davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-05
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC (TN)

I have disputed a claim through XXXX through XXXX and claim number is XXXX and have not yet got flagship credit services off of my credit report I have spoke with flagship credit services and they said I have to file a claim through credit report. Anyways there was a XX/XX/XXXX XXXX XXXX I have let go back but it shows im 120 days last on a payment I have not had the car since XXXX and I am requesting that they remove it from my credit report because they ha e sold the car and have not contacted me since repossession I do n't know where yhe car is or how much it was sold for they have no right to report on my credit I am 120 days late so I request that flagship credit services be taken off of my credit.
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

received collection from Portfolio recovery XXXX XXXX XXXX, XXXX. I sent standard validation letter certified U.S. Mail # XXXX XXXX/XXXX/15 asking for the min. requirements according to the FCRA and FDCPA. 1. proof of debt with original signature saying i agreed to any such debt ( pretty basic ) 2. proof amount of debt is correct and legal requiring all credits and debits from original creditor. 3. proof they own the debt which will require the entire contract and terms between them and the original creditor. not just a bill of sale. 4 proof they are legally licensed, insured and bonded with business license numbers. I asked for this to be done according to the law within 30 days or please drop the collection and remove all derogatory markers from my credit report. Their response was an account statement with none of the burdens of the law being met. I received nothing that i had requested in accordance to my rights under the law. I also asked in my verification letter that there be no contact by phone according to my rights under the law of which they violated by calling me at my place of employment. When contacted by phone before speaking we both had agreed that the conversation would be recorded by both parties of which i have the recording. As of XXXX XXXX 2015 they still have not met the requirements of the validation letter and still are reporting this un validated debt to the credit agencies so I reached out to them and spoke with a gentleman named XXXX of which he gave me their fax number. I then faxed a XXXX page cover and a XXXX page validation letter ( the same validation letter i sent on XXXX/XXXX/15 ) again of which I have confirmation with still no response as of XXXX/XXXX/15. Today XXXX/XXXX/15 I called portfolio recovery and was on the phone with XXXX XXXX employee # XXXX for more than XXXX minutes he was a supervisor. I once again went over the letter i had send XXXX. I asked him if he could please meet the requirements of the law and the simple things I was asking for? His response was no and there was nothing he could do about removing the trade marker from my credit reports. Kind of disturbing his answer was to me about an account he could not legally verify. I know for a fact this is nonsense. This company 's actions and process 's are in total arrogance and violation to the law. There actions are a form of credit ransom where they believe they are the kidnappers and they play a game of pay and we will set you free. I am only asking that they be held to the letter of the law according to the FCRA and the FDCPA. If they can not meet the requirements then drop it and remove the marker and we both go on with our lives. I am currently contemplating pursuing legal actions against them if we can not come to some sort of compliance.
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (OR)

I traded my XXXX, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX and XXXX, the previous cars were in the possession of the dealership- therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX  kids. I requested this to be updated, however XXXX doesn't update it or respond to the dispute they simply state it is resolved. AND then as a retaliation for my disputes XXXX reported 5 accounts as charged off - these accounts have been reporting as open and past due for YEARS but now, since I disputed they updated all records to charged off - thus causing my credit to tank even more.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

In the year XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Synerprise Consulting Services, Inc. (TX)

I was a victim of identity theft and noticed a collection from Synerprise consulting services I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise consulting services in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

Several week ago I filed a dispute with Equifax to remove an inquiry from XXXX XXXX. Below is the dispute I placed with Equifax .... 
" THIS DISPUTE IS WITH XXXX XXXX. ON XX/XX/XXXX I DID AN ONLINE APPLICATION. XXXX PULLED XXXX HARD INQUIRY FOR XXXX APPLICATION XXXX AND XXXX OF XXXX. I WAS TOLD BY XXXX THAT I NEED TO CONTACT EQUIFAX. EQUIFAX WOULD CONTACT XXXX AND XXXX WOULD TELL EQUIFAX THAT XXXX OF THE INQUIRY SHOULD BE MOVED TO THE SOFT SECTION OF MY REPORT. 
Instead Equifax placed my dispute as a statement in the " Consumer Statement '' section of my credit report. After finding this out, I placed a dispute with Equifax again and wrote this ... " PLEASE REMOVE THE " CONSUMER STATEMENT ''. THAT WAS MISTAKENLY PLACED ON MY CREDIT FILE BY EQUIFAX. I WAS DISPUTING AN INQUIRY ON MY CREDIT REPORT NOT FILING A " CONSUMER STATEMENT ''. PLEASE REMOVE THE " CONSUMER STATEMENT ''. THE INQUIRY WAS REMOVED BY XXXX SOME 23 WEEKS AGO. 
Again Equifax placed my dispute in the " Consumer Statement '' section of my credit report. I do not know if my efforts with XXXX had the inquiry removed or if Equifax had it removed. 
What I would like the CFPB to do is contact Equifax and have the " Consumer Statement '' section cleared. There should be no statement from me in the " Consumer Statement '' section of my Equifax credit report. Please have Equifax send me a corrected copy of my credit report. Thank You. XXXX XXXX XXXX I have enclosed a copy of my XX/XX/XXXX Equifax credit report. Please have Equifax remove any information from the " Consumer Statement '' section of my credit report.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (GA)

Lexis Nexus refuses to give me my credit report, or place a security freeze on my credit report. Even though I have requested it multiple times and provided proof of identity. My number XXXX, and my email is XXXX for contact.
Consumer complaint received 2016-10-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (TX)

Lien Release Request : My home of fifteen years is currently in " Foreclosure '' with a Conventional Loan that has a 15 Year Balloon Payment, which has reached it 's maturity due date. I have been, met with several challenges attempting to refinance and / or modify the Balloon Lump Sum Payment that has come due. So, I decided to listed my home for sale to avoid Foreclosure. 

After doing so, I did received an offer, and entered into a contract to close on the property within 45 days or less. 

However the Title Co. revealed XXXX Liens. A First & Second. The Second Mortgage Lien had been " Written Off '' XX/XX/2012 and has exceeded the Statute Of Limitations for collections in my State. 

However the Title Co. would not complete and close the sale of my home without a Lien Release for the " Written Off '' Second Mortgage Lien. 

Both the Title Co. and myself made separate requests and follow up requests for a Lien Release to be issued. Our requests went unanswered, and the Lien Release has yet to be issued which resulted in several contract extensions, and ultimately the buyer losing patience, interest, and confidence that the " Lien Release '' would ever be issued. 

Currently the Lien Release has not been issued, but instead a statement of the amount of debt that was due at the time of the " Write Off '' which has been time barred from collection based on my State 's Statute Of Limitations laws. The Lien holder 's lack of cooperation in this matter is hindering the success of any sale or closing and my ability to avoid foreclosure.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

I have got my social security and birth certificate and California I 'd and my I 'd has been stolen once and my social has been used and does not match my name and I 'm the official XXXX XXXX XXXX my social has been used and misused without my concern and I unexpectedly get random letters or information I have n't applied for but this is my XXXX time I 'm XXXX and I refuse for my life to go down hill for something unusual I 'm not use tootoo. My I 'd has been stolen once in XXXX and my birth certificate got stolen last year of 2014 and my XXXX has been stolen from me last week. So all I have is my I 'd and that 's it
Consumer complaint received 2020-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (NJ)

I took out a {$1000.00} loan with Golden Valley Lending and the total paid to them was {$3000.00} so far. They are trying to say that I owe them in excess of {$800.00}. I want the {$3000.00} I paid back to them to serve as a settlement for a paid in full amount of the loan I took out with them.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage is below 78 % loan to value. I have been making extra principal payments each month. I want to terminate my PMI payments. Wells Fargo states I still must make payments for a minimum of 5 years. 
Is this lawful? I have about 27 months remaining to reach the 5 year point. Seems excessive.
Consumer complaint received 2016-02-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MO)

I opened a checking account 19 yrs ago with another financial institution, they were bought out several times, and just stayed. my kids opened checking accounts there too, and my name is on there 's too. I had to help one of my kids get a loan for his car, they required me to be the primary. The account was up to date and they went in and took an unauthorized car payment out of his brothers bank account without permission from any of us. He called and spoke with XXXX XXXX ( XXXX ). She told him on a recorded line that I authorized it, which was a LIE. He told her that they had no right to do that and that he wanted his money returned, she told him that because my name was on his and his brothers checking account and he did n't have sufficient funds that they took it from his. I called and talked to XXXX XXXX in Executive client relations office ( XXXX ). I told her that it was underhanded and sneaky way of doing business and that i expect his money to be returned to him or that I would be filing a formal complaint.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

On Friday, XXXX XXXX, 2016, I submitted an Identity theft report to Experian. On This account was documented in the Identity Theft report that was provided to Experian on XXXX XXXX, 2016. The account in question was for a collection company called XXXX XXXX XXXX. On XXXX XXXX, 2016 Experian removed this account. 
On XXXX XXXX, 2016, Experian added a collection account from a collection company called XXXX XXXX XXXX. XXXX is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: INTERFIRST MORTGAGE COMPANY (WI)

On XXXX XXXX I applied for a loan with Interfirst Mortgage. I provided all the necessary documentation. The process seem to start off with no issues but it took them over 30 days to provide me with a loan decision. They did suspend my loan because I was refinancing my home I live in that my father left me last year when he died. I moved back to the midwest to the suburbs of XXXX to take a job that I do remote on certain days. Prior to my dad getting sick I would travel almost XXXX miles one way to get to work so i could assist him in his XXXX state. That was more important to me than the drive. I also had a roommate situation for those days in XXXX where I had to stay over for a meeting or client circumstance. I provided a copy of the lease to show them this, however all my financial statements, bills, etc were all pointed to my home in Wisconsin. After providing the lender with the documenation that this was my primary home they decided to denied me. I do understand that XXXX guideliens on a primary home. I do not currently own a primary home. I was not even given the opportunity to have the laon restructed as a XXXX home and until this day I have not gotten any written denial.
Consumer complaint received 2015-10-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (PA)

In XXXX we applied for a line of credit with a credit union to consolidate some debts. Their search turned up XXXX line of credit loans with PNC bankXXXX XXXX XXXX XXXX old line that I thought had expired years ago. The other XXXX XXXX ) was a current line that was an active account. I called PNC customer service and was told to FAX a letter to remove the loans from the books. I decided to do these XXXX XXXX XXXX ) at a time so to avoid confusion. After hearing nothing more about the loan for two weeks, the PNC customer service person said it would take about ten days, I called again. The PNC customer service person said they never got my FAX and to resend the letter again which I did. About a week later I went to a local PNC branch office to talk to some XXXX in person about the issues I was having. While there I spoke with another PNC customer service person and she told me that the loan office had never received my second FAX. I sent another request to remove this loan from there and went home. When I got home the mail was in and with it was a letter from PNC that they had removed ( XXXX ) from the books. I was confused but happy, XXXX down XXXX more to go XXXX XXXX ). On XXXX I sent PNC the early termination fee and a message to clear and remove from the books line of credit ... XXXX. PNC 's Response was to FAX or mail a letter to them with this request so I mailed the request certified mail. In two weeks I called PNC again and was informed that they had not received my request. When I told them that I had a receipt stamped by their receiver the customer service person put me on hold and transferred me to another customer service person. This transferring me around took me through XXXX other operators. With the third XXXX I ended the call and told the operator that I was tired of being transferred around and would seek higher authority 's. 
I feel that this bank is trying to force me to stay with them by making getting a loan at another bank so difficult. And that I just give up and get the loan at PNC.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Vengroff Williams, Inc (PA)

I have been contacted by XXXX XXXX and XXXX XXXX from Vengroff Williams. They are collecting a balance that is owed by my former business on behalf of XXXX XXXX XXXX XXXX. I had been making several payments ( even more than the minimum was XXXX but was unable to pay one month. I explained to them that I was trying to earn more money and would send them some as soon as I could. The phone calls were numerous ( often XXXX a day ) and always demanded that I call them back " this morning '' or " by the end of today ''. I explained that my only contact number was my cell phone and I could not use it at work so I often could not answer or " call them back this morning '' as they demanded. I even changed my cell phone message to remind callers that I was probably on a job and could not be reached. I asked XXXX to use email as a contact method instead. The calls continued. I finally stopped answering when she left a message that she was " mortified '' that I could not make a payment at that time. Now there is a lot in this world one can be embarrassed and humiliated about, but it is definitely not that the owner of a closed business is not able to pay all her former business ' bills. XXXX also told me that I had to " take the bull by the horns '', that she was meeting with legal counsel and that the account would be " pulled from Collection ''. I have saved XXXX phone messages that she left concerning the account. I felt very threatened and was very frustrated that she continued to contact me on my cell phone while I was at work and not allowed to speak on the phone by my bosses. Work is hard enough to find and I was afraid I would not be asked back to work if my phone kept beeping.
Consumer complaint received 2020-03-22
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)

( XXXX XXXX XXXX XXXX  ) can not be validated. However, Equifax currently reports XXXX XXXX XXXX XXXX  as updated and verified. A violation. Back in XXXX of 2020 I sent XXXX XXXX XXXX XXXX a validation request. As of today XX/XX/2020 I have not received a response letter.
Consumer complaint received 2015-09-07
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMERICAN ADVISORS GROUP (OK)

The AAG commercials air constantly and my elderly mother succumbed and agreed to take out a reverse mortgage. However, in the meantime, she made me promise that I would make certain, as the oldest daughter, that I would " save '' the family home for my youngest sister. I made the promise. I did not know how sick she was ; she hid a lot from her XXXX daughters. We found her passed on the sofa on XX/XX/XXXX after I got home from work. I looked at the cost sheet for this reverse mortgage and the charges are unconscionable. Further, the funds were received on XX/XX/XXXX and she passed on XX/XX/XXXX. I did not know that she took out the reverse mortgage ; I advised against it and I thought she had taken my advice. Our family house was built in XX/XX/XXXX when we returned from XXXX, XXXX with the XXXX XXXX. Our family are the only ones to ever reside in this house. My grandmother passed in this house, my brother ( XXXX veteran ) passed in this house, my father passed in this house ( XXXX XXXX veteran ), and my mother passed in this house. I am terrified that I am going to be unable to keep our family home because of this reverse mortgage. My mother only owed a small mortgage of {$4500.00}. I could have " saved '' our family home had it not been for this reverse mortgage. I just do not know what is going to happen in the future. If there is anything you can do, please help.
Consumer complaint received 2016-11-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

My name is XXXX XXXX. I have a mortgage with wells Fargo since XXXX. My mortgage payment started at about {$1100.00} a month. Within the shortest period my mortgage increased periodically to almost {$2000.00} a month for a small XXXX. I paid this amount till XXXX till when i could n't keep up with the payment any longer. I applied for loan modification before my mortgage came down to {$1200.00}. I want to know why i was paying the kind of money and why that fast increase to my mortgage. My email is XXXXXXXXXXXX. Phone number is XXXX. Thank you.
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (FL)

I WAS A WELLS FARGO CUSTOMER FOR OVER 10 YEARS. I HAD MY ACCOUNTS AND MAINTAINED THEM VERY WELL AND IN GOOD STANDARDS. WELLS FARGO DECIDED TO CLOSE MY ACCOUTS DUE TO " IMPROPER PRACTICES '' THEY THEN CLOSED MY CREDIT CARD AND STATED THAT THEY NO LONGER WANTED MY BUSINESS BECASUE THERE WERE " FRAUD '' ON MY CC. I NEVER RECEIVED ANY CALL OF FRAUD ON MY CC AND I NEVER COMMITED ANY TYPE OF FRAUD. ALL MY ACCOUNTS WERE SHUT DOWN WITHOUT JUST REASONS AND ALL THEY CAN SAY WAS FRAUD AND THEY NO LONGER WANTED MY BUSINESS. THEY NEVER EXPLAINED TO ME ANYTHING OR CALLED ME. I CALLED ONCE AND NO ONE THERE COULD GIVE ME AN ANSWER AS TO WHAT WAS GOING ON AND THEY TRANSFERRED ME FROM DEPT TO DEPT AND NO ONE WAS ABLE TO HELP OR GIVE A CLEAR REASON.