davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

XX/XX/2020 - provided ACH and Bank account information. O

n XX/XX/2020, an unauthorized {$6000.00} was transferred out using my ACH and account information. This is not a coincidence.

Between XX/XX/2020 and XX/XX/2020 there was no indication from Wells Fargo that they would not meet the closing date.

XX/XX/2020 - We were scheduled to close with Wells Fargo.

XX/XX/2020 - Wells Fargo began contacting me for additional financial information.

They began contacting my insurance company for insurance questions.

XX/XX/2020 - received the following email - " Currently delays are due to not receiving final approval in time to release your closing disclosure for XX/XX/XXXX close date. It was our delay in making a request for the additional assets necessary to verify post-closing liquidity reserves. '' XX/XX/2020 - They still had not cleared the mortgage They were not able to meet that deadline due to their lack of ability to complete the underwriting process.

XX/XX/2020 - seller communicates that he will cancel the contract and keep the escrow deposit.

XX/XX/2020 - Zero communication from Wells on approval XX/XX/2020 - I had to write a hardship letter to waive the 3 day right to review law. 
XX/XX/2020- cleared to close at XXXX XXXX  XX/XX/2020 - I was charged a service fee by Wells Fargo. I would like this service fee refunded.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE FOLLOWING COMPANIES PULLED MY CREDIT WITHOUT MY CONSENT AND BROKE THE LAW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
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. (NC)

On DATE I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (NJ)

Good morning I'm writing that to you help me with a problem that I have, in XX/XX/XXXX I bought a car from the company XXXX XXXX XXXX and who finances my debt is PNC BANK, the car title was sent by XXXX XXXX XXXX to PNC BANK in XX/XX/XXXX and the PNC BANK returned the title because he had some bad, now the XXXX XXXX XXXX says that he has not received anything from the PNC BANK and the PNC BANK says that he does not have it either the title car, they have been blaming each other and the car title does not appear, leading as consequences not being able to register the car, be paying for a car without a title, take public transportation to go to work and do my personal laps, and also gave them my truck as a trade in and now neither XXXX XXXX XXXX and PNC BANK respond. 

I'm paying the loan opportunely. 

I appreciate helping me with this inconvenience.
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In 2012, Wells Fargo strung us along for almost a year, telling me the loan modification for our home mortgage was approved but then kept saying we need more paperwork... it was a game they played until the time ran out. 
I have a very thick file of all our correspondence.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I joined Capital One credit card program back in XX/XX/2019 with their 'Platinum ' card. After receiving numerous emails and physical mail saying I was preapproved for a 'Quicksilver ' credit card which offered a {$150.00} reward for spending {$500.00} in the first 3 months. Because I was preapproved, and knew I would reach the spending threshold due to the holidays, I signed up for the Quicksilver card through their website. This was creating a NEW card account, not transferring, so I do not see why I would not be eligible for the bonus. However, after time passed and I did not receive my reward I decide to try and call Capital One. They claimed I was ineligible for the offer, because I was an existing capital one member. This seems extremely misleading as I was on their email/mail distribution list BECAUSE I was an existing member and those offer all claimed I would receive the {$150.00} bonus. But now I am ineligible so I will not receive my reward and the trouble I went through to open a new card was fruitless. I would just like to be acknowledged that I met their spending requirements for the reward, so why should I be denied because I was an existing card holder - one that they specifically sent misleading offers to?
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (CT)

Arcadia claims I owe {$250.00} for XXXX XXXX received several months ago. Payment was sent to original creditir who's name is not available to me. Payment was made via XXXX XXXX money order, receipt was discarded several weeks ago, nowhere to be found. It appears payment lost/stolen in mail, if not received by original creditor.. In either case, lost or stolen, I will not make duplicate payment
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. 

I have made several attempts to report and have fraudulent items removed from my credit file, However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

The persistence of these fraudulent items reflects poorly Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

The new servicing company on my mortgage, New Rez Financial, has been mistakenly applying my {$5000.00} monthly payment incorrectly by significantly over-applying amounts into the escrow account and under-applying amounts as additional principal payments. I have literally been trying to clear this up with them for over 6 months and I just keep on getting put on hold. I have made probably 20 calls to New Rez without any resolution
Consumer complaint received 2020-02-20
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: Experian Information Solutions Inc. (CA)

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under a new XXXX-XXXX  partnership. Then using my identity he was able to access my XXXX XXXX bank  account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone umber. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than 10 separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XX/XX/XXXX filed with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised resolution within 10 days and never received any further contact Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has a Chapter XXXX Bankruptcy, REF # XXXX as Date Filed : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Chapter XXXX Bankruptcy, REF # XXXX as Date Opened : XX/XX/XXXX, and XXXX  is NOT reporting this information AT ALL!!! Also Transunion has XXXX XXXX, ACC # XXXX Balance of {$3500.00} as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX, and XXXX has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately. I also asked if they would update my personal information in their system, they have not done so.
Consumer complaint received 2020-02-20
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. (CA)

I am here extremely upset and Ive cried so much Im here to file a complaint against Experian Ive been calling and have disputed this matter with Experian there are some inaccurate statements on my report such as delinquency and home mortgage loan along with several inaccurate comments on my report Ive address this matter to Experian and have been since XXXX of last year and more recent XXXX of this year a few days ago I am extremely upset because this negative inaccuracies has caused for bank to denied my application for me to buy a home. I have no home I even cried on the phone to representatives because I couldnt hold back this situation has ruined my only chance of getting my dream home if this matter is not resolve soon I will take legal actions and sued Experian for what they have caused not to fix immediately knowing that I should not have those inaccuracies on my report. Its not fair and also all the hard inquires I have due to me applying confidently knowing I had no worries and I was denied and was upset and confused because I didnt understand why this is happening Experian never fixed the inaccurate negative comments on my report. I have attachments with all the inquiries that needs to be removed on my credit report due to not being approved and denied all because of Experian not doing what they were supposed to do. Please I ask that this matter is resolved I am good human being who simply just needs a home and was denied all because Experian fault I paid all my bills and never been late I have an exceptional payment history and my other two credit reports are outstanding with great credit scores I hope that this gets resolved Im in tears because Im literally was denied for my home and I have no home all for something I have no fault and control over and Experian ruined my life this needs to be fixed and removed so that I can start over with no hard inquiries and be able to buy my home because Experian ruined my chance to by my dream home now.
Consumer complaint received 2020-02-20
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. (PA)

I recently checked my credit report, and noticed there were multiple reports of delinquency on an account. The account noted there were 9 missed payments. All of my current loans ( student, and auto ) are set up on auto pay- so I know this was something I was unaware of. The account provided a phone number, and I called this number and found out it was a Perkins Loan offered by XXXX University. I called the Bursar 's Office, and they provided me with the account information. The incorrect information was as follows : Notices were being mailed to incorrect address ( House my family moved out of over 5 years ago ), Incorrect phone number to contact ( Not even close to my current phone number, nor anyone in my family ). I have access to my university email, and there was no email sent requesting payment, loan info, account info, etc. Had I not checked my credit report, I would not have found this error and continued to miss payments. XXXX University has had all of my current information on file ( Billing purposes, for student personal documentation/ etc. ) but has not updated my loan information. This has caused myself to become behind on these payments, which has resulted in a negative affect on my credit score
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I recently checked my credit report, and noticed there were multiple reports of delinquency on an account. The account noted there were 9 missed payments. All of my current loans ( student, and auto ) are set up on auto pay- so I know this was something I was unaware of. The account provided a phone number, and I called this number and found out it was a Perkins Loan offered by XXXX University. I called the Bursar 's Office, and they provided me with the account information. The incorrect information was as follows : Notices were being mailed to incorrect address ( House my family moved out of over 5 years ago ), Incorrect phone number to contact ( Not even close to my current phone number, nor anyone in my family ). I have access to my university email, and there was no email sent requesting payment, loan info, account info, etc. Had I not checked my credit report, I would not have found this error and continued to miss payments. XXXX University has had all of my current information on file ( Billing purposes, for student personal documentation/ etc. ) but has not updated my loan information. This has caused myself to become behind on these payments, which has resulted in a negative affect on my credit score
Consumer complaint received 2017-01-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

My latest contact with Chrysler Capital was with XXXX at the XXXX if that is her name and what ever the XXXX is????? I have offered again to go over my complaint and they refuse. The XXXX CRA also are not doing a thorough investigation. Both Chrysler Capital and the CRA are just responding in a way to move the case to show there is something going on and that is it SOMETHING??? This is clearly an intentional act of willful intent to cause harm and is reckless. What is happening to me is NO different than what Santander USA was prosecuted for in Texas. I am not an active service member, However I am a XXXX American citizen. If someone would read all the documentation I am confident one would clearly see that Chrysler Capital has from XXXX XXXX and currently is WILLFULLY causing me harm. I have made a reasonable offer to pay the contract value for the car this allows all parties to move on with no loss. With the exception of the the countless hours I have had to log fighting for my rights. The XXXX, time away from my daughter, both XXXX and XXXX, the XXXX it has caused myself my daughter her mother has put us all a step back in an ongoing healing situation. The sad thing here is there are people within the organisation know exactly what they are doing. This is nothing short of terrorism for profit. I am BEGGING for this case be forwarded to ALL Governing agencies that are capable of granting me the FAIR request to get out from under the abusive control of Chrysler Capital and what ever needs to take place to remove the FRAUDULENT CREDIT REPORTING on myself and joint owner. with NO negative comments. Although I feel I should be compensated at minimum the Maximum amount awarded in small claims court for the obvious violations. I just want to pay of the principle amount get the title and move on. I PRAY that this be escalated to the highest level allowable so I can put this behind me. XXXX. The other thing I keep leaving out. When I first discovered the False reporting in spring of XXXX I had just started rebuilding after horrible time in my life. This triggered a DEEP cycle of XXXX I am prone to and I just XXXX and I let XXXX Credit Cards accounts I recently opened. As we all know the financial implications of that. I started dealing with this again in XXXX of XXXX with no resolution. This is what I believe Chrysler Capital feeds on keeping people in the subprime cycle. That is why I believe there business model is report late payments from a supposed missed first payment, so one ca n't refinance after six months, in addition to racking up fees. My account I believe is over XXXX XXXX Dollars overcharged.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

After viewing my credit report I noticed a few details that are in correct on my Experian credit report I do not know about any of these hard inquires, Nor did I request for this information to be on my credit report XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  ; Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (TX)

I have had several loans with XXXX XXXX XXXX whose loans are currently being service by Systems and Services Technologies , Inc ( " SST '' ). I have attempted to get them to honor XXXX benefits in key provisional state ( KP ) of Louisiana, but failed to get any resolve. I am XXXX XXXX military and have been through the duration of multiple loans starting around 2016. I have XXXX to XXXX XXXX XXXX  twice and XXXX failed to apply XXXX benefits during those times either. I have attempted to get the company to honor XXXX benefits in the KP state of Louisiana which reducing my interest rate to 6 % regardless of when the loan was secured. At a very least they should honor the 6 % during time i was XXXX to XXXX, which I can and have provided documentation for. Also during the transition to SST from pioneer, i wasnt getting documentation from SST which caused my account to become delinquent. The company refuse to understand or accept the lost in contact during its transition and have negatively reported on my credit report although it wasnt my fault, I was out of the country due to military obligations.