davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Wells Fargo services.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I called several times trying to get documentation emailed and mailed to me they never sent me anything and appears on my credit report with and incorrect amount and payment history which is hurting my credit. Ive made several attempts to speak with higher up and can never get the issue resolved
Consumer complaint received 2022-02-08
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. (AR)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-08-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (OH)

I saw an ad for student loan forgiveness for students of XXXX XXXX XXXX XXXX. I submitted contact info. ( phone number ). I received a few texts to call an XXXX number. I called eventually going over relevant information regarding my student debt. I regrettably gave my XXXX. I didnt have time to go much further with the questionnaire so i asked the man to email me the site. He said he would right then and then the phone got disconnected. I tried calling each number multiple times today but it always disconnects.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NJ)

Hi I am reporting on Wells Fargos shady chargeback business practices. I am a landlord with a business that collects rent via XXXX  and XXXX. One of my tenants asked their bank ( Wells Fargo ) to chargeback the funds they sent to me for their rent payments falsely claiming they did not know this transaction ( chargeback fraud ). Now both XXXX  and XXXX are trying to collect these funds from me. I reached out to XXXX, XXXX and XXXX and all three said it was because a chargeback initiated by Wells Fargo through my tenant and that I need to contact Wells Fargo. I have email evidence of their responses. The issue I have is that Wells Fargo did not do any investigation before issuing these chargebacks against me as they are obligated as a bank. 

To make matters worse, every time I call Wells Fargos chargeback group they refuse to talk to me because I dont have an account with them and they are not willing to look into the reason or provide any reason as to why they sided with my tenant ( the Wells Fargo customer ). I am looking to sue Wells Fargo as they did not provide any investigation into the chargebacks they made nor are willing to cooperate in returning these rightfully owed rent payments to me even after this is marked as clear chargeback fraud.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

To : XXXX. XXXX XXXX XXXX - We were notified the first few weeks in XXXX that our mortgage was being purchased by Pnc Bank XXXX XXXX. XXXX. No sooner had the ink dried, we received a letter dated XXXX. XXXX stating that we were behind on our payment and we could lose our home. We called and were told that we owed for XXXX XXXX. We received a letter dated XXXX stating that {$300.00} was going to be taken from our mortgage payment. Then, the bombshell letter also dated XXXX. XXXX, came which was a replica of the letters we had been receiving from XXXX XXXX  - stating lies upon lies, refusing our XXXX XXXX, applying our mortgage payments to pay attornety fees, to pay for forced placed escrow ins. and to pay your illegal interest/fees- always threathening us with foreclosure. Now, we understand! Pnc Bank and XXXX XXXX  are one and the same. Under your direction, Pnc will not accept our XXXX XXXX. XXXX and XXXX 's proof of our payment ( s ) to XXXX. Under your direction, will not accept our mortgage payments from XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX 's proof of payments. You are following the same path XXXX XXXX  has followed the past four years with us- Always rejecting anything that might impede you from taking our home the easiest and least costly way. Why do you want to illegally take the homes of Seniors and Veterans - This is despicable! On XXXX. XXXX. XXXX, an associate said that a certain associate was assigned our case. We called her that same morning and we received a recording - and here, today, XXXX. XXXX to reach out again, we called and the associate asked us if we would speak to anyone in her office. We said yes. She could not connect with that office and we asked if we could speak to a supervisor/manager and she said that she would have one to call us. A supervisor/manager never did call We did not expect them to call for this is the same proceduure used by XXXX XXXX  XXXX We will not allow our home to be stolen by Pnc Bank. PNC bank has already been sued for a similar reason!
Consumer complaint received 2022-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

XXXX XXXX, Loan # : XXXX Carrington Mortgage Services , LLC XXXX, CA XXXX To Whom it May Concern, I am writing today to complain about Carrington Mortgage and the handling of the COVID-19 Advanced Loan Modification and the COVID-19 Recovery Modification Protections. I was denied for any Protections and said Im not eligible. 
In the Fall, XX/XX/XXXX, I received a letter from Carrington that I would be reviewed for Loss Mitigations Protections and they would notify of their decision, in writing, within 30 calendar days. I never heard back from Carrington. I assumed they were busy during COVID and were behind. I finally called Carrington on XX/XX/XXXX and spoke to an Agent. She was polite, but didnt seem to understand what was happening. She researched this, and stated that they are researching my property title and are behind in paperwork. I waited and finally called Carrington again on XX/XX/XXXX. I asked for a supervisor and spoke to XXXX XXXX, # XXXX. We reviewed my application, and she even discussed with her supervisor, but stated that I cant achieve payment savings because of my loan amount and Im not eligible. She was polite, but stated that Carrington reviewed my application last Fall were it was denied. I waited for 7-8 months to hear about my status. Even on my online account, Carrington listed my status on COVID-19 ALM as Submitted, but no other information. XXXX finally stated that my only option for help was to go through Carringtons traditional Modification process outside of COVID-19. As everyone knows, this requires 5 pages of detailed information about income, assets. Most of these are denied.

The purpose of the COVID-19 ALM and the COVID-19 Recovery Modification was to help millions of Americans during the pandemic to save their home. My financial problems did occur prior to COVID-19 in XX/XX/XXXX. However, I studied FHAs/HUDs Mortgage Letter XXXX dated XX/XX/XXXX. There are 86 pages of multiple options to get a Modification. They do not require any detailed requirements or documents. I would appreciate your help. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent my information to XXXX XXXX and TransUnion twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.
Consumer complaint received 2022-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (SD)

2 of my loans say that XXXX dollars were dispersed ... ..yet thousands of dollars are due. My tax return has been taken from me since they went into default and XXXX of that is showing ever having been applies The amount of money my servicer says i owe is ridiculously higher than the website... .with no record of ever having received a payment I am lied to every time I call ... .Is a Federal loan not subject to FDCPA? What Federal agency would i contact to file an FDCPA complaint against the servicers for openly lying to me over and over. Saying that they are department of Ed, no you are a servicer and that is a lie... ..that is a violation of my FDCPA... .they tell me that i should have all my loans cancelled... even sent me the form and had me submit ... .i did ... .they told me that the Department of ED denied my application ... .Lie... .it was them ... ..Department of Ed never saw the application... .the servicers lie , lose payments, give false hope, and take my money. Why should i pay them. By the way its the FTC that manages cases of FDCPA... ..and the servicers claim to record calls for " quality '' i bet that the calls is " lost '' by the time they have to prove how bad they are.

****copy of complaint on department of ed website ****
Consumer complaint received 2016-01-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (FL)

I have another complaint with Consumer Portfolio Services as well. I was going over my current credit report and noticed that CPS has closed the account and charged it off as of XXXX XXXX, 2015. They are still charging me fees and showing a monthly increase on the account, and trying to receive payment for it. How can they do that when they closed and charged off the account??? Also, the vehicle is still sitting on my property, which I am getting charge additional storage fees from my landlord, as it states in my lease that I am not allowed to have any unregistered vehicles on the property without incurring additional fees..
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

State of Alabama reporting a erronous amount of money due from a $ XXXX/mo child support payment from XX/XX/XXXX where in XX/XX/XXXX I paid a {$7000.00} lump sum payment to avoid jail time. This debt amount is incorrect, it is over 10 years old, it was removed from my credit report before. Under the Fair Credit Reporting Act this is in violation on my equal rights. I did not borrow any month from the The State of Alabama for payments to my ex-wife and my daughter is XXXX years old. As stated I have contacted Equifax in which The State of Alabama verified before the debt should not be on my credit report.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I recently opened an account with Chase bank in XXXX because I moved to Georgia and my current bank XXXX XXXX  does not have locations at which I can deposit checks. I deposited XXXX checks through the Mobile banking app on XX/XX/XXXX The first was my GA state tax refund check, the second check was my escrow refund check from my mortgage company XXXX XXXX. The third check was dividend check from XXXX. They put the checks on hold for 8 days. They made the funds available on the XXXX of XXXX but then 2 days later debited all of my money. When I called chase on XX/XX/XXXX I was not notified that my account was flagged. I noticed my money was debited on XX/XX/XXXX So I called chase customer service line but they would not speak to me. I was told I had to call a special department, Which I tried for several days I was on hold for hours the call back service option wasnt working I was thrown back into the queue waiting almost 2 hours. Finally able to reach the dept on the XX/XX/XXXX at XXXX and spoke to a representative who informed me they couldnt validate the checks. Which didnt make any sense as they placed the extended hold on my checks. After being on hold for several minutes as the rep said he would need to contact the maker of the check to ensure the funds were payable to me. They flagged the checks as fraud and closed my account. The representative then stated he would call to verify the checks so while on hold the call dropped no one attempted to return my call. I called back again spoke to a different representative who was not helpful he stated the checks cleared however they wanted to verify with the maker of the checks to verify it was issued to me. They refused to do anything further but wanted me to provide them with contact information for the checks. Why do I have to provide burden of proof for checks that cleared just to satisfy their suspicions of fraud. I feel I have been discriminated against as the checks were legally issued to me by reputable sources. My name, address information on the checks all matched the account information. They have no reasonable explanation for their actions. The supervisor I spoke with was not helpful and offered no solution other than to tell me their policy with no end date as to when my money will be released.
Consumer complaint received 2022-03-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

A third party has contacted me numerous times about a debt that was previously paid. They continue to call on a monthly basis, threading and harassing me. 
Ive asked the repeatedly where they got the information. They state it came from Santander, but Santander denies this, says the debt is NOT owed, and doesnt know who this company is.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried working with TransUnion about continuously reporting a late payment in the amt of XXXX from XXXX of 2019 they ran the payment before the money was in the acct once the funds were deposited the account was short Due to previous attempt from XXXX XXXX XXXX they reached out to us by phone and we were told if payment was submitted the would not report it but they. Did now from what I gather from TransUnion they can report this payment every 24 months and it will continue to make my score decrease until 7 years has passed so no matter how hard I work every two years my score will take a bit with TransUnion
Consumer complaint received 2016-01-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (KY)

I cosigned for a private student loan for XXXX my kids with Sallie Mae. 
Since she graduated, Sallie Mae calls my cell phone and work phone several times a day about paying this loan off. I have asked them to not contact me by phone and only in writing, but the calls continue. 
I have received no documentation through the mail, only this constant barrage of calls. They are attempting to harass me into paying them even though I just cosigned the loan.
Consumer complaint received 2022-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (PA)

I would like my loans to be included in the lawsuit for not being told about the income base repayment program for years and years leaving me with a crushing debt over my head. If I do ever get a good paying job, the loans will keep me in poverty for the rest of my life. I owe over 120,000 for a bachelor 's degree. I reached out to XXXX and no response and now they transferred everything to this new lender aidvantage so I really cant get any answers now.
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

T

o whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a descri
ption of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXX XXXX2021XXXX XXXX 2021 XXXX XXXX XXXXXXXX XXXX XXXX/2021XXXX  XXXX , 2021 XXXXXXXX XXXXXX/XX/XXXX/2021XX/XX/XXXX 2021 XXXX XXXX XXXX XX/XX/XXXX2021XX/XX/XXXX 2021 XXXX XXXX XXXX XXXX  XX/XX/XXXX2021XX/XX/XXXX, 2021 XXXX XXXX XXXX XX/XX/XXXX/2021XX/XX/XXXX, 2021 XXXX XXXXXX/XX/XXXX/2021XX/XX/XXXX XXXX 2021 XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/2021
Consumer complaint received 2022-03-14
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. (MS)

EQUIFAX has several violations that Ive notified them of via certified mail, fax, and CFPB portal. All efforts to rectify the situation have gone unanswered and EQUIFAX is now in violation of the FCRA due to willful negligence! Ive recently sent in an affidavit notifying them of the several violations and and EQUIFAX is civilly liable due to the ongoing negligence. EQUIFAX has also been notified of all the inquiries that need to be removed and EQUIFAX refuses to remove them even though theyve been provided with the necessary documents to do so. EQUIFAX is in clear violation of my consumer rights and this is irresponsible for them to continue with improperly reporting information on my consumer file.
Consumer complaint received 2022-12-04
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. (GA)

On the complaint with Transunion, XXXX and XXXX, they state that the information I submitted as fraud has been verified. They never spoke to me, a family member or a friend. Verifying that someone ( a thief or an imposter ) used my information is not verifying that I used that information, and these should be removed from my account immediately. XXXX has removed the one account ( XXXX XXXX ) from my credit report, and I would like the TransUnion and XXXX to follow
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.