davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (FL)

The Vehicle from original creditor, Bridgecrest ( XXXX XXXX XXXX ) was repo 'd in XXXX. I never received notice that the vehicle was sold nor what the remaining balance was after it was sold. Bridgecrest THEN sold my information without my knowledge to a third party ( XXXX XXXX XXXX ). The account has been reported as a charge off and NOT a repo. It was repo 'd and I do not have the vehicle in my possession. Also with the vehicle being reported as a charge off, the third party company is reporting it as an open collection account. How is it open, but reported as a loss/charge off? XXXX XXXX XXXX has also pulled my credit report on multiple occasions without my permission. They have also failed to provide me original documentation on the purchase of the debt and my original contract. Bridgecrest is a predatory loan servicer conducting illegal business and sells your information post repo after claiming a loss on their taxes. So they have also conducted tax fraud. Also in the month of XXXX ( XXXX ), XXXX XXXX XXXX falsely reported my account as 120 days past due. The vehicle was repo 'd THEN charged off in XXXX.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I received a letter from Wells Fargo regarding my online account access on XXXX XXXX, 2016. My accounts at Wells Fargo were losed and I do not have any online account access. I do not trust my information or reords were safe or up to date with the bank.
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of their inquiry removal and reinsertion without a 5 day notice reinsertion letter per FCRA. 

The following inquiries were reinserted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MN)

I opened a savings account XX/XX/XXXX for {$25.00}. They said if I had {$100.00} in the account in 3 months I would not be charged the {$4.00} fee. I had {$100.00} in on XXXX XXXX, and on XXXX XXXX they charged the fee. If they do this on me, how many others are being cheated each month. I would like the looked into.
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2016, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their XXXX bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo XX/XX/XXXX. The branch manager, XXXX XXXX, passed my file to XXXX XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the associations coverage. I made it perfectly clear that I do not want to pay any more up front fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check and was charged both fees on XX/XX/2016 and XX/XX/2016. On XX/XX/XXXX during the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominiums XXXX bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund me.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or about XXXX/XXXX/2016 I applied for a rental property through XXXX XXXX XXXX. They use this company e-renter to compile background and credit information. I was advised by XXXX at XXXX XXXX that this company provided a credit score of XXXX back to her when the required score is XXXX. I have paid XXXX monitoring and KNOW my XXXX score is/was greater than XXXX at the time of inquiry. I contacted XXXX initially on XXXX to inquire as to how the came up with the score they provided. I was told it was gained from Transunion. I contacted Transunion who in turn told me they did NOT provide a XXXX credit score to this company. I contacted e-renter again who advised me to submit an inquiry through their email support XXXX XXXXXXXXXXXX ) which I did. I have followed up on XXXX/XXXX/16 and XXXX/XXXX/16 and have yet to receive a resolution to this issue. I am just being told " it is with Transunion and as soon as they respond they will let me know ... ''. This is NOT an acceptable response. It does NOT take a month to resolve this type of issue especially considering my ability to secure housing has been affected by this company 's error. I guess they believe it is ok to play with people 's livelihood. Well it most certainly is not! I have documentation of every correspondence between myself and this company if needed. I have since filed XXXX complaint # XXXX and received the following response : e certainly understand the concerns of timeliness. We did, however, reply to you that we believe this is an error on the part of TransUnion and encouraged you to open a dispute directly with TransUnion. The score we received from TransUnion was XXXX at the time the report was pulled. TransUnion was unable to confirm for us, after lengthy back and forth, that the score was NOT XXXX - they confirmed what they sent us was accurate. If they told you that it was different, the only way to resolve this is for you, as the consumer, to dispute this information directly with TransUnion. We do not modify what TransUnion sends us in any way. 
I have documented proof and submitted this documentation that my score at the time the info was pulled was greater than XXXX. These people ca n't just play XXXX with your livelihood then shift the blame back and forth amongst each other.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HMSV Financial Services, Inc. (CT)

I applied for a home refinance through Connecticut Home mortgage. Connecticut Home mortgage merged under the Home Services Lending on XX/XX/XXXX. All my paper work and appraisals were done on time. The lender, XXXX, delayed the underwriting for over 3 weeks and now will not honor the rate lock. I need someone to resolve this. The mortgage company one month later wo n't issue a commitment letter or denial but I received a call that the will not honor the rate. I received a call from the Branch manager today, XXXX at Home services lending who recommended that I file a complaint with the CFPB to get the Bank to honor the rate lock.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was closed by me in the year 2009 it is over 7 years old.. It has a {$0.00} balance I have disputed it several time to be removed from my credit history ... Saying it is past 7 years and a {$0.00} balance and they still will not remove the account. Something need to be done please. 
They are doing this with multiple account on my credit history.. This is just few example. Another is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Closed in 2009 XXXX Closed in 2009
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (FL)

I wrote a letter to Target asking the company to provide me proof of my written signature. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I was scammed by a person named XXXX XXXX who was working at a XXXX XXXX store in XXXX XXXX Florida on or about XXXX of 2013. He promised to provide me with home wireless phone service and wireless internet service. He asked if I had a home security system and I told him yes.He gave me a box with the system. I gave him over {$400.00} total. The system did not work. I was without phone service for about 3 weeks. After contacting him many times I learned this system would not work with my wireless security system. He came to my house and messed with my security system and XXXX XXXX XXXX phone box and took a picture of my XXXX form that was laying on my desk. I returned all equipment and received a receipt. I had NO service at all from this source. He did not refund my money. I have gotten a bill for {$480.00} from XXXX. I have talked to XXXX representatives 3 times and told the account with XXXX would be closed or did not exist. Now I find that an account has been reported to a collection agency and listed as deliquent account with at least Experion. This was a fraudulent transaction from the start as I am sure this person knew his service would not work with my security system. He scammed me out of several hundred $ and is now trying to get more. I will make a report to the local sheriff office and I have again contacted XXXX who said they would investigate again. Meanwhile the false report is still on my credit report. I am a XXXX XXXX XXXX XXXX woman who has no one else to depend on.I do have documents to support the money I gave this person and XXXX can verify the lenght of time I was without phone service.
Consumer complaint received 2015-08-14
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (KY)

I was in a trial plan which I successfully completed and was offered a permanent modification which I did accept. I filled out all the documentation exactly the way the lender wanted it and had it notarized. I sent the packet back to the lender and that is when things started falling apart. First they said they could not approve the document because I signed my signature wrong on the paperwork. ( I signed it exactly as it was typed on the paperwork ) The lender said that I should have used my middle initial but the documents did not have my middle initial on the signature line. I saw this as an excuse to delay the modification. Then they said that they did not see the whole notary seal. It was embossed on the original paperwork so I am still not understanding what they need. ( A seal is not a requirement in the XXXX of Kentucky ) The scary part is that they would not accept my payments, I did not want to lose my modification so I ended up mailing the XXXX payment and it did finally post to my account on XXXX XXXX, 2015. We have done everything they asked us to do, we completed the trial phase and filled out the permanent documents and returned them in the correct amount of time. Now, it seems like they are nitpicking any excuse not to finalize the documents and during this time they are still adding late fees and drive by fees to keep us further delinquent our account. we were also given the opportunity to take advantage of their incentive program which we have every intention of taking advantage of but with how they keep us delinquent and late it could possibly kick us out of the incentive program.
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (TX)

XXXX XXXX XXXX XXXX XXXX has sent XXXX letters threatening with arrest for not paying XXXX citations issued by the XXXX of XXXX, Texas. I have never received any citation neither from XXXX or any other place. Said citations were issued to a person with a similar name to mine. I contacted the XXXX of XXXX after receiving the first letter, they asked my birthdate and was informed that the person receiving the citations had a different birthdate. I contacted the aforementioned law firm and informed them of that fact. Today, XXXX/XXXX/16 I received another letter threatening with an arrest and cancellation of my driving license.
Consumer complaint received 2016-10-27
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIRST HAWAIIAN, INC. (DC)

I was in the XXXX, so I opened a checking and savings account at First Hawaiian Bank. I maintained the account for about XXXX years, with periodic deposits and withdrawals. We left XXXX because of a XXXX move, and I did n't close the account. It had about {$400.00} or {$500.00} in it, and I had an auto loan through the bank, so I kept the account open when we moved. I did n't touch the account for a while, and when I tried to login to the account, I could n't access it/retrieve my account number. My mistake was that I connected the account to a XXXX email address, so I had no way of retrieving my account number. I called the bank to find out how to access the account, only to be told that I could no longer access it, and they were charging me a monthly fee to keep it open since it was n't in use. I asked how to close it. They said that I had to mail a letter with my name, XXXX and current address requesting that they close the account and mail me a check. I mailed one letter, and checked back a few months later. They said that they had never received it. I mailed another letter, and they rejected it, saying my signature did n't match closely enough the signature I used when I opened the account. After pushing continually XXXX multiple phone calls over the course of a nearly a year to a standardized customer service number ), I finally reached someone who could help me and would give me her phone number to call and follow up on the situation. The account is now closed, and I received a check from FHB for the remaining money in my account -- but this process cost me more than {$100.00}.
Consumer complaint received 2016-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

I had a mortgage that was originated through Countrywide Financial XX/XX/XXXX. This mortgage was sold off to Bank of America when countrywide went out of business XX/XX/XXXX. Bank of America then sold my mortgage to a loan servicer by the name of XXXX XX/XX/XXXX. The problem is that I am being reported as having a late payment history by both Bank of America and XXXX congruently, on all XXXX major credit reports. This is incorrect information as obviously I did not have the same mortgage open with XXXX different lenders at the same time. Any mortgage repsonsibilities to Bank of America have exceeded the 7 year limit for credit reporting. Therefore, I request that Bank of America be removed from my credit reports with all XXXX agencies.
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: LTD Financial Services, L.P. (NM)

i XXXX l XXXX am desputing the responce machol johannes submitted to you on my complaint to you case no XXXX i recieved a letter from on XX/XX/XXXX XXXX they claim on the letter that the attorney 's on this case have reviewed and investigated MS.Trujillo 's comlaint and allegations.there are wrong, this are not allegations, this are facts, that iam asking for 3 monthes to tell me what this judgment is about, a loan, acard, acar loan, give me the proof, and we can start negotiateing or working something out and get this problem taken care of. before i loose my house, they just say you have a judgment against you and you us {$6.00} or XXXX, no body will tell me or give me proof its mine instead of all this sneeky stuff.it says here in this letter they reviewed my claims, i do n't have any claims, they reviewed my file, unless iam wrong the only thing on the file is, you have a judgment, filed filed in XX/XX/XXXX, and XXXX they reviewed the complaint eith there client, thats another thing i do n't know who the client is because i talked to advantage XXXX times yhey told me they no longer involved in the case,, then they claim they send a copy of judgment on XX/XX/XXXX, i do not know any thing about that.then it says the return of service is not currently available. something wrong there/and then something about the consumer was sub served.XXXX accepted service XXXX XX/XX/XXXX, i do n't know where they got XXXX from, and thenthe sommons and complaint were mailed on XX/XX/XXXX. the first yime i heard about this judgment was about XX/XX/XXXX, and what i know i about this is nothing,? the next it says that i filed a motion to set aside judgment, they used that excuse to have another hearing on XX/XX/XXXX. then it states we invite ms.tocontact us but when to talk they did n't have all the info. E.T XX/XX/XXXX
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (GA)

I previously sent American Express a letter stating that I had extenuating financial circumstances regarding paying my account back in full and sent a letter back in XXXX stating that I can pay XXXXmth and sent a signed letter to the following fax # ... ... I did not receive any indication from them that they will charge me {$110.00} per month in late charges. It is as if this a retailiatory tactic being utilized to hinder me from lowering the amount due. I explained that my family is experiencing a financial and economic hardship and recently my youngest sister was hospitalized for 34 days in the hospital due to a XXXX and a XXXX XXXX XXXX XXXX. I am requesting assistance on the late fees as I have been paying {$100.00} per month on the account and had previously requested the option to pay over time before the closed the account back in XXXX based on some retailiation with my mother utilizing the account who also raised concerns to CFPB on another Amex account matter as an authorized user. We are experiencing a very difficult time financially as a family and I am requesting assistance regarding this matter.
Consumer complaint received 2016-07-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

My partner and I are the beneficiary of an estate and have inherited a home in FL. The property was fully paid for ( No first mortgage ). The owner had a Home Equity Line Of Credit available which has never been utilized in any way and has a ZERO balance due. The Decedent went to great lengths to create an estate that would not require any probate actions upon his death. He had XXXX outstanding debt and lived a simple life. Upon his death my partner and I as joint tenants on the deed took ownership of the home. 

In order to improve the property to lease it we have been approved for a first mortgage by XXXX XXXX. Chase bank is holding a lien for the HELOC and is refusing to close the line of credit WITH A ZERO BALANCE without a court authorized agent signing a bank required document to close the account. The cost of probate to appoint a court authorized agent will cost XXXX to XXXX XXXX dollars in attorney fees to have a line of credit closed. I have already spent {$330.00} for an attorney to send a letter explaining the UNREASONABLE BURDEN this arbitrary requirement CHASE bank is imposing on us.
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have been demanding to see verifiable proff ( an original consumer contract with my signature on it ) with it for MONTHS with the paperwork for XXXX card that shows up on my credit report. They have not provided physical verification of the original signed consumer contact. I have sent them several letters- certified, not certified, and also went to a notary public on some of my paperwork. I keep on getting this letter back from them!