davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (UT)

I`ve applied for a " Secured Card '' Credit Card service With the Wellsfargo Bank on XX/XX/XXXX ; It was explained to me by the banker on this occasion that this card will receive as a transfer from my checking account a amount of {$300.00} in 3 to 5 businesses day after I receive the card, but actually this happened the other way around, yesterday XX/XX/XXXX, the Bank charged me the {$300.00} already, I went to my mail box to check if the card has arrived and instead I got a letter from them telling me my information was still being verified, I called them and went to the branch to talk to the banker and I was told twice I got it wrong and that the process is charge first then send the card later, now, because they did that My account reached {$0.00} Today and I was left with nothing ; I asked them to cancel the card then and give my money back and I was told that this process would take 15 business day to reimburse me ; they also fail in confirming that the card was send, they only told me I " Should be good '' meaning I should receive the card in 5 Business Days because the money was already taken from me ; so long history short : they offered me a credit card charged me before I had it, won`t give back my money and I was left with a " Should be good '' answer.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TN)

Received Trial modification plan documents from my mortgage servicer The Money Source. The three Trial payments requested have been remitted by money order. Received final Loan modification package by mail. The Modified mortgage payment is more than the trial payments. I've requested a review of my escrow account because my homeowner insurance has been reduced by a substantial amount and the property taxes are incorrect they are over collecting for property taxes and Hazard Insurance. I inquired with he Money Source Customer service when would the trial payments totally {$3300.00} be applied to my mortgage, they stated they could not answer that question. Customer service stated they will not review by escrow account to correct taxes and insurance for the correct amount. I was instructed was to sign the final Loan modification documents even though the mortgage payment and escrows are incorrect. I don't want to lose my home but I don't want to sign the incorrect modification documents. Since my loan is and FHA loan did The Money Source submit a claim against my private mortgage insurance. The Money Source Customer service has been rude nd unwilling to answer questions and assist me with retaining ownership of my home. 
See Attached documents
Consumer complaint received 2024-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (PA)

Original request to cancel PMI was in XXXX, XXXX via account website. My principal balance reached 80 % of the original value of the property for cancellation, my loan was current, payments were all in good standing and no liens on the property. I asked if there were any additional steps necessary to fulfill this request. 

Letter received from Newrez on XX/XX/XXXX saying my request was denied and listed XXXX possible reasons why without explanation of which XXXX or further steps to take, as we had met all requirements they listed. I called customer service, on phone for an hour ( spoke to XXXX ), was told a supervisor would email the information I requested ( the supervisor was too busy and not able to speak to me ), and I never received the email nor any follow up information. 

I sent a correspondence on XX/XX/XXXX requesting a broker price opinion to get the current market property value to cancel PMI based on that and what steps were necessary to follow my request. I have yet to receive a valid response. The responses I have received : Letter received on XX/XX/XXXX stating who the owner of my loan is, on both XX/XX/XXXX and XX/XX/XXXX letters received stating due to the complex nature of my request, Newrez requests additional time to respond. 

So for an additional XXXX months following my second request utilizing a XXXX, it is now so complex that Newrez continues to need additional time? My brand new construction home was purchased in XX/XX/XXXX. My original loan amount was {$340000.00}. My principal balance as of XX/XX/XXXX statement is {$260000.00}. What is so complex about that? 

In the meantime, Newrez continues to collect my PMI every month as they continue with generic letter responses that they need more time.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2018-12-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (TX)

In XXXX I was contacted by XXXX XXXX XXXX, a collection agency representing TD Auto finance, regarding a debt owed. After several conversations with a representative at XXXX I was able to come to resolution that would satisfy the debt in full. On XX/XX/XXXX I paid the agreed upon amount of {$5000.00} and received correspondence from XXXX indicating the debt had been satisfied however TD Auto finance is still actively collecting on this debt. I have attempted to contact TD Auto finance but I am being referred back to XXXX as two entities can not collect on the same debt. XXXX is unable to assist me as they show the debt as paid in full. I am requesting relief/assistance from the CFPB as I no longer owe this debt.
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I was wrongfully accused of charges related to my lease at XXXX XXXX XXXX, XXXX, IL, for the period beyond XX/XX/XXXX. According to the leasing agreement, the lease was scheduled to end on XX/XX/XXXX, and I provided the required XXXX advance notice of termination by sending an email in XX/XX/XXXX. Although my brother, who was residing at the property, vacated the apartment in early XX/XX/XXXX, I understand that this does not extend my liability or any charges beyond XX/XX/XXXX. 

The leasing office informed me that notices to vacate were not accepted between XXXX and XXXX ( email attachments were provided as proof ). However, this policy was not communicated when I signed the lease agreement. As such, my notice submitted in XX/XX/XXXX, which compiles with the XXXX notice requirement in the lease, should have been accepted as valid. I have attached a copy of the lease agreement and the emails I sent to the leasing office to confirm my compliance with the lease terms. 

Despite following the proper procedure, I have been charged for XXXX through XX/XX/XXXX, which contradicts the terms of the lease and my actual occupancy. I attempted to pay the final months rent of {$1400.00} for XX/XX/XXXX ; however, this payment was refused by the office. Furthermore, since I did not occupy the apartment beyond XX/XX/XXXX, I can not be held liable for any charges incurred after this date. My brother also provided me with a walkthrough video of the apartment, demonstrating that there were no damages upon his departure in XX/XX/XXXX. 

I would also like to point out that a leasing office employee, confessed to me that he had not dealt with a situation like mine, which XXXX have led to miscommunication regarding the handling of my final rent payment. The office employee initially advised me to submit my final months rent payment via money order. However, shortly after I followed this instruction, I was contacted by the Senior Property Manager an hour later, informing me that the payment could not be accepted because my brother was still residing in the apartment and that I had given back the keys to the apartment. 

Given that I made a genuine effort to fulfill my financial obligation for the last month of the lease and the leasing office refused to accept the payment, I believe this should absolve me of any further liability. Even if my brother remained in the apartment temporarily beyond the termination date under squatters law, I can not be held accountable for his actions. Once he vacated the property in XX/XX/XXXX, the lease naturally expired, and any subsequent charges should not be my responsibility.
Consumer complaint received 2018-12-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

XXXX  XXXX XXXX XXXX is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXX XXXX XXXX  XXXX and XXXX XXXX  a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to XXXX, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.
Consumer complaint received 2024-10-07
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX XXXX official complaint is against PRO COLLECT & XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2018-12-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In response to a previous complaint, Experian JUST sent me results in the mail that DID NOT correct the MANY VIOLATIONS on my report! ( So, this is not a duplicate complaint -- it's in response to VERY RECENT POSTAL MAIL. ) They totally disregarded the violations! There are : accounts reporting as OPEN and CLOSED -- please explain how this is possible and why they're still on my report! There are accounts with multiple violations, including different dates, DIFFERENT balance amounts, DIFFERENT account open/close dates ... ..ETC.! Accounts with CONFLICTING INFO & VIOLATIONS ARE SUPPOSED TO BE DELETED. See attached document!!
Consumer complaint received 2018-12-02
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. (NV)

Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if  you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.
Consumer complaint received 2024-10-07
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. (TX)

An item that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Consumer complaint received 2018-04-04
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I have disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX in the amount of {$4600.00}. I have disputed this account with the company and also with  Experian, XXXX and XXXX and it is still on my credit report. It is unlawful to report this fraudulent account.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CT)

I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/Synchrony account/ XXXX XXXX XXXX and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX XXXX, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along with my social security number to apply for XXXX XXXX   credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe Discover credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of Discover credit card. When I tried to check my discover purchase history, I was unable to find the XXXX XXXX transaction. Also verified with Discover customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call, for the pending charges neither from XXXX XXXX nor from XXXX. 

I have approached myself to XXXX XXXX, XXXX XXXX  & then XXXX for clearing this pending amount appearing on credit report where I raised a dispute with XXXX. 

I received a letter from XXXX on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from XXXX till date where they are not giving me proper response for the queries I raised. 

Could you please investigate this issue and help me to resolve this without penalty charges as this issue happened due to carelessness of XXXX XXXXXXXX XXXX. 

Appreciate your help, Thank you.
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I have made XXXX payments to MOHELA for my student loans that have yet to be posted to my account, which means I am accruing interest on money that has already been paid. The XXXX  payment of {$500.00} was made on XX/XX/year> ( XXXX  days ago ), and the XXXX  payment of {$500.00} was made on XX/XX/year> ( 187 days ago ). I have called numerous times, and the representative can " see '' my payments but can not do anything other than submit a request for the accounting department to review my payment. The standard response I get every time I call is to " Please allow up to XXXX  days for payments to post. '' We are well past the XXXX mark, and I continue to get the same response every time I call. Yesterday, I called and got the same response but asked for a refund of those payments so I could resubmit them. They said they could not refund the money until they " located '' the payments. What do you mean by " locate '' the payment? You have told me you can see I made the payment, and I have provided bank statements where it has been withdrawn from my account. I am so over this and want it resolved. I have spent too much time on hold with MOHELA to continue getting bogus answers.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have some credit inquires in my credit report. XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX.