davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

My loan is currently overdue. I have been trying to work with Wells Fargo to resolve its overdue status. Wells Fargo has refused to work with me in good faith. It 's actions include : ( 1 ) After being notified that I was to start a new job on Monday, XXXX XXXX, 2015, it threatened to set a foreclosure sale date unless I provided 30 days worth of pay stubs by Friday, XXXX XXXX, 2015, the business day before my new job begins ; ( 2 ) It has twice offered to enroll me in assistance programs only to tell me that those programs do not exist when I tried to accept the proposals ; ( 3 ) Wells Fargo proposed a streamline loan modification and offered me the chance to appeal by submitting additional documents, but then refused to consider the documents I provided ; ( 4 ) Wells Fargo has refused to communicate with me at all and is now communicating only by telephone during hours that I have informed it I do not have access to a telephone. 

All of the foregoing is summarized in the attached letter from me and the accompanying documentation.
Consumer complaint received 2023-07-13
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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)

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.
Consumer complaint received 2016-03-14
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION (CA)

We applied for a VA loan with Navy Federal Credit Union. We went under contract and had XXXX days to remove a funding contingency. The credit union told us, our realtor and the seller 's realtor that we were approved for the loan. Then one week before closing the credit union changed their decision and pulled back the funding approval. The reason given was we do n't have employment in the state where the property is located. XXXX XXXX is the day we are bound by contract to close on the loan. It is the seller 's intentions to take a our {$4000.00} earnest money down payment. My husband and I have both served this country for XXXX XXXX years of service and never thought we would be treated this way by a financial institution professing to support military members. For a week now we have been trying to get the credit union to help us get our earnest money back and they wo n't even answer our phone messages.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

we leased a Fiat 500E for over 20 months on a XXXX lease, and decided to terminate the lease early. We than were told be Chrysler Capital that our final bill was more than XXXX, which is more than half the price of a new car. 

here 's detail : Prior to the termination of a 36-month lease at the XXXX month, a customer service person of Chrysler Capital informed me through telephone consultation on XX/XX/XXXX that, for the early termination they would charge me approximately USD XXXX as an early termination fee in addition of the normal end of lease termination fee. It was based on this information that I decided to terminate the lease and consequently returned the car to XXXX on XXXX XXXX. 

On XXXX XXXX, I received a written notice from Chrysler Capital that the total amount for the early termination was {$27000.00}, subject to a final bill ( XXXX ). Out of shock, I called their customer services hotline immediately. To my aghast, their representative denied the early conversation that I mentioned above. 

In any event, the amount of {$27000.00} as the charges for the early termination is preposterously outrageous. It is almost as much as the price of a new car of the same specification. 

The next day, I called your company again, requesting a copy of all documents in support of your claim. Only after about 2 weeks did I receive a scan copy of a contract that was completely illegible : XXXX pages that were originally printed on XXXX paper were now squeezed into only XXXX page. 

Despite of my repeated requests of a copy of the normal or legible size of the contract and your customer service representatives ' consent to do so. After almost 2 month, I finally got the final bill and scan of the contract. 



I also attached a pdf of our lease payment statement.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed an account from XXXX XXXX XXXX for {$520.00} with Transunion on several different occasions. Initially, the account was held by XXXX XXXX. I disputed it on XXXX XXXX, XXXX through XXXX. ( see attachment XXXX ) And then again on XXXX XXXX, XXXX through XXXX XXXX ( see attachment XXXX ). And each time TransUnion said it meets FCRA requirements. Then, I guess the account was sold to another collection agency because it started showing up under XXXX. And I disputed on XXXX/XXXX/XXXX throught XXXX. ( see attachment XXXX ). I also sent a certified letter to the company disputing the charge. ( see transuiondisputeletter and receipt ... ) Following this dispute, I received a letter from XXXX, sent to my address but addressed to my father XXXX XXXX, saying they received my dispute but " determined that your dispute is not valid, and that the information we have reported is accurate. '' ( see attachment ending in XXXX, XXXX ) They also attached a hospital bill that named my father, XXXX XXXX, as the person who was admitted. ( see attachment XXXX, XXXX, and XXXX ) I filed a complaint with you on XXXX XXXX and I 'm sure you have their response on record. In case you do n't the company said they will launch an investigation. And I received a letter on XX/XX/XXXX saying the investigation was complete and they " verified the account information as well as my name and social security number as being accurately reported. '' I would like to know how Transunion was able to verify this account as belonging. ( see attachment XXXX ). Especially considering XX/XX/XXXX Solution sent me a letter and bill from the hospital that had XXXX XXXX listed as the person receiving services. This ordeal has caused me a lot of XXXX, XXXX, and financial undue XXXX. I am trying to find an apartment and have n't even been able to apply for any because my credit score is not good enough. And I have emails to prove this. I am staying in an apartment that I can not afford because I have no where else to go. And, I have to leave this apartment on XX/XX/XXXX and still have n't been able to find a new one because my credit score does not meet the requirements. I applied for a loan today to consolidate my credit and help with moving expenses, but I was denied because my credit score is not high enough. It is extremely important that this inaccurate information is immediately removed from my credit.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

We previously opened complaint # XXXX. 

The only message received was that SP Servicing would respond soon. 

CFPB seeing that there was a response, closed the complaint. 

It should not have been closed so we are re-opening it. 

SPS has resolved some of the issues. One issue that has not been addressed is that SP Servicing forced us to pay for additional {$4800.00} above and beyond the payoff statement for " Insurance '' purchased XX/XX/23 the day after the property was sold and mortgage paid off to SP Servicing. SP Servicing threatened to move forward with an illegal foreclosure if we did not pay.
Consumer complaint received 2015-12-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

This debt is related to an XXXX admission that occurred in 2010 at XXXX XXXX, XXXX. I do not remember the exact circumstances, but has an idea which i remember, and the facts my wife has explained to me. 
I was discharged XXXX following the morning admission, despite the protest from my wife, who is an XXXX She protested the discharge as I still had XXXX. Despite her protest, I was discharged. I then had XXXX which occured following a XXXX. 
In the evening, I was returned XXXX and again I was admitted XXXX. As far as I know, it was a weekend and from the XXXX, I was in the hall way as there was no room, or so. I was in XXXX until I was readmitted. 
The same admission had XXXX XXXX visits XXXX in the morning and the next XXXX in the evening. On the initial admission, I was discharged before XXXX, and only to return to the hospital by evening. The second admission resulted in the hospital stay, but for the same problem. 
As per my insurance coverage, XXXX is completely covered, but as the same admission had XXXX XXXX, Insurance paid only a portion. 
I initially had a bill from XXXX for the amount the collection Agency is billing. To that bill, I send by complaint, and I did not had any further bills or notices from the XXXX. And after an XXXX of three or four years, I had a notice from the collection agency. Though I informed the collection agency by phone and in writing, I again has notices and calls. Hence, I request CFPB to look into this.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights 15 usc 1681 sec 602 A states I have the right to privacy 15 usc 1681 section 604 section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo Bank Had an average of overdrafts and insufficient funds on my bank account of a least 12 times during a twelve months year from XX/XX/XXXX to XX/XX/XXXX Attached please find the ironic steps this bank recommended me to take when they were the fraudsters. Would the bank reimburse all financial damages they caused me? 
Would I get money back from the XXXX lawsuit?
Consumer complaint received 2016-01-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (SD)

I applied for a loan for a used vehicle through XXXX XXXX in XXXX SD. I received a rejection letter that was based off credit reports with information that is soon to be outdated. The bank that rejected my application was wells fargo and I highly feel that due to my address on my application which is on the XXXX XXXX is a reason for rejection also and this is a form of racial discrimination from wells Fargo.
Consumer complaint received 2023-07-13
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. (TX)

This is my eleven endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
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. (TX)

This is my eleven endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

WELLS FARGO LOAN # : XXXX REQUEST TO APPLY OUR " Cash Balance '' FUNDS to First Trial Payment due XXXX/XXXX/16 Wells Fargo has offered us a 3-Month trial payment plan for {$2100.00} per month starting on XXXX XXXX, 2016. We currently have $ XXXX sitting in a " cash account '' which we 'd like to apply for the XXXX XXXX, 2016 trial payment. We will easily be able to pick up the XXXX XXXX, 2016 payment and be in good financial standing for the new streamlined modification loan we were offered. 

XXXX XXXX, my account representative, told me twice on the phone that I could receive a check with these funds and he would expedite it, then he placed me on hold, came back and informed me, " I can not issue you this check and we can not apply these funds to make our payment ''. Please pull our phone conversation from Tuesday, XXXX XXXX, 2016 for the most recent misinformation spreading to a customer in need. 

I do not believe it is legal for Wells Fargo to hold our funds and I 'm requesting that your company make an exception and apply these funds immediately, so we can start the " XXXX Streamlined Mortgage which puts another {$200000.00} in the pockets of Wells Fargo '' and if not, we are requesting a full explanation along with the statute and law that allows the bank to confiscate these funds or hold them in limbo, when they could easily resolve our current situation with a simple transfer of unapplied funds. 

Wells Fargo is threatening to start foreclosure process if we do n't make the XXXX XXXX, 2016 payment. We also spoke to XXXX XXXX, XXXX, who also confirmed this misappropriation of our cash balance funds. When I asked to speak with her manager, " XXXX XXXX '', she rudely denied the request vehemently which coupled with resulting in my overwhelming distress and unnecessary upsetment causing severe emotional trauma. 

XXXX please help us resolve this amicably and simply apply the funds that our legally ours to help us start the streamline program on XXXX XXXX, 2016. We have XXXX young children with special needs and this is the only asset we still own. Please help us.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 I called bank of America customer service about my digital debit card not showing up in the phone app the employee asked me if I had ordered a reissued card after which I said no, I then questioned the employee about the unauthorized reissued card and she faked not hearing me and hung up I then visited a branch and raised up the same issue and did not get any response the tellers name is XXXX
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

Direct TV has tried to collect a paid bill for over 6 years. The last XXXX statements were dated XX/XX/2009 stating I owed {$440.00}. The invoice was paid and next statement dated XX/XX/XXXX shows the bill has been paid and the balance is {$0.00}. But yet XXXX XXXX has continued to turn the " collection '' over to many collectors.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I used a Bank of America, XXXX card XXXX months ago to purchase a plane ticket, reserve a rental car, and to reserve a hotel room XXXX. The following day I was told my card was used for fraud and they cancelled my card and would sent a replacement in XXXX days. After XXXX month I contacted them and said I had not rec 'd the cards. They then told me I had to call. I am presently in the XXXX and my address is in XXXX. The first person I spoke to said he would send the cards overnight to me in the XXXX. It was a Collect call, but I ran out of time before I gave him the address here. When I called back I spoke to XXXX different people, with each it got worse. Now they said I have to call their Credit Dept., by now I have spent more than {$100.00} on phone calls. I tried their message center, that is worse, I keep getting a form letter and told to call. Now I asked for my monthly payment amount and balance, because it looks like I 'm not getting a card. I still get no answers to my questions.
Consumer complaint received 2015-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I have had a checking account with Citizens Banks since 2006. The terms of the account was that if I have direct deposit from my paycheck the account was to be free of charge. Recently, I have noticed that I am being charged a servicing fee of $ XXXX/month. I would like to close this account and have all these fees waived since that was not part of what I agreed to. I have already cancelled my direct deposit from my payroll. I feel the charges are inappropriate and taking advantage of the consumer. 

Also, I have tried to change my name many times and they keep loosing my information. My new name is XXXX XXXX XXXX, no longer XXXX. I will attach a copy of my drivers license.
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

The credit card company withdrew 2 payments from my account without my consent leaving my bank account overdrawn. I contact them and they promised to reimburse my account in 24 hours. It 's been 4 days and I 'm charged with NSF fees. Todate, they have not returned the extra payment.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX