davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (GA)

Please look at the XXXX Home Equity Line of Credit page. There are Transaction, Payments, Charges columns. When you make payments, there is no remaining balance column to see the payments applied. You have to wait until statement date or outstanding balance at the top of the page is updated which you don't when, but also since it doesn't show what it was before, you don't know if applied correctly unless you took note of what the balance was. When you have so many accounts, it is very difficult to follow or track if payment is being applied correctly. 

I am just asking CFPB to force XXXX XXXX to have one more column next to payments that shows remaining balance every we make payment. We want to see our payment history with each payment we make. If you make multiple payments in a month, it is very very difficult to track the balance without significant hassle. You just have to trust them to do the right thing or spend considerable amount of time reconciling your numbers. I have been with XXXX for almost a decade and they have never updated their website or app even once. Very shady and irritating institution.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX Late Payment XX/XX/XXXX Account # XXXX XXXX XXXX XXXX Late Payment  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XX/XX/XXXX Account # XXXX XXXX XXXX  Late Payment XXXX, XXXX, XX/XX/XXXX Account # XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (UT)

Bonneville Collections is reporting a debt on my credit file that is not mine. They are saying I owe XXXX money but I do not. I had an account with old roommates but once I moved out I cancelled all services with XXXX and paid the final bill. I am unsure as to why this is reporting.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rent Recovery Solutions (FL)

I applied for an apartment home, but got denied. When the representative called me she said if I can get it removed from my credit I could get the apartment. First of all I didnt know that charge was on my credit report until the housing company did a credit check. To date I have disputed this charge five ( 5 ) times and every time I disputed this charge each credit bureau agent that assisted me did agree it was a strange document and was not sufficient to support this remaining on my report, but each time I got denied for removal of this file. The last agent I spoke with a couple of weeks ago gave me your information and told me to contact your agency. 
I believe this file is an unfair and very inaccurate file on my report. I need help, Ive done everything, for 5 months Ive been at this, if you can help me, I need it. This is keeping me from getting a home a place to live. Help
Consumer complaint received 2024-07-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST NATIONAL BANK OF OMAHA (NV)

I took out a consolidation loan for {$15000.00} They offered to pay off my creditors. They sent the electronic payment to the wrong account for my XXXX payoff. Ive been trying to get this taken care of for months and i get no cooperation from FNBO, who I took the loan out with. XXXX XXXX XXXX XXXX and I dont need this stress. Its impossible to get a hold of someone. XXXX said they did a search and couldnt find the money. Can you please help me
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (CT)

I leased a vehicle in XXXX from GM Financial on a three year lease ( never been late on any of my payments ). I had to return the vehicle i believe at the end of XX/XX/XXXX. I ended up purchasing the vehicle in XXXX of XXXX. After i purchased the vehicle and had another loan with another company which is XXXX, several months later GM Financial started sending me letters stating i owed approximately XXXX for taxes that they paid for local taxes after the transaction was completed after the transfer was complete. They were spoken to on the phone and they were told that i don't owe that money, that there problem is with the town not me. my transaction was complete. GM Financial ended up writing off the Debt. After they wrote off the debt, GM Financial reopened my account on my credit and starting wacking my credit report and is still wacking it with all negative ruining my credit and i had a perfect score.!! They are also harassing me almost every day. Three times now, they called my husband which had nothing to do with the transaction, spoke to him in detail about my issue. He told them specifically not to contact him and they still did. Im sure they have this on recording and he will testify as to such.! My husband is not even on my checking account that writes the checks.! I have also told them i do not owe this debt. I have now had to block their number and they try to call with all kind of crazy numbers trying to get through. On the third phone call which my husband finally obtained the id number of the person that worked at Gm Financial, the woman that worked there actually was arguing with my husband that she had the right to speak with him
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TN)

I am writing to formally lodge a report against Truist Bank regarding the unjust closure of my business bank account. On XX/XX/2024, I notified XXXX XXXX at Truist that my account was being closed. I was told different information about the situation and later that it was due to alleged fraudulent activity. However, despite repeated requests, Truist has failed to provide any evidence or substantiation of such claims. This unsubstantiated accusation and subsequent action have caused significant harm to me and my business. 

As a XXXX business, I believe this action by Truist is part of a broader pattern of discriminatory practices against women entrepreneurs. The abrupt closure of my account has disrupted my business operations, strained my financial resources, and caused considerable XXXX XXXX. 

The impact of this unjust action has been profound. I have suffered financial losses due to interrupted business activities and have had to spend considerable time and resources to address this situation. Moreover, the stress and XXXX caused by this unfounded accusation have taken a toll on my mental health.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the numerous attempts I have made to rectify the issue of a late open account with your company. Despite my persistent efforts to resolve this matter, I have not received the necessary assistance or cooperation from your team. 

This ongoing delay has not only caused inconvenience but has also had a negative impact on my financial standing. I believe in fair and transparent business practices, and it is disheartening to experience such a lack of responsiveness from a company of your stature. 

I kindly request that you investigate this matter promptly and take the necessary steps to rectify the late open account issue. Additionally, I expect a thorough explanation for the delays and a commitment to improving your customer service procedures to prevent such issues from occurring in the future. 

If this matter is not addressed within the specified timeframe from the date of this letter, I will be forced to explore alternative courses of action, including filing a complaint with the appropriate regulatory authorities and seeking legal counsel. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX XXXX Balance : {$190.00}.
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (NH)

I went to XXXX XXXX XXXX  to get a loan, due to inflation and everything going up. I got approved for XXXX. I made XXXX payments and my balance was only XXXX. I said to myself something is not right. I looked at my loan documents because the interest rate is not on there website. My interest rate is XXXX XXXX. Way over my state limit by a lot. I tried to call them to get extensions on the loan and they said no. Asked why the rate wasn't on there website.
Consumer complaint received 2023-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp. (WI)

On XX/XX/XXXX I received XXXX fake bills from professional collector corporation. And on the top of that they put XXXX fake bills on my credit bureau. I already made a complaint about this. I am doing it again to show proof. The bill thats dated XXXX there is no proof of this bill. XXXX sent the Wisconsin department of financial institution all of what we supposedly owe them. XXXX XXXX XXXX sent me with all of my bills XXXX XXXX XXXX XXXX  advice showing what my insurance company paid. According to these records I dont owe anything. My health insurance had an agreement/contract which by law you cant charge the patient anything. I am going to show you what they put into my credit bureau to the fake bills that they sent us. How they charged XXXX of the bills more than {$240.00} in interest in only 1 months time according to what XXXX sent to wdfi. This is my XXXX complaint. I will make as many complaints as I have to stop them from hurting other victims out there.
Consumer complaint received 2024-07-20
Product: Credit 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: CITIBANK, N.A. (TX)

I filed a claim against a merchant who failed to deliver the services as outlined in the contract. 

I had my last contact with the vendor and the credit card issuer ( Citibank ) today XX/XX/year>. They denied the claim saying that the service was rendered. The product they provided is inferior and unusable. 

The charges total more than {$1200.00} and I have received no benefit from the charges and it is incumbent on the merchant to supply what is listed in the contract. They have failed to do that hence the dispute.
Consumer complaint received 2024-05-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Crown Holdings, LLC (AL)

I have been a patient at XXXX XXXX XXXX XXXX, Alabama for well over a decade. I have always been careful to pay my balance, sometimes overpaying because my XXXX  took too long to pay their share. Suddenly in 2024, XXXX XXXX tells me that a debt collector called " Day Knight & Associates '' has contacted XXXX XXXX about medical debts I supposedly owe, " no single one of which is over a XXXX dollars ''. XXXX XXXX cancelled my annual checkup and told me that they will not schedule me further care until I have a good status with this debt collector. XXXX XXXX then gave me contact information for Day Knight & Associates. Obviously I am not going to initiate a relationship with this debt collection company, and obviously I can no longer trust XXXX XXXX to care for me as a patient. But also, this is illegal, right? A debt collection agency can not be contacting a third party such as a medical provider about an unrelated debt, and a medical provider can not be letting a debt collection agency have browsing access to the provider 's current patient list?
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (MD)

Asked the company to wave some fees and interest that was over 16 years and growing. They will not wave XXXX XXXX. We were told this loan was dismissed in a bankruptcy 16 years ago. Have never been contacted in 16 years from the company that we stilled owned them anything and now the loan is almost 4x 's the original amount. Have been trying to talk to them and work with them for 9 months with no avail. Also was told by a few people in the industry to not pay the first mortgage since the 2nd mortgage was not willing to help.
Consumer complaint received 2024-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

On XX/XX/year>, I received an email from Mohela indicating my loans were being placed in an administrative forbearance while my payment under the XXXX XXXX  was recalculated. I called Mohela that same day to confirm that no payments would be due in XXXX, as I had already remitted my XXXX payment the day prior. On XX/XX/XXXX, I received another email from XXXX elaborating on the forbearance. In this correspondence, Mohela stated : " [ y ] ou will be removed from the forbearance once we are done applying to your account any additional XXXX benefits... we will then send you your next monthly billing statement at least 21 days before your next payment is due. '' On XX/XX/year>, I received another email from Mohela stating that my full payment amount is due on XX/XX/year>. At no point between XX/XX/year>, and XX/XX/year>, did I receive any correspondences from Mohela indicating that my payment would be due on XX/XX/XXXX. At no point in time was a XXXX notice given regarding my bill being due. On XX/XX/year>, I called Mohela and inquired about the issue. During this call, I was informed that my payment was due and Mohela would not honor the XXXX notice described in the letter sent to me on XX/XX/year>. I escalated the issue and was told that I needed to remit the payment, despite the prior notices.
Consumer complaint received 2023-08-06
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since pulling my report between XXXX and XXXX of XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts have all been removed as of the latest report pulled online with TransUnion, XXXX, and XXXX, but inquiries from these accounts are still showing, with the exception of the inquiry reported to XXXX as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (TX)

I applied for a XXXX Credit Card. I was never Informed that my credit would be checked and XXXX provided all my personal information to XXXX. Suddenly, I received a letter from XXXX, and on the same day I received an active Visa Debit card from Credit Karma Money. I called XXXX bank explained that I did not apply for a Visa Debit Card from Credit Karma Money. Was told this card did not come from XXXX and in 5-7 business days I would receive the XXXX Credit Card . I asked why did I receive a debit card I did not request. I asked XXXX does XXXX sell my personal I formation? The representative did not know. I told her that running my credit check with XXXX was the only way they would have my full name, address to issue me a debit card. The representative said XXXX doesnt sell personal information, but to call credit karma. I called them and the wanted my date of birth, social security, phone number and more. I refused to share my information. I asked the representative to unsubscribe me from receiving further information. Her replied said unfortunately if you do not provide me with more information I can not unsubscribe. That assured me that Credit Karma debit Visa card is a scam. Customer service XXXX. Please check this company and above all warn others. Thank you so much for all your support.
Consumer complaint received 2023-12-14
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. (NY)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-12-14
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. (NY)

I am writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

My husband and I are behind in our mortgage payments and Green Tree Mortgage is constantly calling us which I understand is their job. The loan rep. called my work however and told a supervisor who he was. This I think is wrong. He then spoke to my husband XXXX and told him if he gave our bank account number to him he would freeze the mortgage account at Green Tree 's level to keep us out of foreclosure. The loan rep said NO MONEY would be taken from our bank - it was simply an internal form he needed to fill out. My husband believed the man and thought he was helping us out. The loan rep took the account number and submitted some form of request for payment from our bank which overdrew our account by {$3400.00}. We have no money now with a sick husband and XXXX children. I tried to call the mortgage company to report this and was passed from person to person and told they did n't place the hold which was a bold faced lie. Then they told me my husband authorized the hold which was a lie. They kept giving me the run around when I asked to speak to a supervisor or XXXX they kept me on hold for over XXXX minutes waiting to speak with a manager. The mortgage company kept passing me through to XXXX XXXX our loan rep who was the one who LIED to us. I understand we are wrong for not paying but that is not an excuse for a mortgage company to lie about things and overdraw our bank account. My husband is sick and this is so unfair and then to be treated like my complaint was not valid made me so angry and to keep passing me back to the man who started the whole lie was insulting. Please tell me there is something that can be done so this does not happen to anyone else.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXXXXXX XXXX has again reported incorrect amounts for my Secure card to XXXX. This reporting happened again on XX/XX/XXXX. This makes 4 in XX/XX/XXXX amounts I don't owe changed on my report. XXXX states on report that the amount showing affects my score. 
So now my score has dropped XXXX points. 
I have never deposited {$1900.00} on my Secure card. 
I now as of today have a balance showing owed of {$2200.00} which is incorrect. 
I don't owe XXXX anything this is a Secure Card.

XXXX is not trying to fix their errors. They are refusing to send Secure card statements to me. 
I deposit the same amount every month to my secure credit card.

This is against FCRA Law.

Thanks for your help.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (WA)

StoneGate Mortgage sold my loan to another loan company without properly notifying me or having my approval. The only action they took to inform me this transaction is to send a good bye mail to my address when I was moving to a new place and traveling a lot for business. They never tried to call me or send me an email about this. 
I set up an auto-payment for my loan in the past few years and was never late for paying that. However, my auto-payment information was not updated when StoneGate sold my loan, which lead to late payment for 3 month and a dramatic drop of my credit score.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (CA)

I was paying on my lease almost XXXX/month and I lost my job due to health issues and I am 3 months behind, I paid month to get my account current but the BMW Financial Service want the car back until I get the amount that I owe, I tried to explain my situation but they wont help me. They turn in my account to the debt collector and asking the car back even though I paid XXXX balance to be updated. They keep calling and harassing me, family and former employee. 

I have no choice but to keep the car to find job and I am only asking if they can extend my contract for 2 months so that I am current in my account
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The Credit Bureaus are not removing this incorrect information from my credit report TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX