davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MN)

I took out a mortgage with XXXX Mortgage in XX/XX/XXXX. The monthly payment is {$1300.00}. I have been paying $ XXXX monthly since the start of the loan with no issues. XXXX  sold the loan to Flagstar Bank in XX/XX/XXXX. I continued to make $ XXXX  monthly payments. The first payment on XX/XX/XXXX the split to make a {$1300.00} payment for XXXX and a {$1300.00} for XXXX. The residual was applied {$230.00} was applied to principal in XXXX. I made a {$3000.00} payment on the XX/XX/XXXX for XXXX and all of it was applied to the loan principle. I called XXXXlagstar when I noticed this and asked that they apply all of the {$3000.00} to the first of the month payment. I was told the interest worked out the same as if the entire {$3000.00} was applied the the current month payment. In fact, by breaking up the payment as they did, I paid an additional {$4.00} in interest. This pattern continued with the {$3000.00} payment made on XX/XX/XXXX with the payment split to pay XXXX and XXXX. Another call and request to apply the entire {$3000.00} to the current month payment and to reimburse me the interest over charge. The issue has not been resolved with 2 more calls. I have been given a list of reasons why they can't seem to fix this problem. On or about XX/XX/XXXX, on a call with a loan representative, she recommended I split the payment in XXXX and make a payment at the XXXX of the month and an equal payment in the middle of the month. I did that and sent a letter to the Flagstar corporate headquarters. Since then, they have tried to partially correct the problem an in doing so, They took the XXXX payment to resolve the XXXX issue and sent me a leeter stating I was in arrears on my XXXX payment and charged me a {$69.00} late fee on XX/XX/XXXX. I was told this was reversed on XX/XX/XXXX, but I see no evidence of that in my current account transaction summary. They have my total payments so far correct, the interest is about {$8.00} high and the mortgage principle relfect the additional {$69.00}. I have attached a copy of the letter I sent to Flagstar Corporate headquarters. It includes a spread sheet with what I expected the bank to do with my payments and how they actually applied my payments. My most recent call XXXX XX/XX/XXXX ) ended with a statement that they have trouble with bill pay from other banks and a promise to " try '' to fix the problem even though they generally can only go back 2 months XXXX not acceptable ).
Consumer complaint received 2021-06-02
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. (NY)

I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. Citibank anywhere visa, my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed Citibank anywhere visa about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

dear sir, this letter is a response to you letter dated XXXX. 
XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX our request for proof of ownership of the alleged debt is been denied by wells fargo the servicer ..that raises serious issues of legality of the foreclosure on my property. 
on the motion of foreclosure you are the trustee of the alleged trust but you are claiming you have no responsibility or any authority over the alleged debt or loan. 
my question here is what are your duties as trustee in the alleged motion of foreclosure. 
you represent a remic trust that suppose own my mortgage or debt, you as trustee suppose have all records with related activities. 
i will request the involvement of the CFPB IN THIS MATTER, am asking AND REQUESTING a bank account were will show the alleged account when was purchased and iID. OF PURCHASER, YOU CAN NOT CLAIMING TO BE A TRUSTEES IF YOU DONT DO YOUR JOB AS TRUSTEE. 
also am requesting a record all related payments going to certicate holders and proof of existance of my debt in the alleged trust. 
the note does not show any signs the debt was securitized ... 
and i assumed was not.. no endorsement on the note from any entities involved in the securization process. 
XX/XX/XXXX also your involved in mortgage assignment that don't assign anything because no movement of fund is showing anywere. 
if you are a trustee for the alleged trust ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX-BACKED PASS-THROUGH CERTIFICATES, SERIES XXXXXX/XX/XXXX REQUESTING FROM YOU RECORDS OF OWNERSHIP OF THE DEBT BY A WAY OF PAYING FOR NOT ASKING NFOR A REPORT AM ASKING FOR THE PROOF OF OWNERISH OF THE DEBT BY THE ENTITY YOU REPRESENT. 
DATE THE DEBT WAS PURCHASED CHECK OR WIRE TRANSFER ID NUMBER with loan number LOAN ACCOUNT WITH RELATED ACTIVITIES ON THE XXXX YOU CAN NOT REPRESENT A TRUST THAT DOES NOT EXSIT IF XXXX CAN NOT PROVE THE EXSISTENCE OF THE TRUST WITH RELATED ACCOUNT YOU CAN NOT LEASE YOU NAME TO FICTIONAL ENTITIES QAND NOT KNOWING ANYTHING ABOUT THE TRUST AND ABOUT THE ALLEGED LOAN. 
I WILL ESCALATED TO THE NEXT LEVEL WITH THE CFPB AND THE USA ATTORNEY GENERAL IF YOU CAN NOT FULLFIL MY REQUEST OR COMUNICATE WITH THE THE ALLEGED SERVICER WELLS FARGO IF THEY HAVE THE RECORDS OF DISBURSEMENTS TO CERTICATE HOLDERS OR THE RECORS OF PROOF OF OWNERSHIP OF THE DEBT./ THIS IS A SERIOUS MATTER, DONT PLAY WITH PEOPLE LIFE. 
GIVE ME THE PROOF OF OWNERSHIP OF THE DEBT.///
Consumer complaint received 2021-03-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

I have tried for days to reach this company for service on my existing VA loan. I have waited on the phone for hours, been told a return call would be made, it never was. Been promised someone would call me, they never did. I have written messages on their message board and all you get it more lies and empty promises. I have written letters, sent fax, all to no avail. 

All I want is to have my loan serviced and my questions answered. This is the worst service I have ever had with a company.
Consumer complaint received 2023-08-18
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. (CA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Delete this account.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Consumer complaint received 2023-02-21
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 FCRA, this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15usc 1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end and consumer plan as late for any purpose. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fairway Independent Mortgage Corporation (DE)

On XXXX  XXXX at approximately XXXX, XXXX from independent mortgage called me to receive information on the existing complaint against Fairway Mortgage. She continuously lead the conversation by stating " im trying to get more information to respond to your complaint ''. After explaining my complaint thoroughly and repeatedly, she continued to asked for clarification. I then asked her if there is any way to resolve this because it was apparent XXXX did not call to resolve any issues, her only goal was to make sure she responded to the complaint. I asked XXXX several times if there is anything Fairway could do to assist? " Is there anyone else I could speak with '' I asked, I also asked her if there is any way we could refinance ... she avoided the question, I asked again after she avoided the topic continuously. She never provided any details, direction, or anyone else I could speak with to have this issue resolved.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (KY)

Three fraudulent actions occurred on my account XX/XX/2023. I contacted the fraud division at PNC. They started an investigation. I also went to my branch bank and spoke with the manager. We decided to put a hold on the account to prevent further fraud attempts. The next day I noticed a hold on another account as well. I have three. But they said the holds are now being placed by someone with greater power and they can't release it. I can not access my money. On XXXX XXXX I received letters stating the investigation was over and my money was restored. So why are the two accounts frozen and I can't do anything, and the branch manager can't either. The bank has called whoever they are suppose to call several times, but they will not respond. My social security check was deposited and they won't let me have it. I almost got my life insurance policy cancelled because automatic withdrawal did not work. PNC is punishing us for someone else 's crime.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please immediately remove my incorrect name and date of birth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5500.00} ), XXXX - XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$20000.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has caused me severe harm. I been scammed. I been treated like XXXX. I been lied too. If this caller does not work for Wells Fargo than I want to know how this scammer was able to obtain my personal information from Wells Fargo. I file complaints and I keep receiving calls from a person who claims he works for Wells Fargo Bank. My research indicates this caller is a scammer and does NOT work for Wells Fargo Bank. I keep sending Wells Fargo these voice messages I been receiving and as of today Wells Fargo has ignored my concerns. When I file complaints I communicate with the person who sends me letters. I do not communicate with someone else who doesnt send me letters. This caller is a scammer and he possibly is responsible for taking money out of my accounts. Wells Fargo does bother but laugh at the harm they have caused me. I have no choice other than to file another complaint to get a response from XXXX  Wells Fargo Bank. Please listen to these voice messages attached. I am having a difficult time uploading these scam callers voice messages. Please provide me with a email address so I can forward these voice messages.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (NY)

I have requested debt validation numerous times from American Express. They have failed to validate the debt. In addition the company is showing the debt is charged off, but has not provided me with a 1099C. American express has charged off the amount owed and has benefited from the charge off tax wise without completing their obligation to provide a 1099C. Amount charged off {$7400.00}
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

TRANSWORLD SYSTEMS INC Reached out To me through a letter attempts to collect a debt of {$830.00} that was originally the XXXX XXXX and XXXXXXXX debtI spoke to someone from Transworld systems Ask them how did they get this information about me and who did they get this information from because I did not sign any contract or give anyone any permission to give my information to a 3rd party debt collector which is you guys they said to me that the XXXXXXXX XXXX internal turned it over to them I told them by law they can not accept it because I did not give them any Right to give a 3rd party my information I did not get any mail or any phone call asking me is it OK to give my information to a 3rd party or giving me a chance to opt out from the XXXXXXXX XXXX XXXX XXXX and you guys want {$830.00} that is not the original debt that I owe so can you please turn it back over to the XXXX XXXX XXXX XXXX Because I don't know who you are and like I said I did not give anyone the right to give you my information you are a 3rd party company which they verify that to me on the phone so now my rights as a consumer is being violated because XXXX decided to give by information to a 3rd party that collector without giving me a chance to opt out And explaining to me that I can opt out I do not order these people any money they're trying to get more money out of me and I never contracted with these people on any level.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Over the past few months I have been trying to get the three XXXX accounts removed or to stop reporting as if they are active. According to my report it reads as follows : XX/XX/XXXXLast reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  reported my balance on XX/XX/XXXX to XXXX and Experian as {$1400.00} when that is incorrect. The company acknowledged that they sold my debt. The debt company sent me a letter offering me a settlement of {$980.00} as paid in full. I paid the settlement amount of {$980.00} upon receipt of the letter. They wont update my balance to XXXX  although I have shown documentation of the settlement letter. There is also a recorded call with XXXX XXXX of their representative showing the account was settled and paid in full. XXXX XXXX  keeps adding comments to drop my score when Ive paid this debt in full.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX. 

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 consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

These items are having a negative affect on my credit report and are preventing me from getting a equity loan to consolidate my debt.

thank you for you assistance in these matters.
Consumer complaint received 2021-02-21
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. (IA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXXFraud Victim Assistance Department XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XX/XX/XXXX- XXXX XXXX  Account number XXXX Account type MORTGAGE EQUIFAX Account number XXXX Account type MORTGAGE Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license Copy of Credit Report Fair Credit Reporting Act Section 605B
Consumer complaint received 2022-12-19
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. (PA)

XXXX XXXX  reported my balance on XX/XX/XXXX to Equifax and XXXX as {$1400.00} when that is incorrect. The company acknowledged that they sold my debt. The debt company sent me a letter offering me a settlement of {$980.00} as paid in full. I paid the settlement amount of {$980.00} upon receipt of the letter. They wont update my balance to XXXX  although I have shown documentation of the settlement letter. There is also a recorded call with XXXX XXXX of their representative showing the account was settled and paid in full. XXXX XXXX  keeps adding comments to drop my score when Ive paid this debt in full.