davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA is reporting a 30-day late payment on my credit report for the month of XX/XX/2022. I previously submitted a dispute directly with the creditor. I received an automated message saying this account has been verified despite not providing any documentation that this account was 30-days past due. This error has resulted in my credit score dropping XXXX XXXX and has prevented me from being able to obtain a mortgage. Upon trying to resolve this issue with USAA I spoke to members of the president 's office who assured me that they would help me get this inaccuracy fixed and removed from my account. My rights as a consumer have been violated per FCRA 609/611.
Consumer complaint received 2016-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

Springleaf has twice contacted me trying to " verify '' information regarding a relative. After the first contact I did research online to find they were only allowed to try to contact me once after I did not agree to providing information ( or confirming my relation to the individual ). Today I was again contacted by Springleaf and the representative would not verify why they were calling but simply that they wanted to collect information on the relative. After a quick XXXX search of the number I found it too was owned by Springleaf.
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (AL)

REMOVE ALL LATE PAYMENTS FROM MY CONSUMER CREDIT REPORT WITHIN 7 DAYS 5 U.S. Code 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-10-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

After making several requests for assistance, I was denied an application to save my home. Because my loan defaulted ( I was unemployed briefly, then accepted lower paying jobs, to be employed ), I was not allowed to make payments in order to keep the delinquency from growing. I requested a mediation from the courts and was granted a conciliation, which was just a meeting to discuss the options, to which I finally received an application. NOTHING was actually mediated. My application was denied due to FHA guidelines - there must be at least 24 months before I can receive a modification from the execution of the last XXXX. The last XXXX I received was prior to my losing my job. I requested multiple times forbearance to allow payments until the 24 month period expired and was denied, even though the Foreclosure was suspended, according to Wells Fargo. After contacting FHA/ HUD , I was advised that Wells Fargo can actually take over the loan and modify it. Wells Fargo also filed for summary of judgement. It is evident that Wells Fargo has no intention or desire to help homeowners keep their homes. I am not even requesting a lower payment, just a re age or something that will allow me to make payments again. I want to honor my debt and keep my home. I have worked incredibly hard to improve my financial status for a year now and that has happened, but Wells Fargo is clearly more interested in spending money on lawyers and foreclosures than helping borrowers in financial crisis.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In the month of XXXX, my XXXX card provider stated that my credit card was max out. When I checked, I found that it was unauthorized used successively by out of state merchant. I told Citibank that it was fraud but no response and with follow up calls, they said iI have to pay for the amount first, and I have to go after the merchant to pay back to Citibank, then the XXXX will credit back to me. I contacted the mrechant who stated it was a mistake but till date I am still responsible for this fraudulent charges as well as the accrued interest.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Unfortunately, I have to submit another complaint because there has not been any responses from Wells Fargo to me directly since I filled the initial complaint. In my last complaint WF stated that they provided me with a partial response and that they 'd need 60 days to investigate. They have not provided me any additional information regarding my case. XXXX XXXX XXXX contacted in response to my initial complaint and said she 'd follow up and call me back. I have not heard from her since. I have tried to contact her numerous times, but without success. It appears WF is intent on letting the property go into foreclosure sale next week and yet give the impression they are working with me and need 60days to invstigate. It ca n't be both ; either one way or the other. I believe this is a violation of my rights as a homeowner who is facing foreclosure. This is on the CFPB website regarding protections for homeowners that are experiencing problems and possibly facing foreclosure. WF has violated each of these areas : Strong Protections for Struggling BorrowersRestricted Dual-TrackingNotification of Foreclosure AlternativesDirect and Ongoing Access to Servicing PersonnelFair Review Process : No Foreclosure Sale Until All Other Alternatives ConsideredWIll someone take up our case?
Consumer complaint received 2015-08-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (OH)

I am the cosigner on a Wells Fargo student loan that was taken out by my niece to finance her XXXX degree. At the time of the application, I wanted to be sure I was n't signing up for a long term commitment. I was told before any documents were signed that after two years, I could apply to have my name taken off the loan, so long as there was a history of on-time payments. I felt that was a bit excessive, since in most cases a cosigner can be removed after one year, but I wanted to get the loans consolidated with a lower interest rate. Silly me. 
At this time, it has been over four years and I am still being held hostage as a cosigner, even though the payment requirement has been fulfilled for longer than required. Additionally, although I am held responsible for the loan, Wells Fargo will not provide me with any information regarding disposition of the loan, everything must be channelled through my niece. She is also the one who must apply to have my name taken off the loan, which is not the way it was presented to me. It apppears Wells Fargo has stacked the deck so that I will never be removed as a cosigner, though that is n't the way it was presented in the beginning. 
The loan is serviced through payroll deductions, so it 's not as though a payment will be forgotten or missed. If a borrower has a record of repayment this long, I would say it 's a pretty safe bet that the necessity of having a cosigner is a moot point, and Wells Fargo should honor their promise to remove my name from the loan.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I opened a XXXX Amex XXXX and XXXX Amex XXXX card. The XXXX card has a promotion of XXXX XXXX points after you spend {$3000.00} the first three months. I met the minimum spend of the {$3000.00} the very first month and they did not award me any of the XXXX skymiles points. The XXXX card had a sign up promotion of XXXX points after spending {$2000.00} the first three months. I met the minimum spend of the {$2000.00} the very first month and they did not award me any of the XXXX skymiles bonus points. I contacted them and they told me that if I had previously stopped using any of the cards that I had with Amex in the past they would not honor their promotional deal. This is unfair and false advertising to lure people into applying for their credit cards to get us to use their credit cards. We the consumer normally use these credit cards in case of emergencies only and not for everyday purchases.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AZ)

I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Consumer complaint received 2015-10-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: DISCOVER BANK (CA)

I suffered a shoulder injury the beginning of the year, which limited mywork. I am a XXXX who is XXXX and use my XXXX for my job. I have private loans with Discover Financial andcontacted them via phone several times to see options. The responsewas that nothing could be done and I did n't qualify for deferral. Theythreated default and sending to collection. I have tried over the year topay what I could afford. Then my father passed in XX/XX/XXXX and I havebeen out of work. They have put the loan in default and are not giving oroffering any options for me to repay loan. I am not in a position to borrowfrom family given the recent events with my father 's passing. I amattempting to get back to work immediately and begin paying what I canafford. I am at a loss as to what my options are to resolve the matter.
Consumer complaint received 2016-03-26
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I bought a XXXX Chevrolet at a used car lot. The full sum {$8600.00}. When I drove it off the lot The brake light, the ABS light, the drivers airbag was on constant, the passenger airbag light on constant, The was NO drive/reverse/park, neautral, D1, D2 showing at all to know where I selected. 
The brake pedal was low and spongy. This vehicle is UNSAFE. I brought it back the next day to be corrected Their mechanic hooked up his OBDll tool and found nothing. 
I brought back the truck within 48 hours of buying it and told he company it is unsafe for the person in charge I do n't want it. I left the keys with the person in charge. I gave {$1100.00} cash up front. I asked for my money back. They have been ignoring my requests.
Consumer complaint received 2015-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

I have a collection account with XXXX XXXX University, for tuition owed for classes they claim I did not formally withdraw from in time during XX/XX/XXXX. The amount of this debt showing on my XXXX XXXX credit report is {$1700.00}, as reported directly by XXXX XXXX University, on XX/XX/XXXX. 

The law firm now handling the collection, Keith D. Weiner & Assoc. Co. LPA , is claiming I owe over {$2700.00}, due to " collection costs. '' They claim the initial balance with XXXX XXXX University was {$1600.00}. 

I disputed their claimed balance amount with them, based on the balance amount XXXX XXXX is reporting to XXXX XXXX. 

A representative for Keith D. Weiner & Assoc. Co. LPA , using the alias " XXXX XXXX '' ( XXXX ext. XXXX ) said his firm will just " file a summons, '' " get a judgment, '' and " garnish my wages when I do get a job '' per our telephone conversation on Monday, XX/XX/XXXX at XXXX EST. 

Prior to this, he made similar threats, such as on Friday, XXXX XXXX at XXXX. 
Prior to even attempting to call my personal phone, XXXX XXXX called my part-time employer on XX/XX/XXXX at approximately XXXX, and spoke to the owner of the company. 

On the same day, XX/XX/XXXX, XXXX XXXX called my personal phone at XXXX. 

The amount Keith D. Weiner & Assoc. Co. LPA , claim I owe has now been inflated by 65 % ( {$2700.00} vs. {$1600.00} ). 

The collection tactics they are using and their inflated amount they claim I owe, may be in violation of Fair Debt Collection Practices Act.
Consumer complaint received 2015-12-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (TX)

The XXXX travel company charged me over {$700.00} dollars. I called XXXX and they told me it 's for a travel tickets. I did not buy any ticket from XXXX and i dont know who is the person in the collector named and mention in the letter. And in addition I had already bought XXXX tickets for 5 days in NY from XXXX 2 weeks before this incident, not the XXXX. I called and claimed Unauthorized Transaction. XXXX investigate in 2-3 week and refund me the amounts they took from me. Today XXXX XXXX i received letter from their collector and try to collect {$250.00} which the debt is n't mine.
Consumer complaint received 2024-09-02
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. (PA)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2022-06-21
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: CURO Intermediate Holdings (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AZ)

Approximately XX/XX/21 I made an online payment to XXXX for {$140.00} on a XXXX XXXX visa card. During that time XXXX had switched from Visa to Mastercard and the payment of {$140.00} went to the Visa and subsequently to Barclay Bank. XXXX contacted me and told me the visa payment had not gone through and I then wrote and mailed LL Bean a check. I contacted the Barclay Bank in XXXX Delaware via telephone and mail, requesting return of my visa payment. My bank sent a communication to Barclay to help with the return of my money. They sent me a check for the full amount, but my bank said the check was illegible. I sent the original uncashed check back and requested a new legible check and I have not received the {$140.00} they had received in error. I have written letters and made numerous phone calls and still have not received the money. The case number with Barclay Bank XXXX.
Consumer complaint received 2016-05-24
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: EZCORP, INC. (CO)

I received a phone call this morning from a " XXXX XXXX '' with XXXX about a debt I supposedly have with EZ Money. When he called and tried to verify who I was, they had the wrong SSN, employment information, and flat out refused to verify the validity of the debt stating that it was not his concern or responsibility. He also refused to give me any contact information other than his name and company he was with. The only information he provided was an estimated date of when the loan was taken out and who it was with. When speaking to him, he threatened criminal charges and possibly jail.When trying to verify the debt, he became very agitated and loud- he began yelling at me. I advised him to serve me and cease all phone communication with me or any of my references they XXXX have contact information for. Shortly after, he called my mom and would only provide a phone number.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

i have submitted loan modification request with full package last XXXX 2014 and have been waiting for the result but the lender did not give me any result regarding approval or denial of the modification. I recently applied again for update status of my application and situation. The lender has sent me the notice of sale and they want to foreclose my house over the options of modification to keep my house. They told me they will not postpone the sale date to me and wish to move on with foreclosure even though they request additional documents and had submitted for review.
Consumer complaint received 2016-03-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Each month when I pay my mortgage and escrow, Wells Fargo take my check and places it in an " unapplied '' account. The problem here is recurring and in XXXX 2015 Wells was found to have misapplied funds and was led to back track and make corrections. 

The problem persists because Wells refuses to address the issue of the errors in the ledger and therefore continue to misapply the account management. The error here is very clear and if Wells would make the correction, this situation would be resolved. 

This is the error that is causing the " unapplied funds '' Tax : XXXX Ins : XXXX Escrow XXXX However according to your Escrow records ( XXXX/XXXX/2015 ) was there is a standing escrow balance of XXXX. 

Escrow account : XXXX Pre Balance : XXXX correct Escrow XXXX Wells Fargo has made no effort to address this problem.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several letters to the credit bureaus to eliminate several errors from my history, to date, I have not received a minimal response from them
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (NE)

I have sent this complaint three times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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. (NE)

I have sent this complaint three times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc (NC)

I have already sent in a letter requesting proof of this alleged debt. Please be advised that proper documentation is not a printout or bill from you. I would like you to send me a signed copy of the contract signed by me where I agreed that I owed alleged debt to you. I am requesting the following as well : copy of the purchase agreement from the original creditor, the cancellation of debt from original creditor, copy of the chain of title, verify what was the last payment on the account that you say I owe you, and can you verify if there is any judgement on alleged account and if so has that statute of limitations expired. 

I have already sent in a letter requesting proof of this alleged debt. Please be advised that proper documentation is not a printout or bill from you. I would like you to send me a signed copy of the contract signed by me where I agreed that I owed alleged debt to you. I am requesting the following as well : copy of the purchase agreement from the original creditor, the cancellation of debt from original creditor, copy of the chain of title, verify what was the last payment on the account that you say I owe you, and can you verify if there is any judgement on alleged account and if so has that statute of limitations expired. 

I have already sent in a letter requesting proof of this alleged debt. This debt has been improperly reported to Credit Reporting agencies. This debt is showing charged off every month since XX/XX/year>. The account can be charged-off only be charged off and by reporting it each month charged off with balance it is be reported incorrectly to credit bureaus. I am also requesting that this debit be removed not just because it has been improperly reported, but also showing charge off, so this debit has been written off on company taxes as profit loss and has thus been paid in full. I also never received my 1099-C. IF i am wrong please provide documentation that 1099-C was sent.as required by law.