davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MA)

On XX/XX/XXXX I deposited {$19000.00} ( consisting of 31 checks ). In XX/XX/XXXX I was advised by one of the payers that her check had not been cashed. I looked at my bank statement and noticed that the entire deposit had not been recorded. I tried to call the branch, but learned that there was no current manager, and was told to call the main number, which I did. The person there told me that I should speak to the branch, and then transferred me to the incorrect branch. I reported the incident to the XXXX XXXX XXXX  and immediately received a reply from XXXX XXXX, of the president 's office, who acknowledged receipt of the deposit, but could not tell me what happened. It has been over a week, and I have not heard back from the bank. Apparently, they have lost {$19000.00} of my money.
Consumer complaint received 2023-01-23
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. (MI)

Complaint # XXXX was created and sent to XXXX  XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information pertaining to XXXX  XXXX must be deleted from all consumer reporting agencies immediately.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (MI)

Complaint # XXXX was created and sent to XXXX  XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information pertaining to XXXX  XXXX must be deleted from all consumer reporting agencies immediately.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

In XX/XX/2022 it was an excellent time to open an account with Wells Fargo. I had checking, & savings linked, but on the XXXX of that month. I deposited a check worth {$9700.00} someone bless me with, the only problem my name wasn't spelled right, and XXXX claimed the check was made out of rubber. On XX/XX/XXXX my account was closed due to this issue of matter. I can't do any kind of business would like to sue for everything plus interest. XXXX bad, and good news about this financial industry. I personally wanted to give them a chance because the co-founders started out in California. The state I love and missed so much on an everyday basis. Finally, & this is the thanks yours truly receives back awful!
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau.

The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding XXXX XXXX and XXXX of XXXX
Consumer complaint received 2020-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (OR)

I am writing today because I just received a latter from my lender about the covid 19 relief program and after reading it I am furious with the way most lenders are handling this problem!!! We are forced to quit working by our Government stay home and make income but then the banks are going to make people make LARGE BALLOON PAYMENTS at end of their so called relief programs??? HOW IS THAT HELPING???? This is criminal and I can't believe anyone thinks this is helpful!!!! The banks are going to take people 's home 's from them when their own Government was the cause of the financial hardship!! We the American people need help not theft!!
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is calling me about a debt I was completely unaware of having. The bills and debt collections were being sent to my parents address and not my address. My mother handed me a stack of mail that had all of the bills from the originator and the letter for the debt collector which I am wanting to dispute. I am happy to pay the debt but would like to have this removed from my credit report due to the bills going to the wrong address.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Hello, I tried working with WellsFargo Mortgage for the longest time for a loan modification back between XXXX. I got laid off and it was difficult finding another job so I try to apply for a loan modification with the income that I do have. It was denied. The second time, I got a job but it was paying/salary was lower. I then again apply for the XXXX loan modification for a much lower monthly payment but it wasn't approve either. By the third time, I try to apply again for the another loan modification and again it was denied. 

I had to pay an attorney in the amount of {$45000.00} in an installments to file for bankruptcy to protect my home. After XXXX years long of continuous efforts, I work with the bankruptcy attorney to help with the loan modification and again it was denied. Even though, I try to maintain my payment to upkeep the mortgage along with the prior balances, it got snowball and went spiral into a higher balance along with interests and fees. With the bankruptcy filing, it was not helping me to resolve and able to keep my home to which I love very much. I need this home to be a home for my children to continue their schooling but without the help of Mortgage dept to help with the loan modification, I was not able to live but to do a quick sell to avoid foreclosing. 
I feel that the Wells Fargo Mortgage was not doing their job in helping me to avoid the pain/suffering of loosing my home and in the mean time it was the most stressful event ever in my life. I do feel that it wasn't fair treatment as I did try in so many ways to protect my home and only to find out that I can't save it. I do feel I was discriminated b/c my XXXX language barrier. 

I feel that I was not treated fairly and none chooses to help me in saving my home. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I had received an alert from XXXX XXXX and Equifax notifying me regarding a collections account sent in from 2 different light companies. One of the compnaies is XXXX XXXX XXXX which account was created on XX/XX/22 and got reported to credit bureau on XX/XX/22 with the amount of {$360.00} and then on same day another light company called XXXX XXXX which account was made on XXXX and sent to collections on XXXX for the amount of {$1000.00}. I did not live nor have I moved from the location I have been residing the past 6 years. and plus I have already report a same issue awhile back with another light company and it was 2 different light companies as well. Please see what can be done with this matter since new accounts are being created with my personal information and only to open up light companies.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I have been discriminated by HUNTINGTONBANK because Im of XXXX XXXX XXXX XXXX decent. 
On XX/XX/22 I received a checklist from XXXX XXXX, ( Assistant Vice President Small Business Relationship Manager # Business Solutions Team Phone : ( XXXX ) XXXX ) he asked me to submit : A professional summary, complete business plan with 12 MONTH financial projections, project costs, 2 year tax return, and personal financial statement. 
I submitted all completed documents by XX/XX/22, XXXX XXXX then reviewed and assured me all looks good, then submitted them to Underwriting. On XX/XX/22 Underwriting responded saying they needed an Id for verification, I forwarded my Id to XXXX. 

On XX/XX/22, XXXX requested additional documents such as, now 3 YEARS XXXX XXXX, and 20 % non- borrowed equity injection {$18000.00}. 
On XX/XX/22 I submitted the remaining documents, including bank statements. 
XX/XX/22 I received a call from XXXX saying that my application had been denied because the following : I have a felony, my credit score is XXXX and collections on my credit. 
This information is absolutely false!!! I have never had a felony on my adult record! ( For it is Illegal to investigate juvenile records ) My juvenile record has been expunged. My credit report was ran 3 times by Huntington bank which dropped XXXX, and I have absolutely no collections on my credit report. I actually just purchased a {>= $1,000,000} home 6 months ago so there is no way I could be in collections or have a felony.. Huntington bank is advertising loan programs to minorities and low income consumers yet deny the loans based o! lies! 
I believe this is a XXXX strategy to lower minority credit scores, and still appear to be a aid to our communities. 
Also, adding additional information as they see fit, not according to any rules or standards. This type of unethical business practice needs to be banned and prosecuted!
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I lost my home to foreclosure forced by Wells Fargo. They forced me into default over refusing house payments. Refused to allow a finance company I signed up with to escrow taxes and insurance and pay off taxes to Wells Fargo they stated they paid. They refused to modify loan saying XXXX XXXX would not allow it. That was because XXXX XXXX investigated and learned Wells Fargo had provided me with a predatory loan. XXXX XXXX forced Wells Fargo to buy back all their predatory loans sold to XXXX XXXX. Mine was one of them.I tried again for a modification knowing I had a predatory loan and could not afford a lawyer to help me get my money back or get a new loan.Wells Fargo sold my loan they had to buy back from XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. The new servicer was XXXX XXXX who pushed for fast foreclosures on discount properties sold by Well Fargo. Those properties and loans were those they had to buy back due to them being predatory and fraudulent loans. The victims are the homeowners who lost their homes.. Wells Fargo collected from insurance, XXXX XXXX and homeowners. The results were, I lost our home and to date am renting at high cost. I lost my investment of XXXX. Paid to Wells Fargo for a loan that was set to take my money and home by Wells Fargo who did enrich themselves, causing me complete loss and my family and I am still suffering from the damages. I have never been compensated by Wells Fargo for causing this harm to my family and i.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Fraud Type : XXXX XXXX : I was talking to a friend of mine on XXXX ( XXXX ). I had complete confidence in this person and she asked for me to send money to someone for her and she will pay me back. I believed this since she is an Au Pair and I did not know the banking regulations surrounding foreigners here, as the person pretending to be her said their XXXX limit was reached for the day. The person on the other end was very knowledgeable and accurately represented how she talks to me. The person hacked her account within 2.5 hours of when I was last talking to her. 

I sent 2 payments totaling {$420.00} to a XXXX XXXX ( XXXX ). I did not find out about the fraud until XXXX messaged me on another platform to tell me her XXXX was hacked. 

I have all of the screenshots of the messages from the hacked account to me and sent them to Bank of America. Also, I sent them the XXXX number and name of the scammers ( listed above ). They informed me after 3 weeks that they aren't refunding me because it was an " authorized transaction ''. It was not authorized since the attackers gained access to my friend 's account and impersonated her. I am filing a complaint Regulation E : Electronic Fund Transfers 12 CFR 205. If the scammers have a XXXX account, they are in the US and I am not sure why the bank can not investigate and have the scammers account shut down. Upon more research, the same hack & scam through XXXX has been appearing more frequently the past XXXX weeks, mostly in the accounts of people from XXXX XXXX or XXXX speaking.
Consumer complaint received 2023-01-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am trying to make arrangements to get a affordable payment plan with Select Portfolio Services. But refuse to do so. The debt was discharged XX/XX/XXXX. 
Select Portfolio have it and XXXX XXXX XXXX. Select is refusing to work with me. Yes, I had a hardship plan with them around XXXX. And I was still in harder hardship, couldn't pay my payments. I want to make some kind of arrangement instead of filing bankruptcy. 
My account number on the select Portfolio is XXXX
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (GA)

Radius Global Solutions has continuously called my cell phones. They usually ask who I am and when I will not give them my information until they identify themselves, they hand it up. Today they called and asked for XXXX XXXX and again played games. I have spoken to this company countless times, and even tried to reach their corporate office, and all I get is a run-around. 

It's obvious they are using free-to-search databases online in hope of finding this person but keep calling my number even though I told them to STOP... I have had my number since well before 2004 so I know this company is full of XXXX to say, the debtor listed this number. 

This is harassment .... My number is on the do not call list and I do not know the XXXX 's
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I HAVE SENT SEVERAL LETTERS TO THE CREDIT BUREAUS THAT THE BANKRUPTCY IS REPORTING INACCURATE AND SHOULD BE 100 % ACCURATE. THE DATE FILED AND THE COURT NAME IS NOT CONSISTENT AND THIS COMPANY REFUSE TO REMOVE THE ACCOUNT WHICH IS AGAINST FCRA LAWS. I HAVE SENT LETTERS IN XX/XX/2019, XX/XX/2019, XXXX, XXXX, AND XX/XX/2019AS WELL.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I authorized a charge to my Capital One Credit Card ( ending in XXXX ) of {$4900.00} by XXXX XXXX XXXX in XXXX, XXXX. The merchant claimed that this charge was for capital gains taxes for sale of my timeshares. In fact, this claim was a lie and I received absolutely nothing for my expenditure. I disputed this charge with Capital One ( XXXX XXXX XXXX ). On XX/XX/XXXX, I received a letter from Capital One stating that they credited the charge back to my account, but they needed more information from me. I supplied the requested information as best I could. On XX/XX/XXXX, I received another letter from Capital One stating that my dispute was rejected based on information supplied by the merchant and the charges were being reapplied to my account. They also said that I could continue my dispute by responding to the merchant 's documentation. I received this documentation XX/XX/XXXX. I provided a detailed response to Capital One which is included here as a series of attachments. These attachments detail the facts that the merchants documentation includes fabricated documents, one document includes a forgery of my signature and the hotel where the merchant claimed that I stayed has no record of me. My case was again rejected by Capital one even though my response clearly demonstrates that the merchants claims are fraudulent and without merit. All of the documents that I attached here have been provided to Capital One except for the document titled " Summary of Discussions With XXXX Supervisors '' dated XX/XX/XXXX.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Our mortgage since the beginning of our payments have always been for a total of {$780.00} Principal {$310.00} Interests {$370.00} Escrow of {$99.00} which only consist of paying XXXX insurance not property taxes which is way too high since we also have an HOA involved. 

The last time we got plumby issues in late XX/XX/2022 our insurance coverage XXXX only covered up tp {$4500.00} for over {$12000.00} of damages ( personal properties ). 

As of XX/XX/2022 They're now charging us an escrow of {$230.00} which means we are now paying a total amount of {$2800.00} a year for a XXXXXXXX XXXXXXXX XXXX XXXX home which is outrageous. Especially after the fact that they are providing us again the worse insurance possible when the dwelling and outside of the home is also covered by the XXXX. 

Well fargo is 100 % taking advantage by overcharging us for insurance.
Consumer complaint received 2020-04-26
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. (FL)

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.