davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (AZ)

XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ). I WAS NEVER NOTIFIED. My autopay was subsequently not changed to reflect this change. The loan was reported to credit bureau as not paid. Please see attachments. Thank You
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2021-08-30
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. (CA)

In XX/XX/XXXX, I noticed a car loan was taken out in my name from XXXX XXXX XXXX. I have never done business with XXXX or its partnerships. I have filed many police reports and FTC reports trying to dispute this account as identity theft. I have been fighting ID Theft since XX/XX/XXXX. I am trying to get loans and establish business credit but this account is affecting my financial abilities.
Consumer complaint received 2019-01-30
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX CARD NO.XXXX IS REPORTING AS DISPUTED, THIS ACCOUNT SHOULD BE OPEN PAID IN FULL NEVER LATE.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I believe a XXXX XXXX credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Barton Law Group, LLC (IL)

As of XX/XX/XXXX I have a gotten a letter stating of a debt that I owed in XXXX, I have contacted them as soon as I got the letter. The company that represents XXXX XXXX are THE BARTON LAW GROUP LLC, Spoke with several people always giving me the runaround about the Debt I asked what I have to pay to clear the Debt each person I talk to gave me different numbers try to set a payment plan with no paper Trail so I sent them a Debt validation letter through a credit restoration company I hired no response in getting back to them they responded in recieving the letter but no one was wrote back to me.I spoke to young lady named XXXX telling her that i would like to do a settlement she said I can do it I have to come up with a price and she let me know if its approved or not, I don't appreciate verbally getting this debt resolved through this law office, I need some help with this debt getting this cleared up because there are giving me the runaround.
Consumer complaint received 2015-04-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (OK)

We needed money to pay the rent, car, and food for the two months I was without a job. I am not educated with money and we needed money really bad. I borrowed XXXX dollars from XXXX XXXX / Cash Call. There was instantly a XXXX processing fee, so I basically borrowed XXXX. Since XXXX 2013, I have been paying XXXX dollars per month. Today, I still owe Cash Call 2500 dollars. The interest that I am paying against is evil. I will never be able to pay this off. To date I have already paid approximately XXXX for a 2300 dollar loan. I do not know what to do. I have paid XXXX the principal of the loan. And I still owe them XXXX. I did not know that this loan would be literally putting me in a mountain of revolving debt that I will never be able to pay off. I would like to report them for convincing me to take out this loan. This is a scam. This has caused major hardships for me and my family. We need your help.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2021, I went to Wells Fargo branch in XXXX XXXX Texas with my young daughter. I was in Texas due to my mothers ' passing away. I went into the branch to do a cash advance from my unemployment card of {$480.00}. The individual was a female and a service manager. She asked if I was a member with a checking or savings account and I replied no. She asked, how can I help you? I said, cash advance off my card. She asked the amount and I said {$480.00}. I noticed that she had trouble with the computer as she was keyed in my drivers ' license. She asked why was I in Texas and I said my mother died. She then went into her draw to grab the cash and I turned around to look at my young daughter who was seated in the lobby to check on her. As I turned back, I saw only {$400.00} and couldn't see the rest and I asked that the money be out of the envelope. She placed it in the envelope and sealed it. I left the branch with my receipt and the envelope. It was late around XXXX XXXX  that I was at a drive through to buy dinner for my family and opened the envelope. I saw that it had only {$420.00}. I was so upset and wished that I could go back to the bank but it was after hours. Therefore, I tried going in the next morning when they opened. I approached a teller and told her what happen. I saw the same individual and she began to say I gave you the money yesterday. I told her that it was short by {$60.00} and that to pull the tapes. It became a he say she say because she started to count her draw as if the money would have showed up that morning when it would had been last night. I was so incensed at her unprofessionalism and her alledging that I lied to make more money. When she called the escalation team that is what she told them and it upsetted me. I want Wells Fargo to rectify this problem asap.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, I sold my car to XXXX. Due to issues with Chase bank they could only give me a paper check. It was too late in the day to deposit it, so I got a ride up to Chase the next day. I deposited the check with a teller. The receipt said the funds would be available on XX/XX/XXXX. The teller said I could probably call the call center and have it released sooner. With this information, I rented a car, expecting the funds to be available sooner. I called on Monday when I saw it was on hold until the XXXX. They said that there was a hold and nothing could be done. I called again on Tuesday and spoke to them as well as a supervisor who said the same thing, so I went up to the branch where I deposited the check. The teller there confirmed that XXXX XXXXXXXX had paid the check, but Chase still refused to release any of the funds. I called up again twice today, the first operator said to give it time ( half hour to 2 hours ) to see if whoever makes the decisions allows it to release, about 3 hours later I call again and I'm told there is Noone I can speak to about the decision to hold my funds. I operated under the assumption I would have these funds and they are refusing to work with me.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

From what I understand, FCRA 605B dictates the exclusion of any inaccurate accounts from my credit report. Could you please inspect the documents? There seem to be discrepancies in some of the listed accounts, and it's making me feel uneasy.
Consumer complaint received 2021-08-30
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: Experian Information Solutions Inc. (GA)

Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (GA)

Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.
Consumer complaint received 2019-12-05
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. (GA)

For over 10 years, Transunion has had my credit account listed to another individual who has a terrible credit record. So because they think I'm she, I'm the one that gets harassed and threatened by the collection agencies that are trying to collect on her bad debt. I even moved to try to escape it and it has followed me here. I have spoken to Transunion multiple times over the past and sent letters ( my bad, they were not certified ). All correspondence I get from them continues to be under her name. I have no debt. I owe no one, yet this woman and Transunion who is totally complicit in this, are ruining my credit. It is truly an astounding story of mis-identification which is too long to go into here. I just want my name back and separated from hers. I have frozen my credit with XXXX and XXXX  but can not do so with Transunion as her name is on my credit record. The mental anguish this has caused is unbelievable. Please help me if you can.
Consumer complaint received 2024-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX, and Wells Fargo has victimized me since XXXX. They have violated me with every claim in every class action lawsuit, and I am still fighting. I am exhausted, about to have a XXXX XXXX, and I need help and justice as they will not stop sabotaging my life. 

I have spent years suing them and searching for justice in XXXX XXXX Wells Fargo XXXX # XXXX ( no longer available in online public records ) which led to WF receiving default judgement due to the courts not accepting my mailed responses and filings due to title verbiage and time lapse. 

I have now been fighting WF again in # XXXX XXXX XXXX XXXX? XXXX and trying to get the courts to recognise the class action lawsuits and all of the fraud, account mishandling, and the irreversible destruction of my account and my life for the past 17 years. 

Please, you will see that they unlawfully listed my home for sale in XXXX, placed monthly inspection fees, redlined, failed to apply payments, failed to appropriately apply partial payments, returned thousands of dollars, created bogus fees, unknown charges, held money in a suspended account, verbally approved the XXXX program then denied it through the process, placing me on a forbearance plan for 1year, advising me not to pay certain months, and not making timely or correct adjustments/corrections as required by the class action suits, etc. 

They are serial offenders and it seems like the end is nowhere in sight. With the harassment and foreclosure notices on the property it led to my handyman deciding to squat in my home to ride out the Covid Pandemic and up until foreclosure, forcing me into a homeless status as the police advised that squatting was a civil case. The squatter did lots of damage breaking in and leaving the house exposed to the outdoor elements in XX/XX/XXXX. During the investigation stage WF reported that the home was vacant to the homeowners insurance company which has left me with thousands of dollars for the completed water extraction, repairs, and resulting in the cancellation of the policy. 

Please, this is just a little grain of sand to what I have been dealing with! 

This needs exposure, I need help and intervention, I need someone to step in as the judges in the case keep changing and Wells Fargo 's attorneys keep changing as well. Everyone keeps changing which makes the case as a whole impossible to keep up with due to its severe complexity. The judges in the State of XXXX do not have the tools or knowhow to deal with a case like this and I fear having to live the rest of my years feeling violated and without a drop of justice. 

Please help!!! You are my only hope! Please take a look into my claims within these cases, all of which have been charged in class action lawsuits, but nobody seems to find any legitimacy or weight and WF continues to fight and deny it all! 

I need you! PLEASE HELP! If you can't help, PLEASE FORWARD THIS EMAIL TO SOMEONE WHO CAN!
Consumer complaint received 2021-08-30
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: ZIONS BANCORPORATION (TX)

Bank Instituted a new review process for existing credit card holders and although my payment history was unblemished. The bank elected to close out my credit card without giving me the opportunity to pay the account off first ( they snail mailed a letter on XX/XX/XXXX, a Friday and closed the account on XXXX the XXXX, a Wednesday ). This resulted in the account being reported as " closed by credit grantor, with an outstanding balance '' which immediately lowered the joint account holder 's credit score by 50 points. While I understand that the bank has the right to revoke our relationship based upon information obtained from outside sources ( third party credit reporting agencies ). My contention is that the bank should have provided us with an opportunity to pay the account off and close it prior to reporting derogatory information to the bureaus.
Consumer complaint received 2021-08-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I XXXX XXXX entered into a consumer credit with Citizens Bank NA on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Citizens Bank NA made me purchase insurance separately.
Consumer complaint received 2021-08-30
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: Santander Consumer USA Holdings Inc. (GA)

Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the Chrysler capitol on XX/XX/XXXX. I have not received a response.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CA)

In early XXXX we were informed that our loan was sold by XXXXXXXX XXXX to Freedom Mortgage. The loan transfer was schedule to take place on XX/XX/XXXX, which was also the day our XXXX payment was due. We were told we would have the information necessary to make our payment before our payment due date. When we did not have that information by the XXXX XXXX of XXXX we contacted Freedom Mortgage. We were told that information would not be available until some time after the loan was transferred, which was also after the payment due date, and that we could not pay on the loan until that information was available. Rather than incur late fees and interest we chose to make an early payment to XXXXXXXX XXXX, sent on XX/XX/XXXX USPS Priority Mail ( tracked ). That payment was received by XXXX on XXXX XXXX and, according to our letter from XXXX, well in time for it to be processed and credited to our account before the mortgage was transferred to FM. At the same time we made a Qualified Written Request of FM, informing them of our action, asking for loan and payment information, and requesting that late fees and interest be waived during the time it took for the loan to be transferred. FM has not responded to that XXXX In the meantime, XXXX did not credit our account when they transferred it to FM. When we received the ability to review our account with FM and noted the missing payment we contacted FM, which refused to inquire with XXXX after the missing payment. We then contacted XXXX ourselves, who sent the credit to FM via XXXX. It was received and signed for at FM on XX/XX/XXXX. We informed FM of the XXXX XXXX XXXX and XXXX 's record of who at FM signed for the payment. Today - XX/XX/XXXX- we were informed by FM that they will need to " investigate '' the payment and will be unable to get back to us before XX/XX/XXXX, which is well after the grace period on the loan payment. To avoid payment penalties and additional interest we must make an additional payment to FM while they " search '' for a payment that they signed for.
Consumer complaint received 2021-08-30
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. (NC)

I had fraud alert on my three credit reports however somebody was still able to get up to 45 inquiries on my equifax I wrote and disputed it and told them it was fraud the other agencies helped me and removed them however equifax argued with me transferred me four times and then the manager hung up on me ultimately which was discouraging
Consumer complaint received 2019-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

My loan transferred to Carrington Mortgage Service XX/XX/XXXX. Since then it has been extremely difficult for me. I didn’t receive any statements until XX/XX/XXXX. I’ve called and talked to 4 different people with 4 different stories in which no one could help me. 2 different times a supervisor was supposed to call me 1 week ago and now 2 days ago. My old mortgage company was working with me and even though I am behind, let me still make 1 payment a month. Now since my loan was bought out I suddenly have to make 2 payments in which I can not do at the time. They will NOT accept my 1 payment I’ve tried to make 3 times. I feel that this is highly unfair. I feel as if they are trying to just take my home and make it difficult for me. Also my payment was supposed to go down close to $XXXX  starting in XXXX   according to my old servicer. Keep in mind that “everything from my previous company stayed the same” but Carrington is telling me that my payment did not go down when I have the documentation to prove it. I feel cheated and like no one knows anything about my loan. I can not get answers or anyone to call and help me. Especially after I wait on hold for 30 min to speak to someone. Someone that specializes in my loan is never available.  I am mad that my loan was transferred and strongly dis-like Carrington Mortgage Service considering how I’ve been treated. I never ever had a problem with my previous mortgage company and they could ALL help me and actually called back.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (VA)

Good Evening, I am complaining against NATIONAL CREDIT SYSTEM for using depictive tactics to collect a doubt that I was never notified of until more than a year and a half later on an apartment. 

Back ground : I resided at XXXX XXXX XXXX for 4 months in XXXX XXXX for an internship. I moved out on XX/XX/XXXX. I turned my keys in then. Electricity was turned off as well. I forwarded the mail in case there was any bills. 

I never received a notice of any past due items from the apartment, as required by the Tax law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX page 20 ). 

I since then moved to XXXX  to work at the XXXX, and during telework I received a call ( on XXXX ) saying that I was in collections from National Credit system using a Florida number ( XXXX ) XXXX for an XXXX company. On the XX/XX/XXXX call after being told that they did not have to prove that the date was correct ( XXXX ) for the move out, I told the collections company to only contact me through the mail. They have since contacted me from the Florida As stated on the phone with XXXX XXXX on XX/XX/XXXX, I contest these charges. I gave notification on XXXX that I was moving out in 30 days. I actually turned in my keys on XX/XX/XXXX, before I had a job interview at XXXX. I paid rent completely through XX/XX/XXXX ( attachment 1 ). At that point all fees associated with normal day to day living ( for all previous months ) had been covered. 

The fees that are being charges are padded and I told XXXX XXXX on XXXX that. Case in point, On XX/XX/XXXX I received an email ( from XXXX XXXX ) saying I owed until XX/XX/XXXX, in which I responded back that I only owe 30 days since I was not under a lease. I also asked for a prorated cost of the 5 days and never received a response ( attachment XXXX ). I will not pay a late fee associated with this since the request for a prorated bill was requested beforehand. 

I dispute all charges, including charges such as a VCR. XX/XX/XXXX does coincide with the date I stopped electrical service. With the charge from XXXX stopping the Monday after I moved out, this does give evidence that the Landlord knew I was no longer residing at the residence and notice the electricity was in their name. Which they did not legally This bill has been padded and is not correct. As I told them on the call. I also submitted my contestation of the debt to the email account that they used. 

Besides the business trying to collect a debt they are not legally able to, I believe they are using deceptive practices ( numbers from outside of their state ), not allowing email communication even thought they verified the debt through email, and