davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (IL)

On XX/XX/XXXX I paid a one time fee of {$50.00} towards a debt that was owed to XXXXXXXX XXXX XXXX XXXX. The lady I talked to in XXXX, tried to tell me how much I needed to pay to stop the debt going on my credit report. I noticed on XX/XX/XXXX I noticed a charge on my bank statement that I did not authorize for {$50.00}. I called my bank, they could n't tell me the company who took the charge, my bank looked up on XXXX, and came across the debit as fraudulent and disputed the charge. I then remembered who the charge could have been from, called the collection agency, and explained that I have not been in contact with them to authorize another charge. There 's absolutely no reason why my credit card was saved on file. I did not authorize, give consent or permission for anybody to charge my account. That is illegal and considered theft!
Consumer complaint received 2018-01-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXXI requested for XXXX XXXX credit reporting agency to investigate accuracy of a creditor by name of XXXX XXXX in my credit file with account number XXXX. I requested for creditor to provide myself as well as XXXX XXXX with a copy of original contract signed on my behalf as well as identification provided on my behalf. As of XX/XX/XXXX I have not received those documents from the creditor either has XXXX XXXX. Therefore, I am requested for this negative information be removed immediately. 





INCORRECT NEGATIVE REPORTING IS BEING REPORTED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA
Consumer complaint received 2024-10-31
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

During the refi process with Wells Fargo an apprasial was ordered. Unfortunately in the end we had decided not to refi with Wells Fargo becuase a better rate was found at XXXX XXXX XXXX XXXX. In order to not pay another {$650.00} in appraisal fees we requested Wells Fargo release the apprasial and the appraiser to XXXX. Wells Fargo response is we do not release appraisals/appraiser 's. I do n't understand this practice and costs the Wells FArgo nothing to release the apprasial/apprasial.

I do indeed have a copy but XXXX claims the appraiser needs to be released in the case they have additional questions.
Consumer complaint received 2018-01-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I requested for Trans union credit reporting agency to investigate accuracy of a creditor by name of XXXX XXXX in my credit file with account number XXXX. I requested for creditor to provide myself as well as Tran sunion with a copy of original contract signed on my behalf as well as identification provided on my behalf. As of XXXX I have not received those documents from the creditor either has Trans union. Therefore, I am requested for this negative information be removed immediately. 





INCORRECT NEGATIVE REPORTING IS BEING REPORTED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (WA)

I cosigned on an auto loan. My son is not able to pay the loan. I decided to pay the loan off in full. When inquiring about the pay off amount and asking to have the Title to be sent to my address, I found out that Wells Fargo had never received the Title. I was not listed on the title and Wells Fargo is not listed on the Title as Lien Holder. This was XXXX of 2017. I asked the costumer service representative why I was not notified of this. She said that she needed to verify my personal information. Evidently, when I filled out the application my name was already in their system and Wells Fargo pulled my old information from their system and put it as my current information. I was never notified that there was a problem with the Title. I also found out that the percentage rate was changed from 12 % which was extremely high already to 17.99 %. In my paperwork it states the dealer, XXXX XXXX will complete title transfer and registration of ownership to the above names, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and Register the lien holder on the title as Wells Fargo Bank. Apparently none of this was done. I had no idea until I called to pay off the loan. I would have taken care of this if I knew that this problem existed ... I have called Wells Fargo since XX/XX/XXXX trying to get some answers. I have left multiple messages, been assigned to multiple supervisors, who have never contacted me by phone only by mail, stating basically, it 's not there problem!! I have tried to get answers and no one will help me. I spoke to my attorney and she said to stop paying the payment and if that does n't get their attention then contact the Attorney General. I have paid {$8400.00} on the loan for XXXX. they say I owe {$9400.00}. I feel {$5000.00} is a fair number to pay them. They have ignored my calls for the last 6 months. They basically will not acknowledge that they did anything wrong. That it 's my problem that they did n't do their part to secure this car loan. I hope there is some way that you can help me. I have hard copies of documents if you need me to send them to you. I am unable to attach them by my computer. Thank you. XXXX Here are some of the names that were assigned to my account. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ... Thank you
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

Complaint number : XXXX I received a reply today from Citi bank saying that they did not resolve my complaint due to my not supplying proof of original and amended quote from XXXX XXXX. I did indeed submit this information. Attached are photo copies of my email with the attachments. They have had this information for 7 months. 
I hired movers who changed my quote via phone 3 days before my move. I did not use them but they charged my card {$760.00}. Citi bank will not help me resolve this issue.
Consumer complaint received 2018-01-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (NJ)

I regularly check my credit report and on XX/XX/XXXX, I noticed that XXXX XXXX XXXX ( XXXX, Tx ) had placed a derogative account on my XXXX credit report. Please note I have never received a phone call or any mail correspondence in reference to this alleged debt. I have never held a contract with XXXX XXXX XXXX, so I sent XXXX XXXX XXXX a certified letter on XX/XX/XXXX, disputing the debt and asking for verification of this alleged debt and they replied with no documentation proving that I had a contract with their company owing them XXXX. I also sent another certified letter on XX/XX/XXXX but have yet to her back from them. Please note they have reported to XXXX credit Bureau since XX/XX/XXXX that this debt is mine, but have failed to comply with the FDCP and FCR by contacting me and allowing me to dispute the debt as well as after receiving a certified letter from me indicating that I am disputing this alleged debt updating my XXXX Credit report with a note of dispute by consumer. I have sent two certified letters to this company asking for proof of contract with their company bearing my signature but that have not complied. I is my hope that your able to get in contact with XXXX XXXX XXXX and have them remove this erroneous Debt from my XXXX  credit report.
Consumer complaint received 2024-10-31
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. (LA)

I have repeatedly requested that they investigate the accounts below and provide me with any documents to support their reporting. As of today, they still need to supply such documents TransUnion states there are no such documents from them all the information comes from the creditors XXXX  I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by their agency in my earlier disputes. All the information they used for their investigation, as FCRA 611 ( a ) ( 7 ) required, Written proof that you forwarded all the relevant information in my earlier disputes to creditor. FCRA 611 ( a ) ( 2 ) ( B ) The company XXXX also did not provide anything when I contacted them about debt validation. XXXX and XXXX has since deleted this account from my credit report
Consumer complaint received 2018-01-18
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. (NY)

XXXX has filed inquires that were not made by me and sent to Equifax on the following dates -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reached out to XXXX plenty of times and have even did all there instructions on writing a letter back to them to resolve this matter. Months have gone by and these items have still have not been removed.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (NY)

I am writing this letter in regard to an issue that has presented itself. I had an outstanding balance on a XXXX XXXX credit card account about 2 years ago because I went trough a hardship I called the bank directly and settled my account over the phone ( bank has to have record ), XXXX XXXX set up automatic payment on their end which were completed and terminated by XXXX XXXX when settlement amount was reached in XXXX 2017. Approximately few weeks ago I received a letter from a debt collector stating that I have a remaining balance of XXXX, I explained what happened to the debt collectors, they refused to cooperate, I tried to call them bank and they refused to speak with me -- stating that my account was sold to debt collectors and I have to speak with them, I am a single mother and feel like I am stuck in-between because of a mistake made by XXXX XXXX. I obtained proof of all payments from my bank and sent them to debt collectors and according to them they contacted XXXX XXXX twice on my behalf, 1st time banks response was " the monthly payment amount was incorrect it is supposed to be {$95.00} instead {$93.00} '', when I explained it was set up on their end then they answered on 2nd request from debt collectors that they never even settled this account and I was just paying toward my balance.
Consumer complaint received 2018-01-18
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: CITIBANK, N.A. (NY)

Citicards has filed inquires that were not made by me and sent to XXXX on the following dates -- - > XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reached out to citi plenty of times and have even did all there instructions on writing a letter back to them to resolve this matter. Months have gone by and these items have still have not been removed.
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (PA)

after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on my credit report.
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (VA)

The interest rate is 24 % with monthly payment at {$470.00}. When payment is made, little amount is applied to the principal. So, I need to fix the issue. For example this month out of the {$470.00} amount paid, just {$51.00} was applied to principal. I believe I am been chat on this loan by the lender.
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I believe that the initial interest rate exceeded the maximum amount a person should have to pay, well over 20 %. Although I tried maintaining the payment and asked several times to lower my payment, the lender only extended the loan until I could no longer afford to keep the vehicle and it was repossessed. 

The balance remaining after the vehicle was supposed to have sold is well over what the car is even worth today. Below you will see what the value of the vehicle really should be DMV profile XXXX XXXX VEHICLE XXXX XXXX XXXX XXXX XXXX XXXX 4dr XXXX VIN : XXXX DRIVERS XXXX XXXX Year of birth : XX/XX/XXXX Driver license : XXXX License state : FL Expenses Insurance Last updated XX/XX/XXXX - Vehicle Value Estimated by XXXX - {$9000.00} Private party Current valueUPDATED {$9000.00} Private party {$6700.00} Trade-in good condition {$6000.00} Trade-in average condition {$5100.00} Trade-in poor condition About vehicle valuation There are several factors that are used to calculate your cars current value. Your current mileage, where you live and the cars condition all play a role in your cars value. 


Recall notice STRUCTURE : BODY : HATCHBACK/LIFTGATE + XX/XX/XXXX Affecting XXXX vehicle
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

InXX/XX/XXXXCHASE BANK ( located on XXXX XXXX XXXX ) in  XXXX Florida closed without any kind of warning my account. 
I have neverhad any kind of issues such as overdraft fees, I have been a cutomer in good standing for more than twenty years including Washington Mutual. 

The account was closed in simple retalitory manner by a so called " manager '' after I complained to her about customer service issue at the branch and the fact that Chase had refused in violation of federal law to investigate a 70USD transfer from my account. I had contacted Chase in XX/XX/XXXX several times via phone and e- mail to investigate the transaction. Chase refused to do so for more than 13 months. 
I talked to a manager with extreme poor command of the English language who also was unable to understand the what a Power of Attorney is, which I held for my XXXX year old father. 
Chase terminated also his account with any kind of warning or notice ( onXX/XX/XXXX ) I mailed a phony backdated notice on XX/XX/XXXX 
We found ot that the card did not work in the supermarket when trying to purchase medicine for my father. 
Chase has ignored all of my e-mails and letters to the branch, to CEO XXXX and to the manager in XXXX. 
Chase has also failed to return me XXXX ( XXXX XXXX ) as a matter of principle as interest for the month of XXXX XXXX which came due after I had to wait for 2 hours to get my money back from the bank
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

i did a modification with Ocwen loan servicing in XX/XX/XXXX which was approved, my husband sign the letter sent in back next day, i received a phone call stating i use white out on the form and need to redo it, i was sent another one a few days later which my husband sign again and have it notarized, we were contacted the second time saying they need both husband and wife signature on the document, i respond in writing that my husband name alone was on the loan and there was not a place for me the wife to sign on the form, i was told to just go with my husband the 3rd time to the notary and give my Id and have them state that the signature was mine and my husband which we did, i was then told a month later that the loan was sold to XXXX so they ( ocwen ) would no longer be taking my payment ( which i was making every month ) .... i ask ocwen for the contact information for XXXX because i never receive a letter or any documentation for the sale of the loan to XXXX, and no call or contact from them either after calling them for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) they took 2 months payment and say they need direct access from my bank for payment until i am in their system, which i still have to call them every month to remind them, until XX/XX/XXXX i was told by XXXX that they have no documents from ocwen to prove i got a modification and they can not received any more payments from me, during XX/XX/XXXX when i start making payment to XXXX, ... ocwen start filing foreclosure on the house which did not make any sense to me and i did not know what to do i then hire a company to safe my house XX/XX/XXXX then XX/XX/XXXX without much time or notice they sold it to XXXX XXXX and told me i need to move within 24 hour, they are not truthful about the whole thing, i have bank statement to prove i was making payments until XXXX stop me, please help me
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: PNC Bank N.A. (MI)

Me and my wife settled our dispute for my second mortgage with the PNC bank in XXXX XXXX 2017 because I paid the amount that I was asked to pay and I received the attached letter from the bank but the bank kept sending information to the three credit berus instead of terminating their report. We are trying recently to refinance our first mortgage to reduce our monthly payment but we could not because the requested companies are seing this problem on our credit report and they are considering the settelment with PNC as a disclosure on the house. I called PNC Bank and they refuse to help me and they told me to contactThe federal trade commission and they recorded my conversation with them. I need them to remove this problem from our credit report and stop sending any information to our credit report. I talked to FTC ( XXXX XXXX on XXXX ) today and I was advised to file this complaint against PNC, Thank you for your help. 

XXXX XXXX and XXXX XXXX, XXXX, XXXXXXXXXXXX