davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

XXXX XXXX of XXXX XXXX sent my loan to BSI illegally with no notification ( XXXX ). When doing so they reported illegally a late in XX/XX/21. In XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have illegaly held my funds paid. I received email XX/XX/XXXX from XXXX XXXX at Directors she stated I was late. I sent all bank statements in. They then turned and said they do not represent my loan. Then why did you contact me? They forwarded me an email from XXXX XXXX at BSI, he states they sent mail but it was returned. I asked for proof ( never provided ) they also increased my account without proof or notification. With that they report to credit bureaus late illegally. XXXX hours I have spent calling, emailing trying to get this fixed. I have been verbally assaulted by XXXX XXXX, disparaged, slandered, defamed and he shared my personal information with outsiders ( illegal ). XXXX at BSI told me my account was always current no issues ( I have recorded ) her supervisor XXXX XXXX told me on XX/XX/XXXX that it was being fixed with credit bureaus. I asked again for the letter and again no response. I then receive email from XXXX XXXX at Directors stating the opposite. However how could she say that if they do not rep my loan? Then I have a text from XXXX XXXX owner of Directors that they do. They have violated so many laws to entrap and extort fees so you can not refinance. The vexatious behavior with malicious intent
Consumer complaint received 2020-07-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

I am reporting how unfairly I have been treated by Wells Fargo Bank. 
On XX/XX/XXXX, I applied Paycheck Protection Program Loan ( PPP loan ) to Wells Fargo according to federal guidelines as solo proprietor, requested loan amount of {$31000.00} ( based on my average monthly payroll of {$12000.00} ). XX/XX/XXXX WF notified me that WF received my application. 
XXXX, WF Emailed : We are in the process of reviewing your PPP application If you agree with the eligible loan amount of {$8000.00}, please type yes. I did not understand well, replied yes for being afraid that if I did not reply yes, my application would have been dumped. XX/XX/XXXX, WF sent DocuSign Email, item # 2 printed Promise to Pay {$31000.00}, ( copy attached ) I signed and XX/XX/XXXX the {$31000.00} PPP Loan disbursement was deposited to my WF checking account. Two days later XX/XX/XXXX, {$31000.00} was removed from my account noting Reversal of PPP Loan Disbursement and {$8000.00} was deposited as PPP Loan Disbursement. 
Since then, I have called WF PPP Loan customer service XXXX multiple times : XX/XX/XXXX spoke with XXXX, XX/XX/XXXX called and left message, XX/XX/XXXX spoke with XXXX who acknowledged that WF miscalculated and said that I should have received minimum of $ XXXX. ( Conversation record attached ). XXXX said he would check with manager and get back to me. XX/XX/XXXX & XXXX, I Emailed all my supporting documents again. XXXX, I spoke with XXXX XXXX and was told by her that she would expedite it to underwriter since I had called many times. XXXX XXXX called and said he would investigate it. Nothing happened In brief, in the past 6 weeks, I tried multiple phone calls to get WF correct the loan amount and I kept on being told will Look into it. When I asked agents extension for follow up calls, I was told that I needed to call XXXX number. When I asked for manager, I was told that there was no manager dealing with PPP loan. 
Being very frustrated, on XX/XX/XXXX, I called again, spoke with XXXX XXXX, a loan adjustor. She asked me to send employee health care and retirement info which I did. No correction was done till today. 
Wells Fargo Bank failed to follow federal guidelines on proper calculation of my loan amount and when mistake was pointed out even by WFs own employee, WF disregarded their error and took no action in correcting it! Wells Fargo removed money from my account without my authorization! 
I am so disappointed that Wells Fargo mistreated a loyal customer like me and took away my financial assistance given by government! 
P.S. documents attached
Consumer complaint received 2022-12-04
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. (NJ)

On XX/XX/2022 i was contacted by a debt collector named XXXXXXXX XXXX XXXX, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in TX now, XXXX XXXX XXXX XXXX XXXX XXXX .They violated my right consumer right since they called me before the legal time which is XXXX XXXX, in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX RI XXXX ; XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX  WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed : {$19000.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. These blocks the credit bureaus place on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

see attached for full complaint Dear CFCB Team, I am writing to formally dispute a duplicate account listed on my credit report. Despite my multiple attempts to resolve this issue, the erroneous account remains. 

The account in question is listed as # XXXX XXXX XXXXXXXX XXXX  and it is a duplicate of another entry on my report. Enclosed are supporting documents that confirm this error. I kindly request that you review my file and remove the duplicate to ensure my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

I Have enclosed XXXX forms of identification to prevent any further stall tactics. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Supporting Documentation ]
Consumer complaint received 2024-10-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. ()

hi on XX/XX/year> mercury.com bank sent me an email saying that they would close my business account of which I am the sole owner 100 % on XX/XX/year> because they noticed that I reside in the XXXX which is a country they no longer support. After explaining that I am a resident of XXXX but I was in the XXXX for vacation they replied that the account would no longer be closed advising me to ignore the previous email, so sure of this I deposited some money having a total balance of {$2600.00} but on XX/XX/year> my account was closed anyway and I am no longer able to receive my money.

Mercury.com says that the only way to receive the money is to send the check to my XXXX company`s legal address, but the check never arrived and they never provided me with a tracking number so I could monitor the shipping status. Last month they told me they would resend the check but I still have not received anything. Since it was their communication error telling me they would not close the account I asked for my money to be returned directly to one of my active bank accounts that with other banks but mercury.com refuses my request saying that the only solution is to receive it by check. Since the check has not arrived I ask for help to recover my money.
Consumer complaint received 2020-07-01
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: Klarna AB (NJ)

I Had a hard inquiry that i was informed about from experian on my credit and haven't had help to remove it when i was not at fault. I Spoke To Klarna/XXXX  and they said they would remove the hard inquiry by sending an email to experian to recall the inquiry but i never heard back from them. It has been a week now but the hard inquiry is not removed yet which go against what they promised.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (MI)

I have been having continuous issues since opening my accounts with Key Bank about a month ago. I opened them when I applied for a mortgage, and I think there was an issue in funding so I went to the XXXX branch to fund my checking account and got my account number. I have never been able to use online banking ( I think its been a month ). I called the call center multiple times, drove 45 mins to south bend to find out the branch was closed due to coronavirus ( my fault ), and then got scared this week as my first ever mortgage payment is due and I can not pay it. I emailed my contact who originally helped with my mortgage who put me in contact with another person is also helping to reopen my accounts. I have had all of my accounts cancelled- checking, savings, credit cards for no apparent reason. 

Called XXXX to get help paying my mortgage. I spoke to " XXXX '' around XXXX today XXXX/XXXX/2020 and was unable to be helped, manager refused to speak with me about my issue. This is after I gave them my SSN, address, name, phone, and account number. I was pretty hysterical ( sorry XXXX XXXX but I believe as a customer I am at least entitled to have the manager tell me directly that they cant help me, even if it was in a later call, which I agreed to, or to have them take a step to help resolve my issue. I didnt feel like I was treated as a valuable customer, and I have felt that the burden of fixing this problem has been largely on me. 

In contrast, I spoke with the call center XXXX/XXXX/20 around XXXX and spoke to an absolute angel who heard my concerns, was able to verify my identity, spent a lot of time trying to solve my issues and connected me back to the branch I opened the accounts with. I spoke to another absolute angel,  the branch manager at XXXX PA who is also trying to fix my accounts. I also previously spoke with someone from IT who put in a ticket and was also extremely helpful. 

I have no timeline for any of these accounts getting re opened, I dont know where my initial deposit went, and I can not seem to utilize the call center to help because I feel like I get treated with suspicion before being turfed to someone else. I have never had this much trouble with a bank.
Consumer complaint received 2022-07-20
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. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2024-10-19
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (AL)

Hi XXXX XXXX, You have not brought your account, ending in XXXX, current as previously demanded and you remain in default under the Contract with us. Your past due amount is {$2100.00}, which includes any applicable late charges. 

As a result, your account has been referred to our Repossession Department. CarMax Auto Finance reserves the right to pursue the recovery of the Vehicle as allowed by the Contract and subject to applicable law.

We would also like to advise you of the following important information : We may report information about your account to the credit bureaus. Late payments, or other defaults on your account may be reflected in your credit report.

The acceptance by CarMax Auto Finance of all or a portion of this or any other past due balance does not waive CarMax Auto Finance 's ability to exercise any of its rights, including the right to repossess. You are required to make all payments on time.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (DC)

In XXXX 2022, I was contacted by Truist Bank ( recent consolidation of Suntrust and BB & T Banks ) and informed I was in six months arrears with my car loan payments. My initial vehicle loan was via Suntrust Bank in XXXX 2020, at the time of my vehicle purchase. From the time of my vehicle loan in XX/XX/XXXX2020 to XXXX 2022, I was ahead on my monthly payments. At times, I was doubling my monthly payments. Every month during this time period, I was receiving notices from Suntrust Bank that I was ahead in my loan payments. 

However, in XXXX 2022, the automatic draft payment did not happen. Thus, sent my account into arrears. According to Truist Bank, the automatic payments didn't draft for XXXX and XXXX, but miraculously re-activated in XXXX 2022.To my knowledge, the drafts were happening, and I was not notified of the arrears until XX/XX/XXXX2022 via US Postal Service letter regarding owing Truist Bank on my vehicle loan. 

When I spoke with the supervisor, he cited a D.C. statute ( he could not cite the specific codes, but cited Congresswoman XXXX XXXX XXXX XXXX bill which recently became law ) which in essence, states ( and I'm paraphrasing ) that Truist Bank would be fined {$10000.00} for harassment for contacting me as a District of Columbia resident regarding my bill. I responded that this made absolutely no sense. If they had checked my account, they would see I had not been in default nor late with my payments. As a result, Truist Bank could not contact me because of this " recent legislation. '' I asked the supervisor how is it that in light of this " legislation, '' I was contacted via letter in XX/XX/XXXX2022 and not in XXXX 2022 when the first payment didn't post? Silence. I also asked the supervisor if perhaps the Truist Bank 's conversion software from Suntrust/BB & T Banks to Truist Bank may have been the culprit in the interruption of my payments. The merger of the two banks on the part of the information systems have been horrific according to national and banking news reports. 

Lastly, I called Congresswoman XXXX 's office to find out about this " DC statute '' because I couldn't find a record of it. Her staffer couldn't cite the statute and suggested I submit a complaint with CFPB.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

I closed my Conns account in XX/XX/2020 and now Conns is reporting late payments to XXXX for XX/XX/2020 as 30 days late and XXXX late 90 days on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have called multiple times and sent Conns support thru XXXX the documentation since this started in XXXX. I have also disputed the late payments with XXXX and XXXX with no resolution. Conn 's is validating the debt and this is incorrect since I paid and closed the account in XXXX of 2020. I have never been late on this account. Also, filed a complaint with the XXXX and they commented I would be contacted but never was and when I checked Conns support thru XXXX the complaint was closed as resolved. XX/XX/2020 I called conns again and finally got to speak to a manger only to be told I have several tickets open on this compliant and I need to re-submit the reports from the XXXX and XXXX. So I would start the processes again it is now going on 4 months and my credit score has dropped, and a home loan has fell through because of this. It causing a lot of suffering because of this.
Consumer complaint received 2020-07-01
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)

XXXX XXXX criminal bank institution did fraud and identity deft on my name. And possibly shared with that XXXX  and unknowing XXXX, Equifax, XXXX. This four criminal companies are holding my information without my consent.
Consumer complaint received 2022-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

MIS-APPLICATION OF BORROWERS LOAN PAYMENTS BY XXXX XXXX TO PAY FOR LEGAL FEES-LOAN ACCT. # : XXXX XXXX LOAN ACCOUNT # XXXX SLS LOAN ACCT. # XXXX. 

I wish to request that the amount misapplied by XXXX XXXX wrongly towards legal fees and expenses disbursements contrary to the compliance requirements of the Real Estate Settlement Procedures ( RESPA ) and its implementing regulation, Regulation X. This also constitutes violations of the Consumer financial Protection AcXXXX of XXXX. 
These monies meant for the purpose of principal payments, interest and escrow ( taxes etc. ) payments were not applied accordingly ; rather used to settle legal fees without any disclosure ( s ) to the borrower at any time. 
XXXX XXXX had accepted that only the sums of {$3400.00} and {$3400.00} was applied from the loan accounts for legal fees/costs and foreclosure costs respectively ( see Exhibits XXXX and XXXX attached ). Howbeit, the loan account activity statement provided by XXXX XXXX specifically for years XXXX and XXXX, clearly confirms that {$22000.00} was misapplied for legal fees and disbursements ( see Exhibits A and B attached ). 
The New York State Laws states that not more than {$600.00} should be expended to recover any debts from the borrowers loan account ( See Exhibits C attached ) In XXXX, the borrower requested that the unutilized balances in the borrowers loan account including the excess legal fees be credited and applied to the loan principal account which was then in arrears of two-months in the sum of {$8600.00}, to fulfil the requirements of the XX/XX/XXXX modification agreement with XXXX XXXX XXXX for the forgiveness of the deferred XXXX principal amount of {$140000.00} conditioned on the borrower not being in arrears of 3 months mortgage payments at any time ( Exhibits 4 and 7 attached ) XXXX XXXX did not resolve my concerns nor honor my request; but instead, immediately : 1 ) Cancelled the loan forgiveness of {$140000.00} stating the borrower had violated the terms of the modification agreement and 2 ) Transferred the servicing of the loan to a new servicer, Specialized Loan Servicing ( SLS ).