davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed that the finance company is reporting the same information but with different finance company names and the information is not being reported correctly. I submitted the copies of the credit reports. 

I requested the following information from the financing company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX no response have been received from the finance company. Please provide the following information or remove debt from my credit report. Under Florida Statutes Chapter 679, which governs secured transactions, and pursuant to Florida 's Uniform Commercial Code ( UCC ), I am entitled to receive certain documents and detailed information related to this process. I respectfully request the following documentation : Final Account Statement / Payoff Statement which should include but not limited to : The remaining loan balance. 
The amount credited from the auction sale. 
Any additional charges like repossession fees, storage fees, or late fees. 

Deficiency Notice : The amount received from the auction.

The remaining balance that you say I'm responsible for ( i.e., the " deficiency '' ).

Auction Sale Details : The final sale price of your vehicle.

Any related auction fees or deductions from the sale price.

Repossession and Sale Fees Breakdown : Towing fees. 
Storage fees ( if applicable ). 
Auction fees. 
Administrative fees related to the sale. 

Loan Agreement/ Original Contract Statement of Payments Made Legal Notice of Default and Repossession : Default notices. 
Notices of intent to repossess. 
Notices informing you of the auction. 

Letter of Intent to Sell or Auction Notice Please provide these documents within 30 days as required by Florida law. If you do not provide the requested information, I will be forced to consider legal action to resolve this matter, including filing a complaint with the Florida Office of Financial Regulation and/or pursuing further dispute resolution. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documents as soon as possible. If you require any additional information from my side, please do not hesitate to contact me via email XXXX Thank you for your cooperation.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

I had a XXXX American Express Rewards Card. I stopped using it. The program for XXXX was transferred to XXXX in 2016. They called to ask if I wanted to have a XXXX BarclaysCard. I told them I did not. I did not renew. Then I started to receive a bill every month or so, with an amount due for {$40.00}. I called and told them I never accepted this card, please cancel. It kept coming. I believe I called 3 times. Recently, my credit was pulled for a home purchase. I see that my credit score had dropped XXXX points. We found out it was because of a delinquency from this {$40.00} charge from a card I never accepted. You can call the BarclaysCard Investigation Specialist for more information. XXXX
Consumer complaint received 2016-08-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I recently purchased a new car and am having issues with my lender, Wells Fargo Dealer Services. I received a collection call after receiving no information about my loan - including account number and any identifying information for websites. After complaining that I had no information and just wanted to be enrolled in Auto-Pay they took my bank information and I made a payment. I then logged into the website to sign up for Auto-Pay. I made 3 attempts to enroll online and I believed that the last attempt succeeded. The next month I got a call saying my bill had not been paid and being treated as thought I was a criminal - I never pay bills late, so this was very frustrating to me. I paid via phone again and they had no explanation for why my auto-payment had not been taken. They have my information so I asked that they just enroll me in it. They said they ca n't do it over the phone ... even though they store my information and have all the same information on file that they would need to enroll me. I logged in again during the month and tried to re-sign up or confirm my signup. It gave me an error message. Today I received the same call. For the first time the rep informed me that it takes a full billing cycle to work, which no one had told me, and also that somehow it was n't showing that I was enrolled. I made my payment and scheduled a payment for the next month, then I asked if he could enroll me in auto-pay. He said he could n't, but I could log in online and enroll or enroll by mail. I logged back into the website and got another error message after filling out all the forms. ( Keep in mind that every time you want to enroll it requires logging into both your loan account and your bank account to get account and routing information that Well Fargo is already storing ) This time I called and was told that because my account was past due ( I already authorized a payment today ) their policy was to prevent my account from enrolling in online banking until the payment processed. I can do other things online, just not fix my problem. The policy is clearly set up to keep consumers behind on payments. There is no logical reason why, after logging into their site on many separate occasions, I have not yet been able to successfully pay my bills automatically. And there is no logical reason why the ability to enroll in auto-pay should be limited because of an issue enrolling in auto-pay! It 's absolutely a system meant to create inconvenience and to prevent you from solving the problem when you are actively dealing with it. Please require that they change this policy that is damaging to their customers. I just want to pay my bills easily, and if there is a problem - fix it promptly. That should not be too much to ask.
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (IL)

This complaint is connected to the first complaint I made in regards to PNC Bank. Today my mother and I received a call from an agent who works for PNC Bank. He was asking questions about what the complaint was about and he was using falsehoods and confusing lengthy statements to try to explain what the bank has been doing. When I closed my bank account ( which was in XXXX XXXX 's name and Social Security number since she used to be my payee but no longer is ) I said I closed the account due to " blatant fraud ''. 
A company named Simply Be, who uses comenity bank, has told me that my refund ( which is {$29.00} as opposed to {$36.00} due to shipping fees ) was sent to pnc bank and Simply Be says that it is not their policy to accept any returned money from PNC. PNC tells me that they never received the {$29.00} and if they had received it, it would go back to Simply Be and they will not mail out any checks for a closed account. The money was put into the account on the XXXX ( the PNC account ). The PNC account was closed on last Saturday. No one knows where that {$29.00} went.
Consumer complaint received 2016-08-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (TX)

Ever since my XXXX student loans came due in XXXX 2015, Wells Fargo has consistently misapplied my full amount payments to only XXXX or XXXX of the loans, and then charged me late fees for the remaining balance. This has happened whether payments were made in a branch, through the app, or over the phone. By the time I discovered these mistakes made by Wells Fargo, late fees had already accrued. These late fees have not only caused a lot of hassle, they have also caused significant drops in the credit scores of both me and my parents, because when these " accidents '' are made, and account are mistakenly shown as past due, this information is then forwarded to the credit reporting bureaus. 

Additionally, because over XXXX loans, my interest averages out to a little over 10 %, I applied for a modification in an attempt to lower my monthly payments of {$890.00}. I was informed that, along with my parents as cosigners, we made too much to qualify for a modification. We then went through the process of applying for a student loan consolidation. After Wells Fargo lost my parents ' submitted information multiple times, we were finally denied the consolidation by receiving an email informing me that I still required a cosigner to qualify. When I called to ask if this was a mistake, as I had submitted my parents ' information multiple times, they informed me that, between my parents and I, we did not qualify for a consolidation, not only because our credit scores had dropped ( in no small part due to misreporting accounts as past due, when they had, in fact, been paid ), but because we did not make enough. 

As of this morning, I received an email from Wells Fargo informing me that I was past due on XXXX of my XXXX accounts. This last month, in an attempt to avoid any issues with Wells Fargo for the first time in over a year, I made my payments two weeks early, through the app, and paid on each account separately. After a fifteen minute phone call, I was informed that, once again, a mistake had been made by the app, and the payments were only applied to XXXX of the accounts. The person I spoke with assured me, as I have been assured every month for the last fourteen months, that a flag would be placed on my account so that a person would manually make sure that my payments would be applied correctly. 

Wells Fargo has just settled with the Consumer Financial Protection Bureau for misapplying student loans payments so that they could charge more late fees, even when payments have been made properly. At this time, I currently have an outstanding balance of {$88000.00}, with {$220.00} in late charges. I do not look forward to having to call Wells Fargo again in XXXX when they most likely " accidentally '' misapply my payments for the fifteenth time.
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

When is enough enough? I 've been back and forward with Wells Fargo in regards to modification for a long Of time. I just learned today, when I call to find out the status of my modification and regards to all the paperwork, that I keep submitting over and over again. I was told as of today, Wells Fargo stated, that they did n't have no paperwork on my modification. Wells Fargo rep alos told me that I never apply for modification. 

Wells Fargo, is now claiming they never received any notification in regards to any modification or paperwork. I was assigned to a different person now. Who said I had to start the whole process all over again. Wells Fargo wants me to submit my paperwork all over again. 

Within the past few years, I 'm trying to get this modification going. I 've been assigned more than XXXX different people from Wells Fargo on my case. I can not understand, why am I be given the run around. Why am I being assigned so many different people. Why can I just have one person assigned to this case from start to finish? 

Today somebody else called me and said they had been assigned to my case. Now today alone, I get XXXX different people assigned to my case as of today. That is XXXX more added, to all the other people that has been assigned to my case from before. 

Is this some type of a form of a joke? Wells Fargo is trying to play games with me. They assign multiple people to my case. They had lost my paperwork multiple times. Every time I do this modification, I am giving every excuse in the book. 

Wells Fargo will still say I need more documents to be submitted, the documents that I submit is now too old now, we needed to assign somebody else to your case and start the paperwork all over again, your paperwork is in review with the underwriter. Which I 'm told it could take a couple of months for them to decide. How many times do I need to submit the same paperwork over and over again? How many more times does somebody need to be assigned to my case? How many more times can you say I 'm missing a documents. Yet Wells Fargo said they had everything they needed.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (IL)

On XX/XX/2016 XXXX CST, I recieved a call from XXXX, claiming to have a " collection matter '' that was placed with Statewide Credit Corp , in XXXX IN. The femaile caller refused to indicate " who '' the creditor was, and demanded me to verify who I was. I still demanded to name of the " creditor '' and was refused. The female caller became very abusive, and I terminated the call.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Fraudulent Activity and Violation of Privacy Rights by XXXX, XXXX, and TransUnion. I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, XXXX, and TransUnion. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting an erroneous account on my credit report. The following company have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX. This account has severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure this fraudulent and inaccurate account is removed from my credit report. I am also requesting that the CFPB ensure that XXXX, XXXX, and TransUnion comply with their legal obligations to protect consumers privacy and accurately report credit information. Please feel free to contact me should you require any additional information or documentation regarding my case. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

This is the second complaint with CFPB an d Caine and Weiner. My  first complaint was  XXXX .  Caine and Weiner respond ed with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Secti on 609! I  have the right to request and receive " the name of the person under which such person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request. If  Caine and Weiner  can not provide this, I want this account removed from my credit report immediately.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-11-08
Product: Credit reporting 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)

To Whom It May Concern, I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating. 

Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation.

Please provide the following : The names and business addresses of each individual you verified the information with, so that I can follow up.

The date on which you contacted the individual information furnishers.

The method of communication used to verify the information.

I also want to know if the furnisher provided you with my SSN, address, or DOB. 

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. 

Your cooperation and prompt attention are legally required.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXXl XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (IL)

This account is a fraudulent account. It has n't been removed/deleted from my XXXX Credit Report, however, it is still showing up on my XXXX report. I am an ID Theft Victim. I have made every attempt possible to communicate with these people about getting this resolved, and it was n't resolved on my XXXX Report, the other XXXX, XXXX still has it on their end, the amount is for {$230.00}. XXXX, I am not sure if is on there or not. I have access to only XXXX of my credit reports. I also explained to this debt collection agency that I have done everything possible to get this resolved, meaning file a Police Report, etc. The police where I live do not care about stuff like this, and they would n't file any type of report. They just do n't listen!!!!