davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I am a customer for Wells Fargo customer for the second and final time. I have spent a total of 5 hours in the XXXX XXXX XXXX office trying to resolve my deceased fathers accounts. The manager XXXX XXXX was out on vacation today. Unfortunately, I was being helped by someone name XXXX. She was not familiar with the process. Between her and the legal department things went from bad to worst. She was trying to have a conversation with me and the legal department at the same time. She could n't seem to get my name right not once. I was given the wrong forms to fill out. After she notarized them she realized they were all wrong. Although the process was lengthy the first time XXXX XXXX, 2016, it was handled professionally. 
I could no longer continue business with such a unprofessional person ( XXXX ) so I left to deposit and cash a check for my personal account, on the teller side. Well things on that side was no better.. XXXX XXXX proceeded to tell me, very hostilely that it would be a {$10.00} fee for cashing a Wells Fargo cashier check and issuing another one minus XXXX. So, I stated I wanted to cash the entire check and take the cash. He then stated, " that was not possible. Wells Fargo requires a 3 day notice for cashing such a large amount ( XXXX ). I asked him to wave the fee ( as they always did ), he again stated very hostilely, I will wave it today, for the last time. I really do n't think I need to put up with such poor attitudes and lack of employee 's knowing banking policies. I did however receive excellent service from XXXX. What she did n't know, she kindly stated that and politely found out the correct information. I have never, never received such poor service from this particular branch. In the future if XXXX XXXX is out, another person besides XXXX need to cover as a Manager. Their are other qualified and professional staff members that can maintain excellent customer service. There was no one to greet the customers and I sat for XXXX min. before I reached out for someone for help. XXXX XXXX XXXX walked right by me and placed another customer before me. That is when I spoke up. I will not be returning to this branch. As soon as my check clear I will be closing my account at Wells Fargo for the last time.
Consumer complaint received 2016-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (CA)

I moved back to the US in XXXX after living in the XXXX for 6 years. While in the XXXX the Dept of Education refused to accept payment on my loans so I could not make payments even though I regularly called and begged them to take my money. That added up to a LOT of fees and interest that I do n't believe I should have to pay because it 's not my fault. I tried to pay them, they just would n't take it because I did n't have a US bank account. I offered to pay in a number of ways, they refused. Now I 'm stuck with a huge amount of additional interest and fees and a shattered credit score. The XXXX told me to talk to my loan servicer once my loans came out of rehab with a collections company. I just spoke with Great Lakes and they said there is nothing they can do.
Consumer complaint received 2016-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

DIVERSIFIED CONSULTANT XXXX has called me many times stating i will get a arrested if i do do n't pay this debt that i do not owe. they evn told me they had a cop outside my house as we speak,, They have called my work phone n my house phone and even harassed my XXXX XXXX XXXX daughter when she answered the phone. i was told i would go to jail if i dont pay this debt. This debt was for XXXX. XXXX is the one that cancelled my contract due to me not ever having good service and calls dropping constantly. I complained each month. I returned all XXXX cell phones and paid my last bill i was told i would not owe a thing and now XXXX has sold this made up debt to DIVERSIFIED CONSULTANT and they wont stop harassing me. They have this debt ob my credit report as being opened in XXXX 2015 which is false that inaccurate information.
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

On XXXX XXXX 2016, we received a new statement for XXXX XXXX 2016 from Ocwen Loan Servicing. This statement reflects that Ocwen has raised our payment from {$690.00} to {$720.00} per month. Our modification agreement clearly reflects a 2 % interest rate. Our statement on XXXX XXXX 2016 from Ocwen clearly reflects that they were putting {$300.00} towards the principal, {$240.00} towards the interest and {$140.00} towards the escrow for taxes and insurance, totaling {$690.00}. Per our XXXX 2016 statement, Ocwen is charging us {$300.00} for principal which is more than previous, {$240.00} for interest and {$170.00} for escrow which is more. Now, several days ago I contacted Ocwen Loan Servicing regarding this issue. I asked them to send me an annual escrow account disclosure statement. On XXXX XXXX 2016, we received this statement. Please refer to scan # XXXX. Ocwen reflects on this escrow history the amounts paid into the escrow. The issue is, we have paid two months in advance, per our statements. The escrow sheet clearly reflects that Ocwen received the last escrow payment in XXXX 2016 and nothing in XXXX, XXXX or XXXX 2016. With this information provided, we should not be short in our escrow account because our insurance is not due until XXXX and our taxes are not due until XXXX 2016. This means, we should have more than enough funds within our escrow account to pay out taxes and insurance when they become due. Ocwen did not need to raise our monthly mortgage payments due to there mistake! If Ocwen Loan Servicing can not service this loan correctly, then we should be allowed to pay our property taxes and insurance ourselves. There is nothing with in our modification agreement nor our original loan documents that reflects that we are not allowed to make these payments on our own. Ocwen is clearly un-professional and Ocwen must allow us to pay our taxes and insurance ourselves.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX says I already received a free credit report while I did not. I went through XXXX and their site gave an error, stating technical difficulties. I tried again and they say I already received it. FIX THIS and Give me my credit reports! 

Trans Union can not verify my identity. They ask what county I lived in in XXXX. They did not have the correct answer, though there was a county I lived before XXXX as one of the options. I picked None Of The Above. They did not accept it as the correct answer. But the correct answer was " None Of The Above '' as the only county I lived that showed up as an option was NOT the county I lived in in XXXX. Now they deny to give my free credit report. 
You can not ask me to take extra burden to receive my legal free credit report online. Fix this and Let me access my free credit report online ASAP. If you do not, I am taking all of you to Federal Court.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XX/XX/XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$15000.00} Late/Open
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CMRE Financial Services, Inc. (CA)

I have not received a resolution.. I have been in contact with CMRE Financial ( XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company placed information for my ex husband of 16 years on my credit report. I was told I had to provide divorce papers to have this taken care. The Notice of Entry of Judgement was emailed to them on XXXX/XXXX/16. I have been in contact with them numerous times and this still appears on my credit report. I did not received a letter stating they were taking it off, as they stated I would. Upon calling I was told it was mailed. I have now received a bill from them in my ex-husbands name at my adddress! They changed his address to mine. Now the CMRE states I MUST give them my SS # in order to get the letter sent to me. It was never mailed out. They do not need my SS # according to my attorney. They did not need my SS # in order to put this on my credit report. I want this removed from my credit report from all three reporting agencies immediately and I want the bill changed back to his address. I am getting no where with them and then when you become upset, they just disconnect you. I have called them six times and can not get a straight answer. A supervisor will not get on the phone and will not return the call. I do not know where else to turn short of taking them to court. I do not understand how they can just put something on my credit report, they did not ask for proof of marriage when they did. I have been re-married for almost 12 years now. My name is even different on my credit report. It should not be this hard to have incorrect information removed. I have filed disputes with the XXXX major companies as well. However it seems that I am doing all the work and getting no where. It was not my mistake and it should definately not be this difficult to fix it. I have no way to upload documents but I can email them to you upon request. I would appreciate any help you can provide.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

I have an amazon account and I opened an Amazon Credit Card account. Problem is you ca n't log on to make a payment without being redirected and then asked to log on again to a different website. I had constant issues logging into the third party website every time I wanted to make a payment. I was so frustrated just trying to make payments I decided to close my account and would have expected when I clicked the close your account option over the phone, it would have required you to pay and close the account. Nope it just closes your account. Then I tried to make a payment using my Credit Card to pay the entire amount off and it wo n't accept a credit card payment nor would it allow me to reopen my account. No way should it allow you to close your account without informing you of your closing balance and stating the only way to pay off the balance is via a checking account. I would NEVER have closed the account had that information been provided prior to the closure. I would have simply remained making the payments however troublesome making them were. Now I will be forced to pay the entire amount at once. I believe they make it difficult purposefully.
Consumer complaint received 2016-03-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I went to the bank XXXX/XXXX/2016 and asked why my debit card is blocked. Representative took my debit card information and said that I took XXXX dolars from ATM and my account is overdraft. I said that I did n't do it and XXXX XXXX helped me file a claim about fradulent activity on my checking account by phone I was talking with person from Card Claims Team ( XXXX, MA ) who said that the fraud was exactly from my card in the Santander ATM in the XXXX, New York on XXXX/XXXX/2016. I did n't leave my room XXXX/XXXX/2016 because I had a flu, so I was in the XXXX XXXX, XXXX. Santander Bank refunded XXXX dollars to my account plus they refunded overdraft fees which they charged me. I thought that everything is okay now, so I did n't go to the police with it in the XXXX. In the end of the XXXX I got the letter that bank denied my claim and want me to paid XXXX dollars plus fees. I called them in emotions and explained that I did n't took the money. I believed that they will take care of it. XXXX/XXXX/2016 Santander Bank, XXXX MA charged me XXXX dollars and I got the letter that my account is charged. By the phone bank worker from Card Claims Team said that I had the card which was a crime and suggest that I gave my card or PIN number to somebody. I went to the bank and XXXX XXXX said that he ca n't help me, because decision against me was made in the XXXX, MA and the only way is the case in the court. He also said that it will cost me a lot of money for attorney. I felt bad after it because I am not rich as a Santander Bank, but I just wan na justice as a customer. I also heard from XXXX XXXX that I am not the only person who has money missing from the account in the Santander Bank, New York. I went to the police and they said that at the moment I should have a case against the bank in the court, because they ca n't make it report after bank investigestion. Every few days bank charged me extra XXXX dollars fee. My account is overdraft. I got the information that I have 35 days to pay everything or they will close my account and I will have bad credit score. From the beginning of this situation I felt discriminated because of my immigration status by the bank workers. They have a lot of my informations and they asked me about my passport information by the phone. I am a victim of XXXX so I will regulate my XXXX in a diffrent way. I felt totally bad because of my hard life situation and Santander bank make it even worse. I swear on the Holy Bible that I did n't took XXXX dollars from the Santander ATM and I did n't give my PIN number or credit card to anybody. Please help me.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I looked over my credit report and discovered some credit card accounts that are not 100 % accurate and information that can not be confirmed in any manner! I now understand that it is illegal for you to submit any information, data, credit cards, or collections that do not appear to be entirely true. These rules safeguard both myself and other consumers. Within These fraudulent ACCOUNTS on my credit report are a serious violation of not reporting an account 100 % accurately. For these violations, I can sue EXPERIAN XXXX AND XXXX. The Fair Credit Reporting Act states that everything on my credit report must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ).
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NY)

After our loan was sold to roundpoint mortgage company, we received a letter requesting documentation of homeowner insurance. We faxed the documentation to the number provided on the letter. We soon received a second letter requesting same. We re-faxed, emailed, and spoke with a customer service representative who assured receipt. We just got another letter notifying us of a charge of {$7200.00} to cover costs of insurance because we failed to provide documentation of insurance.
Consumer complaint received 2016-03-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

My loan matured on XXXX/XXXX/15 but Santander Consumer states I still owe XXXX. They will not provide documentation as to the amount after multiple requests. They are predators and now I am filing bankruptcy chapter XXXX.
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

I am XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of both identity theft and XXXX XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXXrelated debt bondage, which qualifies as XXXX  under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiries listed XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XXXX XXXX