davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (GA)

I sent a payment  to Wells Fargo ( Home Projects loan ) electronically from m y  XXXX    XXXX   Checking Account for several months now. I got enough money recently to pay off the loan amount and sent in the enough money to payoff the loan of {$1600.00} electronically from my  XXXX   XXXX   Checking Account to Wells Fargo Bank on   XXXX   XXXX . I checked my account on Friday  XXXX   XXXX  and noted it had not applied to the balance. I contacted them on Friday  XXXX   XXXX  using the websites message center and got a reply today that they never received my payment. I contacted  XXXX   XXXX  just to be told tha t Wells Fargo refu sed my electronic payment and so they sent a check to the  XXXX  address that I had for  Wells Fargo Financial National Ban k to pay on that loan. According to the  XXXX     XXXX   representative,  Wells Fargo ac cepted receipt of the check last week at the  XXXX  address. However, as of today it still has not be applied to my account and the payment is due today,  XXXX   XXXX ,    2017.      I sent a message  to Wells Fargo asking  that they review their records and verify they received the check ASAP. I have made copies of the communications that I have received and sent in their message center. They still do n't show the message I sent out today but I have the others.  XXXX  agreed to send me a copy of the information regards to the check and I 'll receive it within 7 days. They will put a stop payment on the check if I ask them but I do n't want to that because it is proof I sent the payment and it was received   by Wells Fargo.
Could you please help me ensure that Wells Fargo does n't   mess up my credit?     thank you
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NATIONWIDE ACCEPTANCE LLC (IL)

Nationwide Cassel lending has not sent me a monthly statement for my vehicle loan. They are refusing to repo the vehicle and allow me to pay what is left. I have tried to settle on this account. My " high balance '' is {$19000.00} and I owe {$12000.00}. I offered to settle on the loan for {$6000.00} ( my employer has been trying to work with them ) they refused and wanted {$9000.00}. If is settle for the {$9000.00} then I am paying back more than what I borrowed. Also, the lender has told my employer " I would NEVER be able to pay this loan off even if I make the payments and catch up the loan '' I feel they do not want the vehicle because it is not worth at all what they charged me, they have no intentions in resolving the debt because they are loan sharks. They just want the interest. 
My employer has tried several ways to pay this debt, settle the debt and find a resolution. 
I do not feel this is legal, I just want to resolve this debt. Not be bullied and harassed into a high interest loan. 
Thank you, XXXX XXXX
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed for chapter XXXX XX/XX/XXXX. I made an agreement with my creditors to pay 100 % of my debts. In exchange once all debts have been paid my Chapter XXXX will be " dismissed. '' I paid all of my debts 100 %! I contacted TransUnion to remove from credit report. I faxed TransUnion dismissal papers from United States Bankruptcy Courts proving my case. TransUnion still states bankruptcy is verified. I contacted U.S Bankruptcy court and the U.S Bankruptcy Courts stated TransUnion did not request my court docket file. Under the FCRA, once filed the case is a matter of public record and appears on my credit history. The public record listing for a dismissed ( completed or paid ) Chapter XXXX bankruptcy remains for 7 from the filing date! I am attaching all proof to validate my complaint! I also have an active loan with XXXX. I refinanced my vehicle in XXXX XXXX, mt next scheduled payment was to be in XXXX XXXX, XXXX XXXX mishandled the paperwork and rescheduled payment for XXXX XXXX, XXXX XXXX reorganized the loan so two months ( XXXX XXXX, XXXX XXXX ) was put at the end of the loan. I disputed with TransUnion and they still have me 30 days late in XXXX XXXX. I called XXXX and they stated they updated with XXXX. XXXX stated contact TransUnion, we did our part. My chapter XXXX should be off my credit report, XXXX should be never late! Transunion is very bias and is created to hurt the consumer and not be honest.
Consumer complaint received 2023-08-02
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. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (TX)

This is not a complaint but merely an attempt to communicate with this credit account where numerous phone calls and dead end transfers have put me without resolution.     On  XXXX  and  XXXX  of  XXXX , I tried to re ach JcPenney 's collect ion/bad debt divisions but attempts were futile and ended in incorrect department transfers and disconnections. Finally, on  X/XX/XX , I was able to be transferred correctly to the  XXXX  department at Synchrony Bank where I spoke to  XXXX  and he located my old account. My intent is to  1 )  request itemized charges and dates if need be to state my cause and the n 2 ) verify  and prove with proper affadavit detailing unauthorized use/ID theft on charges with this credit line that, by my discovery, go back to  XXXX  and maybe  XXXX .    XXXX  informed me that this account was sold off to  XXXX   XXXX  and that I need to contact them. I explained to  XXXX  that I already have contacted them, given them the affadavit at their request and that they have agreed and subsequently removed the reporting from all  XXXXX  reporting CBs. I explained th at JCP is still  reporting me separately from the collection agency and that if I need to validate this, I will do so gladly. Again,  XXXX  informed me that there is nothing he can do since the account was sold off to  XXXX   XXXX .
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services (TN)

Received Several different calls from this number for Different names of People this is a place of business and I let them know that if that person is an employee with us they must call them on there personal phone because no one is in the office by that name the caller then asked what was the persons cell numb er I told t he caller if they are requesting verification of employment I can provide a Fax number because we do not do verbal employment verification request must be submitted through Fax the person I spoke to started calling me names   XXXX  ,,  XXXX ,  XXXX   XXXX , the  XXXX  slur  XXXX . I put him speaker so that I could record it on camera how he was speaking I asked to speak with his supv. he stated he was his supv. and he owned his business he then ask to speak with a supv. on my end when i went to transfer he hung up on her this was not at all professional it was rude disgraceful and hurtful how could these people sleep at night and treat people this way it is harassing and taunting if someone tells you that person does not work in this office that should have been the end unless they were requesting employment verification we have over  XXXX  employees and only  XXXX  in the office that person does not hold a job in our office which is the truth I thought that was very rude for this person to be mean and degrading towards me or anyone else
Consumer complaint received 2017-04-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

I have  XXXX  mortgage companies my primary  XXXX   XXXX  servicing and secondary Citimortgage. I have mortgage insurance through my primary mortgage company  XXXX   XXXX   XXXX . I have been having difficulty with my   XXXX    Mortgage  Company Citi  Bank. They send me a letter telling me that unless I prove I have hazard insurance they will obtain Insurance for me. I have faxed them the information and have mailed them the required documents through the years to show them I hav e Insurance an d sometimes they cancel the policy they obtained other timesThey just continue on charging me for  the Insurance. My monthly mortgage is {$1100.00} they increased it to {$1500.00} for the Mortgage Insurance they attached. I can not afford this an d I am behind again with my mortgage and they are threatening foreclosure. I have paid them my mortgage premium of {$1100.00} and thy say they have not received any payments from  XXXX  through  XXXX . I asked them where the money went and they say it went to unapplied funds. They tell me I owe them {$7900.00} now and they have threatened foreclosure. I called them again today to tell them that I already have mortgage insurance through my primary mortgage  XXXX  and have sent in supporting paperwork and will send it in again. They told me for th e 1st tim e ever that My  XXXX   XXXX   XXXX  does not cover this loan and that I also need to have insurance through them also. I asked to speak to a  Manager. The Manager t old me the same thing. They are covering my house for the eaxct same insurance as my primary coverage. I can not afford  XXXX  insurances that cover the same thing. I need help. I do not know what to do.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my debit card without my permission and there was no fraud on the account and there was money in the account. The account was closed by the agent as of XX/XX/2023. I was only notified via email and when I called to rectify the situation I was told they could not reopen the card. Although this was my only means to pay my rent and other bills. I'm
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

This company is violating my right and credit report fcra 15 U.s. code 1681 ( a ) 2 exclusion Except as provided in paragraph three determined consumer report does not include debt collectors then try to profit off a debt the original creditor has already excluded from their finances. late payment are illegal In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 uac 1681 sextion 604 A section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 usc 166b : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX  days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion XXXX XXXX which adds to my worries about the safety of my personal data.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to file a complaint against the XXXX bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the XXXX bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, 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. (NV)

This company is violating my right and credit report fcra 15 U.s. code 1681 ( a ) 2 exclusion Except as provided in paragraph three determined consumer report does not include debt collectors then try to profit off a debt the original creditor has already excluded from their finances. late payment are illegal In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 uac 1681 sextion 604 A section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 usc 166b : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes
Consumer complaint received 2024-11-15
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. (CA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-11-15
Product: Credit reporting 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. (CA)

I am a senior citizen and my age and lack of knowledge about how credit reports work led me to this situation where i have become a victim of identity theft and i haven't been able to notice it as there are accounts that have been there for a long time currently my report is about the XXXX account hat has reported late for a long time now and it is in all 3 bureaus, please remove this account as i have no knowledge of this account. I have already filed a police report as well as identity theft report. please remove this account from my credit report.
Consumer complaint received 2023-08-02
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: Caliber Home Loans, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

XXXX held the papers on XXXX sold to Carrington Mortgage XXXX XXXX. I called to either refinance the XXXX or begin paying for taxes and insurance. Carrington is only a servicing agency they gave me www.reversemortgage.org to locate the company, had no phone number. Tried that which listed financing agencies but NO Reverse Mortgage company listed under that name. I contacted them XX/XX/2023 at XXXX and to date no response. How do I contact the holder of my XXXX?
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Delinquent account — 
Company: Orions Management Group, LLC (NC)

An outstanding debt I owe to XXXX has recently been purchased by Orions Management Group, LLC. I received a call ( voice mail ) from someone at that organization on XX/XX/2017 - the person did not identify himself, but said it was urgent and that I needed to return his call same day. Later that afternoon, I received another call at work - again the same person did not identify the company he represented or state what the matter was about ; he left a voice mail stating that the message was for MY BOSS and asked him to have me return the call. First of all, this debt was incurred before I worked for my current boss. I do n't know how he got his name, but the fact that he called me at WORK and left a message for my BOSS infuriates me. I called back a little later and got the person 's voice mail. I told him to not ever call me at work or to call my boss trying to reach me ; I would report him to the Consumer Finance Protection Agency. He called me back while I was at an appointment and left a condescending, sarcastic message, stating he did n't know what message I was trying to convey and that he really did n't understand much of what I was saying. It was not a very nice message. Then, I received a letter in the mail SAME DAY regarding the debt. So the calls preceded the letter. I would not have minded just receiving the letter, but I feel the calls and voice mails were threatening and harassing.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC (AL)

I am filing a complaint against Ability Recovery Service ( ARS ). This collection agency started reporting an item from XXXX XXXX on my XXXX and XXXX credit reports some time in XX/XX/XXXX, as noted on XXXX credit report # 1, dated XX/XX/XXXX The date of first delinquency is reporting as XX/XX/XXXX. On XXXX credit report # 2, dated XX/XX/XXXX, you can see that the item is no longer reporting. But on XXXX credit report # 3, dated XX/XX/XXXX the item has re-appeared with a new account number and a new date of first delinquency. This is a serious violation of the Fair Credit Reporting Act pertaining to Section 623 ( 5 ) ( A ) and has caused me a hardship with obtaining a home loan due to the fact that the item is reporting as n new collection less than a year old.
Consumer complaint received 2017-04-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Consumers Inc (NY)

United Consumer Inc XXXX VA leaves messages on your voicemail " this is United Consumers and this a private message and if your not XXXX XXXX hang up and delete this message ''. If the person does n't hang up or the machine picks up it continues " this is United Consumer Inc and we are a debt collector collecting a debt from XXXX XXXX '' Sometimes when you listen to the recorded message a representative starts saying " hello hello '' Anyone who has access to the voicemail will have knowledge of the fact you have a debt and the collector. They are infringing on a persons right to privacy. Then when I discussed it with them they did n't care and kept leaving the same messages.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX have failed to remove inaccurate information from my credit file. Furthermore, there inaccurate reporting has caused an undue hardship with my work life an living arrangements. Specifically, Experian continues to report a charged-off account, which I am no longer liable for, and the account is also legally past the 7 year reporting period and has also been removed from the other XXXX major reporting credit reporting companies. Additionally, XXXX continues to report a bankruptcy that has been dismissed and is past its legal reporting time period, his reporting inaccuracy continues to cause me an undue hardship.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.