davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (UT)

On XXXX XXXX, XXXX, I had XXXX XXXX XXXX XXXX. We contacted Loancare to do a loan modification. We were approved for a trial plan and made the 3 payments in XXXX, XXXX and XXXX. XXXX advised us that they would send us the final modification paperwork which we received on XX/XX/XXXX. It stated that our first final modification payment would be due on XXXX XXXX, XXXX. They said nothing about any other payments before the XXXX. payment. I called Loancare on XX/XX/XXXX to confirm the XXXX XXXX payment. I spoke to XXXX with Loancare and he said that we had defaulted on the trial plan because we missed a XXXX payment. We were not aware of a XXXX payment due. He said that they had tried to contact me by phone 3 times. I didn't have that phone number anymore because it was a company phone that I had to turn back in. XXXX has my wife 's phone number and is authorized to contact her. She was never contacted. There were other ways to contact us. They have my e-mail also. I explained to XXXX that we had and have the money for the XXXX payment. He said that they can not accept our money now because we have defaulted. We have worked for 6 months to follow their modification plan. We were not aware of a XXXX payment between the trial payments and the final modification payments. Many people can not make their mortgage payments right now but we can and we want to so that we can keep our home and fulfill our obligations.
Consumer complaint received 2023-06-09
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. (TX)

Equifax, XXXX, and XXXX are not reflecting my credit report with the exact same data. Some accounts are reported and some are not across the 3 Credit bureaus. 
Equifax, XXXX, and XXXX are not Metro2 Compliant.
Consumer complaint received 2020-08-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (WI)

I spoke in XXXX of 2020 with Sunrise Credit Services about this debt. I said this debt should never have been charged to me as it was a mistake from the university. They told me to talk to XXXX and that XXXX university would then in turn talk to them to cancel the debt. They told me to wait a month. So I spoke with XXXX University who said they would speak with Sunrise Credit to drop my debt. The amount has increased since it went on my credit report and it also shows as late payments instead of just a collections. 

I was withdrawn from XXXX University and they registered me anyway. Then charged me for the classes I missed that I didn't even know I was registered for. If you look at my very extensive history of schooling - XXXX XXXX ( I have used school loans to pay for my education ). I have never, ever not told a university if I was no longer going to be a student. I have attended several other universities and have never had this happen to me. In fact, I use school loans to pay when I attend online and in-person universities. When I went to XXXX they did this two me where they registered me for a class and I had to call and tell them I didn't want it. It was like an automatic registration. Normally, you have to physically register for a class. 

XXXX said I owe them {$3000.00} for a semester that I did not even register for. I was not at the school during that time. Then Sunrise Credit appears to have changed the amount owed to {$3600.00}. When I spoke with XXXX to get this dropped they said that the collection agency added the extra {$610.00}. Which I thought was illegal. So when I spoke again with Sunrise they said they didn't add that extra that was what XXXX reported. Then they both promised that they would work this out and drop this false charge. It is not XXXX and I disputed it again on my credit report, but nothing has changed. 

I am worried that XXXX University is trying to get money from students by registering them for classes even though they stopped attending. I need to access my XXXX email to show proof that I contacted my advisor telling her that I would not be returning to the program. I never intended to return to XXXX, yet they still charged me.
Consumer complaint received 2020-08-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

Phone number XXXX employee XXXX XXXX left 2 messages after it was explained to her that we do not have a current loan with Ally Financial. 

I called Ally Financial and asked them to stop calling. The representative stated they are looking for XXXX or XXXX ( not a member of our family ). I asked how they obtained our number and was told that they just called numbers with similar names and states looking for potential family members. 

My first thought was someone had a loan in our name or used us as a reference. I was told that we do not have a current loan and our number is not associated with the account they are trying to collect.
Consumer complaint received 2020-08-06
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. (TX)

Equifax is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX XXXX which occurred in 2019. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Equifax twice, and results have came back in the decision not to remove an inquiry that isn't mine.
Consumer complaint received 2020-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

On XX/XX/2020 my bank, XXXX XXXX, sent a check for {$16000.00} to pay down our HELOC balance close to XXXX. Specialized Loan Servicing sat on the check, then returned it to me on XX/XX/XXXX, thinking that it was a loan payoff for a traditional mortgage. Two customer service representatives acknowledged the company 's mistake and agreed to a credit of {$150.00} in interest that I should not have paid due to the delay. 
I have spoken to customer service five times over the last six weeks ( several hours on the phone in total ) and each time they promise to refer my case to a supervisor and call me back. No one has every called me back, and the issue is still unresolved. On XX/XX/XXXX, the customer service representative told me that the HELOC department does not have a supervisor, so there isn't anyone to review the credit request. 
Please help.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (NY)

My Tezos suddenly disappeared from my account on Coinbase and their customer service is atrocious. I have tried multiple times to get in touch with them but to no avail. This is not ok and I have no insight as to what happened here.
Consumer complaint received 2022-11-04
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: WELLS FARGO & COMPANY (WI)

Someone fraudulent filed my federal tax return with a fake job XXXX and my unemployment benefits this year. XXXX XXXX tax professional states I signed for my data to be breached and I never did sign anything. Now they are destroying my credit report and has access to all my personal information. The last time I filled taxes was 2020.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

I learned today, XX/XX/XXXX, from a credit alert email, that my medical CareCredit account with Synchrony Bank has been closed. When I called customer service ( Twice ), all they can tell me is that my account was closed on XX/XX/XXXX and I will be receiving a letter in 7-10 days explaining why. That's all. No explanation, no nothing. I've had this account since XXXX and my account has been in good standing. My last payment to bring my account to a {$0.00} balance was XX/XX/XXXX. There is no reason whatsoever that this account should have been closed. But they are quick to suggest that I can reapply for credit, again, which will reflect negatively on my credit report. Makes me wonder if they don't get some sort of bonus/kickback for the amount of new accounts they open. Plus, I have a dr 's appointment in a couple weeks and I will need to use this, but now that won't be possible. Something just doesn't seem right. And Customer Service isn't much of a service.
Consumer complaint received 2022-09-25
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. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-28
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$3400.00}, {$1000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

XXXX  : XXXX On XX/XX/XXXX, my client closed on a home and as a XXXX, I'm entitled to a commission for the amount of {$6800.00} USD. The wire transfer was created on XX/XX/XXXX XXXX XXXX By XXXX XXXX XXXX and authorized on XX/XX/XXXX at XXXX XXXX Scheduled to be processed on XX/XX/XXXX. I have reached the originator bank several times, and they say that can not trace wire because it has left reserves. I reached my back on the phone over 6 hours over the course of 6 different calls and went in-person to a branch to try to get them to trace the wire, but no one has been able to assist me. This is the 1st time this happens to me, usually, commissions get to my account within 30 minutes, it has been 6 days. Wellsfargo is the one asking for information having nothing to do with me, something with XXXX about a name that is not me or the wire originator nor the owner paying the wire they want information about a 3rd person that has nothing to do with the wire. WELLSFARGO is not doing anything to get my money into my account even though Wellsfargo already has the wire in. 
Attached is the confirmation from the originator bank
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (PA)

American Express Card was a corporate card under XXXX XXXX XXXX company in 2017 card was closed after items where disputed American Express tried to sue me personally and the suit was dismissed for failure to show signed by judge the order stands American Express is filing again abuse of process for the same thing with out doing an appeal refuse to send documents for the dispute using a debt collector Customer Service. 
XXXX overcharging of fees
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MI)

I am trying to link my PNC Checking account with XXXX and I received a message stating PNC has recently changed my account so I can not link it to any other accounts. I was not made aware f this change nor asked if I want this change in place.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI (NJ)

I spoke with the company General Revenue Corporation in XXXX of 2018 and they advised me that if I paid off my debt in full they would remove the mark from my credit score. Now 2 years later I apply for a mortgage and discover the collection is still listed on my credit report. I attempted to call the company to give them a chance to remove it assuming it was a mistake, and they inform me its company policy for them to never remove from a credit report. This contradicts the deal that we agreed on when I originally agreed to make the payment. The manager acknowledged they do have the ability to remove, but due to their company policy they will not do so. I would caution all those who are being contacted by General Revenue Corporation to be wary of payments back to the company as they will tell you they will remove from your credit report, but will not do it.
Consumer complaint received 2020-09-28
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$3400.00}, {$1000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Consumer complaint received 2020-09-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NJ)

Hello, This vehicle was taken in 2016 when I called the lender and they ended up selling my vehicle as well as reporting to the IRS as a lost. This account was supposed to be deleted but they have not done so. The vehicle was sold to me at an extremely high interest rate and I was a victim of predatory lending due to the fact that this vehicle lasted me 2 years due to my engine dying.

I was told last year, this account was going to be deleted and when I tried to get this deleted from my credit reports, it came back verified. The credit bureaus did not send me proof of the verification so I still have this on my credit report. This needs to be deleted please as I am trying to get my life together for my household. Please help me in this matter!
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

RASH CURTIS & ASSOCIATES - I have requested verification this XXXX debt belongs to me and debt collector fail to response. After deft collector receives dispute they increase balance by {$1.00} to avoid providing verification. I have not received any notices from debt collector.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

When applying for something in my name in XXXX i got denied. When I was provided a copy of my credit report, i saw things on there that were inaccurate. I sent letters to the credit bureaus back in XXXX and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response from them. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not in compliance and I want/need this issue resolved asap. 
Things on my credit report needs some action taken behind it.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When applying for something in my name in XXXX i got denied. When I was provided a copy of my credit report, i saw things on there that were inaccurate. I sent letters to the credit bureaus back in XXXX and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response from them. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not in compliance and I want/need this issue resolved asap. 
Things on my credit report needs some action taken behind it.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NV)

On or around XX/XX/2020 I submitted an online application for a XXXX XXXX  credit card underwritten by Wells Fargo Bank. Part of the process they require authentication of ID by a third party application. This application seldom works correctly. Finally, after many attempts, it did work. 

I filled out the application completely and accurately and submitted it online. After about a minute of " processing '', I was given a telephone number to call. I called and the Wells Fargo employee stated that they can see the application and the full details, but yet they did not receive the application. There is nothing they can do, she stated. 

I used a different computer and again applied. Again, their third-party ID verification system didn't work correctly until the fourth attempt. Finally they were able to verify my ID and I complete and submitted my application. The same thing happened again. I was instructed to call. I called and the same story about how they see my application and see the data I filled out, but they didn't receive the application. 

She said my only alternative was to go to a XXXX XXXX store. 

I attempted to contact Wells Fargo via XXXX, but they seldom respond coherently. 

This is not the first time I have been involved with Wells Fargo XXXX incompetence. I believe they are simply refusing to accept applications for some illegal motive or they are simply incompetent to set up their application system and / or handle problems when they arise.