davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC (VA)

Per the attached agreement I was to get XXXX on branch production plus XXXX XXXXXXXX on my personal production or I would of just given all the loans away and done no personal so I did personal loans and they said since I signed this I dont get paid on personal but yet they changed by bonus structure a week later to include personal - they owe me about XXXX dollars - didnt pay me at all on a XXXX XXXX loan
Consumer complaint received 2017-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MD)

When I saw there was a {$840.00} negative account on my credit report when attempting to purchase a house inXX/XX/XXXX, I notified the credit bureau that I was not aware of this charge on my account. Subsequently the creditor ( Midland Credit Management Inc. ) sent me a response on XX/XX/XXXX stating that they were unable to determine the nature of my dispute and denied that their records were incorrect. Phone calls continued to come to my home phone, letters requesting payment of the debt and eventually they filed a lawsuit against me. My only issue with this all is that they expect me to pay for a bill that someone from Mississippi made. I have never lived in Mississippi and do not know anyone who lives there therefore did not feel I was obligated to pay this debt. My court date has now been set for XX/XX/XXXXand I have to put time and money into a debt that I did not make. Can you assist?
Consumer complaint received 2017-02-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

I recently applied for an unsecured personal loan for the purpose of paying off revolving debt and lowering the interest rate on an outstanding personal loan. I did the application online and was approved based on the information provided as well as information obtained from my credit report with an unsecured loan amount {$12000.00}. Once I got in touch with someone at the local level I was offered a secured loan of {$31000.00} against my XX/XX/2015 XXXX which on the resale market is only worth {$8000.00}. I did get an approval for an {$11000.00} unsecured loan, but after further review on my end I restructured the payoffs to put myself at a better financial advantage in the long term. However, after I restructured I was told that the unsecured loan with the better savings was not an option. During this process I referred a co-worker to the same company who was told that they do NOT do unsecured loans for more than {$7000.00}. There is something going on with this company. The amount of back and forth and miss-information that I was given is unacceptable. I myself am in the lending industry and know there are rules and company policies. But when I restructure a loan on my own with the same dollar amount that I was given originally and all I 'm changing is the payoffs with a higher monthly savings by more than {$100.00} and the underwriter says no that 's too risky, makes me feel like their intention is to make me default on my loan. All I did was change payoffs, that 's all.
Consumer complaint received 2017-08-25
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. (ND)

I am a victim of identity theft. The following XXXX credit card account listed on my Trans Union, XXXX and XXXX credit report, is fraudulent and someone made fraudulent transactions using XXXX credit card account : XXXX.
Consumer complaint received 2017-08-25
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. (MN)

I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX,XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2017-08-25
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. (MN)

I am a victim of identity theft. I have a fraudulent account and hard inquiry listed on my XXXX XXXX and Experian credit report that do n't belong to me. The following account and hard inquiry is fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On my credit report they say I owe over {$17000.00} in child support that a lie i jave proof i was paying my child support I have my check stubs to proof it
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc. (TX)

A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.
Consumer complaint received 2017-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC (NJ)

Lyons, Doughty, and Veldhuis P.C. FAILED to answer the information I asked from them to validate the alleged debt. They instead sent me some papers which were never received at this residence that were photocopied as their " proof ''. 

This debt collector also stated that I was not allowed to ask for a debt validation because it was past 30 days. Thats incorrect and is a simple scare tactic they are using thinking that I do not know my rights. 

Debt collector ran my name, SSN, and other important/personal information through the US Dept of Defense without my knowledge OR consent which is ILLEGAL.
Consumer complaint received 2017-02-22
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (IL)

I am a victim if ID Theft someone called as it was me and had {$1100.00} transferred to a XXXX in XXXX WI netpend states they are no error I informed them that was not me I was a victim of ID theft and needed my money returned they are refusing to give me my money back I have been a customer for 9 years
Consumer complaint received 2017-02-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I made an appointment to refinance my home with XXXX Home Mortgage consultant with Wells Fargo home mortgage XXXX California. our appointment was for XXXX when I arrived I was in her office less than five minutes when her personal cell phone started ringing it ring four or five times in the middle of our conversation she said if I do n't take this call they will just keep on calling she picked up her cell phone and started XXXX very very loud I waited a few minutes and then I told her I was going to go because she seem to be too busy when my hand touch the door she replied okay goodbye I have been a Wells Fargo customer for 20 years I have never experienced such rudeness from a Wells Fargo employee I would like to bring this to the attention of someone who cares about customer service thank you
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

Ditech made several mistakes on my account in the month of XXXX, including extorting an extra payment because they were refusing to cash a check. As soon as they received the extra payment, they cashed the check, essentially getting a double payment. They credited the XXXX payment towards principle. I can not afford to make principle payments at this time, so I asked for a refund of the principle payment. I was told by customer service that it would be done and it still has n't.
Consumer complaint received 2023-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc. (MO)

Agency claims debt is owed from a service in Colorado in XX/XX/2020 and I did not live in Colorado at this time. Debt is not mine. Debt was disputed with XXXX and XXXX and removed from report as it was found to be invalid. The agency is continuing to pull my credit report as hard inquiries with XXXX. I have contacted the collector and disputed the debt with them as well, but they continue to harass me and impact my credit with hard inquiry pulls despite the debt being removed.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2017-02-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Our loan has been mismanaged from the beginning. The loan was acquired XX/XX/XXXX as a XXXX XXXX Pick a Pay mortgage through Wachovia Bank. At the signing of the mortgage they said our mortgage was wrong and need to be fixed ... they never fixed it ... we called and they were n't available, would n't return phone called, etc. XX/XX/XXXX-XX/XX/XXXX our mortgage company even though they held the escrow said they did not collect and came to us XX/XX/XXXX demanding a XXXX +escrow payment..our loan then spiraled out of control and we have been try to fix from the beginning. We were part of the Wachovia pick a payment class action lawsuit XX/XX/XXXX Class XXXX and they where suppose to dissolve our loan but that has set to happen even those they were ordered by a US district court judge to do so.There are tons of others in this same situation. We have been trying to refinance our loan since XX/XX/XXXX to no success due to no one wanting to touch our loan because of how messed up it is. We have never missed a payment, but every year our mortgage is always short and the bank cant explain why or where the money goes. We have tried and tried to work with them but they are unwilling to do so. We do n't want to loose our home due to the bank being at fault. Our loan is in its current state because of their negligence and we are asking for your help in this matter.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Hello there, It all started with a fraudulent charge on my credit card, I file the claim with Wells Fargo and requested a refund, finally I got that taking care of, but the waiting was very unpleasant with Wells Fargo customer service, the fraud and claim departments. These people behind the phone, only provide first name, please investigate this bank deeply, today I will close my accounts because they are threatening me to close my accounts if I do n't provide a Social Security Number, this bank was the one who opened a credit card and wanted me to do business with them. They are threatening because I submitted the claim of those charges. 
When I called I started a log because some calls were very unpleasant, poor customer service, they put me on hold, they hung the phone on me as well. 
Every time I called I was give information to wait, or they transferred me to other departments and they hung the phone on me. 
I have a few names of those customer service representatives from Disputes or Fraud or customer service offices that really need urgent training. 
I was treated really bad, not a care for my dispute and wasting my time with vague answers. 
Wells Fargo Card Services, XXXX XXXX, this man keep sending me emails with no real answer and ignoring my requests. This man never provided the last name but you can see in the attachment what he was doing. I even this there is bad intentions to cause distress. 
Wells Fargo Online Customer Service, XXXX XXXX, this woman asked me information about my issue with Wells Fargo and never responded, never follow up, instead she sent the email to XXXX XXXX the man, mentioned above. 
Wells Fargo XXXX Speaking representative, XXXX, this man, I beg him for help after being hung up a few times, this man, put me on hold for 25 minutes and then hung the phone. 
Yesterday, I received another letter that unless I provided my TIN or SSN they will close the account and penalties will apply. 
I have done business with this bank for about 14 years, not the best of experiences, they are the ones who sent the option for a credit card, and now this. 
I believe they want to bother me because I disputed those charges from my account. 
The first letter came from a XXXX Manager, Wells Fargo Risk Operations XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Can you please investigate this bank. 
Thank you XXXX XXXX
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (VA)

Seneca Mortgage is now refusing to pay the invoice for my condo/homeowner 's insurance. XXXX mailed the annual statement in early XXXX, as they always do. They were upset last year when Seneca Mortgage paid them almost a week late and one week After the policy expired. Per XXXX, Seneca Mortgage has always had problems paying the debts of its customers on time. This is unacceptable. 

Seneca Mortgage is now putting my safety, the safety of my home, and my financial future in jeopardy. I believe that they are intentionally not paying the invoice as retaliation for filing a previous complaint.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There is a loan that is being reported on my credit report as CHARGED OFF but the lender has been garnishing my wages. Every two weeks they are deducting a payment of {$380.00} from my paycheck but they are reporting the account as a charged off account. I spoke to a lawyer and I was told that after the account is charged off it should be reported at {$0.00}.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I paid my car off on XXXX XXXX, 2017 with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Log on to web site to pay my home loan amount due was {$1200.00} when I chick to pay XXXX XXXX said I had to pay {$2500.00} and would not accept XXXX payment of {$1200.00} when I tryed calling sls loan sevice XXXX to pay was tranfed to collection dept and I could never get someone only voice machine left over 10 messages when finally got some one 3 days later they assured me all was well and I would not be reported to credit XXXX but I was thanks
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I paid my car off on XXXX XXXX 2017 with XXXX XXXX XXXX.
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}.
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days.
Somebody please help me im at my wit 's end.
Someone please do something!!!!
Consumer complaint received 2017-08-25
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. (NY)

I paid my car off on XXXX XXXX XXXX with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!
Consumer complaint received 2017-08-25
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. (LA)

This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX I discovered that XXXX XXXX account number XXXX opened XX/XX/XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.
Consumer complaint received 2023-09-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IL)

In XX/XX/2023, I received a letter from " CCS '' to collect some debt that I did and do not recognize as something I owe. The same day I faxed them a debt validation request and got a notice that fax was successfully delivered to their posted fax number XXXX. However, it is not XX/XX/2023, and I still have not received debt validation information and I noticed they reported the collections to a credit reporting agency without ever notifying me or validating the debt.
Consumer complaint received 2017-02-21
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

Made a {$19.00} fuel purchase at a XXXX. A hold came on the account for {$150.00}. 

Called XXXX cooperate they had already completed the transaction. 

Called my bank, they said merchant has to release the funds. 

Conference merchant in with Account Manager for Amex. 

Stated could n't and would n't release the hold cause they do n't know if the merchant took the funds. ( Merchant offered to fax over confirmation ) Amex refused. HOLD still remains. 

I have {$0.00} as a current total balance. They have my money.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.