davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I filed a lawsuit against wells fargo back in XXXX XXXX cases XXXX and XXXX. XXXX XXXX was the provider. wells fargo has done everything to prevent from keeping my house. The following list is a summation of the events > XXXX ) wells fargo has consistently not applied or has misapplied my payments. They misapplied at least XXXX payments from my loan on XXXX XXXX XXXX XXXX mn XXXX and have failed to rectify it XXXX ) wells fargo behind my back paid a renter XXXX dollars to vacate my property that I had in litigation XXXX ) After winning my case in XXXX XXXX. XXXX XXXX had to contact wells fargo each month for 4 months up until XXXX XXXX for them to apply my payments this did not happen until XXXX XXXX. I made my payments each month and wells fargo kept applying my payments to principal on my loan amount. I kept making my payments up until XXXX XXXX XXXX. Wells fargo abruptly stopped taking my payments and never called me and then actually through ACH forced the money I sent them back into my account. From that point on they never contacted me and refused my payments XXXX ) I was never paid the XXXX that I paid my attorneys to sue wells fargo XXXX ) I was awarded XXXX from judge XXXX to be paid by wells fargo due to the fact that wells fargo did not follow the judges protocol in reversing the foreclosure in a timely manner. This was to be applied to payments which was never done. 
XXXX ) I have had many conversations with wells Fargo ' XXXX office. the people in these office are barely college educated kids who do not understand the banking process and pander to whatever Wells Fargo want them to say.the issues never get resolved I want my XXXX dollars applied to my account : basically applied to my past due payments that wells fargo has refused to accept. I want my XXXX that was awarded to me applied to my past due payment schedule.. 

Wells fargo has caused a lot of heartache and pain and suffering since the 5 years ago when I took them to court and won my case against them and they continue to do so.They are a monster and the banking system should cause them to fail for everything they have done to people. there are numerous lawsuits against wells fargo including the recent one where they fraudulently opened accounts unknowingly for their customers. how long must wells fargo be allowed to do whatever they want and go unchecked. They are a corrupt organization. 

I want these monies applied and I want wells fargo to take my house out of foreclosure and I also want my mortgage free and clear from wells fargo I took them to court once and I will take them to court again. 

The CFPB has an obligation to take care of this for me as well as all consumers who have been tortured and bullied by this banking institution
Consumer complaint received 2023-09-12
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)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the 30 day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX MN XXXX is not licensed to collect debt according to XXXX XXXX XXXX.
Consumer complaint received 2017-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States XXXX XXXX for the XXXX XXXX XXXX XXXX, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) Bank XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX Bank, account number XXXX ; 5. ) XXXX XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX Bank, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2021-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Received email dated XX/XX/22 about my loan application on XXXX. I never authorized or initiated a loan application. This was not me. My complaint is that they are not thorough enough in their process to identify that whoever applied was not me.
Consumer complaint received 2017-09-26
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 — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

On or about XX/XX/XXXX I mailed a public records investigation request to LexisNexis. Approximately 37 days I called to request the status of the investigation, at that time I spoke with " XXXX '' ID # XXXX who said he would search for my letter and call me back later that afternoon which he did. He indicated that my request was still being investigated. At the time of that call, LexisNexis was in violation of the 30 day FTC rule. Yesterday I received a response dated XXXX XXXX, XXXX, indicating that LexisNexis " verified '' the public record. Strangely enough, my wife, myself, and another friend submitted letters at the same time. My wife who was party to the SAME public record as myself, according to LexisNexis the record was deleted ( See enclosed letter ). Another friend of ours also had the record deleted because LexisNexis could n't verify it within the FTC guidelines ( See enclosed letter ). My investigation was certainly not within stated guidelines. Additionally, in the letter sent to me from LexisNexis ( See enclosed letter ), the document shows NO BANKRUPTCY or any other public record. XXXX was unable to verify this record so I would very much like to have the method and who of this verification, or a letter to reflect what their records actually indicate which is no public record.. Please investigate this to resolution ...
Consumer complaint received 2017-09-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

The company/lender is trying to repo our car, Its the only car we have and depend on this car for work in order to pay our bills, without this car nothing gets paid and we lose everything including our home. 
We have offered to pay them {$1000.00} a month to get the loan current, that 's over {$300.00} more then the loan payment, we have asked several times for them to reconfigured the loan in order to get the payments lowered as to make it more affordable for us to manage after losing my job, they refused, in turn this resulted in falling behind with the payments, and the car ordered for repossession. 
Is there anything I can do about this and them refusing offered payments?
Consumer complaint received 2017-09-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NJ)

22 hard inquires on my credit report, i did not look for these multiple online inquires. 
all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (NE)

My account was overdrawn {$5.00} and I was charged a {$35.00} fee for everyday the account remained overdrawn. It isnt outlined clearly thats fees are assessed daily and fees being charged for having fees doesnt seem right.
Consumer complaint received 2019-08-29
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. (CT)

I'm a XXXX XXXX XXXX taking XXXX courses a semester while working a 40 hour week job. I Iost my job and could not pay my XXXX XXXX credit card ( {$2000.00} XXXX. A few months later after I was situated at a new job, I received a letter for the option to pay a lump sum of {$1400.00} in order to " settle '' my account. I paid this lump sum with the entirety of my paycheck ( s ) in the course of just two weeks! XXXX from the credit card department assisted me in taking these payments. 

I called back to confirm everything was done and I would no longer be harassed by their credit department, was told I was good to go. Of course that was not the case, not only was I still harassed, my credit report showed that just two months later, this account was " Charged off as bad credit '' as opposed to " settled '' ( XXXX ). I made a complaint and nothing happened. I also noticed the balance of the account was not XXXX, but $ 800< ( The amount not paid in the settlement ). Every month it grew higher, it's as if they lied and just took the lump sum and wanted me to pay the rest! 

I called back XXXX XXXX and was now greeted with a XXXX XXXX   named XXXX ( XXXX ext XXXX ), who kept hanging up on me after treating me like a criminal. I reported him to his boss with a recording of the phone call that received over 50 angry comments on XXXX, he did not return my call.
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Account Holder Name : XXXX XXXX Address of Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Citbank Account No. XXXX On XX/XX/XXXX I opened up a Citibank Personal Checking Account under my name, XXXX XXXX. This was for a promotional offer where I was to get {$700.00} bonus if I place at least {$50000.00} in the account for 90 days. I placed {$51000.00} on XX/XX/XXXX into my Citibank Account no. XXXX. I check my bank account online weekly. When I went to check online on XX/XX/XXXX the citibank online website said that my account was BLOCKED. I called the Citibank customer support team several times and they said that they could not give me any information and that I will be receiving in 30-60 days a letter with an explanation. I then went to the XXXX XXXX Citibank and spoke with XXXX XXXX, an account representative. He told me the same thing. Meanwhile I do not know what is going on and where my money is. 
Please email me at XXXX. Thank you very much for your help with this. My phone number is XXXX. 

XXXX XXXX
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation (IN)

On XX/XX/2019 when I was FIRST notified of this debt via a hold against the funds in my checking account, I reached out to XXXX XXXX and attempted to make arrangements to repay the debt via suitable arrangements per the rep XXXX, in my cooperative attempt I gave my info and employment info and was told can't make arrangements or even discuss the matrix or criteria of making arrangements until the amount of funds on hold with my bank was verified and she would return my call. No call was returned so I contacted her again and was told half of the debt over {$2100.00} was needed as a down payment although here were questions asked what could you make as a down payment. I offered {$200.00}. She denied. And respectfully I asked for supervisor mame. When I called XXXX XXXX the rep I spoke with advised me neither supervisor was available and that the debt doesn't have to be validated with me and a garnishment order has been sent to the employer that I had provided and that a supervisor will return my request for a call back today ( XXXX at XXXX XXXX. I have had no communication with them about collecting this debt.via mail or written
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

My existing XXXX XXXX card was transferred to Synchrony Bank in XX/XX/XXXX. Synchrony promised to have their website up and running on XX/XX/XXXX. I created a new account at Synchrony on XX/XX/XXXX so I could pay my bill online. I was able to create an account but did not have checking acct. info. handy, so later in the day when I tried to log back in ( and 12 times since then ) I get an error stating there are technical difficulties. The problem is not on my end, as I have tried logging in from 3 different devices/locations. 

I could also pay this bill via phone, but they want to charge me for doing so. I can not reach a live customer service rep at Synchrony as the phone number furnished on the XXXX website ( where I go to pay this bill ) gives me a 24/7 automated only phone line. I don't think I should be assessed a fee to pay a bill. I could also pay it by mail, but it takes 2 weeks to post. 

I contacted the XXXX customer service, Synchrony Bank, XXXX XXXX XXXX and CFPB about this issue. I have had no response. Next step will be contacting my California Attorney General 's office and XXXX corporate headquarters to let them know about these issues that Synchrony is ignoring/refusing to resolve. Why even bother to offer a website for payment if you can't keep it up and running?
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (CA)

I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC ()

I am trying to receive a monthly statement about my mortgage. Yesterday, I called twice, and was told both times that an email was sent, but no email has arrived. 
I asked if I must go through the process of calling repeatedly every month, and was told, " Yes ''. I asked for an explanation, and was told it is a rule. This does not comply with the Periodic Statement Rule of the U.S. government. 
Also there is not a way to communicate via email with this company ; this also does not comply with the rule.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC (NC)

XXXX XXXX XXXX is in violation of 15 U.S.C.1692-1692P On XX/XX/2019 ( I ) XXXX XXXX reviewed my Consumer Credit Report to discover a invalid debt from XXXX XXXX XXXX. 

I called and spoke with a person by the name of XXXX about this Invalid debt from Debt Recovery Solutions. Mr. XXXX who was both abusive, and oppressive with me ; in violation of 15 U.S.C.1692b (  2 ). 

Mr. XXXX also used obscene language against me ; in violation of 15 U.S.C 1692d ( 2 ). I then ask Mr. XXXX to remove this invalid debt from my report and to stop all collection efforts and he stated that he would refuse to do so. 

Mr. XXXX was deceptive with me in his attempt to collect a debt ; in violation of 15 U.S.C 1692e ( 10 ).
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Unatherized charge to my account on XX/XX/19. I filed a dispute and the transaction in question was unatherized and covered by seller protection so the dispute was won in my faver the case was closed and a refund was soposed to be given under seller protection coverage I won the despute and I want my money
Consumer complaint received 2019-08-29
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. (CA)

Regarding XXXX XXXX XXXX credit cards XXXX and XXXX, today, Experian responded to a dispute that the result changed nothing ... and Experian REFUSED TO REINVESTIGATE.The nature of the dispute was that the closed account XXXX was reporting open when it is closed. 
and the open account XXXX is reporting closed.THE EXPERIAN investigation did not change the incorrect status. 
I don't really care if the creditor or the bureau is at fault, I want accurate reporting and that's all. 
Tonite, because of the misreporting I have closed XXXX. 
I want no further connection to incompetence in financial matters.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax and XXXX XXXX are nor fixing the incorrect balance reported of my XXXX  XXXX XXXX XXXXXXXX. 

After 8 months equifax still showing a balance of {$2600.00} affecting my credit score and causing damaging financial issue. i ask them to fix it but after XXXX  months still no update. 

My credit balance hasnt been update to equifax since XX/XX/year>. 
If XXXX XXXX doesnt want to report they have to remove it or update it with the correct balance. 

I contact both companies but unable to fix the issue Both XXXX and XXXX  are reporting the correct balance. 
I added some screenshot below to show the error