davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (NC)

I have received a loan for XXXX associate with red rock tribal leading for {$600.00}. I told them over the phone I agree the pay {$750.00} total with the interest included. I already pay two payment one for ( XXXX ) and other for ( XXXX ). which is a total for ( XXXX ) so far. The payment comes out of my account BI-weekly. I was misleading information fees and total repayment amounts. I found out that I have to pay 5 payment for ( XXXX ) for the interest charge on the loan before I start to pay on the principle on my loan. I would be paying XXXX total on a {$600.00} loan which I never agree to. The customer service was difficult to receive help from them. I feel like this is a SCAM and they can not answer my questions and they are very difficult to talk to over that phone. they never stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I wrote Equifax three times requesting that inaccurate information be removed from my credit report. Each time they responded that the information on my report was verified even though they did not provide me with physical proof or evidence of the verification. This is in direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (HI)

We did a refinance of an existing mortgage and a new purchase of a second home in XX/XX/XXXX. I called customer service to verify if all the pre-paid interest and pre paid property taxes listed on their Wells Fargo closing statements are included on their form XXXX, year tax statements. I got differing answers on who I spoke with. I asked for a letter to document what their stand was. The letter received did not address my questions and was ambiguous. Request WF clarify if their closing statement pre paid interest and pre paid property taxes on reflected on the values of the XXXX forms for my XXXX mortgages.
Consumer complaint received 2016-12-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

I took out a loan with Big picture loans of {$800.00} and they told me that I just had to pay {$200.00} extra so {$1000.00} total. Well I have paid XXXX payments of {$200.00} now they 're saying I still owe {$1000.00} that the loan is not even paid that I 've only paid the interest. I did not agree to it being so much if I knew it would be been so much I would 've not gotten the loan so I could pay my house rent I would 've gone elsewhere but I feel scammed because I was only told I had to pay {$1000.00}
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MD)

Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my credit.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: MicroBilt / PRBC (formerly CL Verify) (TX)

I spoke with XXXX XXXX, formerly known as XXXX XXXX and their affiliates XX/XX/XXXX about a discharged debt from XX/XX/XXXX that was placed in collections. This debt was filed in Chapter XXXX Bankruptcy as of XX/XX/XXXX, and discharged XX/XX/XXXX. I spoke to them and was advised to speak to the collections agency, and attorney that it was placed with, after speaking to the collection agency, i was advised that the debt was reporting correctly as discharged. I called them back and was advised that the supervisor would be assisting me in taking care of this situation. I tried to call her after a missed call, and never received another call. I received my consumer report from Microbilt and never received a response in regard to why this showing on my credit as well as why it still showing as a debt with XXXX XXXX ( better known as XXXX XXXX ). I 've recently spoken to XXXX XXXX who stated that they were not aware of this account being in bankruptcy, which is incorrect information they were informed months ago, as well as by me last month, and then blamed my attorney stating that they were n't able to contact him regarding the debt. Everyone received a letter from the court advising them of the discharged debt. XXXX XXXX aka XXXX XXXX is no exception. The person i spoke with the manager ( XXXX ) who had a very distasteful attitude with me, because i was upset about her disregard for the fact that the company was very aware of the CHXXXX and been given time between my call early last month, as well as my dispute, still i have not received a solution.
Consumer complaint received 2017-02-02
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: TCF NATIONAL BANK (IN)

TCF BANK LOAN NO. XXXX CALLED MY WORK, HOME, CELL PHONE XXXX TIMES AFTER CEASE COMMUNICATION ORDER DATED XXXX/XXXX/2009 WRITTEN BY XXXX XXXX AND SIGNED BY XXXX XXXX. THEY HAVE VIOLATED THE T.C.P.A. XXXX INFRACTIONS AT {$1500.00} PER CALL OR {$400000.00} IN DAMAGES FINES ETC..THESE PERSISTED FROM XXXX. ALSO, VIOLATED THE F.C.R.A. TOTAL OF XXXX TIMES OVER 7 YEARS, XXXX RE-INSERTING LOAN XXXX 5 TIMES VIA CHANGING ACCOUNT TYPE, DATA, BANK HEADERS ETC.. ( SEE ATTACHED FROM XXXX ), XXXX XXXX TIMES OVER 7 YEARS BY CHANGING EVERYTHING NECCESSARY TO RE-INSERT ITEM BACK ONTO XXXX WITHOUT 5 DAY WRITTEN NOTICE TO CONSUMER. REPORT TO ALL CREDIT BUREAUS THAT THIER MORTGAGE LOAN IS IN FORECLOSURE XXXX TIMES IN 7 YEARS, WHERE THIS LOAN HAD NO LIEN RIGHTS ( SUBORDINATE LIEN ) SEE ATTACHED. 
FINALLY, TCF BANK IS VIOLATION OF THE DOOD-FRANK ACT WALLSTREET REFORM AND CONSUMER PROTECTION ACT.VIOLATED S.O.L. 8 TIMES.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30day mark and cant verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have attached document from Court House that they do n't furnish any information to the credit reporting agencies. I have also attached copy of credit report dated XX/XX/2016 results of the dispute for Tax Lien " This item has been updated to report satisfied/released. '' Also, within the 30 day dispute they sent me another copy of my report dated XX/XX/2016 with results that " We have verified that this public record item is reporting correctly. This account was never verified. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

The company stated on my request which is Case Number XXXX that a report will be mailed to me on XXXX XXXX, 2015 but I never received the report. I am requesting the report be mailed to me so I can dispute items that are not correct.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been a victim of identify theft since during COVID in 2020, I have been trying to get this issue resolved. I've submitted police reports, FTC report, license and various other information. 

XXXX, XXXX and Transunion have not blocked the information off my report as required by law. 

I have attached all the documents again to this complaint.
Consumer complaint received 2016-04-20
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TCF NATIONAL BANK (FL)

I filed a previous complain with consumer financial regarding Gateway One Lending and Finance, case number XXXX. Gateway One has sent representatives to MY HOME, contacted my sister ( as stated in my previous complaint ), however, now they have reached out to my best friend, informing her of my debt. In the company 's response to Consumer financial they insisted they would no longer contact family members, friends, or make harassing phone calls to me. They have not honored that agreement. The company has called me at least 10x '' s per day ( which I can prove with voice messages ). My husband has reached out to a representative named XXXX @ ext. XXXX informing him a payment would be made to satisfy the outstanding balance on XXXX XXXX, 2016 once we are in receipt of my husband 's monies withdrawn from his 401k. In addition to coming to my home and disclosing my personal information without my consent to my sister and friend, the company continues to make harassing phone calls, and came to my phone. I have had a car loan before and never have I experienced such harassing and aggressive action by a lender. Gateway one has also gone into my bank account without my consent or authorization, I was told representatives can hear me give consent for the lender to access my account for payment when a payment was made 2 days prior ( paid my XXXX and called representatives the same day to provide confirmation number ) to them attempting to withdraw monies. I have asked repeatedly to hear this recording, however I was told I needed to obtain a court order. I will have to take legal action if these issues are not resolved, this does not feel by their words or interactions with me, to be a legitimate lender as they often convey themselves in such an inappropriate, aggressive manner.
Consumer complaint received 2015-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (IN)

I continue to receive phone calls from XXXX. When I call back they answer " XXXX '' They are looking for someone else. I have told them NUMEROUS times I am not the person they are looking for and to remove my cell number from their records. They always say they will and then the phone calls continue. this has been going on for six months. When I call back they will NOT give out any info on the Company making the calls and Hang up on me!
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank is overcharging its customer with overdrafts fees. Every time you transfer funds from your overdraft line of credit to your checking account to cover a draft, you must pay {$12.00} per transfer per occurrence, 18 % annual interest rate on outstanding balances and {$30.00} annual fee.
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

I sent request for information, about payment, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Consumer complaint received 2016-08-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Williams & Fudge, Inc (OH)

To whom it may concern, I have been dealing with being unfairly treated by a collections agency by the name of Williams & Fudge Inc. for 4 years now. They refuse to work with me on reasonable terms of repayment and I feel I can never get out of this hole. I dropped out of college after my sophomore year because I had an outstanding balance of over {$12.00}. My single mother and I could not afford to pay back the amount in full. Loans were denied to us left and right. So with a heavy heart I joined the workforce. Due to no degree I could only get entry level jobs like XXXX, XXXX, and XXXX industry. My balance defaulted and eventually went to collections Williams and Fudge Inc., now I owe over {$16000.00}. I ca n't go back to school unless this balance is paid in full. I am currently an XXXX serving on XXXX XXXX and I believe I have additional rights with dealing with this collections agency. I have dreams of becoming a XXXX and this debt is holding me back.
Consumer complaint received 2016-02-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NM)

In 2007 I applied for what I thought was a home equity loan to do repairs on my home. I originally applied f or the loan through Wachovia Bank. Later Wells Fargo took over all the Wachovia accounts. Later, I found out the loan I received was not a home equity loan, but a home equity line of credit with compounding interest. I have made payments on the home equity line of credit loan with an outrageous rate, and I owe the same amount of money I originally borrowed in 2007!. For the last 8 years I have been trying to work with Wells Fargo, and combine my home mortgage, and home equity line of credit into XXXX conventional home mortgage loan with a reasonable interest rate, however Wells Fargo refuses to do it. I have excellent credit, have paid the loan diligently, never late, and the value of my home exceeds the amount of the mortgage and the home equity loan. I am almost XXXX years old on a fixed income, and I ca n't believe Wells Fargo will not work with me. I am not asking for a handout I have a reasonable request. Wells Fargo wrote me a letter essentially telling me to let my mortgage lapse and default on the loan. I have never, and will never NOT pay my bills. I am desperate for help. Is there anything you can do to help me?
Consumer complaint received 2024-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (CO)

I filed chapter 7 and this was included in that so I would like it removed from my credit for that reason. 

Conns XXXX XXXX XX/XX/year> {$3800.00} XXXX
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo is the servicer of my loan. I have tried for a remodification 3 times. They always ask for me to resend and update information until I am exhausted, they promise that if I get everything in, there 's a good chance, but in the end, they always find an excuse not to give it to me. In the current application for remodification, I was told that I need a higher income. I told them that I had rented out my rooms in the past and had to get rid of my renters when I could n't afford the payments and tried to sell my home. So an executive that would n't give me his name said that if I send in proof of rental income, I will get my remodification. I sent it all in in XXXX 2015. Since then I have called and called. They are doing the same thing by requesting more and more documents that I have already sent them, and it has been 4 months without an answer. They are crooks! 

In addition, this XXXX they locked me out and barred me from my own home when I was XXXX payments overdue. We did n't even go into foreclosure, no judgements made, and they came to my home and had a contractor steal my orchids, disconnect my plumbing, dirty my carpets and more. I had just spoke to they attorney about moving back in after trying to sell it and having no luck because I owed too much to pay off the loan. After fighting with them over the phone, they returned my key, but never replaced or compensated for damages and stolen items.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (TX)

HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!!
Consumer complaint received 2024-08-28
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. (PA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-09-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

i had several accounts opened for me which i did not request from wells fargo in XXXX ca and read some time ago the process was being questioned i think by the district attorney in XXXX whom i called. i was told they were only working on cases in XXXX and threw all my checkbooks, etc away ... i had paid my property taxes on an account that had no funds and was assessed over {$300.00} for a late fee and desired recourse. Is there any at this time due to the recent settlement or who do i contact? thanking you in advance for a response ...
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (PA)

Behind on loan payment by a couple of weeks. I have received 3 calls to my place of employment. Each time I 've asked for that number to be removed as I ca n't receive those types of calls at work. I was told it would be and yet they called my job again today.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.