davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo and its 3rd party service provider, XXXX, have asked me more than 5+ times to provide proof of homeowners insurance on a recently purchased home, going so far as to threaten me with force-placed insurance, which will cost me more and insure me less than the insurance I already have. Despite proving to them on multiple occasions that my apartment is fully insured, they keep asking me for more information. 

I have sent them my past insurance policy info, my current and future policy info, they've even asked for my apartment building 's insurance info. I had to ask my landlord for THEIR insurance policy, all of which I've chased down and handed to Wells Fargo. 

And yet I keep getting threatening letters from Wells Fargo telling me I haven't provided my coverage info, despite the fact that my policy clearly states what dates my home is insured and lists Wells Fargo as an additional insured interest. 

Even before any of this happened, I emailed Wells Fargo back in XXXX 2021 telling them I was changing insurance carriers. Then when they started contacting me in XXXX, I've gone to their website to upload the information, I've sent them emails with my info ( with policy info attached ), I've called their service line, I've even emailed my original mortgage banker to get help. But for whatever reason none of this seems to work and it has been months dealing with this issue. 

Wells Fargo needs to get its mortgage operations in order and find a better way to update and keep current its information so it can stop sending me a deluge of requests. For your convenience, I have attached all my prior written correspondence - you will find at least eight ( 8! ) acknowledgements from Wells Fargo that they have received information from me via their online portal, as well as 3 emails I have sent to them with detailed info enclosed.

As you will see, I already gave them everything they wanted in my first email to them, and yet they keep coming back asking me for repetitive, duplicative requests that clearly reflect a breakdown in their own systems and processes. 

And once again, I am also enclosing proof that I am insured for the period of time they asked for, as well as for the year to come. Please make it stop.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services (FL)

Dear Sir Below is my plight with Mercedes Benz both of XXXX XXXX and Mercedes Benz Financial. I have written both the GM and VP of finance with no response. Can anyone help me?? 


My letter to the VP OF FINANCE : Good Afternoon Mr. XXXX, Below you will find most of my issues with XXXX XXXX XXXX XXXX XXXX. Now due to XXXX and not to mention that my husband took a 40 % cut In pay we continued to pay our car based on what they told me. 

Now they said my credit is to bad. Well I bet half of America took a hit. I then mentioned that my husbands CREDIT was strong and he didnt want to hear it. When last time it was no issue. He btw just purchased another Mercedes approximately 6 months ago.

How can you not approve a loan that is {$350.00} less per month but expect me to pay my current payment??

I dont believe that this is how Mercedes treats its customers. I think that XXXX is upset and quite frankly was rude and unprofessional. 


Make it a Great Day!! 
XXXX XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX  EDT To : XXXX Subject : Re : How was your visit at XXXX XXXX XXXX XXXX XXXX 


My Letter to the GM OF XXXX XXXX XXXX : Good Evening Mr XXXX XXXX I got this email from you. I just left your dealership and needless to say I am disappointed in your dealership and let me explain. I signed without ANYONE DISCLOSING that I was paying XXXX for a XXXX car. 

XXXX XXXX years ago we leased a XXXX from your dealership, at that time your Finance Manger XXXX assured us that if we sucked up our large car payment for 2 1/2 years we could come back and trade out of our car NO PROBLEMS. Well even through Covid we pressed on and suffered through pay furlough and so forth. Going on the WORD of your dealership Well we came in today and dealt with XXXX and now we find out that we were deceived. We ended up paying XXXX for this car and we are $ XXXX upside Down?????? 

Now please explain how your dealership does this to repeat customers?? Now you want me to eat this yet again!! 

So I am trying to LOWER my payment and you tell me now I am not credit worthy and because my husband has a car which by the way is a Mercedes bought in your dealership he cant sign. But it was ok for him to sign last time. And my dad who has a FICO score of XXXX wasnt either. Hmmmmmm Huge discrimination!!! 

So I am looking at a 2021 suv and you still cant cover your deceit and want me to pay for your dishonesty. 



Make it a Great Day!! 
XXXX XXXX XXXX
Consumer complaint received 2019-11-22
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)

There are several accounts, addresses, and inquiries that are listed on my credit report that I am unfamiliar with or that it's simply not mine. There is also a Chapter XXXX bankruptcy that needs to be removed too. Please remove these from my credit report.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

On XX/XX/XXXX, Cavalry Portfolio Services sent a letter claiming that I owe a debt of {$3400.00} from XXXX. I never had a XXXX XXXX  account or card so this debt is not mine.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, I have been trying to contact all three credit bureaus to get the XXXX and XXXX alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my XXXX. Thank you.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX and DEPT OF ED/XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (GA)

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. This, IN FACT, is a violation of 15 USC 1681 ( a ) ( 4 ). Not only is this information is NOT reported on my XXXX or XXXX reports but Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. In addition, According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Equifax has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Thank you,
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (OH)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with CREDITACPT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments and charge-off from these accounts.
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank is repeatedly contacting relatives and distant relatives regarding a debt they say I owe them. They will not stop calling them, even after being told that they are calling the wrong number. They are harassing people that have no connection to me or said debt.
Consumer complaint received 2019-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CO)

I submitted a payment on XX/XX/XXXX for my regular bill of {$98.00}. This is prior to becoming a 15 day late notice. I was not notified that my account or payment was sent back whatsoever by mail. 

Submitted a payment on XX/XX/XXXX to pay full amount of XXXX for the previous month and the current month, as I did not know, again, I was in arrears due to the non-notification by Heartland ECSI. 

Did not received 15 day late notice via mail as per FCRA states I should have. I am not enrolled for electronic billing. I have specifically requested mailed, paper billing for my records. 

Again made payment on XX/XX/XXXX for additional month. Was informed payment was processed and received. 

Was reported to Credit Bureau for a 30 day late payment, when no such late payment occured, nor was I ever informed, via written letter in the mail, of being delinquent whatsoever. 

Have several emails confirming my electronic payments were received! This is crazy! 

FCRA was violated by not sending 15 day, nor 30 day late notices via certified mail to my address.
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company (VA)

I dont recognize the charge. Ive requested in writing that they provide dates of service and specific providers, and that this information be provided in writing. Ive been told that I need to resolve this today. I have not received the requested information in writing.
Consumer complaint received 2021-10-01
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: Commercial Acceptance Company (NY)

The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Consumer complaint received 2021-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (TX)

I closed on a house on XX/XX/2021 after much research even asking the lender multiple times questions regarding the appraisal and what was the appraisal offer lower than asking I kept getting he didnt know, the transaction happened, come to find out there were leaks and damages plus inspections done without my knowledge. I am not able to live in my home I just bought due to mold and being allergic to mold, and seems everyone involved in this transaction has dirty hands. Im very afraid theyll get away with this if nothing is done. I lost everything. I moved all my belongings here thinking this was my retirement home. I reached out to Veterans United requesting verbally and in writing a copy of my records on XX/XX/2021 was told that they the lenders had nothing to do with this and she was sorry for my home buying experience that turned out bad. 
I emailed CEO XXXX XXXX at XXXX and XXXX as well as, XXXX and have yet to even receive an acknowledgment. Ive emailed the local Sheriffs office asking for answers in how to go about this cause evidently the local police office states its not their jurisdiction. I have yet to hear anything back yet. Every attorney I emailed, called, etc has not responded, asked for a large retainer without seeing what I have, and the realtors, say theyll call you back but never respond. Im XXXX XXXX XXXX veteran Im tired mentally and emotionally. I did nothing but place my trust in a bunch of professionals that are licensed criminals and the law protects them. This is a {$240000.00} loan, Ive lost over {$30000.00} thus far just dealing with this and paying hotel and food plus other bills, I have XXXX left. And these criminals are free to keep scamming folks.
Consumer complaint received 2021-10-01
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. (NC)

i am a XXXX year old senior citizen. You have multiple accounts registered under my name with balances due. This is incorrect and needs to be removed as soon as you receive this communication from me!
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We applied for a loan modification with our mortgage company on XX/XX/XXXX. For the past 8 months, we have spent countless hours calling and uploading the required documents. We have been assigned 2 different 'relationship managers ' during this time and never once have we spoken to the same person. Every time we have a different person and we can not get connected with the underwriting department. From XXXX we made repeated phone calls to resolve the conflicting information with one of my husband 's paystubs. We uploaded all documents and repeated ourselves numerous times. On XX/XX/XXXX we finally received a completed package notice. This is probably the 6 or 8th time since we first filed that we received the notice it was complete. On XX/XX/XXXX after almost 2 weeks of having a completed package notice, we then received another missing information notice informing us there was an issue with a paystub and to call. We called and again were informed of the same issue for which we thought it was resolved. We provide all updates and on XX/XX/XXXX we received another completed package notice. on XX/XX/XXXX another missing item notice was received, again related to my husband 's paystubs. Then again on XX/XX/XXXX we received a completed package notice. Now on XXXX after 90 days spent resolving 1 issue, they are requesting updated unemployment income. I am no longer unemployed and will be providing them with the required P & L for my XXXX XXXX. I lost my job as a result of my XXXX XXXX COVID19 layoffs. I spent a year and a half unemployed and we never missed a payment. We worked with SPS to participate in the COVID relief programs they offered and paid all our reduced payments and the balloon payment that was delayed. We have excellent credit ( 830+ ) and haven't defaulted on any loans. In fact, during this time we were able to payoff our second mortgage. All we want is a loan modification locking in a fixed rate. We're not looking to take out any equity which is approx. $ XXXX.It 's an incredibly stressful time as it is without having to go through all of this and to check online every single day to monitor the status of our loan. There is documentation of all that we have uploaded in their system which I can screenshot if needed. The calls are recorded. I'd ask that during your investigation you pull everything so you can see how compliant we have been and how we have taken every imaginable step to resolve this on our own with no success. We need help. Please.
Consumer complaint received 2023-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo was my mortgage company from about XX/XX/XXXX through About XX/XX/XXXX. 

I attempted a refinance in XX/XX/XXXX XXXX. They sat on the application. Then attempted to changecthe rate and make me sign. I complained directly to Well Fargo. There was no change in credit and payment history was excellent. 

XXXX gave me the rate and completed the XXXX. Wells Fargo attempted to force higher rate than XXXX.
Consumer complaint received 2022-05-26
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)

I disputed few items on my Equifax credit report and there investigation took more than 30 days and all the accounts are still on my credit report and all sudden the disputes stop and the accounts are still remaining on my file as fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax didnt do nothing to have these accounts removed for months
Consumer complaint received 2021-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXX, I received a notification from XXXX XXXX that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.