davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, at XXXX I logged into my mobile banking app and saw {$600.00} in deposits missing from my account. <P/>I contacted customer service at about XXXX to ask if something was retracted from deposits made. The customer service rep, who would only give me a first name ( XXXX ) basically said it 's a issue that is being handled but she has no explanation, only that if I was going to be charged a fee for having negative funds they would remove it once corrected. I did n't have that issue thankfully, but wanted to know when this will be seen on my account, why I was n't contacted about it and how this occurred. The customer service rep basically challenged and argued to try and convince me all banks do this and do not tell cusomters. <P/>Very discomforting when this Wells Fargo to protect my money as my bank and they have money disappearing from my account, do n't tell me anything or have customer service reps ready to ease customers concerns about this issue and reassuring them the money will be credited to account. <P/>They basically said they do n't have enough people to do that. Not very reassuring and will be looking at other banks with better services ratings. This is similar to the issue with the credit cards being opened, transaction being on accounts and not informing clients of any issue only if we catch it and call.
Consumer complaint received 2016-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NY)

FAMS called friends and family members that I had not disclosed their personal numbers to inform them of my debt. What is eerie is how they acquired this information because XXXX family member they called, in particular, was my grandmother whom lives in a geriatric community. They called her house phone ( land-line ) when she does not even live in the states. She had no idea of my student loan because I did not want her involvement, and she has a XXXX XXXX. She called me crying and nervous because FAMS had called her saying I was in trouble and she needed to confirm my address and cell number. She asked what they wanted with me, and they told her that I was in trouble and she needed to help them help me. My grandmother was called three hours after my uncle, whom also was not informed of my debt, and was phoned on his private cell. XXXX do not live in the states, of which FAMS knew, because they sent operators to speak in XXXX. In addition, my uncle, whom does speak English, had confirmed to them my information, to which they disclosed my debt. Hence, why did they call my grandmother three hours after they had illicitly spoken to my uncle, whom confirmed the information they supposedly did not have? Those are only XXXX, atrocious examples go the violation of privacy and dignity FAMS caused against me. They called my family, whom did not know, and suspiciously acquired their information. Absolutely none of the information they have on me uttered these family members names or information, particularly because my " uncle '' is actually a third cousin of my mom, whom I call " uncle '' out of love. When I confronted FAMS on this situation they lied, and claimed that these people were listed as " recommenders '' for my loan. My XXXX grandma with XXXX and poor XXXX did not write me a student loan recommendation. In addition, I would never tell my family of my student debt, especially my uncle. It made no sense. They then proceeded to apologize, but never to told me how they got the information. FAMS is supposed to be in association with XXXX, which had my loan prior. Thus, they already had my number, email address, and address. They did not need to call anyone and did so to embarrass me through cruelty.
Consumer complaint received 2016-09-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (CA)

Here 's the documentation you requested. As I stated this was a home equity loan -- not thru XXXX but rather it was transferred to XXXX XXXX XXXX from XXXX They put me in collections with Realtime without contacting me or sending any correspondence of any kind letting me know that the Loan Servicing was being transferred. I made settlement payment to criminals at Realtime -- who promised that they would delete ALL Late Payments from my credit report in exchange for our agreed-upon Settlement Terms. 
XXXX Last Active XXXX XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : THIS IS AN ACCOUNT IN GOOD STANDING XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : ACCOUNT/PAID SATISFACTORILY XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : PAID ACCOUNT. XXXX BALANCE Opened XXXX Reported XXXX High Balance XXXX Reviewed 68 mo XXXX Past Due Payment Paid Balance Status REALTIME XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX : SETTLED ACCOUNT XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : HOME EQUITY LOAN Opened XXXX Reported XXXX High Balance XXXX Reviewed XXXX mo XXXX Past Due Payment Paid Balance Status REAL TIME RESOLUTIONS XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX XXXX XXXX XXXX XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX
Consumer complaint received 2022-12-06
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. (OH)

XXXX XXXX  began to report {$76.00} open balance on my Transunion agency consumer report. The original creditor XXXX  XXXX  XXXX XXXX Who I previously had remove the same collection company removed from my account for {$860.00}. Which now they are re-reporting a new balance of {$76.00} from the previous collection placed on my consumer report that has already been deleted. I never received documentation from Transunion that we would reinsert this collection on to my credit report> This is fraud and again violating my consumer rights. In pursant to 15 USC 1681 ( 3 ) which restricts sharing my medical information to a 3rd party without my permission. In which I did not give or shown proof of my signature. This exhibits my HIPPA rights are currently violated.
Consumer complaint received 2023-01-03
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. (MD)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2022-12-07
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. (AL)

These accounts were opened under my social security number without my authorization. XXXX requesting these be removed asap. 

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 2022-12-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX TX ) XXXX Balance : {$620.00} XXXX XXXX XX/XX/2021
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Foreclosure-Illegal Process and Guidelines. 

My home is scheduled for Foreclosure Sale XX/XX/XXXX - TOMORROW. I have been told I am in a Trial Modification without my receiving any documents for me to sign. I only received information in a Monthly statement ( via mail ) that my monthly Trial Modifications were to start XXXX and payment needed to be received ON or Before XX/XX/XXXX. How can I have until XX/XX/XXXX BY LAW to make my monthly payment but have a SALE OF MY PROPERTY XXXX XXXX? This to me is against the LAW! Please assist with correcting this to protect me as a consumer. This does not seem to align with what 's law. NationStar now says I have to have my payment in by XX/XX/XXXX to stop foreclosure proceedings for XX/XX/XXXX. This is not right. They refuse to disclose any terms of a permanent modification ; and their papers say this is Trial Modification Offer not Trial Modification.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (IL)

I applied for a home loan from Suntrust in XXXX Fl for a home I own in XXXX XXXX, FL. The loan was a " no escrow '' for real estate tax. After XXXX different loan estimate statements, I finally received a " final '' XXXX with a requirement that I prepay real estate taxes due next year. This was never mentioned in any of the HUD required documents, nor in the initial application docs that I received and signed. The following is part of an email I sent questioning this charge : I am questioning the {$6500.00}. funds needed to close in the XXXX XXXX loan estimate statement that does n't define the payouts. I have questioned this many times since and never received an answer. The need to prepay or set up a escrow account for 2016 real estate taxes was never mentioned. 
I wo n't receive the 2016 tax bill until XXXX XXXX and I usually pay it soon after to receive the 4 % discount for early payment. The XXXX XXXX loan estimate does n't show any prepay or escrow for the 2016 RE taxes. It was scheduled to close by XXXX XXXX. The same $ XXXX loan shows no deficit for this need. 
Their reply was : " We are not setting up an escrow account, the funds are collected at closing to insure the taxes are paid for the year and will be held by the settlement agent. Most, if not all lenders have this requirement. '' I would think current HUD requirements would require them to disclose this in their application and the XXXX previous loan estimate statements that did n't have this payout. 
I have asked for my application fee to be refunded and they refused.
Consumer complaint received 2023-01-03
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2016-09-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I have been paying my mortgage faithfully with Ocwen Mortgage for more than 2 years, I recently discovered they were not reporting my payment history as they are supposed to. 
I 've been in contact with all XXXX agencies of credit reporting bureaus. Ocwen. assured me each and every time that they have been reporting, however they are not reporting per my credit reflections, in return driving my credit score down by more than XXXX basis points, preventing me from refinancing my home. My loan is a fixed interest XXXX Mortgage. 
I have sent numerouse letters and received letters stating as such ( they have reported to all XXXX bureaus ) THEY HAVE NOT ... 
I 'm at wits end and very frustrated, It 's my understanding that per XXXX reviews on this company this is a ongoing problem and people are just as fed up as I am. 
So I ask how can the CFPB and FTC allow this company to operate in such a rogue way? 
There are many suits and complaints out there but yet, nothing is done about it. They are still treating their customers in a way that is operating against the law. Amongst other severe violations that have been documented. So once again how long can the Law continue to ignore this companies breaking of many laws?
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (CA)

hello I 'm filing a complaint on company of citi a credit card company. three months back they gave me letter stating fraud took its place so they froze my account. the company wo n't activate my credit card and my account. 


so out of those three months I try to fix the problem butt the  workers in the manager who works for the company keep on giving me a run-around.I did n't contact the credit card company to use dear servicet they came to me.so now they want me to pay a credit card balance a balance that I did n't do. 
I answer all the security questions they ask me.and tell him I 'm dealing with another bank and they still wo n't activate my account.the company 's keep on telling me I 'm dealing with two agencies
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NV)

For several months credit card companies have not updated their information to XXXX XXXX XXXX and XXXX by not doing this my accounts were not reflected in a positive manner causing me the inability to obtain services that would have been granted if my information was current and correct
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-03
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. (MI)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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. (IN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Had a USAA credit card for approximately 17 years, never delinquent, late, etc. Yet, TWICE in as much time - USAA sent me VERY OFFENSIVE correspondence - so on the last one, in XX/XX/XXXX - I demanded that they close my account. Even requested they " negotiate '' a " payoff '' of my account - but was discriminated against because USAA informed me that " USAA only negotiates a smaller amount of a payoff with people whose accounts are delinquent. '' What-the-XXXX?!? Since the closing of my account - I have made monthly payments OVER the amount due ( I also did so during the 17 years it was kept current ) - except for XX/XX/XXXX, wherein I forgot my payment. It was due on XX/XX/XXXX. Today is XX/XX/XXXX - not even an entire MONTH past due - and I have received a letter AND TWO debt collection phone calls from USAA. What-the-XXXX?!?! I sent USAA an email - put in writing - that I DEMAND THEY STOP CALLING ME - yet, again, today I receive another call from USAA! UNREAL and very discriminatory to say the least!!! I am now contemplating BANKRUPTCY. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive tried online disputes 3 times already and they only come back saying account was verified. I was told the account was closed but it is still showing as open. Theres a balance of XXXX with monthly payments of XXXX. Theres no way we can owe XXXX a month if the whole amount owed is XXXX. I contacted XXXX XXXX XXXX today and they told me it wasnt their issue and I needed to call the reporting agency. Transunion, the one reporting agency Ive checked, told me it was the companys responsibility. So Im just trying to get this fixed! Any help you can give would be greatly appreciated!
Consumer complaint received 2022-12-06
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance {$24000.00}
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance {$24000.00}
Consumer complaint received 2017-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

WHEN I APPLIED FOR THE LOAN I TOLD THE LOAN REPRESENTATIVE THAT I GOT PAID EVERY OTHER FRIDAY. I WAS NOT EXPECTING HER TO MAKE THE REPAYMENT CONTRACT FOR PAYMENTS DUE EVERY OTHER THURSDAY. SHE DELIBERATELY MADE THE CONTRACT FOR EVERY OTHER THURSDAY. I TRIED TO GET THE COMPANY TO CHANGE MY DUE DATE TO EVERY OTHER FRIDAY AND THEY TOLD ME THEY COULD N'T CHANGE IT. THEY SAID I WOULD BE CHARGED EXTRA INTEREST EVERY TIME THE DUE DATE NEEDED TO BE CHANGED. THEY SAID I WOULD HAVE TO CALL IN EVERY OTHER WEEK TO REQUEST A PAYDATE CHANGE. I WAS BLINDSIDED BY THIS EXTRA INTEREST THAT I FEEL THAT I SHOULD NOT HAVE TO PAY DUE TO THE FACT THE THE LOAN WAS BASED ON FRAUDULENT/INCORRECT/DELIBERATELY FALSE INFORMATION.
Consumer complaint received 2017-09-16
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. (TN)

This is regarding the Equifax data breach, they have failed to protect sensitive information and exposed every aspect of mine and my families life. This is disgusting, they should be shut down, why are they still allowed to operate?