoices which led me to believe they were legitimate. I was told of the lockbox location for the keys after paying the fees, i was also told that a bed would be provided. When asked about when the sublte agreement would be sent, he said the next day. on XXXX i inquired about the lease agreement he said his wife would send it, after a second inquiry he said he would check again. The next day XXXX, i drove to the property in the morning to see if the lockbox was at the front desk like he said. 
The property required a FOB to get in. I emailed the property to verify if Suite XXXX was legitimate as stated on the application. i was contacted by a member of staff at XXXX XXXX XXXX who told me that the suite did not exist and that XXXX and XXXX XXXX were not residents there. They also told me that this has become a growing problem with their property and they have contacted XXXX to take down the listing I then immediately filed disputes with PNC Bank, XXXX and XXXX for the money that was lost. The President of XXXX sent a letter that verifies that the listing on the application is false.
Consumer complaint received 2020-06-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (FL)

I have an 800 - 804 Credit Score and in the process of refinancing my home starting XX/XX/2020. In XX/XX/2020 my license which was set to expire in XX/XX/2020 was extended an additional 60 days per the State. Each State across the board extended licenses expiring XXXX and XXXX because of the Nationwide Shutdown of all government offices. I explained this to the finance company of Flagstar, sent them the Government link showing .gov in the website and still they refused. Their own state had 90 day extensions etc because of the same situation. 

When government office opened back up on XX/XX/2020 the first available appointment was for XXXX XXXX traveling to a different city in the same County. Flagstar bank has sat on my refinance for what will soon be going on 4 months. They gave me each run around possible as to why my refinance was taking XXXX-4 months to close blaming the title company etc but will not disclose the name of the Title Company. I provided all documents early XXXX in a single business day, pay stubs, employer information W2 's in early XXXX. 

I pleaded with Flagstar in XXXX to please complete my refinance by XX/XX/2020 as this is when my license will expire and yet they did nothing. Flagstar holds my loan currently and I thought would be easier to refinance with the same company. I have never heard of a refinance taking 4 months when there is no issue outside of them not wanting to accept my license then agreeing to take It and what seems to me them intentionally waiting for it to expire to then allow that to be the issue. I will have made 4 payments at a higher rate with PMI by now all because no one is held accountable and does not impact them directly yet impacts the consumer on the other end. 

During the course of the refinance I would ask if rates have changed and they refused to run rates until the process was near completion. Now here we are 4 payments and going on 4 months later. I have cc 'd XXXX XXXX, XXXX XXXX XXXX, my loan officer XXXX and Processor XXXX XXXX each time. 

This company is dishonest and biased on there own terms with no standing ground or explanation. I hope no one else has to go through the process I went through where things are not explained, extreme lack of communication and taking 4 months for a very easy refinance, not a complex case at all what so ever.
Consumer complaint received 2018-06-07
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: Navient Solutions, LLC. (TN)

I mailed in a dispute letter to all 3 credit bureaus for Department of Ed/Navient to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead Navient has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. Navient took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of navient verifying the account all they did was add late payments and ruin my score more!
Consumer complaint received 2019-08-19
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. (MI)

XXXX   XX/XX/2019XXXX XXXX XX/XX/2019XXXX XX/XX/2019XXXX  XX/XX/2019XXXX XX/XX/2019XXXX XX/XX/2019 These are showing up on allThree credit companiesEquifaxXXXX XXXX XX/XX/2019XXXX XXXX XXXXt XX/XX/2019XXXX XXXX XX/XX/2019XXXX. JXX/XX/2019XXXX XXXX XXXX  XX/XX/2019XXXX XXXX XXXX  XX/XX/2019XXXX XXXX   XX/XX/2019
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this credit card. I have attached a copy of the police report to this dispute. I never lived at the address where XXXX service was located nor have I ever have XXXX service. XXXX is the original creditor.
Consumer complaint received 2020-06-25
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: I.C. System, Inc. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
A merchant can not charge a debit card or a credit card without your permission they are situations where merchants may put through a charge, but they are rare and usually involve other issues. On XX/XX/XXXX and XXXX, a person from XXXX contacted me via email. Since directly after speaking with him, my credit card was charged using a card that I use for a one-time payment in XX/XX/2019. With that said, I provided zero account information during our conversation. I requested from him to tell me exactly what he needed from me in writing. Since none of my account information was needed from XXXX to charge my personal credit card. 
I demand the following collection account be verified or removed immediately Name of Account Account Number Provide Physical Verification I C SYSTEM 11 XXXX Unverified Account
Consumer complaint received 2020-10-10
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: Navient Solutions, LLC. (MA)

Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for NAVIENT. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still  reporting? Also, wasn't Navient  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2018-06-07
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. (TN)

I mailed in a dispute letter to all 3 credit bureaus for XXXX XXXX   XXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of XXXX verifying the account all they did was add late payments and ruin my score more!
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: REPORTS, INC. (TN)

Contacted Collections Company on XX/XX/20 after receiving letter dated XX/XX/20 that showed balance had decreased due to payments on both medical accounts. Was updated that account was being paid so no issues Next day on XX/XX/20 this company reported both below accounts to XXXX as being delinquent. 

XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$50.00} This damaged my credit score and I want these removed as company agreed to not report as long as payments continued.
Consumer complaint received 2020-06-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC (CA)

This account is paid in full. It is not charged off, and needs to reflect this. They contacted my employer and served papers at my employment. I called prior and told them i would pay off the loan and did just that. 

They were told not to contact my employer but did anyway. They sent mail after mail and had someone actually show up and act like I was a bad person saying I was late on my bills. 

Not acceptable.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

Citi bank has decreased my credit limit from XXXX to the balance on the card. The company action is unacceptable and has caused me hardship on my overall financial situation. My credit score dropped from XXXX to XXXX because of citi bank action. I never been late or ever missed single payment. I use my card responsibly and keep my balance down nothing more than 50 % of my credit limit. 
Called citi bank and customer service said cant help. 
My credit score is bad now and I hold the bank responsible for that. The bank action was during the time of the pandemic and they have the right to take this action but there was no reason to hurt my credit that bad to consumer that never had any problem whatsoever with citi bank.
Consumer complaint received 2019-02-18
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: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I contacted Wells Fargo and spoke to customer care providing my name and purpose for the call and proceeded to request the finance department about a unauthorized inquiry on my report dated for XX/XX/XXXX. 

Well Fargo was unable to present me with a application of consent or any information about the inquiry.
Consumer complaint received 2020-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (CA)

This complaint is the result of the negligence committed by Ford Motor Credit.  I have the following account with them : account # XXXX, opened date : XX/XX/XXXX, original balance : {$16000.00}. 

I have tried multiple times to fix this issue with them, but they have refused to provide me a fair solution. 

Back on XX/XX/XXXX there was an issue with Fords online system, they mistakenly had 2 online accounts for me, and this made a problem for them to process online payments.his ended up in a late payment reported on XX/XX/XXXX on my report. They are being unfair and negligent. Since this was a bank error, they shoulnt report the payment as " late ''. 

All I am asking for is a fair solution to this issue, that has become worst with the time. 
I have always been on time with my payments, and by XX/XX/XXXX, it was not the exception. 

My demand is to get this late payment removed from my report. 

Tnak you.
Consumer complaint received 2018-02-02
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: ERC (IL)

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX ERC ( Enhanced Recovery Company ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

On XX/XX/XXXX my stimulus check of {$600.00} was deposited to my account. Chime kept all of it for for a negative balance I have. A tax refund check of {$3700.00} came back as returned for some reason so thats why my account is negative. Also, I have {$1600.00} in Savings that Im not able to access. From my understanding, the IRS prevents banks and debt collectors from taking the 2nd stimulus check. I sent them numerous emails asking if they will compromise with me and let me make payments or even just take half the stimulus and half my savings. The only responses I get totally avoiud my question. I need intervention with this please. I desperately need my money for what it was intended for.