davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESBANCO BANK, INC. (MD)

I have a {$720000.00} mortgage with Wesbanco. I lost my XXXX XXXX during the pandemic and came to an arrangement with Wesbanco to put my mortgage payments on hold for several months. I kept in close contact with the bank and when I resumed payments I was told that I had to make a number of lump sum payments ( between 5-10K ) to account for back payments. When I completed all of those payment I thought my payments would continue as normal. Instead this is the case : 1. I receive dual statements from Wesbanco each month. One says that I owe {$5100.00} and the other says {$6800.00}. Very difficult as a small business owner, single father of XXXX children to budget accordingly. 

2. I have asked Wesbanco employees repeatedly IF the mortgage has increased, why? What would case a 25 % increase in a single year? I was told by one employee that I would be emailed a breakdown- it never arrived? I have been passed around to SIX different Wesbanco employees and no one is able to explain this to me?? All I have been told is that I need to pay Wesbanco nearly {$20000.00} more this year. 

3. I have asked repeatedly why, XXXX XXXX, a contractor that works for a Consumer Workout Group, has to MANUALLY take money from my account each month instead of software like EVERY other bank I deal with. Some months when human error occurs and XXXX takes the mortgage twice it is a real problem for me ( and can not be standard banking practice ). This is clearly a Wesbanco unresolved software issue. 

4. Why do I CONTINUE to wake up to frustrating, distracting emails informing me that I have a FAILED TRANSFER when I have MORE than sufficient funds in my account? Currently I have nearly {$13000.00} in my account yet I received a letter from Wesbanco today threatening to report me to a Credit Bureau because I have insufficient funds to pay the {$6800.00} they are demanding? 

I have tried for many months to resolve this matter. I have sent countless emails, been on the hour for hours and have spoken to more Wesbanco employees than I count. Banking shouldn't be this hard.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

In early XX/XX/XXXX, Mohela stated that payments will not be due until after XX/XX/XXXX... And the months from XXXX through XX/XX/XXXX will count toward income driven repayment forgiveness and Public Service Loan Forgiveness assuming all other requirements are met. My employer certified my employment on XX/XX/XXXX. However, the XXXX payment is marked as ineligible because deferment of forbearance exist for the period. 

This is contrary to the message they sent. As of XX/XX/XXXX, according to Mohela I am 4 payments away from full filling the 120 payments needed for PSLF forgiveness. If XXXX payment is correctly applied, it should show that I am 3 payments way from PSLF forgiveness. 

This issue is time sensitive. Once I make the XX/XX/XXXX payment and have my current employer certify my employment in XX/XX/XXXX, I will have full filled my 120 payments for forgiveness. If this issue is not resolved, it would add one additional month of payment.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TRANSUNION, XXXX, XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX ACCT # XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc. (FL)

I applied for and was granted a {$3400.00} credit limit with Alpheon last XX/XX/XXXX. They never informed me of any cancellations that come with not using the card within a certain time frame. On XX/XX/XXXX I called the company to ask them what time frame I had to use the card due to my XXXX coming up soon. On the record line the agent told me I had until XX/XX/XXXX to use my card and that the card does not have an expiration date. In XX/XX/XXXX I contacted Alpheon to request a credit limit increase and was informed that my account was closed on XX/XX/XXXX due to inactivity. Till this day I still have not received any letter of closures from the company, and if I never called them on XX/XX/XXXX my account would still be opened. I contacted the company on numerous occasions which were all recorded but still received no resolution to why my account was closed. The customer service agents hung up on me several times and after the seventh phone call I still got nowhere with them. My XXXX is coming up and my doctor already has all of the card information on file which I can no longer use for my account closure. I want my account reopened, all my phone calls to be listened to, and I want the agent who closed my account not held accountable. Keep in mind Alpheon is on my credit report along with the inquiry.
Consumer complaint received 2024-04-27
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. (TX)

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. 

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2022-12-09
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)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 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 UPDATED immediately. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I recieved a text message from a XXXX XXXX a XXXX XXXX Broker who works with XXXX XXXX XXXX  about lowering my rates for a mortgage I applied to through USAA the message had a STOP if you do not want any of these messages in the text so I did that. After about 15min I received another Text followed by 54 calls from XXXX till XXXX. all with the same thing about being brokers trying to lower my interest rates on my home mortgage. 

The info I was given via text was XXXX XXXX XXXX XXXX Broker NMLS XXXX p : ( XXXX ) XXXX c : ( XXXX ) XXXX XXXX : XXXX XXXX : XXXX a : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX After I told her I was reporting her here she gave one more sales pitch and ended the conversation then proceeded to send another text message from another phone number ( XXXX ) XXXX The calls came from these numbers 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 I give up there's too many and they keep coming I have asked them to take me off there list to stop texting and they just keep coming
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/XXXX, the vehicle balance payment was made with First Bank XXXX XXXX. This balance is made since the car would be shipped to the United States in a time of one month or less. Contact First Bank XXXX today, XX/XX/XXXX, and I spoke with supervisor XXXX XXXX since they indicate the bank has a time of 10 days to process the loan cancellation letter and up to 60 days to process the car title. Which in this case is not favorable for me as a customer since the time to send the car is less than a month. No options are provided to the client. These indicate that it is their process and they can not do anything. In that case my car would stay in PR because the bank can not deliver the title in a more reasonable time. Who would incur the expenses since I am moving to the United States in XX/XX/XXXX and I would have to leave without the car and return to work on the title. The complaint was made with supervision at First Bank XXXX and it takes up to 45 days to resolve.
Consumer complaint received 2024-04-27
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have Parent Plus Loans that have been taken off of all of my credit reports and should be off of all credit reports but for some reason Transunion continues to show them on my report which is causing damage to my credit and has kept me from being able to receive loans to improve my life and help me reestablish the Agribusinesses and everything else I lost after being XXXX in severe accident. I spoke with them on the phone and was told to give a month or 2 at the most. When nothing happened I filed 2 more Complaints through XXXX XXXX but Transunion is still showing them as open and outstanding instead of showing them as closed and paid like the other Credit Bureaus. This is causing a lot of harm to me on a personal level and keeping me from being able to improve my life since being XXXX and being able to leave the Assisted Living Facility I was in for almost 5 years.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

Mohela messed up my consolidation application by putting me on the wrong payment plan. They keep increasing my monthly payment. Went from {$250.00} in XXXX to {$610.00} ( {$190.00} for XXXX and {$420.00} for the consolidated loan on a standard 10yr plan ) in XXXX to {$1000.00} ( {$630.00} SAVE plan and {$420.00} for the consolidated loan on a standard plan ) in XXXX. 

During this time my account balance during this time actually decreased from $ XXXX to $ XXXX because I paid off some of the highest interest loans. 

I filed another application for all loans to be on the SAVE plan. Customer service stated that IF I am approved my loan payment will be around {$500.00}. Processing will take four to six weeks.
Consumer complaint received 2024-01-08
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. (NY)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

became aware of this fraudulent account on XX/XX/2022 and immediately took steps to report the identity theft to both the creditor and the relevant authorities. I have also provided a copy of the identity theft report for your reference. 
I request that you conduct a thorough investigation into the fraudulent account and promptly remove it from my credit report. The presence of this account is damaging my XXXX XXXX and financial reputation, and I believe that its removal is necessary to restore my creditworthiness.
Consumer complaint received 2023-08-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

I was approved for relief through the XXXX XXXX XXXXXXXX program in the amount of XXXX. These funds have not been applied to my account. We had two active applications for assistance opened with the XXXX XXXX XXXXXXXX XXXX. The first is application ID XXXX was approved in the amount of XXXX. Cross Country Mortgage let the Mortgage relief program know that they received the payment of XXXX and applied to our loan, but they have not applied these funds. Cross country Mortgage has stated they sent the funds back to the Mortgage Relief Program on XX/XX/23 and closed out our Loss Mitigation file. As of XX/XX/23 the Mortgage Relief Program states they have not received back the funds. The second application ID XXXX was in the amount of XXXX and was denied by MRP because it is for the secondary loan on our account and did not meet the approval criteria and would have put our total relief amount over the {$80000.00} cap for assistance through the Mortgage relief program. This information is also incorrect and Im not sure why it was denied. Cross Country Mortgage has now also taken us out of loss mitigation, and we currently have a collections department calling and harassing us daily. 
Cross Country Mortgage needs to re-open our loss mitigation file and contact the Mortgage relief program with this information to make our account current and request the funds through the Mortgage relief programs portal. We still need the XXXX that we were approved for through application ID XXXX to be applied to our loan. 

Both companies are stating the other is to blame, meanwhile, I could lose my house to foreclosure. I have done everything in my power to contact both companies and resolve without resolution. I would like this situation escalated and to be contacted for resolution.
Consumer complaint received 2024-04-27
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)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-01-08
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. (MI)

I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Transunion. However its been more then 30 days and the credit bureaus failed to send my investigation back. This is not making any sense! 

According to the law 15 U.S. code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information 's contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Hello dear CFPB, Im a full time employee and I deposited my paycheck to my checking account at WELLS FARGO bank XX/XX/XXXX, Monday. Today is XX/XX/XXXX, and my funds arent still available. All this time I cant pay my bills and any living expenses. Today is my payment day for WELLS FARGO credit card. I dont have any money to pay this card payment. Im going to miss my payment and they charge me late payment fees. Good business to keep people earned money to earn their own money, isnt it? It breaks UDAPP Act at least. 

Could you please conduct investigation on WELLS FARGO shadow and criminal practices on earning by unlawful holding of their customers deposits. Thank you!
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts my credit reports. And also the name which they are reporting under that Equifax continues to somehow " verify '' which is fraudulent ... " XXXX XXXX XXXX '' is not my name and any account opened under this name should be considered fraudulent and deleted immediately.
Consumer complaint received 2022-12-13
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. (PA)

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.
Consumer complaint received 2023-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

TRANSUNION HAS VIOLATED MY RIGHT TO PRIVACY AS A CONSUMER BY SHARING MY NONPUBLIC PERSONAL INFORMATION AND HAS CONTINUED TO DO SO WITHOUT MY CONSENT UNDER 15 US CODE 1681b PERMISSIBLE PURPOSE AS WELL AS 15 US CODE 1681a RULES OF CONSTRUCTION.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NM)

Loan was sold from XXXX XXXX XXXX to NationStar and I refinanced with the servicer shortly after transfer in response to several solicitations. With XXXX XXXX XXXX, I had bi-weekly mortgage payments automatically set to deduct from my checking account. Once transferred to NationStar, the service is not available to be honored - they utilize a XXXX party vendor ( XXXX XXXX ) however, they charge a {$290.00} set-up fee and a standard monthly service fee ( I 'm okay with their monthly service charge, as this is standard across most convenience payment platforms ) My concern is that the NationStar servicer discourages clients from making bi-weekly payments and their website only allows payments in full. NationStar directs clients to XXXX XXXX where the XXXX representatives advise that NationStar will RETURN any payments which are not for the full monthly amount due.