davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (CA)

I am a parent co-signer on a student loan my son  and I obtained with Wells Fargo in 2016. 

BOTTOM LINE - I was unable to obtain current balance information using the Wells Fargo on-line account access. When I phoned Wells Fargo student loan department, I learned that detailed information regarding this account is not available on-line until loan payments become due, after graduation. I also learned that Wells Fargo does not send out any account statement, either email nor mail while the student is attending school. The only way to obtain detailed information is to phone and ask. 

COMPLAINT - It is too difficult to obtain full disclosure of current account balance, interest rate and amount of interest being charge monthly. Therefore, we can not be adequately aware of the debt we are building. This is unacceptable and I wonder if it may even be either illegal or simply not compliant with applicable regulations. 


WHO I TALKED TO : I spoke with Wells Fargo student loan department. They answered promptly and provided professional, friendly service. No compliant there. What I was told is that, ( 1 ) account information is not available on-line for student loans until payments become due - so not available while attending school, and ( 2 ) statements are not mailed our or otherwise provided. I was also informed that I was not able to set-up recurring payments using the Wells Fargo web site but that I could set-up monthly payments through a bill pay. 

Seems to me that Wells Fargo is motivated to ensure borrowers do not realize the amount of student debt they are accumulating, nor to encourage responsible financial management such as paying interest while attending school. Rather, it appears to me that Well Fargo has their executives and share holders concerns above those of the borrowers whom they are here to serve.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I have been trying since XX/XX/XXXX to get help with my 2 credit card accounts I have with Citi Bank. Our incomes have been affected by the COVID-19 virus, we are unable to pay our XXXX payment. I keep getting the " Run around ''. They say elaborate more, so I do. Then they say fill out this form-ca n't download or copy-no form available. Then it starts All over again hours and hours on hold on phone, then waiting for response from email. They have it set up so you Will Give up! Its so unfair, I have spent agonizing hours on these two cards. No other credit company or bank have dealt with during this tragic time have took this long! Company Name-Citi Cards XXXX, KY
Consumer complaint received 2022-02-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I would like to extend this complaint to this bureau as Credit Collection Services are attempting to settle a debt of {$37.00} representing XXXX XXXX XXXX XXXX subsidiary under XXXX XXXX umbrella. I have contacted them to figure out how I owe a debt when I was hospitalized from XXXX - XX/XX/2021. I was in a XXXX for over a month which I told this company to verify with XXXX XXXX XXXX XXXX, XXXX. How do you expect me to pay my insurance premium timely when my car was totaled XXXX XXXX XXXX XXXX? 

I spoke with XXXX ( XXXX XXXX XXXX ) Customer Service Department previously before this complaint and they refused to provide me a total loss statement essentially claiming they do not care and I should pay the balance for a crumbled car without remorse. This is unconstitutional and frankly illegal for an auto insurance company to tell you to pay for a vehicle involved in an accident while posting an insurance lapse on your driver record.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I settled an account with XXXX through the debt collector XXXX XXXX XX/XX/XXXX, account cleared payment on XX/XX/XXXX, and I have called and called and requested that my credit report is still not showing balance of 0 after settling. They have not sent an update to the credit bureaus. On top of that I have a pending mortgage and they are requiring a letter stating that account has been settled with XXXX. I have called several times and they are refusing to provide me a letter stating that it is settled. The verbiage is reflecting that it has been settled pending clearing of payment which was cleared months ago. I have spoke to several XXXX representatives and requested to speak to supervisors and nobody is helping. This is delaying my process in purchasing a home. I need someone to do something. I need a letter stating account has been settled with 0 balance, without extra verbiage implying pending payment. 


Also, I settled another account with XXXX XXXX XXXX with debt collector XXXX XXXX End of XXXX, payment cleared on XX/XX/XXXX. I have called TD Bank USA several times and have not been able to speak to a person to obtain a letter stating account has been settled and cleared. I received it from the debt collector but I am need one from the creditor stating it is cleared and settled. No response from them at all. Automated system leads you in circles. I need a letter  asap and mailed to me. My credit report is also not reflecting a {$0.00} balance. I have not received not one letter from TD Bank USA stating the account has been settled. 

These accounts were paid months ago and I should be able to obtain these items from the creditors. Accounts were resolved.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (IA)

I agreed to a background check for XXXX ( XXXX XXXX ). The company that did the background check was First Advantage. There was an incorrect address listed as one of my former addresses.I have never lived at XXXX XXXX XXXX, XXXX  XXXX , Ia . I would like it removed. I have never lived at that address. My son lives there.
Consumer complaint received 2022-02-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

Shellpoint Mortgage, using NewRezz LLC as a servicer, allowed mandated Flood Insurance payment under a setup escrow account to lapse during hurricane Ida. Payment was due on XX/XX/XXXX and was applied on XX/XX/XXXX making it too late to be covered by flood insurance policy. 

Lender and servicer have both ignored many emails and phone calls to ammend this issue. A letter of error under RESPA was sent on XX/XX/XXXX. Lender and servicer have yet to provide information or a number to reach a department that handles these issues.

Home was denied flood coverage due to this error. Escrow account is being mishandled by servicer and put negative without a balancing estimate and correction. 

We have attempted all avenues of resolution and are getting nowhere with this horrible situation no homeowner in a disaster zone should ever go through. We are looking for justice.
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I transferred money to a scam account without knowing it was fraud. Bank of America refuses to take action and take care of their customer. This is the third complaint i have made and they refuse to do their job and give me my money back
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$570.00}
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

XXXXMY LOAN CAREXXXX bought my mortgage loan from XXXX last year. Since XXXX I have been having problems with the new mortgage company. I have been making monthly payments and the mortgage company keeps saying they never received it. I called my personal bank and obtained proof that the money was in fact received by XXXX accordingly and they still stating they never did. Now they are charging me 4 months of payments and late fees. They have also reported me to credit bureau and has affected me tremendously. 

I have confirmation of each payment and proof from my bank. XXXX will not acknowledge my proofs. I don't know what else to do.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. 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 credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I AM A VICTIM OF THE XXXX XXXX XXXX AND XXXX DATA BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO XXXX AND XXXX WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE FALLS COLLECTIONS {$440.00} BANK OF AMERICA {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.
Consumer complaint received 2020-04-07
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. (AR)

Identity theft report from the federal trade commissions report numbers # XXXX, # XXXX. Under the FAIR CREDIT REPORTING ACT XXXX is obligated to provide accurate verification within 30 DAYS of being notified by a consumer of inaccurate/ fraudulent related accounts being reported on their credit file. It has been over 60 days and XXXX has and continues to violate the Fair Credit Reporting Act. The data furnisher which they use or e-oscar automated verification system only verifies a consumers name, social security number, and address. Any individual who has access to my personal information as such would easily be able to impersonate me and commit identity fraud. Transunion has not provided me with any physical documentation obligating me to these fraudulent accounts ( XXXX XXXX XXXX # XXXX, Office of Attorney General # XXXX. I have provided more than sufficient supporting documentation to Transunion but yet these fraudulent accounts yet still appear on my credit file. For the past several months I have be in touch with Transunion consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Transunion numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Transunion has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Transunion has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-03-16
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. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (CA)

Hello my name is XXXX XXXX and I'm call to report and egregious act against my character. I am a business owner and the misreporting on personal credit is causing me to a hardship as I'm unable to get the credit needed to further expand my business. Genesis FS card services have placed 3 late payments on my credit report, I have fully complied with every request for payment they all my information to do bank checking withdrawal, and each they come back with my bank declined transaction. I have verified with my back that know such transactions exist. I have summited a letter from my bank along with three months bank statement.
Consumer complaint received 2020-04-07
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (IN)

There are specific requirements for disclosure according to the Truth In Lending Act. There are specific requirements for section headings that are not present in the mortgage form you use. The Partial Payment Policy was not disclosed in accordance with the Truth In Lending Act prior to consummation of the loan. In accordance with Truth In Lending Act, part 1026.31 ( c ) ( 1 ), the Partial Payment Policy is one of the disclosures that should happen three days prior to consummation of the contract. Periodic mortgage statements do not meet compliance with the Partial Payment Policy since they are post consummation. Therefore, your Partial Payment Policy was not communicated to me, in the required format, three days prior to consummation of the contract and is not in compliance with the Truth In Lending Act.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (CA)

I have an outstanding amount with AMSHERCOLLECTIONSERVICES last reported on XX/XX/XXXX for a total of {$72.00}, originally from 11 charter communications original creditor XX/XX/XXXX. This is some kind of sick joke. Charter equipment was returned 0n XX/XX/XXXX with {$0.00} balance. I was never sent a bill, nor do I have a debt with any of these businesses. SO please correct at your earliest conveniecne.
Consumer complaint received 2022-02-18
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. (TX)

The following companies obtained a copy of my credit report without my authorization : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX IN - XX/XX/XXXX XXXX
Consumer complaint received 2019-04-16
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. (MD)

There was an account opened in my name in XXXX of 2014 at XXXX XXXX, before I was XXXX years old. There is also another account from XXXX XXXX that was opened. Both of the accounts are fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account. The last two accounts are XXXX XXXX which is being reported twice on my report, one as negative and one as positive and paid with the same account number, and then there is XXXX XXXX XXXX which is being reported negatively on my report and the account was closed and paid. I disputed both accounts, with no response or validation sent for the accounts. Last, I asked for validation for the collection debt from XXXX twice and still I have not received anything that attaches any of these debts to me. I have never had an account with XXXX.
Consumer complaint received 2024-03-19
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)

CREDIT REPORTING RESOURCE GUIDE : In compliance with FCRA section 611 ( a ) ( 5 ) ( D ), the consumer credit reporting industry maintains an automated dispute resolution system. This system, called e-OSCAR, is available for use by all data furnishers. 
XXXX, XXXX and Transunion all use E-Oscar, The data furnisher researches the disputed account and transmits a response back to the originating consumer reporting agency via e-OSCAR. XXXX and XXXX deleted the XXXX XXXX XXXX. # XXXX XXXX, # XXXX # XXXX. 
TransUnion refuses to even though they have received notification. They should all ues the same codes Compliance Condition Code XB, XXXX XXXX used ( Account Status Code 97 on time barred loans. If the lender reported Account Status Code t Status Code 97 ( charge-off ) during the period that it held the loan, the tradeline should be deleted by reporting Account Status Code DA. 

Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ] was amended by the Economic Growth, Regulatory Relief, and Consumer Protection Act ( EGRRCPA ) to provide that, a consumer may request a lender to remove from a consumer report a reported default regarding a private student loan, and such information shall not be considered inaccurate, if the lender chooses to offer a private student loan rehabilitation program that meets the requirements of section 623 ( a ) ( 1 ). The term default as used in EGRRCPA is not a defined term for purposes of private student loans, but the student loan industry generally regards loans that are either in collections ( Account Status Code 93 ) or charged off ( Account Status Code 97 ) as being in default. If the information is modified or delete the information is modified or deleted, e-OSCAR automatically sends a response to the originating consumer d, e-OSCAR automatically sends a response to the originating consumer reporting agency and sends carbon copies to any other consumer reporting agencies with which the data furnishers registration is active in e-OSCAR. XXXX XXXX notified the data furnisher via e-OSCAR of any account modifications or deletions as a result of the dispute reinvestigation.. 
If the co-signer of the private student loan is released from further liability on the loan, report ECOA Code T ( Terminated ) for the co-signer and discontinue reporting the co-signer going forward. 
Consumer Information Indicator Base Segment Field XXXX XXXX and XXXX Segments Field XXXX