davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo admitted on XX/XX/2021 that they do not have any original loan documentation in their possession. They have failed to provide me the debt verification that I requested. Please stop sending me copies of a contract, copies of a online credit application and copies of database transactions. As those documents are not proper validation by law pursuant to 15 USC 1692 ( g ). Please remove this unverified invalid account from my credit files immediately.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

On the XX/XX/XXXX, I was contacted by Chase Bank saying that my account was compromised by someone trying to take money out using XXXX. I had to go into the XXXX branch and I closed my account that I had for 20 years I open a brand new account. The banker asked me were all the charges are my old account valid and I told her that several charges from XXXX XXXX were not valid and were unauthorized because that account was compromised also. I closed that account along with several other accounts that were also compromised and used XXXX XXXX XXXX XXXX to close all the credit cards accounts that were compromised and credit one monthly payment to pay the remaining balance. The teller then transferred all my remaining funds to the new account and told me that the account would be officially removed in 60 days. On XX/XX/XXXX, I noticed that Chase Bank had withdrew the negative balance from the old account from my new account. I immediately called their Claims Department and spoke with several representatives from the Operations Loss Prevention and Claims Department and was told that the situation was an error on Chase Bank behalf and everything will be taken care of. I began to call claims and spoke with several supervisors and was told that each case will be notated on my file. While checking my account today Chase has once again taking money out of my account without any authorization, and I was told that there was no notation taken on my account previous to XX/XX/XXXX.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX put me on a hardship program due to the pandemic and they have reported me 30 days later and have completely ruined my credit. I have been in constant communication with them throughout the months and have not stopped paying the minimum they have asked of me. I am currently going through the process of getting my XXXX  claim reprocessed due to fraud and have not received a dime since XX/XX/2020. The state knows this is happening to my unemployment file so they have been giving me XXXX XXXX meanwhile they sort everything out. I find it extremely unfair that XXXX would do this to me now that Im struggling. I have spoken to customer service consistently and I know the calls are recorded for the record. My credit score decreased XXXX points and now I will be unable to get a car and the apartment I was looking forward to once I go back to work. I wish i didnt have the underlying conditions I suffer from or else I wouldve never stopped working. I have XXXX  and get mild XXXX and mild XXXX when I get sick. First it was my income now its my credit it feels like I cant catch a break.
Consumer complaint received 2017-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchased this car from a dealership and was basically haggled into getting a car for more than what it was originally worth. I was given a ridiculous interest rate and then I found out that the interest is compounded. So for a car that is actually only worth XXXX I am going to end up paying 25,000 give or take. The original car loan was for around 11,000 plus the warranty. The dealership and the place that approved my loan some how came up with to horrific numbers that are now haunting me every two weeks just so that I can get caught up from being out of work and missing One and a half payments when I XXXX XXXX and XXXX XXXX XXXX I have been paying multi-payments per month for over a year and for some reason my balance never goes away. I am struggling to make ends meet because of this car that I was suckered into buying at a price that is not what I deserve to be paying. the early buy out is still at XXXX, which is more than what the car is worth and no one will refinance or trade in. I have already spend over that much since purchasing the vehicle in XX/XX/XXXX. My original payments were set to be XXXX per month and I am now paying XXXX every two weeks and the balance is not going away like I feel that it should. They are basically saying that I am still two months behind when I only missed one full payment over a year ago. I really need help with getting this taken care of and hopefully lowering my payments. Please help me as well as you possibly can.
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (SC)

I lost my job, my home, transportation EVERYTHING due to COVID 19! I just started working again in XXXX of 2020. I did not receive ANYTHING about this collection. I could not get to the gym to work out anymore nor could I afford to so I allowed the account to close due to no employment! I still have yet to collect stimulus funds! I never got my full unemployment benefits! I have struggled for months trying to get my credit up only for it to drop because I LOST EVERYTHING! I had a XXXX in XXXX! Look at it now! Because COVID 19 ruined my life!!!!! Yes I am still alive but I should not have to pay a debt I didnt know about because I couldnt even use the services! Please someone help me!!!!
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XX/XX/2020. I have begged SLS to remove the credit report late remarks of those four months. Can you help me?
Consumer complaint received 2021-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is two months behind on my auto loan payment history on my credit report.Transunion also has not removed XXXX XXXX from my credit report despite being notified by the company XXXX XXXX to remove the Hard Inquiry.
Consumer complaint received 2021-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (OH)

I just bought my minor child a phone and this debt collector keeps calling her every single day since we got the phone. Its sickening that my minor child is being harassed by a collections agency when nothing belongs to her myself or my husband. We dont even know how they got this number since its brand new. The number that keeps calling my XXXX  child is XXXX. We owe no debt and Im trying to figure out how a collections agency got her number.
Consumer complaint received 2023-03-31
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-24
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: Southeast Finance Inc. (SC)

Thursday XX/XX/2021 - XXXX XXXX Company Name XXXX XXXX Hello XXXX, We are regrettably unable to approve your loan application XXXX in the amount of {$27000.00} at this time. Our principal reason ( s ) for this decision are indicated below : Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency. Consumer Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX We appreciate you giving us the opportunity to earn your business and hope that you will consider us in the future They listed XXXX  as to the reason why I was denied the credit of XXXX I have great credit and there are three disputes going on now with XXXX that do not belong on my credit report so I am not sure why I was denied. I was able to secure a loan from another company for XXXX so not quite sure why Southeast Financial rejected me. So I am asking XXXX  as to what information was given to them to deny my request for credit.
Consumer complaint received 2021-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've contacted XXXX and Trans Union on several occasions on why I am not an authorized user on my wife 's XXXX credit card account for XXXX dollars. The account is not reporting to Trans Union, XXXX said to me that they have been reporting to Trans Union, but Trans Union is not making any changes, Trans Union play 's the blame game and said it's XXXX fault, I honestly believe if this was reported accurately, I would definitely have a higher credit score. I've exhausted all my options and I need some help please, This account is reported to XXXX and also XXXX with no problems at all.
Consumer complaint received 2021-04-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (SC)

I've had my student loan transferred from Wells Fargo to XXXX XXXX XXXX. It was setup on autopay at WFC and I saw the account disappear awhile ago on WFC website. I've been receiving a ridiculous amount of email and paper mail from Wells Fargo explaining that they're transferring student loans and to wait for XXXX to pick up payments. I've not received a text, email or letter from XXXX and it is not 2 days after my student loan typically auto deducts. I'm currently trying to call them, but A LITTLE COMMUNICATION WITHIN WEEKS should be expected. Wells Fargo has confirmed that intentionally delaying the transfer/setting up auto payment would be financially beneficial for XXXX.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One sent collection notices in me the consumer XXXX XXXX in XXXX collection on an allege debt. I am the consumer and original creditor of the debt pursuant to 15 USC 1602g- The term " Creditor '' refers only to a person who both ( 1 ) regularly extends whether in connection with loans, sales of property oar services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a Finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face-off the evidence of indebtedness or, if there is no such indebtedness, by agreement. 



Capitol one sold my private information to a debt XXXX XXXX XXXX XXXX. A third party should not have access to my personal. 

Capitol One you give me the biggest headache thinking about the alleged debt you claim I owed you.
Consumer complaint received 2021-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (FL)

First, your questions do not specifically address my issue, but here is the problem I am having with PHH Mortgage, from New Jersey. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 CFPB : re : PHH Mortgage, On XX/XX/2021, PHH Mortgage mailed out a letter to me about some alleged correspondence they claim to have received from me on XX/XX/2021, and used a Reference ID of : InquiryXXXX ( XXXX ). 

I have sent numerous inquiries since, asking that PHH Mortgage send me a copy of what I allegedly sent to them, which prompted their letter of XX/XX/2021. I have asked PHH Mortgage mail me, email me, or fax a copy of my correspondence. To date, the responses have been letters asking that I give them an account number, account holder 's name, address, and other relevant information. I can not give PHH Mortgage anything until they send me a copy of my alleged correspondence so then I can address the situation properly. 

Now to be clear, I DO NOT want PHH Mortgage sending me another canned, irrelevant letter to send something I can not send. I want them to SEND ME a copy of what they claim to have received on XX/XX/2021, which prompted their letter of XX/XX/2021, and had a reference number of InquiryXXXX ( XXXX ). They may mail me, email me, or fax me a copy of this correspondence that they claim I sent to them. 

My mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Email : XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I have disputed wrong addresses on my credit report several time and XXXX, XXXX, Experian still housing the wrong information on my credit report. 

I will be seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud
Consumer complaint received 2023-01-13
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NJ)

I am POD/POA on an account with my father at Wells Fargo. After his death, I called customer service and sent then all the requested documents which were the Death Certificate and letters of Administration from the Surrogate 's Office. A month and a half later, I received an email stating my request to close the account and release the money had been rejected and they asked for additional forms. I sent those items by XXXX, but have had no response for over a month. They continue to hold over {$50000.00}.
Consumer complaint received 2021-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

REFUSAL TO REMOVE INACCURATE FRADULENT ACCOUNT AS PER FCRA ON MY CREDIT REPORT. DEFAMATION OF REPUTATION VIA CREDIT. DESPITE NUMEROUS ATTEMPTS OF CONTACT, NO AVAIL. MIDLAND CREDIT MANAGEMENT HAS NOT RESPONDED TO DEBT VALIDATION REQUEST. THIS ACCOUNT WAS A RESULT OF IDENEITY THEFT AS I HAVE NO KNOWLEDGE OF ANY SUCH ACCOUNT AND IT IS BEING USED AGAINST ME. PREDATORY TACTICS, HARASSMENT.
Consumer complaint received 2021-04-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I already reached out to the credit bureaus and to BANK OF AMERICA, N.A for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEB, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied with the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2020-04-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

We have a VA federally backed mortgage loan with M & T. 

According to the Coronavirus Aid, Relief and Economic Security Act we can request up to 360 days forebearance without any additional fees, interest or penalties. We asked for 6  to 12 months Forbearance. So we can keep our credit outstanding and survive while our business is shutdown. They responded they wont charge a late fee but we need to pay it every month.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

I Initiated a dispute via letter to all  XXXX  credit bureaus in which the account reflected. The account was not validated and was removed from my reports. The account is now re reporting on my credit file and its under a new name. So the account was sold to a new collections agency.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I advised XXXX  and Equifax on XX/XX/XXXX that they would be receiving notification from two creditors within 24 hours ( XXXX XXXX and XXXX XXXX ) that the collection accounts against me ( for alleged failure to return communications equipment ) should be removed. 

My followup with XXXX confirmed that the equipment had indeed been returned and received XXXX per XXXX @ ext XXXX ) on XX/XX/20 and she sent direction to all credit bureaus that day to remove the erroneous collection account. XXXX  had already received XXXX instructions to remove by the time I spoke with them but said it might take 30 or 60 days to complete an investigation. There is no need for an investigation because they already have the directive from XXXX to delete the account. 

The collection company for XXXX XXXX XXXX XXXX XXXX XXXX also removed the collection account from their records and advised the credit bureaus to do the same when I provided the exact date, time, place, and tracking number used to return the XXXX equipment. 

Please ensure both credit bureaus update/correct my inaccurate records immediately. They should be able to accomplish this with zero delay with the specific direction from the creditors to do so. There is no need for a 30-60 day investigation because the bureaus have already been instructed by the two creditors to remove them. Refusal to comply with an immediate correction is unwarranted and maliciously punitive. 

Thank you for your assistance.
Consumer complaint received 2021-04-18
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)

I spoke with XXXX at Transunion on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Transunion credit report : " XXXX  " account # XXXX open on XX/XX/XXXX in the amount off {$5500.00}, " XXXX/XXXX '' account # XXXX open on XX/XX/XXXX in the amount of {$500.00}. I did not authorize any of these accounts. I am requesting that the above unauthorized account be blocked and removed immediately from my Transunion credit report due to my identity been stolen.