davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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. (NC)

Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AL)

Specialized Loan Servicing recently filed for the Bankruptcy courts to lift the automatic stay which will allow them to foreclose on my home. I believe that this stems from me applying for the ( MAA ) Mortgage Assistance Alabama, and Specialize Loan Servicing not wanting me to receive this Covid Relief Assistance to help me become current on my payments. When I call they pretend that they are not knowledgeable of this program, however ; my assigned Underwriter has stated that Specialize Loan Servicing does participates in this program, and she's not sure why they wouldn't want me to be able to get this mortgage relief due to Covid. Although, I got behind a year ago on my payments, I have been making my monthly payments, however ; ( SLS ) has threaten to foreclose on my home. 

I also faxed ( SLS ) a letter on XX/XX/2022 requesting and giving them permission to give my information to the Underwriter, and they are pretending not to know what to do. 
It seems from my investigation that this company has a history of not wanting to help customers. We are in a pandemic and this program was designed to help people who are wanting to get back to some type of normalcy. Specialized Servicing goal is to take people homes.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (CA)

The Mortgage servicing company is Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (TN)

In 2011 I had an auto loan with Wells Fargo on a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was emotionally incapacitated and could not handle routine things. I did not pay my car payment on time. They would call me over and over and over again every day using multiple different numbers. I could not handle it. I finally answered the phone and tried to make a payment once it became 30 days past due. I explained the situation the the woman on the phone. She told me that it was too late to make a payment. I had to pay the entire balance or they were going to repossess my car. The balance was $ XXXX - $ XXXX. Three days before XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, they repossessed my car then sold it at auction a week later for $ XXXX less than I owed on it. They then came after me for the {$5000.00}. I ended up settling with them and had to pay them {$3500.00}. I literally wrote their Board of Directors a letter and detailed this outrageous thing that happened. They sent me a letter in return that actually said, That never happened. That would be bad business. But it DID in fact happen. I was so outraged that I went to an attorney in XXXX XXXX XXXX and talked about suing them. The attorney discouraged me and said it would be like XXXX against XXXX. I was broke, both financially and emotionally. I let it go. Ive been through so much and they compounded it exponentially with their shady and illegal business practices. 
I also just found an email verifying that the account representative I spoke to literally lied to me about a letter that Wells Fargo mailed me. I will attach that email. Its been so long and my life was in chaos. I dont know if I have any of the other letters or documents. I moved 10 times since that time and my mental health spiraled as a result of my XXXX XXXX and the financial strains.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX, my credit card account with USAA was closed by USAA without any warning or reasoning. I called trying to figure out why my account balance was showing XXXX when I only had half of my limit used and had just made a {$1500.00} payment to that card. I called them to figure out what was going on which was when XXXX, from servicing for credit cards department, proceeded to tell me that they had decided to close my account. Hearing this, I asked why ... she told me that they were not going to tell me why but it had something to do with fraud on that account. I responded saying yes I called about a month ago due to my card being hacked at XXXX with multiple XXXX cent charges occurring while I slept that night. The following morning I called USAA, reported the fraud, got a new card sent in the mail, and thought everything was ok. Thats the only thing I can think of that occurred fraudulent on that account ... so I asked her why am I being punished for someone else hacking my card?? She didnt give me an answer then proceeded to tell me that ALL my accounts were being closed including my checking and savings account and that I would receive a letter in the mail telling me I have 30 days. Continuing to ask why they are being closed and what I did wrong so I can avoid doing whatever it may be in the future, she kept stating that she couldnt give me that information. After that, I stated that I couldnt afford to pay off the full credit card amount within 30 days and asked what would happen if I didnt ... XXXX stated I would be sent to collections. I then asked to speak to a supervisor and she said she had no supervisor I could speak with. Finally, I got transferred to XXXX, in executive resolutions department, who was no more help then XXXX. Refusing to give any information to why they were closing my accounts. I then insisted on speaking to the CEOs office ... XXXX said they werent available and even if I spoke to them they wouldnt give me any information about why the accounts were being closed. Being a USAA member for 15 years and in the middle of a COVID crisis and out of work for 6 months due to the extended shut downs in my state I am in shock and emotionally incapacitated. Having limited funds, I cant afford to pay my entire balance off and start somewhere else. Especially knowing that this account closure will affect my credit score and financial standing.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, 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. (NC)

All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.
Consumer complaint received 2022-06-17
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)

On XX/XX/2021 XXXX added XXXX derogatory mark on my credit report per XXXX and Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA, XXXX has violated my rights as a consumer and XXXX requesting legal action to remove this account immediately.
Consumer complaint received 2018-04-19
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. (MN)

I seen multiple hard inquiries on my trans union and XXXX accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

Proficio financial services and XXXX XXXXXXXX XXXX XXXX claimed that the business I was running back in XXXX did not pay them the insurance money that the insurance authorized. 
the business never received any contract or estimate from XXXX XXXX XXXX XXXX. They submitted the invoice to the insurance company. and the Insurance company approved only {$3800.00}. The business paid them what the insurance approved. 
They are trying to scam me for {$4400.00}. 
I do not owe XXXX XXXX XXXX XXXX anything. They got paid what the insurance approved.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (GA)

TSI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX On XX/XX/2024 added a derogatory mark on my credit profile per XXXX XXXX for {$1400.00}. After further research this account was transferred/ sold and I am no longer responsible. Also there was no written form of communication or signed contract for this debt. I was Never sent any communication about this debt prior to It appearing in my credit report. The validation provided is in XXXX XXXX name. That is not my name. Please provide validation in my name
Consumer complaint received 2022-03-04
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: BANK OF THE WEST (OH)

In XXXX of XXXX I took our an auto loan with Bank of the West on a XXXX XXXX XXXX for XXXX, and in Late XX/XX/XXXX I paid off this account in full. However, I have yet to receive the title from the Bank of the West & they have closed my online access to the account. Thus when I call every single number online I either can not get pasted the automated prompts ( because I dont know my account number ) or if I get someone on the phone they can not provide me any information on when ill let me the original title from them. I have waiting over 8 months from paying off, and would like the title provided to me as the owner of the vehicle.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing this today in regards to XXXX  XXXX  Account # XXXX, I have reached out to the bureaus along with XXXX  XXXX  to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent
Consumer complaint received 2020-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2020. I mistakenly sent {$350.00} to XXXX XXXX XXXX through XXXX XXXX. As soon as I realized it was a mistake, I tried to reach XXXX XXXX XXXX but to no success. She blocked my phone. I tried to complain to XXXX XXXX  customer care but to no avail. 

I called my bank, Bank of America to let them know and to also find a way to stop the transaction from going through. 

The first person I spoke to told the that the transaction was still in progress. I pleaded that they should not allow the transaction to go through. I told the customer representative to block the transaction and send my money back. 

I did that in less that 24 hours. 

My bank told me that they will investigate the matter. After they did, Their conclusion was that person that received the money said that it was not a mistake. 

I am very much dissatisfied and disappointed at Bank of America for not protecting a customer interest when it matters most. 

My hard earned money is gone with the wind. The person that received the money did not render any services to me to deserve that amount of money I had hope in Bank of America as a financial institution but after this transpired, I am beginning to think of how to leave the bank for good to another bank that will protect my interest when it matters most and at all cost.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada) (NV)

I tried to contact Allied Collections and kept getting transferred out to offers for insurance and extended warranties on vehicles from which I wasnt there to call for. They never gave me notification of collection OR did they try to reach me at any point in time between when XXXX had it. XXXX, on a phone call, verified that they would not send the debt to collections since XXXX dissolved XXXX into the latter, therefore buying out all debt of XXXX.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Company offered a phony promotion through a statement insert claiming that you will receive a {$15.00} statement credit after making 3 single transaction purchases of {$10.00} or more at Exxon/Mobil gas stations. I qualified by making the required purchases.
Consumer complaint received 2020-07-29
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: EQUIFAX, INC. (NC)

Equifax is reporting this account with no Creditor information. I have sent multiple letters requesting an investigation and asking to have this incomplete record removed. Equifax refuses to remove this incomplete record. 
Account number XXXX Collection opened XX/XX/2016 Account type Collection Account Paid off : 0 % Balance on Loan Amount {$110.00}
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The CFM Group (CA)

I received a phone call from a gentleman by the name of XXXX XXXX approximately a year ago telling me that I owed this debt and if I don't take care of it, legal action would be taken. I explained I didn't know what this was and I wasn't going to pay for it. He stated the debt was for a Help Card that was opened in XX/XX/XXXX, last activity on the account was XX/XX/XXXX. The amount was charged off. I explained again it wasn't my debt and XXXX XXXX said he would take legal action to seize my property and garnish my wages. I ended that phone call. Within the last two weeks, the phone calls started again. The first one was a lady asking if I would be available the following day to be served papers to go to court. She stated she knew I have had discussions with people in her office informing me what this was about so I need to make sure I am available to be served. I again stated I had no idea what she was talking about. She gave me a phone number to call and inquire about the debt. I have caller ID blocked on my phone so you can't see what number I am calling from. When I called, another lady answered and without introducing myself, she knew who I was. She said my name appeared on her phone. She went on to inform me this was my debt and I need to take care of it. She said if I would just pay it, they wouldn't come after my paycheck. She further stated they are going after my money, my house, my cars, my check and they will get it. I explained again to the second lady this was not my debt and she continued to let me know they will get my pay check one way or another. I received another phone call one week later from a gentleman named XXXX XXXX - he left a voicemail message stating he can only help me and my husband if I call and take care of this matter by the close of business today. I returned his call and he started accusing me of not paying my debt and I just need to return the merchandise. I asked for his address and company name and he refused to give me the information. I told him I had contacted an attorney regarding this matter and he informed me that he would love to speak to my attorney and if I would give him the name of the law firm I contacted, he would provide me with his information. I told him they were using threatening language with me and their tactics were unprofessional and unwanted especially since the debt isn't mine. He stated he is going to get the money for his client and I need to surrender the merchandise and pay the debt. He then accused me of playing games and they will see me in court. During the conversations, all of the individuals I have spoke to could never clearly state who the company was that they were working on behalf of. They only stated it was for a HELP Card for either a mattress, exercise equipment or something of that nature. Once we hung up, my XXXX XXXX was through the roof and I was XXXX XXXX. These phone calls need to stop asap.
Consumer complaint received 2020-07-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IA)

I am in process of trying to transfer my loans to take advantage of PSLF. One of my employers from XX/XX/XXXX - XX/XX/XXXX has since dissolved, as such I am unable to obtain the Employer Certification. 

Fed Loan Servicing has advised that I need to produce either paystubs or w2s from my time of service in order to qualify for PSLF certification. I did inquire if they would accept my 1040 Tax filing or an IRS Transcript of my tax return showing the employment from that period however they will not. 

I do not have the means to produce the required documentation and am requesting support or an alternative means of certification.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (PA)

Innovis continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other names or address listed on my report. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.