davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CO)

In XX/XX/XXXX, I received a notice from " the Administrator for U.S District Court, XXXX XXXX, XXXX, Oregon XXXX XXXX. 
It stated that I could receive a cash payment from a Class Action Settlement against Wells Fargo Bank. The notice listed : Loan # ending in : XXXX, Loan Date : XX/XX/XXXX, Borrowers XXXX XXXX XXXX and XXXX XXXX XXXX, Vehicle XXXX XXXX XXXX, VIN ending XXXX. 
CPI Class Action Settlement Tracking Number : XXXX I emailed XXXX XXXX and she responded that Wells Fargo had started sending out refund checks and I should receive mine, Middle XXXX. Didn't come, so emailed again, should have check by end of XXXX. " ABSOLUTELY NOTHING '' Contacted FDIC to file a complaint, they referred me to the CFPB, therefore this complaint. Not my first rodeo with Wells Fargo, not paying me or a Class Action Lawsuit that they lost.
Consumer complaint received 2020-03-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

I apologize about the house. The house has already been sold to another home owner it was remodeled and re-sold. Planet mortgage has already broke even and paid the balance to XXXX. Im a XXXX veteran I can barley hear I need to purchase another home a final home in California. Planet mortgage is rendering me from that process of using my VA loan. Im no longer married to XXXX XXXX. I know she had a lawsuit on the city of XXXX XXXX for XXXX  XXXX/ or XXXX  I cant remember the lawyer name was XXXX  XXXX in XXXX  XXXX. Pain suffering from the death of her sister.
Consumer complaint received 2018-11-07
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (NY)

XXXXXXXX XXXX  claims that my son took out two loans using me as a co-applicant in XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency Williams & Fudge. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted Williams & Fudge and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and XXXXXXXX XXXX was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with XXXX XXXX but Williams & Fudge representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now XXXXXXXX XXXX attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX and I am writing to file a complaint regarding inaccurate reporting on my consumer report. Attached it my disputes to your company and my power of attorney to assure my disputes are processed without any stalling methods from your company. Since I have not received my initial disputes back from you in a timely manner I expect these to be processed and finished within 15 days of reinvestigation.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX ACCT # XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX  ACCT # XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX ACCT # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  ACCT # XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX ACCT # XXXX should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX ACCT # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX ACCT # XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (TX)

An account was opened on XX/XX/2019 that I did not apply for much less recieve a card for to run up a {$3500.00} balance. Ive never heard of XXXX ever until it showed up on my credit report. This is fraud and needs to be removed. I believe my identity was stolen when I moved from my old address. Please help
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc. (MI)

I was never provided given a repossession warning letter, nor a ( redemption notice ) which is required to be provided to me by law. My vehicle was sold in an auction within 7 days from being taken. 

GM financial continues to report false and or inaccurate information to XXXX, XXXX and XXXX XXXX credit bureaus. 

XXXX shows {$28000.00} as the original loan balance and {$29000.00} written off amount with a balance owed of {$9800.00}. Payments that I made while the vehicle was in my possession is not even listed or deducted from the original balance at all. The information being reported to the credit bureaus is false and inaccurate therefore its illegal and a direct violation of my rights. 

Please remove this inaccurate account off my credit report and I will like to be compensated for being violated by GM Financial.
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

I have graduate loans serviced through XXXX that I took during the XXXX school year. I began repaying them shortly after graduation and deferred payments for one year after going through a divorce. At the time I set up my repayment plan, I made it very clear that I was employed as a XXXX XXXX XXXX and planned on applying for PSLF. " Standard '' repayment was listed as a qualifying option. They enrolled me in that plan and I paid ( and continue to pay ) {$400.00} per month toward that plan. I got nervous at one point after hearing horror stories from colleagues that they had been paying into the wrong plan - so I called to confirm my eligibility. 

In XXXX of XXXX, I called to confirm that since I was in a " standard '' repayment plan that I was eligible. I confirmed my employer, and my payment type and was assured that was making eligible payments. 

It was not until XXXX of XXXX, after having my employer certified that I was notified that I was, in fact, NOT enrolled in an eligible plan. AND that in order to be, I'd need to pay a minimum of an additional $ 200+ per month and start over. That is not financially possible for my family, nor is it acceptable that if I DID enroll in this plan, I would pay off my loan myself and have nothing left to forgive. This has a tremendous impact on my family. I'm employed as a XXXX XXXX XXXX, so I'm not sure how they are calculating the Pay As You Earn, but they clearly do not have any idea what XXXX XXXX XXXX make. 

Additionally, I sent numerous messages back and forth with customer service reps through their inbox feature, and now those messages are no longer on my account ( that function longer exists ). 

I'm obviously livid and worried that I will be responsible to what equates to roughly {$25000.00} that I planned to have forgiven.
Consumer complaint received 2023-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received a text message from the Bank of America on the afternoon for XX/XX/2022 regarding suspicious activity by transferring money ( {$3500.00} ) to a XXXX XXXX in which I did not nor do I know someone by that name. I did not respond and immediately called the bank. The man that appeared to be an employee was actually the scammer. He said that the money was " transferred '' by XXXX and that he could reverse the amount taken. He told me to change my password for logging into my account and not to call the police, The next morning the {$3500.00} was missing from our account. I called the bank immediately and I was told that the company ( Bank of America ) had an ongoing internal breach and that this had been going on for some time. I instantly filed a claim and spoke to 11 people over the phone and one in person. Sadly, every person had a different explanation for what happened to us, including leaving out specific details and if and when our money would be refunded. We have received a letter from the Bank of America stating that they were NOT going to refund our money. We have filed a police report and are ready to do whatever we can to get our money back. 
How it started
Consumer complaint received 2023-02-05
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. (PA)

XXXX is reporting a collection from XXXX XXXX XXXX that I didn't sign for!!!!! 
they are also reporting the collection as an open account and a balance that changes often!!! 


Equifax is reporting 2 late payments to my report I disputed the child support ones from XXXX there are almost XXXX of them but I have had a wage attachment from my job since XXXX I sent them proof of this with my paystubs and sent more than XXXX letters nothing has been done the second late payment was for a credit card I was out of the country on a personal family emergency my sister was XXXX in XXXX I tried to transfer money to pay the statement bill it wouldn't let me because I was out of the country they thought it was fraud i understand that but not my fault
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (VA)

My personal information was exposed in the Equifax, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank prime loan credit builder was open without my permission and reported to my Equifax, XXXX and XXXX credit report.
Consumer complaint received 2023-02-05
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. (VA)

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank prime loan credit builder was open without my permission and reported to my XXXX, XXXX and TransUnion credit report.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

Shellpoint Mortgage Servicing took over my loan and 3 months in they are AWFUL. They keep hounding us about our proof of insurance on our condo in not acceptable to them. This is the insurance that the home owners association buys for the entire complex and has been fine for everyone else 's mortgage companies. At first they complained they didn't have a copy of our proof of insurance. Understandable since they took over the mortgage from another company. Not sure why they didn't get that from the company they took the mortgage from and make it MY problem - their new customer, but whatever. Sent them the paperwork that has worked for every other mortgage company. Second warnig said they still did not have " acceptable '' proof of insurance. After calling them, they wanted more detail information of insurance on my specific building which we provided. Final warning they said they found the hazard deductible unacceptable to their standards. ( turns out they were looking at the policy covering the wrong building - a garage and not my actual building ). Finally they sent me a notice they were putting a charge to my escrow account to pay for insurance. These people are crooks and should be shutdown. A simple websearch will tell you how bad this company is.
Consumer complaint received 2017-09-24
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. (HI)

Transunion removed inquiries then reapplied them back to my credit report.I called them about this matter and they said there was n't any record of this in there system, even though they are reporting these 13 inquiries again.The Transunion employee said there was nothing she could do to help me with this matter.So I decided to file a dispute with you hoping you could help me resolve this matter.Thankyou for any help you can provide.
Consumer complaint received 2023-05-24
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. (MN)

In response to CFPB complaint ID XXXX, TransUnion falsely states that my Vantage XXXX credit score, which decreased and dropped by XXXX on XX/XX/2023, as a result of removing and deleting the derogatory collection account from XXXX Associates XXXX TransUnion intentionally deflected responsibility for my XXXX XXXX credit score 's decrease to a third-party. This is untrue and deliberately false. I have attached a screen shot of my credit score from TransUnion itself, which shows that TransUnion itself calculated the XXXX XXXX score -- it was not calculated by a third-party company. TransUnion also falsely asserts that I am claiming they make credit decisions. I am fully aware that credit decisions are made by the credit grantor, who obtains my credit score from TransUnion -- and TransUnion 's XXXX XXXX score that TransUnion calculates. As previously stated, TransUnion deleted and removed derogatory collection account XXXX Associates from my credit report on XX/XX/XXXX. This was the only change that was made to my credit report that day. As a result of removing this derogatory collection account, TransUnion 's XXXX XXXX XXXX XXXX, provided to me as part of my TransUnion XXXX XXXX XXXX and attached as a XXXX file to this complaint, decreased and dropped by XXXX points. TransUnion is doing nothing more than passing the buck and playing the 'it 's not our problem '' merry-go-round ride. When removing a derogatory collection account from my TransUnion credit file, and this was the only change made, my TransUnion XXXX XXXX score should have increased. Instead, TransUnion 's credit scoring system is penalizing me for having the derogatory collection account deleted from my credit file. XXXX XXXX credit scoring system is a scoring system developed and maintained by TransUnion, and TransUnion is falsely and knowingly lying by saying a third-party is responsible for the calculation of my XXXX XXXX credit score. Additionally, once more, I called TransUnion 's XXXX XXXX XXXX customer service phone number on XX/XX/XXXX, and I received offshore representatives who speak XXXXimited English and did not understand the situation explained to them, because they can not clearly speak or understand English. When asked to be transferred to a United States representative and/or a supervisor or manager, each offshore customer service representative says they can not honor this request and/or they will arrange a callback within XXXX hours.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Loancare completed an escrow analysis on my home mortgage XX/XX/XXXX. However, the escrow analysis was inaccurate and will result in an increased escrow payment and a higher mortgage payment. The anticipated escrow disbursement for the period of XX/XX/XXXX through XX/XX/XXXX ( 12 months ) is {$5900.00}. This amount includes property taxes in the amount of {$4800.00} and hazard insurance in the amount of {$1000.00}. The projected beginning escrow balance as of XX/XX/XXXX is {$3200.00}. This results in a required escrow amount/escrow shortage of {$2700.00}. Loancare 's escrow analysis statement erroneously indicates a required escrow amount of {$2400.00} ( a difference of {$230.00} ). The required escrow amount of {$2700.00} 12 months results in a new escrow payment of {$220.00}. The two month required escrow cushion is {$220.00} XXXX months equals an additional escrow cushion payment of {$37.00} for 12 months. This results in a new total escrow payment of {$260.00} for the period of XX/XX/XXXX through XX/XX/XXXX. On the contrary, Loancare 's escrow analysis indicates a projected escrow payment of {$490.00} a difference of + {$230.00}. This amount was derived by spreading the anticipated escrow disbursement for the period of XX/XX/XXXX through XX/XX/XXXX over 12 months ( {$5900.00} XXXX {$490.00} XXXX. Please be advised this algorithm/calculation does not reduce or subtract the projected escrow amount/balance of {$3200.00}. In addition, this calculation would result in Loancare holding escrow funds in the amount of {$9200.00} an amount substantially greater than the projected escrow disbursement of {$5900.00}. 


To further complicate the servicing of my home loan, it appears Loancare is in the process of issuing an escrow refund in the amount of {$760.00} although the escrow account has a required escrow balance/shortage of {$2700.00}. This is improper servicing of my mortgage loan and should be remediated expeditiously. 


Due to the inconvenience, I would prefer Loancare stop payment on the expected escrow refund disbursement in the amount of {$760.00} as I will not deposit the funds into my personal account. I would like the escrow analysis to be redone with the appropriate trial balances and the new escrow payment and mortgage payment adjusted accordingly and correctly. It is my recommendation that Loancare review it's escrow analysis process and algorithm to ensure consumers are not impacted by inaccurate data and calculations. Unfortunately, servicing errors such as this commonly result in borrowers defaulting on their mortgage loan due to unnecessary increases in the mortgage payment amount.
Consumer complaint received 2020-03-06
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)

I have just recently looked over my credit report and I noticed some inaccurate accounts that are being reported on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how someone would have access to my credit report and because of this, I have no chance of gaining new credit. Please conduct a re-investigation into this issue and have those derogatory accounts removed from my credit file.
Consumer complaint received 2024-03-21
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)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit 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