davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

I purchased a new construction home in XX/XX/XXXX and the loan was transferred immediately to Well Fargo in XX/XX/XXXX. During my second year of mortgage payments, I was notified by Wells Fargo that my monthly mortgage payment would increase from {$1500.00} to {$3400.00} starting in XX/XX/XXXX due to an escrow shortage. I contacted Wells Fargo several times regarding this enormous increase in payment which I could not afford. My first option given to me was to refinance my mortgage. I went through the process of trying to get refinanced only to be told that I didnt qualify for a refinance. After speaking with customer service about my next options, I was told that I could apply for mortgage hardship assistance. I went through that process only to be told that I did not qualify for this as well. I was extremely confused as to how my mortgage payment could more than double, and I was not qualified for a refinance or a hardship. After several attempts at trying to get this resolved, finally a customer service representative told me that I may divide my escrow shortage into XXXX payments instead of the standard XXXX payments making my payment {$2800.00} instead. I dont know why Wells Fargo did not give me this option in the first place instead of sending me through the inconvenience of applying for a refinance and hardship only to be denied. When I inquired about this, I was told that Wells Fargo doesnt like to offer this solution to customers. Then, last year ( XXXX ), I was contacted by Wells Fargo with a special refinance offer with a reduced rate, basically stating that I may have actually qualified for a refinance after all. So, I went ahead and did this special refinance last year and have been with Wells Fargo with almost 5 years now with a XXXX ratio of approximately 57 %. I have made 100 % on time payments, in spite of the deceptive practices of Wells Fargo. On XX/XX/XXXX, I contacted Wells Fargo to inquire about having my escrow account removed. I was immediately denied and was told that I must be in my loan for at least 2 years in order to qualify and since I did that special refinance last year then I did not meet the qualifications. I feel that Wells Fargo is using predatory and deceptive lending practices as they have proven to do in the past. XXXX XXXX requires that mortgages be over one year old to have escrow removed and Well Fargo seems to make these policies at the expenses of responsible consumers. I request that Wells Fargo remove my escrow account immediately so I can manage my own payment of taxes and insurance.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12   C.F.R. 1024.41 ( f ). The lender failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) The lender has also not responded to our QWR - Qualified Written reque st sent on  XXXX / XXXX /  2017
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Bank is reporting this charged off account on my credit report with a balance and open but was charged off XX/XX/XXXX. but showing passed due as of XX/XX/XXXX. 

XXXX XXXX Bank is in violation of the FCRA compliance by reporting inaccurate information on my credit report causing damage to my credit. The card limit was for XXXX and they now have me at XXXX which entitles me to damages under FCRA section 605 ( c )
Consumer complaint received 2024-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

I have been trying to get my deceased wife 's retirement funds released to me. Several calls and long hold times ( XXXX minutes ) only to here they need more documents or that they didn't receive the documents ( death certificate of her and her mom, beneficiary ). This has been going on for months. We were not married at the time of her opening the account, but clearly states me as her husband at the time of death.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX
Consumer complaint received 2021-10-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (NC)

Regional Finance Repoed the car, they remained on my credit and since it has been 7 years and they were to drop off my credit they sent as a debt to IRS. Falsey represented themselves for interest for 7 years on a car the repoed and a loan I no longer had.
Consumer complaint received 2023-07-17
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. (MD)

I sent XXXX Credit Bureau letters to dispute XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to XXXX and they refuse to remove it from my profile. I have spoken to agents from XXXX where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.
Consumer complaint received 2023-02-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I have sent 2 letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.
Consumer complaint received 2017-05-08
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: Experian Information Solutions Inc. (FL)

The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      2 )   XXXX   3 )    XXXX   XXXX   XXXX    4 )   XXXX   XXXX   XXXX   XXXX   XXXX  )   XXXX   XXXX    XXXX  )  XXXX   XXXX  )   XXXX   XXXX    8 )   XXXX   9 )   XXXX   XXXX   XXXX
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

on or about XX/XX/XXXX company was contacted in regards to request for account level documentation verifying the debt upon disputing with credit bureaus company verifies information but failed to respond but continues to report after stating to cfpb that " Credit Bureau Systems , Inc. received a validation request via email from XXXX XXXX on XX/XX/XXXX '' and " The account was returned to our client on XX/XX/XXXX and was never reported to XXXX XXXX 's credit. '' Company did receive a validation request however it continues to report.
Consumer complaint received 2024-01-31
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. (CA)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XX/XX/202XX/XX/XXXXXXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-07-18
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient incorrectly reported late payments to all   XXXX  (  XXXX  ) m ajor credit bureaus  (   XXXX ,  XXXX  and  XXXX   )  although the loans were approved for forbearance. Additionally, I addressed this issue with Navient on  XXXX   XXXX ,   XXXX   via facsimile and  US  mail to no avail.
Consumer complaint received 2021-10-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter to equifax, XXXX, and XXXX  in reference to incorrect information being reported on my report. I have not gotten a response from equifax or XXXX. XXXX responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. They have also failed to provide me with how they verified an alleged charge off when requested or investigate my disputes which is a direct violation of the FCRA. It is the bureaus responsibility to report accurate info at all times.
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (NJ)

I am a   XXXX   XXXX    XXXX  who partied in  XXXX . When my  XXXX   XXXX  contract ended, I attended  XXXX  University where I obtained a  XXXX  degree. To cover the cost of tuition acquired federal and private student loans. Shortly after graduation, Citibank required payment on all my private loans. For five years, I made a minimum monthly payment of approximately {$450.00}. Despite payments, every year my loan balance increase because of interest.  Citibanks  IRS Form  XXXX , indicate that I paid {$3100.00} in interest for  one of the previous tax years. I did all I could to keep my loans current, this included using my unemploym ent checks, my credit cards, and selling my financial assets  ( I RAs & stocks ). Citibank eventually sold   XXXX  of the  XXXX  p rivate student loan to  XXXX   XXXX . Since I made my payments using online banking I never realized my account was split-up.  XXXX  and Citibank used the same mailing address and the same account number to identify my account. I did n't even realize  Citibank kept   XXXX   of my loans until I started getting calls from a third party. I contacted both Citibank  and  XXXX  to help resolve this issue but I was told nothing could be done to fix the error. One manage at  XXXX  realized the error was no fault of mine and offered to contact  Citibank on my behalf but unfortunately that was the last time I heard from her. I called Citibank  and  XXXX  and they offered no solution to resolve this mistake. Shortly after acquiring my loans,  XXXX  increased my monthly payment to {$650.00}. I call  XXXX  on several occasions to negotiate a lower monthly payment, and I was told to pay {$320.00} at the due date and pay another {$320.00} before the next due date to avoid going into collections. Managing my payments that way would eventually became very problematic for me. However, I did as I was told for as long as I could, until my contract at work wasnt renewed. I called  XXXX  again to explain my situation and I also explained that I had an arrangement with  Citibank to cap my monthly loan payments at {$450.00}.  XXXX  would not offer any flexible options for repaying loans. I had to decide between, rent, and keeping my oth er deb ts ( credit cards ) current. I am not proud of my financial circumstance ; however, I feel I did all I cou ld to keep my loans from going into collections. As I write this letter I still owe over $ 40K in Federal student loans and I have close to $ 10K worth of credit card debt. I want to pay all of my debts and improve my credit worthiness but at this point in my life I dont make a whole lot of money. Outside of my private student loans, I have never defaulted on any loans or credit product. My federal student loans, credit cards, and car loan are all current. The primary reason for all this is because they were willing to offer me a flexible payment option. Today I can honestly say, my private student loans are one of the reasons for my  XXXX .
Consumer complaint received 2017-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

On XXXX XXXX, 2017, I received a letter ( see attached ) from Weltman, Weinberg & Reis Co., LPA ( hereinafter WWR ) attempting to collect a debt from their client XXXX XXXX XXXX ( XXXX XXXX ). Their file number is listed as XXXX. The first issue with the letter is that it does not comply with the Fair Debt Collection Practices Act ( hereinafter FDCPA ). The FDCPA applies to all debt collectors, of which WWR are. The FDCPA also states the attempt to collect a debt must include the verbiage of " this is an attempt to collect a debt and any information obtained will be used for that purpose '', of which this letter has none of that. I will not go into all of the violations that are present with the letter though for future legal action may be taken by me. My main concern is if this firm were to have done even the slightest bit of investigation from the documents XXXX had to have submitted to WWR they would have seen I was not liable for this debt. This debt arises out of a contractor who hit a utility line on my property. At no time when this happened was I home or operating any heavy equipment, which was noted on XXXXXXXX XXXX  investigation. In the state of PA, under PA Act 287 section 5, it is solely the contractors responsibility to call to have lines located or the one operating the excavator to call, neither of which was me. Therefore, their threat to take legal action against me is not allowed by law and is against federal law to threaten. Also, after having graduated from XXXX XXXX, and XXXX XXXX XXXX, I find it to be a little upsetting, and possibly an ethics violation, to have this XXXX XXXX XXXX use the term Partner under her name at the top center of the letter. This is misleading as if she is qualified to practice law or holding a J.D. degree. Many lay people would associate this as Partners in a lawfirm and she is holding herself out to be a Partner of what?? If they use the excuse they were not trying to collect it from me and are only going after the contractor then this letter is also a violation of the FDCPA. I find it appalling and downright illegal that a firm with this many offices can not even abide by the FDCPA. The proof is in the copy of the letter. A 1L in law school could write a better debt collection letter. My reason for filing this complaint is because this may help someone else who does not have a legal education and is taken advantage of by this firm. It is free for me to defend against these violators of federal law, but for others it may cost them their home, or car, and this firm needs to be stopped. I left a voice mail for this XXXX XXXX XXXX and I received no reply. If this firm decides to take any further unlawful action against me I wanted it documented that they were well aware if they would have done a simple investigation into the matter they would have seen that I legally owe no debt to them or XXXX under the laws of the State of Pennsylvania.
Consumer complaint received 2024-01-31
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)

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  Account NumberXXXX Account Name : XXXX Account Number:XXXX 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 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (CT)

i have been with wells fargo for over 15 years i went delingent back in XXXX. of XXXX my lawyer was able to get me state my home ct. XXXX but she said i had to complete 3 trial mortgage payments of XXXX which i did and then they would the XXXX towards my mortgage i let everything go to make those payments they said i owe XXXX on my mortgage how is that possible they did not take any of those payments off that i already made before i became pass due. but now they say i have to due more payments before they will add the XXXX they gave me a payment which is not afordable to me. in XXXX or XXXX they gave me a modification they took XXXX out of my payments to pay a lawyer for the modification and i also think i paid for other modification i am only on soc. sec. wells fargo is ripping me off i know thew have been pocket my money i am XXXX XXXX XXXX they want XXXX a month if i pay that i will have no lights no oil no tv no nothing. they are to take everything from me i was suppose to make 3 trial payments and wells fargo was suppose to add XXXX
Consumer complaint received 2023-07-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX