davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (CA)

I had a second chance opportunity checking account at Well 's Fargo. The account was closed and sent to XXXX XXXX XXXX with a negative balance of {$110.00}. 

There are many error 's on my account statement 's including a deposite with no record of it. The deposite was not done by me, and I was never able to get an explanation for it. Also, my last ATM receipt show 's a positive balance. 

I'm unable to get another bank account and need my account out of XXXX XXXX XXXX The second opportunity checking account also put 's there customer 's at risk of fraud by having them enter their pin to their debit card through the automated. The account is a low risk checking account that is suppose to help the consumer with their spending, not overdraft their account 's and then refuse to let them make a fraud claim. 

Please contact me about the many error 's on my statment 's. I'm including statement 's that show a raise in my available balance with no record and letter 's about a dispute I started by mistake but was able to close it myself within the next 2 min. Well 's Fargo also claimed they looked into the problem for me but obviously did not. Also ATM receipt 's that when matched to my statement 's are different or missing and my last ATM receipt that show 's my last transacation and ending balance still with a positive balance.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file 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 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

On my Credit reports XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On my Credit reports XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.
Consumer complaint received 2019-09-16
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND BECAUSE OF THIS IT HAD CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (IL)

i bought a XXXX with XXXX XXXX and XXXX XXXX as the loan company. They told me in able to get the loan i had to sign to get gap insurance so i did i know im a little slow and stupid but when the company went bankrupt they transfered our loans to westlake financial and they informed me of a credit of XXXX for the gap ins that was isued to them when the company transferred the loan westlake has told me that they dont know anything about it and that there is missing paperwork in my file i asked them to refund me the XXXX but they dont know or dont want to because they said they can not refund it to me but they can apply a credit but i was never informed of this change.i spoke with mr XXXX from westlake financial
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I was behind in payment Ocwen offered a modification if I paid the arrears. I did and became current they inturn approved a loan modification and I was on track but in the interim they turned my mortgage over to PHH they refused to continue with the loan arrangement instead they offered a Balloon Payment with a 15 year term payments only applied to the principle and also said my wife had to be included on the loan.
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has not contacted me in regards to a loan modification. I have submitted all the paperwork that Bank of America required. I've contacted Bank of America multiple times only to be told to speak with Bank of America 's attorney. I've tried that also without a response
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (PA)

I opened a Simple account because they were having a bonus. As soon as I transferred XXXX, they locked my account.Their excuse was they can't verify me.I assure you there is no problem verifying me.I 've had all the big banks with no problem whatsoever. I immediately called and sent a message to close this account because I found this very suspicious. That would of cancelled the transfer. They WOULD NOT close it. So they stole XXXX from my XXXX account. That seems very serious to me. If I could file theft I would have. 2 days later they now have my money. I again told them close my account and return my money to XXXX. They WOULD NOT do it. Now i'm forced to send picture id, ss card picture and statements, which I did. They then tell me they can't accept the statements and send a verification letter, which I did. 9 days later my money is still locked. I called up and went off on them cursing, which is the only reason they sent me a message.Now they say the verification letter I sent has a 1 888 # and they want a direct # to a XXXX rep. After a lot of trouble XXXX called them and we did a 3 way call. My money was unlocked and I immediately transferred it back to XXXX. I told them close my account 2 wks ago and they will not close it. So i'm contacting the CFPB not only because I want my account closed but to get this corporation on record. They are locking peoples money once its transferred and using verification as an excuse for whatever scam they are trying to pull. Its very suspicious that they cant verify people AFTER they receive the money. All banks verify people thoroughly BEFORE money is exchanged. Why they will not close accounts is also suspicious. Its not just me. There is 151 complaints on the XXXX about this company that I found, probably a third are the same issue as me.XXXX knows how many more innocent people are being screwed over. These scumbags are locking peoples money for wks, months, i even read a yr. There is something seriously wrong here. If ever a corporation needs investigating, this would be it. Thank you.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

My EQUIFAX report contains inquires and collections that I do not recall originating nor do I possess document copies having my signature authorization ( s ) the same that's on my Texas Diver License # XXXX. 

Demand is made for verification or deletion of the following data : INQUIRES Report Date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX ( ID ) XXXX XXXX XXXX ( ID ), XXXX XXXX XXXX # XXXX ATTN, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX COLLECTIONS Report Date : XX/XX/XXXX Date Reported XXXX, XXXX Collection Agency XXXX XXXX XXXX   XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$310.00} Amount {$93.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAXXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION (TN)

I recently moved from XXXX to XXXX, since my bank OneWest only limits me {$1500.00} per day I have to write a check to myself so I have more available for bills, moving expenses, and other circumstances like purchasing furniture since I literally started from scratch. I made the decision of refurbishing my house, so I needed more money available. This is the reason I opened an account through XXXX XXXX. I made a check out to myself on XX/XX/14 for the amount of {$3000.00} and deposited it to my account. The money was debited from my account the following day and it was credited in my XXXX account the same day. XX/XX/XXXX, I go and check my account because I have to pay for my mortgage and my account is now - {$2300.00}!!!! Luckily I was able to pay the bills from my one west   account, I call one west and they claim that there was an issue with FIS and I should receive a credit soon. According to what they said, there was an error with the federal that it showed it was being redeposited and it came back returned even though it was debuted from my account 2 weeks ago. I had a conference call with both banks and XXXX had no idea what is going on. Its now 2 XXXX weeks and my account is still negative {$2400.00} now because of overdraft fees. I have had to borrow money from people to pay my bills and Im limited on funds. This is a complete embarrassment!! Im Pennie pinching and I can not get these resolved! I am in the hunt for an attorney! The bank can not give me a straight answer, I called yesterday and they tell me now that One west   is going to cut a check to send to XXXX XXXX. I asked for a tracking and they can not give it to me! This has been a complete nightmare for my family and I and will close this account as soon as this gets resolved but for the meantime I have no idea what to do financially!
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

This complaint is about tricks and techniques being used by a Mortgage Company to take away a piece of property occupy by an elderly man and XXXX children a girl XXXX years old and a boy XXXX years old after their mother passed away in XX/XX/2019. 

The type of problem that I am having is the Mortgage Company is charging some fees in advance without any research about how much money we have coming in the house which for years we have been participated in some programs and what the numbers are that's what they are, and after being giving us several payoffs, now they try to change their minds by forging numbers. 
And also try not to recognize me as the owner on the deed. After death of my wife which I have been always the payer for the Mortgage, now they are charging many junk fees by raising the Mortgage Payments and they told me that I am not authorize on the loan and also they don't want to accept payments from me and I have been paying for near 15 years. 
What happened They need to foreclose on us by forging numbers, jacking the balance of the loan, blocking my monthly payments, telling me that I am not Authorize on the Loan. many Documents I sent always come short. PHH Mortgage an Ocwen Mortgage Company. I just made a payment on they Website, they took down our page so we wouldn't be able to make payments so they can foreclose take our house.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Finance LLC (KY)

XX/XX/XXXX American Finance LLC located at XXXX XXXX XXXX XXXX XXXX, DE XXXX took a hard credit inquiry for an auto loan with out my expressed, written or implied consent. The business relationship with this company and myself had ended XX/XX/XXXX. Despite this dissolution of our dealings and the statute of limitations ( seven years ) ending all pursuit of repayment the company has decided to inappropriatly and illegally access my credit report for a line of credit, an automobile, or some other purpose. I am 800 plus miles away so how I would actually drive the vehicle or sign any documents related to the purchase of said vehicle is unclear. This company has caused further damage to my credit among being dishonest regarding how much they were repaid. They have garnished wages which I ironically lost a job directly after they had pursued repayment this way, sold the vehicle at an auction, and basically stalked and harrased me. I want this to end I am not a criminal or their only client. It has been 7 years and legally speaking they are supposed to stop this. This is step one of many in ensuring they leave me alone.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : 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 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Me and my wife made reservations to XXXX XXXX in Arizona in XXXX of 2019 because it is the only way to ensure you can get a space. We only had an opportunity to go in XXXX XXXX 2019 ; however, at this point in time we financially can not afford to continue with our reservation so we cancelled it online which is the only option and that was successful. The other item which was the mule pack on XX/XX/XXXX and XXXX can not be reimbursed and there is no number to call or email to have someone reach out to you. I have not utilized the services and I was originally charged without my consent anyway. I am extremely frustrated because my bank is not giving me an option to even file the claim for a service I have not even received yet and will not be using now. 

My XXXX XXXX card was charged on XX/XX/2019
Consumer complaint received 2019-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MA)

on XX/XX/2019 I called in to Sallie Mae to continue my Forbearance with them and to pay on a loan that was due for {$120.00}. I asked the representative why the amount is higher than what i was told at the beginning of the month. She then continued to ask how i would like to make the payment. I Advised that i was told i only owed the XXXX not the XXXX they are trying to say. The representative then told me " she's not doing this back and forth thing with me and she is just trying to do her job '' I advised i didn't need her attitude and that i am asking her why my payments are higher than previously stated. She continued being very rude and transferred me to a manager who continued being just as rude to me. Their customer service is completely disrespectful and need to be held accountable for their disgusting actions.
Consumer complaint received 2019-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

XXXX XXXX XXXX closed for committing fraud on peoples loans. They were overcharging and pocketing the money. I was lied to by admissions staff and I feel like I was taken advantage of.
Consumer complaint received 2019-09-13
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. (FL)

submitted a dispute describing multiply violation on credit report but yet still Experian claim to certify that the account is reporting accurate. How can a report be accurate when on a chargeoff account its still reporting late payments months after the account as been closed, also showing a past due amount and a usage amount, these are major violations, a charge off is a closed account and should not be reporting a past due and monthly late payments.
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I requested a validation of the debt from collection agency Portfolio Recovery Associates, LLC. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g. Portfolio Recovery Associates, LLC failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with Portfolio Recovery Associates, LLC. The collection agency is in violation of the Fair Debt Collection Practices Act.