davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with XXXX TransUnion, and XXXX on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.
Consumer complaint received 2017-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ),. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification XXXX XXXX and SYNCB is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Consumer complaint received 2021-07-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (PA)

I was contacted via mail regarding a streamline mortgage refinance. I was quoted a new rate from 3.125 % to 2.75 % and a new mortgage payment from {$1000.00} to {$1000.00}. By time I met with the notary, I had some documents stating the exact amount quoted and other documents with a mortgage payment of {$1100.00}. I reached out to my lender who I originally did the refi with, XXXX XXXX NMLS XXXX who advised me the change was due to my homeowner 's insurance increasing. I reached out to my insurance company only to be told no increases were ever made to my policy. I then reached back out to the lender with this info only to be told somehow the discrepancy was MY fault for not sending over documents. I sent over all documentation when requested. I then asked for a manager ( Named XXXX  ) who was very condescending and repeatedly interrupted me stating I should have read the documents before signing. Closing documents consist of XXXX pages. He then proceeded to try and tell me the original amount was based on the info they retrieved regarding my homeowner 's insurance payments, however, THEY make my insurance payments directly so how could they quote the incorrect amount. I was NEVER once advised of the change in amount until I made the complaint. I have the Closing Discolures for the original amount quoted as well as the new amount they created.
Consumer complaint received 2018-06-15
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. (GA)

I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report. 
Creditor : XXXX XXXX Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX  XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX  XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

On XX/XX/2018 I traveled to Procollect, Inc. at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX and attempted to pay a {$99.00} debt to ProCollect , Inc that was acquired from a overdue balance left with XXXX 's XXXX XXXX. ProCollect , Inc refused to accept my payment unless I also paid another outstanding account that they purchased that is over 10 years old. While there at ProCollect , Inc I spoke with 3 employees including 2 managers and they still would NOT take my {$99.00} payment for the XXXX 's XXXX XXXX account. Since I could NOT get any cooperation from ProCollect , Inc, I decided to go and visit the original debtor which is XXXX 's XXXX XXXX in which the management took my payment and gave me a receipt that I promptly tried to return to ProCollect, Inc. ProCollect , Inc would NOT take the receipt from XXXX XXXX XXXX XXXX ProCollect , Inc said that I would either have to mail it in or fax it to them. I did both, and after a couple of weeks I realized that the debt was still listed on 1 of the 3 bureaus. Coincidentally ProCollect , Inc called me this same day. ProCollect , Inc informed me that they would NOT remove the {$99.00} debt from credit file with XXXX   until I paid the other 10 year old debt that they had on their books. After threatening to contact your office I was very harshly informed of their lack of concern about me contacting your office. Furthermore, I also mailed and faxed a copy of the XXXX 's XXXX XXXX receipt to XXXX XXXX dispute department. XXXX   informed me that the debt could NOT be removed even though I sent them a receipt of payment, unless ProCollect , Inc says that it is ok to remove it. Your help in this matter is greatly appreciated. Thank You & God Bless
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (GA)

I have a loan with MOHELA/XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and MOHELA/XXXX XXXX XXXX with no successful resolution.XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-06-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Lending Club Corp (NY)

I have a loan with LENDINGCLUB CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LENDINGCLUB CORPORAT with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

In the XX/XX/XXXX, I was approved for a modification on a home that I have been paying on for almost 15 years. I made trial payments for three months on all three mortgages. I also had the help of an attorney during this tiime. 

It is documented, by Wells Fargo, and my attorney that the bank made false entries into my records regarding attempts to reach out to me and claimed that they were not able to reach me or were hung up on. This has been proven to be untrue. The bank has admitted fault in this regard. 

In XX/XX/XXXX, Wells Fargo requested that I submit finalized modification paper work. Considering the modification approvals a success, my attorney requested that Wells release representation from their firm. I called over and over trying to get my representative on the phone in order to ask questions regarding my paperwork on the 1st mortgage and have phone records showing my calls to Wells Fargo. I was finally able to get my representative ( XXXX ) on the phone. She explained that she could not answer questions or speak to me regarding my modification and and acknowledged that XXXX had received the release of representation from my attorney but that this had not been properly processed through the Wells systems. I expressed my concern with the date that papers were to be returned to Wells Fargo, she assured me that all was well and that she would call me withing a few days once the 'release ' was processed. Again, I asked about the date which was upon us for returning the papers and she told not to worry about the date and that all was well. She would call me soon and move things forward. 

After calling repeatedly, with no response, I was informed by letter in the US Mail that my modifications approvals had been retracted. 

Since then, I have been asking Wells Fargo to, through open cases to please review call logs and to reinstate my modifications. This has not happened. 

I borrowed money from family in order to bring loans current in XX/XX/XXXX. My intentions are to stay in this home and satisfy my loans. However, Wells has made this nearly impossible with their missteps. I need help through this complaint.

There is a pre-foreclosure hearing now scheduled on the XX/XX/XXXX. Please help. I do not know what else to do to get the lender to work with me.
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I resubmitted my IBR application and sent Nelnet proof of income ( three times ) as requested. I named the files " Gross Pay. '' I am  XXXX and pay my own quarterly taxes. I have nothing taken out of my pay by my clients. 

I keep getting emails saying they can not approve my IBR plan ( which was already approved earlier this year by my prior student loan servicer before Nelnet took over and unapproved me ) unless I send  them my gross pay. The last email I received from them was XX/XX/18. I sent them emails ( twice, once again on XX/XX/18 ) telling them that the proof of income is my gross pay, and I even named my files " GROSS PAY. '' Nelnet is purposefully delaying my IBR approval by claiming they still need documentation that I already sent to them. I feel they are harassing me. If they can not provide faster service and approval ( I submitted the requested documentation to them on XX/XX/XXXX ) they have too many clients. Their inability to respond in a timely manner is harming me. 

They have my clients ' address and phone number. If they are not satisfied with what I sent them, they can call my clients and ask what they have paid me for the last 90 days or whatever.
Consumer complaint received 2018-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I already have a complaint file on Wells Fargo Mortgage. Today I received a call at XXXX my time. The call was from Wells Fargo Mortgage and the representative gave his name as XXXX XXXX. The phone number the call came from was XXXX and his ext. no. is XXXX. I was very disturbed by the call. He kept interrupting me, told me I didn't know about the process and that he was going to educate me. He was demeaning and condescending. I felt like he called to try and bully me and I'm XXXX so I felt like this was abuse and not information. When I asked to speak to a supervisor he told me he didn't have one available. I told him he was out of line and that I would file another complaint about Wells Fargo and him. He told me not to waste my time because the cfpb wouldn't do anything except send the complaint to him and Wells Fargo. I told him about all the different information I had gotten from Wells Fargo so I wanted to make sure that when I got my principle down to the 78 % the HUD mortgage insurance payments would stop at that time. He then told me that I might have to pay another month or two until HUD could be notified. I told him I had better have the {$180.00} taken off my mortgage when I reached the 78 %. I am retired and so that much money is a lot to me.
Consumer complaint received 2018-06-14
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. (TX)

In my previous complaint i advised Experian of the Identity theft that has occurred and advised them of this information, as well as provided a FTC Law Enforcement Affidavit that was sent to the XXXX PD as well. When my wallet was stolen over two years ago my information was used and there were accounts opened fraudulently in my name. Not only were these Banks notified, Experian also stated they blocked the incorrect information from reporting. I still show the Credit Card from XXXX  XXXX XXXX displaying on my Experian report. This is a fraudulent account, i never opened this account nor did i receive any benefit from this account nor did i ever receive a card from them. Additionally Experian advised me in my previous response that they have complied and have followed the FCRA Requirements per my Identity theft documentation and proof to block these accounts. They did block one of the XXXX XXXX XXXX Cards, however they did not block both. Like i stated, additionally there is an inquiry from XXXX XXXX XXXX from XX/XX/XXXX, that i did not authorize nor apply for any credit with that i wish to be blocked. Additionally there is an inquiry from XXXX  XXXX XXXX on XX/XX/XXXX which i did not authorize nor apply for and they stated they didn't pull credit since my report was frozen. Please block these accounts and update me once its been blocked with a new copy of my report as well as the inquiries.
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting incorrectly to Transunion a collection in the amount of {$7500.00} on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) The open date of this account reports XX/XX/XXXX however there is no date of last activity reporting. The actual date of the last activity was in XXXX and this line item is being reported illegally to collections because the statute of limitations has expired. In Texas, the statute of limitations is ( 4 ) years. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Consumer complaint received 2018-06-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

II am having problems with my new bank on his open up my problem is a my nephew owe me some money and he when I get paid he wrote me a check I went down to my bank that I king going to the XXXX and cashett the lady at the register told me that a has to take 7 days I had a would some day to get money back and she kept on persecuting of giving me her the check I said no when I was leaving I'm outside the bank in dress XXXX deposit in through the ATM treatments later I thought I can get money says I directly deposit {$20.00} out it did not give me no money it said An eligible account so sense I didn't get my check to lady inside the branch she flag me she shut my countdown I not know my account was flagged at all I got a loan that got dreads it to my count for me and a my went into my bank to go get out has since I am can get no money I'm doing with the money out and shut down the bank they said they flagged my account for supposedly I activity stop is fraud and does no father I is my money out and set my account they're not doing anything about it and they said they don't banker call the fried apartment they said it was because in my nephews check ID but ID posit and to the ATM I told my nephew XXXX to basely stop check stop payment so he stop payment so a got That's the bank and basically got rejected so I have available balance and they will not give me my money I behadden grounds from the get go from these eyes in the bank is called UMPQUA bank Located in XXXX Washington I try to get money out my dollars I get my up to get my money back so I can shut my back my bank account down I do have deposit coming from security and I would like to have that and since they're not doing anything um I need some help I'm not sure honey people that done this too but it's not right Am I name is XXXX XXXX Count number is XXXX XXXX My social XXXXPhone number is XXXX to XXXX cast my nephews check 3 days ago it was for XXXX that's when Glad me way before that sense I have a overdraft And Took out some money and after that they flagged me and I do not tell me at all and I show the XXXX XXXX balance XXXX XXXX  of dollars my game right now And top it off they shut up my online banking so I can't see what's Going on with my account So with them shutting down my online banking account I can't give you guys any kind of copies of anything
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (CA)

On XX/XX/XXXX i opened an account with pnc bank. PNC initiated an ACH for XXXX to fund the account. The money was pulled from my bank account with XXXX but never ended up in my pnc account. I contacted PNC multiple times and they have not been able to give me an answer on where the money went. They said that they recieved the momey then transfered it back to my XXXX account via ach and gave me a trace number. They also told me on my next call that they never recieved the money. Its XX/XX/XXXX and they still have not been able to find out where the momey went.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

XXXX : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$830.00} DEPT OF EDUCATION/XXXX XXXX XXXX Closed DEPT OF EDUCATION/XXXX XXXX XXXX Closed XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00} Transunion : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX XXXX  {$830.00} DEPT OF EDUCATIONXXXX XXXXXXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00} XXXX XXXX 
XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}