davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

We had a mortgage loan reported on credit report with XXXX companies ( now reporting on credit report as owned by XXXX and asc ..American servicing ) .The loan was a fraud, documents switched, fraudulent notaries, loans we had actually never signed or seen ..we had know something was very wrong with our loan as we were paying over {$1200.00} more then what we had been told but could never get any answers our realtors disappeared. We knew nothing about this elaborate case till the XXXX County District Attorney contacted us and made us part of there investigation into our realtor and took him to court and prosecuted him ... I think it was XXXX felony charges against him.. I have since contacted XXXX to remove these items as identity theft and fraud were proven in a court of law but they continue to give me the run around and ask for police reports..I have non but I sent them all the XXXX DA information and court records which they ignore. ASC I also disputed but they also just reported everything back as accurate! According to all credit reporting laws this should not be on my credit report..please help.. thankyou.
Consumer complaint received 2016-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: EOS Holdings, Inc. (AZ)

My loan was in default and my wages have been garnished for totaling per month XXXX for the last 32 months. I have repeatedly contact my my student loan servicer, Collecto, EOS CCA who only want to offer me a total pay off. They are not even able to provide me with a total balance.
Consumer complaint received 2023-04-04
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. (TX)

I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXX 's system. XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX in my contract. XXXX is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I opened an account with Citibank checking. I deposited a refund check from the department of education issued by the department of the treasury. They accepted my deposit cashed my check to themselves closed my account banned me from their website so I couldn't access any help and in just a few words they called me a thief a liar a fraud they never called to verify the check. The check is good I have contacted the department of Treasury department of education even the department of Justice I did every single thing they asked me to do I even went to a office here that I had to pushing a code to get inside, the code that gave me didn't work they refuse to let me in or speak to me and basically on the very last phone call I made they quote said " we will never ever ever pay you your money '' I spent countless hours the hold times are 4 to 5 hours I would have to actually leave work early an hour and a half early so that can get on the phone and try and contact these people that they they said that they they had proven it was a fraud you in check which is absolutely not I verified it through the department of education 10 times they called me a criminal they refuse to buy their own policy they're supposed to give me my money within 60 days mailed back to my my home address they refuse they have been very nasty to me and it's my money that was issued from the department of education and I want it I will not allow them to XXXX me they have acted in a criminal manner please please help me this is literally caused so much damage to me and my XXXX I'm over XXXX XXXX XXXX and they are taking advantage of me. Please forgive any typos it's such an emotional issue I'm in tears.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I end up applying for a loan last week an didnt know that they never accurate i filled out the information online when they was Required it was at work last week and gotten a phone call from my bank stating to come in an change my routing an account number I didnt ask questions why they said they think something was going so I left work last week an did that well the week later I gotten a phone call yesterday from my car insurance company saying that their was a payment rejected an I was asking how am they pulled my profile up I told them my payments are auto take out then thats when I went into my bank after I left work early to find out what was going on I never gave anybody the consent to do anything or near I Authorize it I never filled a claim back on none of my payments or anything they just received my payments back an released it to the wrong people an didnt call me or nothing they didnt even tell me this last week when I was in the back so now these payment people want they money the bank should give them back that money they gave out to the wrong people I shouldnt have to repay back the money that I already dished out I kept asking the lady at the bank for the print out she gave me everything but the paper that had the Evidence on kept telling me that the printer wouldnt print that paper out I was asking her over an over I need that paper she act like she couldnt print it I said give me that paper that I ask for please she finally gave it to me after I had told her that XXXX getting the news people an a lawyer involved thats when she looked at me an went to reprint it to give to me
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I began a mortgage application with Wells Fargo ( with XXXX XXXX mortgage banker ) back in XXXX ( XX/XX/22 ) and was upfront with them that my property is under litigation and that it may be difficult for loan approval. The team requested many documents from me over the span of 2 months, from my own personal financial documents to XXXX documents and legal documents relating to the litigation. After much back and forth and communication with the mortgage team, I was given instruction to obtain an appraisal of my property. I specifically stated I do not want to obtain an appraisal unless the loan would be approved and that the litigation would not be a problem. The team confirmed that I had conditional approval from the project approval team and that we were in the final steps of escrow closing. I was charged {$690.00} for the appraisal and yet after the appraisal was told that the project was too high risk and that it was rejected by the project approval team. Essentially I was in this drawn out process with Wells Fargo for 2 months while interest rates were doubling. Only to be led to believe my application would be approved but was actually rejected last minute. I want at least a refund of the appraisal fee but at this rate I will not be able to find a mortgage with the rate of 3.125 % that I was quoted from Wells Fargo and that is a huge loss to me as well. They wasted my time and money.
Consumer complaint received 2016-04-12
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IL)

I called Quicken Loans for the limited purpose of obtaining information regarding alternative loan programs and their respective rates. Although the purpose of my call was clearly stated, the Quicken Loans representative asked a number of invasive questions, some of which I answered. Finally, when it became apparent that the Quicken Loans representative would not furnish the desired information unless I provided more confidential information, I terminated the call. The attached e-mail exchange then ensued between Quicken Loans and me. I respectfully request CFPB to issue an opinion as to the merits of my claim that Regulation B does not apply to the information furnished by me and that Quicken Loans is not prohibited by Regulation B to expunge such information. Thank you, XXXX XXXX
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

My husband and I put an offer on a new construction home by XXXX. They have an affiliate lender Advisa Mortgage. I did a pre-qualification on their website while I was rate shopping to find out what their interest rate was. When we decided that they had the favorable loan term I did a joint loan application that included my husband 's information. 
Advisa Mortgage had sent loan document for me to sign based on the pre-qualification I had done. I initially refused to sign the documents because the application information on there was preliminary and not a complete picture of my debt situation. The Loan officer however sent me an email stating that by signing the documents I was not agreeing to what was on there I was just acknowledging that I got the documents and he needed it signed to unlock the loan record. So I signed. After he looked at our joint application he decided that our debt to income was too high for us to be able afford the house and to be approved. We told him that if that is the case then we do n't want the loan. We proceeded to tell the seller that our debt to income was too high and we ca n't get approved for the loan. Advisa proceeded to tell the seller that because most of the debts were in my husband 's name they can approve the loan if they take my husband off the loan and do the loan just in my name.they can approve it that way. The seller then stated that we would forfeit our earnest money if we do not get the loan that is just in my name as was being offered by Advisa. We feel like this is predatory lending on Advisa 's part because they clearly know that there is these debts that are in my husband 's name that I am still responsible for but they are forcing us to remove my husband from the loan as a way to hide my debts and approve a loan so they can get commission from the loan as well as collude with the seller.
Consumer complaint received 2022-11-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

On XX/XX/XXXX, I leased a XXXX from Hyundai. Back in XX/XX/XXXX, I was laid off from my job due to the pandemic. I called Hyundai Motor Finance ( HMF ) in the month of XX/XX/XXXX to have my payment deferred on my lease because I was uncertain of my financial situation. The person on the phone said it was ok to do since people everywhere were getting laid off. They explained that my payment will be pushed to the end of the loan. I then called back in XX/XX/XXXX and they explained the same thing regarding my XX/XX/XXXX payment being deferred. I noticed on my XX/XX/XXXX payment statement, my lease maturity date was not XX/XX/XXXX ( the original date ), but XX/XX/XXXX. Since they told me that the payments were thrown at the end of the loan, it made sense that two deferred payments extended my lease date to pay for those payments ONLY. However, on XX/XX/XXXX, when I received my last bill, it was for {$950.00}. I called HMF the same day at XXXX XXXX  CT and the agent said it was because my loan was deferred for two months, so that bill includes the two deferred payments and my last monthly payment. I told them, yes it was deferred for two months but my original lease maturity date was XXXX XXXX which is why XXXX XXXX is the new one. She was not really sure after 45 minutes of being on the call. I then called 8 more times after that and talked to other agents and supervisors and no one knew what to do or what had happened. The only common response from everyone was that I had two payments deferred, but I explained that I have already paid 39 payments for the XXXX lease for {$12000.00} which is the same amount in my contract for the lease agreement which is {$12000.00}. 

However, I was not told until yesterday, XX/XX/XXXX at XXXX CT, my lease went from 39 months to 41 months because I kept the car longer and it was explained to me, which is not true. I even asked if they had pulled up the transcript that is recorded from XX/XX/XXXX and XX/XX/XXXX conversations with the agent and they did not and will not. They failed to do their due diligence. HMF is failing to admit to its mistakes, yet they said multiple times that their system ADDED payments because it didn't know how to defer lease payments. So they are penalizing me to pay for something that their system messed up. I should not be penalized for their broken payment system. I would've never agreed to extend my lease for 2 more months, 3 years ago. That does not make any logical sense, because I knew I was going to be working again. HMF is violating my lease agreement and they don't want to be held responsible.
Consumer complaint received 2022-05-13
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)

In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right 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 2022-08-04
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. (OK)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2020-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Began calling a few days after missed credit card payment. Calls as much as 30 times per day, every 15 minutes. No day passed without at least 10 calls. Using phishing phone numbers from my area code. Using as many as 18 different phone numbers. When I called the phone numbers back, they ALL answered " Capital One. '' Never leaves a voice message, just incessant malicious harassment at a time of national coronavirus crisis when they know millions are struggling financially which makes this behavior all the more heinous. When I complained about the calls, they suspended my credit cards. Thanks to cellphones, everything is recorded and documented.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I made a deposit at the Chase ATM and there was a problem, they gave me a receipt that said to call a number to check that my deposit was made correctly, I called that number and they told me that they were going to give me a credit, while they checked if the money was in the ATM, and I said Okay. Later they told me that the technician checked and that the money was not in the ATM, and I told them that it was wrong because I deposited the money, that they should check the cameras of the bank and the ATM and they said that they could not do that and I told them that Since they couldn't review that and then what could I do and they said that nothing else can be done, that was all. And then I told them where my money is and the lady who helped me said that she didn't know anything, and that she didn't have any more information than that it was all she had in her notes. 

Note : this problem had already happened before and the money always appeared. The drive true ATMs are always out of order in the 2 branches in the area where I live and the only one that works sometimes is the one inside the bank. And I think that this time the money " disappeared '' because I put some reviews on XXXX maps telling the truth, but they were negative comments towards the institution and I think they didn't like it very much.
Consumer complaint received 2020-04-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CT)

Approximately XXXX of XXXX, I had my identity stolen. I contacted XXXX XXXX XXXX  of this matter. There were over XXXX dollars worth of transaction made on this card ending # XXXX. I recieved a notice date XXXX that this account was closed and was not responsible for any of these. ( Charges prior to this situation I did pay. ) However, I recieved a new notice with a different card number. On XX/XX/2022 case # XXXX, I spoke with the security department and they closed out my card since I did not authorize a new card and I did receive a notice from them stating I was not responsible for this charges. A few months later I received a billing statement with these same charges but under a new account number which I never re-open an account. I called again explaining the situation with an account supervisor which she assured me it was closed. Again, it was switch to a different account without my permission. The supervisor in the security fraud department that my account was flagged as non ownership instead fraudulent charges. A year or more as gone by and now this unauthorize charges with an unauthorized new account is now in collections and the security department at XXXX XXXX is stating now I own this account.
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I request a credit increase from my XXXX XXXX XXXX & I consider there will be a soft Copy of my credit report, but they did a hard copy without mentioning on line on this regards, therefore I lost some point on my credit Fico Score by Trans union, which is not Fair, they should notice me that before my request on that regards, my other Credit card they do increase on line with no effect on my credit Score ( Soft Credit inquiry ) Please consider my request to remove this hard copy from my Credit report on XXXX/XXXX/15 Thank you for concern & Happy holidays XXXX XXXX
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XXXX out of XXXX of my addresses are correct, # XXXX is incorrect, I am from XXXX and that # 4 address is from XXXX, found at credit report from EquiFax, employment History is correct. 
I think, someone else used my identification, I would greatly appreciate in advance your great support. 
XXXX.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

My wife and I filed a chapter XXXX bankruptcy in 2019 in the XXXX District of California XXXX. 

XXXX XXXX XXXX was advised of this filing in writing and still refused to remove this information from our reports. 

By them doing so, has barred us from opening a checking account causing of to be unable to obtain our money and pay our bills.
Consumer complaint received 2022-11-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (CO)

I took out a payday loan from Moneylion. I paid that back but noticed they kept taking money out of my account every month for a " credit builder loan '' that I did not give them permission to do. I tried contacting them but they only wanted to communicate via email which they never respond to. I then filed a dispute with all three credit bureaus but they stated it was validated. I had to close my bank account because they would not stop taking money out. They are now trying to send me to collections for missing payments on a loan I didn't apply for nor got any money from said loan.