davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MD)

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 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

This firm represents XXXX XXXX in his modification. In XX/XX/XXXX Wells Fargo told XXXX XXXX that if he stopped making the payment they would modify his loan. XXXX XXXX comjplied and stopped making payments and in XX/XX/XXXX was approved for a HAMP Trial Modification. XXXX XXXX timely made his 3 trial payments in the amount of {$1500.00}. Then XX/XX/XXXX he was told by Wells Fargo that he would be receiving his permanent package XX/XX/XXXX. When he did not receive his permanent modification package, XXXX XXXX contacted Wells Fargo on three separate occasions and was told that they had no record of a modification. Soon after that they proceeded with his foreclosure case at which time XXXX XXXX retained our firm. 

XXXX XXXX reapplied for a modification at least XXXX times over the next years. He was denied a modification because he did not qualify for an in-house modification and Wells Fargo would not review him for HAMP because they stated he already had a HAMP modification in the past. This is incorrect because Wells Fargo never sent him the permanent HAMP modification package in XX/XX/XXXX. 

Finally in XXXX XXXX, XXXX XXXX was able to obtain a HAMP modification. He made three trial payments in the amount of XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Wells Fargo. He accepted his permanent modification in XXXX XXXX for payments in the amount of {$1700.00}. He continued making the {$1700.00} payments for XX/XX/XXXX and XX/XX/XXXX. Approximately 2 weeks ago, XXXX XXXX received his XXXX XXXX statement informing him that the payments have been increased to {$1700.00}. Last week he received another statement stating that his XXXX XXXX payment and the next 59 payments would increase to {$2100.00}. XXXX XXXX can not afford this increase and the increase does not comply with HAMP guidelines. Please help. 

On another issue, XXXX XXXX received settlement checks from his insurance company to repair the roof. He sent the first check in excess of {$4600.00} to Wells Fargo and they told him that they would not give it back to him to fix the roof. The check was cashed by Wells Fargo. XXXX XXXX has an additional check to repair the roof in the amount of {$15000.00} but this check is also made out to XXXX XXXX and Wells Fargo. XXXX XXXX is afraid to send Wells Fargo the check as Wells Fargo has not sent him any money from the first check. XXXX XXXX needs his roof repaired desperately. We need some type of guarantee that Wells Fargo will release all the funds to XXXX XXXX in order to fix the roof. If the roof is not repaired his homeowner 's insurance will increase to over {$5000.00} per year. It will double until the roof is replaced. Please help.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: THRIVE MORTGAGE, LLC (MO)

The company offers those program where you get approved for an interest only loan to purchase a new home, then they turn around - usually within a few months and do a refinance to a conventional loan. I was in a bind and feel the broker took advantage of the situation left an enormous amount of details out. Essentially, I had to pay an exorbitant amount of fees, multiple closing costs, 2 mortgages at once and none of this was disclosed and the beginning or near the end. When this was discovered they offered little to no explanation. In retrospect this practice seems predatory and deceptive. Again, I feel if they informed me of the terms before the process started, I would declined using them.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

My issue is with Synchrony Bank and their Amazon card. They offer a deferred balance option on large purchases so I decided to try it on top of my regular use of the card for regular purchases which I pay off at the end of each month. I looked into the terms prior to agreeing to deferred interest and in their terms it says I am able to pay off my regular balance in addition to the deferred interest balance each month. After making a large purchase with deferred interest I looked at the following months statement, as there was nowhere in the banks application to choose which balance to pay. Clearly in their monthly statement it says that I have to call customer service to choose which balance to apply the payment to- something that is not in their terms for the deferred interest promotion. So I called and customer service took a payment for the interest bearing balance as I requested, I then received a few days later, a notice saying that the payment could not be applied as requested ( after they took the money from my account and in a recorded call confirmed I was paying of the interest bearing balance ) and that it would all be applied to the interest differed balance first. I called customer service again and they assured me that letter meant nothing and that I would have no interest on my next billing cycle. When the next billing cycle happened, I saw an interest charge and called again. Again I was assured this was removed and it wouldnt happen again going forward, now I receive the same letter in my emails saying the payment is not going where I asked and they confirmed it was going. I feel like this is a very clear act on the banks part to defraud its customers and trick them into paying interest without being able to pay the balance off. It is in violation of everything they have said in recorded called, in their terms of service and clearly written in their billing statements.
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OM Financial, LLC (OK)

I started the application for this loan on the XXXX of XXXX but never pushed it through completely due to the website crashing and finding a better payment option. When it deposited it into my account I immediately contacted my bank to reverse the deposit and block any payments. The reversal report was stated to take anywhere from XXXX business days. The following week when a payment was processed from Patria, I attempted to get ahold of their customer support team and was finally successful. The customer service representative told me I could settle the loan for {$670.00} and my account would be closed. I asked about the payment that was processed from my account, and that I reported it to my bank to be reversed, he said that I would have to wait for my bank to process that reversal but that was it. It was never disclosed that the payment I had reversed would have to be repaid or that interest would be accruing. I have tried to settle this over email communication and have had no luck, and the representative I am speaking with, is being hostile and not supplying with me any answers other than I must pay or the loan will continue to accrue interest.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

At the very last minute, after business hours on the last day it would be possible for me to obtain a mortgage and close on the purchase of a home on time, and several weeks after the Bank of America had all the information they initially said they needed to assess my loan qualifications ( about XXXX pages of tax returns and other income information they required ), and also at least a week after the day they said they would commit to the loan, the bank pulled a " bait and switch. '' They told me I could get the loan only if I agreed to a higher interest rate than the agreed-upon rate. This rate they insisted on was 1.25 percentage points higher ( 4.75 % ) than their advertised rate of 3.5 % on that date even though I was putting down, and I put 25 percent of the purchase down. Since I would lose my {$5000.00} deposit AND the house I contracted to purchase if I did n't close on time, the bank knew I had no choice but to agree to the higher interest rate. 

I believe this may be a common practice of the Bank of America, one used to force mortgagors to accept substantially higher interest rates than those they advertise and contractually agree to. It is certainly a clever way to get around their obligation to meet their commitments and to force innocent loan-seekers into paying above-market interest rates. 

They also tried to force me -- though they eventually relented on this -- to garnish my bank checking account for a year-and-a-half 's worth of advance payments on property tax and homeowner 's insurance even though I had a long track record of paying my own taxes and insurance on other properties I own. This of course would take from me the use of my money over a substantial period of time and transfer the use of that money to the Bank of America. 

I am a senior citizen and a Bank of America " preferred customer. '' I keep about XXXX in my Bank of America checking account.
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Windham Professionals, Inc. (NH)

I work in a XXXX, Windham professionals has contacted me several times at work, as our organization uses a shared phone line, I have at times been able to set up a payment plan to resolve my student loan debts, but there is no clear way to communicate with them if their payment is drawn too early, or if I miss one, to resolve it. I know first hand the damage a debt collector can do to someone 's employment. I have an enormous student loan burden I am working to pay off with a very modest income. 

Windham professionals is endangering my livelihood with their aggressive, irresponsible and unprofessional tactics. it is very obvious when they call that they are a debt collector, as they announce such and that it is an attempt to collect a debt. They identify who they are looking for AFTER this announcement rather than simply asking to speak to me. I have asked them repeatedly not to call me at work or during work hours as it interrupts appointments and activities, requires personal information to be shared, and essentially tells my supervisor, coworkers AND clients that i am working on repaying student loans. Today a coworker forwarded a call at about XXXX while I was with a client, the debt collector repeatedly ignored my concerns and made every attempt to get me to confirm that I was unwilling to pay my loan, which is not the case, they do not call me during hours I can answer, and their return line goes to a general voice line. I would LOVE to actually arrange a resolution with them but I do n't want to go over my student loan debt and payment processes in front of a group of XXXX. The individual who contacted me today, and essentially bullied his way into a very public discussion told me that if it was important to me, I could call HIS line. I was given the number XXXX to call back which does not actually tell me who I should speak to at all. They call me during work, on my work line, which I have asked them repeatedly not to use, they do n't give me a reasonable way to return their calls and they do it during a time I ca n't even answer.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (PA)

Since XXXX i have had issues with paying my car note in full. I have had issues where there has been multiple fraudulent bank transactions amongst a company wide theft at my place of employment. To note I have been sick and having medical complications. I have asked that I get an extension due to my information being stolen and used. I am waiting on a XXXX dollar provisional credit from my checking account. I am going through a lot of investigations regarding my personal account information. Others from my place of employment have suffered as well. I asked Regional Acceptance Corp. to hold off from repossession seeing I have been a victim of theft and fraud twice in 3-4 months. They informed me that because I broke my first agreement, due to me being in the hospital, they could not pause the repossession. I stated funds would be available on Friday and within, another 3 business days. The woman I spoke to said try and borrow the money until I get the provisonal credit. This is violation and discrimination against my situation and circumstances. I have documented information and receipts regarding this hardship I have faced and still facing. I need this company to understand if there is an active investigation going on in regards to theft of personal property as well as identify theft, why would you try to still responses. Not once did anyone say let me get a copy of your documents. No one has helped me or tried to. Circumstances happen, and this one is one that I can not control. I need some help getting justice.
Consumer complaint received 2016-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BYL Collection Services (SC)

I sent BYL services a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt. It read as XXXX on my credit report. I do not know what that company does at all. 

I sent BYL services a debt validation letter XX/XX/2016 and it was delivered and signed for. XXXX attached. 
And I did not receive a response. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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: EQUIFAX, INC. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXXXXXX 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 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

This complaint will prove yet again, Wells Fargo home mortgage company, is still breaking the law. Im able to show you that, XXXX title company and XXXX XXXX are affiliates of Wells Fargo home mortgage. As stated on the Good faith estimate Providers of service page. In fact it plainly states, Wells Fargo have repeatedly required borrowers to use these providers in the last year. Proving that Wells Fargo has and is continuing to lie manipulate and defraud us as consumers! The fact that its in black and white and a response from Wells Fargo, more lies, refusing to admit their guilt, which they have been fined and avoided prosecution from the SEC, for their actions during the subprime mortgage lending period, when Wells Fargo decided no laws applied to them. They have ruined millions of American consumers with their continued illegal actions preventing consumers from being able to be compensated. Wells Fargo continues to lie and defraud. The responses we have received alone proves their continued illegal activities and actions. 
When and what will finally be enough proof? Im attaching the original Wells Fargo loan documents for the proof of their continued lies and their fraudulent actions and activities.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

I called Wells Fargo main number told them I was depositing my federal tax refund check directly from the US Treasury into he amount of XXXX would there be a hold. they took my account came back said no we do not hold federal refund checks from the Treasury. so I wrote out checks and I am to purchase a car. I go XX/XX/XXXX to deposit and on a told it 's held till XX/XX/XXXX because I have had overdrafts. Ok so have overdrafts now I will have more I wrote checks out and they are holding my money and will not even pay those checks they will be returned NSF really!!!
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgence Legal Group, PC (TX)

We found that we had a lien on our names and contacted the company who filed the lien. This company told us the debt was sold to XXXX XXXX XXXX, XXXX. Upon further investigation, we find that this company filed for dissolution. The company is no longer answering calls and we need to know what has happened to the debt so that any judgements or liens can be cleared.
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. (LA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-05-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Phoenix Financial Services LLC (FL)

collector called did not advise call was recorded or gave mini Miranda he stated i was a pt at plantation hospital asked me to confirm an address they had on file since i was not a pt at the hospital i refused to verify my address he became angry and stated i would no the balance if i opened my i asked for a mgr he hung the call i call back s/w a mgr who stated he would review the call and reprimand the employee
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: Experian Information Solutions Inc. (NY)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX customer service representative XXXX XXXX XXXX