davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AK)

In XX/XX/XXXX, I was approved for a modification through Wells Fargo. I was going through a traumatic divorce and they knew it. They were provided a quit claim deed and draft divorce in XX/XX/XXXX. I made my payments on time on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. In XXXX, Wells Fargo cancelled my modification without allowing my to finalize. They later stated that I had refused to have my ex-husband sign, which is false. My ex-husband refused to sign stating he had signed a quick claim deed and the house was awarded to me on XX/XX/XXXX. I also had a protective order against him because he was trying to kill me. Wells Fargo also stated that I have not provided the documentation required even though I had emails proving that I had. They forced me to open a new modification request, denied it in XX/XX/XXXX. I pursued escalation and they opened another request and approved. I made my trial payments again and am awaiting finalizing. I have asked that they correct my credit report to show I made my payments and to correct the damage their actions caused.
Consumer complaint received 2023-08-12
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: World Omni Financial Corp. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am nearing my XXXX payments for student loan forgiveness through MOHELA. 
MOHELA placed me on forbearance for my student loan in XXXX and they are now not counting it This payment should count as they are the ones who placed me on forbearance. Now they are asking that I pay for XXXX, and then re-upload my employment verification. 
Please help!
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (FL)

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights under 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. 

Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX
Consumer complaint received 2019-01-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bronstein & Weiss Arbitration (GA)

I was first contacted by Bronstein & Weiss Arbitration about 2 years ago about a pay day loan taken out in XXXX, Ohio by a woman who had the same name. They called the home of my elderly parents and were rude and threatened to serve me papers at their address. The papers were never served. A few months after that the abusive phone calls started again. This time they were calling my parents and my cell phone leaving messages that they would come serve me at my job. In XX/XX/XXXX they contacted my parents again and called my cell phone. When I answered the man on the line was extremely rude telling me to pay what I owe and that because of Trumps presidency he could speak to me in any tone of voice. The man hung up on me. After calling and being hung up on 3-4 more times I finally got a person on the phone. We compared information and determined that I was not the account holder. The social security number, address, date of birth, and place of employment were different from mines. Fast-forward to XX/XX/XXXX and I am still receiving threatening phone calls to my parents home and my cell phone. I have asked for documentation but of course I haven't gotten any because this person lives in Ohio and I live in Georgia. They have threatened to come to my job but I don't work at XXXX XXXX in Ohio. They are scarring my parents and causing my problems at work because they keep calling my cell phone.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an account with Bank of America around XX/XX/XXXX-XX/XX/XXXX joint with my mom. I opened it while I was in high school. I had approximately 2,800 in the account when the account was overdrawn by {$1000.00} and my account stated that I had written a check with insufficient funds even though a banker specifically told us that the money was taken from my account to pay for a loan that was fraudulently taken in my mother 's name.
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

I am trying to get an update on my loan forgiveness. I have made XXXX qualifying payments for public service loan forgiveness. I submitted my last certification form 3 months ago. Both the MOHELA website and studentaid.gov confirm I have made the required number of qualifying payments, but my loans have not been forgiven. I have tried contacting MOHELA for more information but am unable to reach anyone. I have waited on hold for XXXX minutes and nobody from MOHELA responds. I just keep waiting on hold...
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (CA)

I received a bill in the amount of {$1400.00} from XXXX XXXX. I left XXXX XXXX and closed my accounts with them back in 2018. Im not sure why in receiving a bill 3 years later. I have been paying off my credit card with XXXX XXXX  since then which is in collections. I do not recall or understand why Im receiving this. I already owe XXXX XXXX  over {$4000.00}. Now this? Im sorry but they combined everything I owed them into one amount and Ive been paying since. This is wrong and incorrect.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I closed a home equity account with Union Bank in XXXX of last year. The Bank states " refinance your account with a new mortgage product with Union Bank.. '' ( letter dated XXXX XXXX, 2017, from Union Bank ) which was done in XXXX. 

However, the Bank continue to send statements bearing the account number from the old terminated account, and refuses to explain why. This old account had some undesirable features that I do not want to continue. When I request the source documents from the new mortgage account I get no reply.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Myloancare was servicing my mortgage that started in XXXX of XXXX by XXXX XXXX XXXX. I was set up for autodraft and they took my XXXX payment electronically for {$1100.00} I received a letter saying my mortgage had been taken over by XXXX and when I called, they told me that my EFT would not work and it had to be re-set up. This was XX/XX/XXXX and my payment was due the XXXX. They said I did not have to pay it, because they would allow 30-60 days during the transition. However, I know that they will still be charging me interest, so I made the {$1100.00} payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, serviced by Myloancare ( loan number was XXXX ) withdrew {$1100.00} from our checking for the XXXX payment. It has been a nightmare to try and get these funds back. 13 days later and I can not get anyone to return my call. I have received communications from a XXXX XXXX via phone and email trying to track down my money. I sent copies of my bank statement to XXXX XXXX. Finally XXXX said they found the money but would only mail me a check and they refused to do an electronic transfer and when I requested by voice mail for an overnighted check, no repsonse. I even left a voice mail for XXXX XXXX who is the CEO of the parent company and not even a courtesy response.
Consumer complaint received 2019-07-12
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. (OK)

I have a hard inquiry from XXXX XXXX I have been disputing since XX/XX/XXXX with XXXX and equifax that XXXX  XXXX verified as fraudulent and said they contacted credit to remove. Still has not been taken off my credit by either company
Consumer complaint received 2023-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/2023, I sent Midland Credit Management a letter of debt validation under 15 USC 1692g for an alleged debt of the amount {$610.00}. They keep reporting it each month too as a new collection. I have the receipt where I sent it certified mail green return receipt. They received my letter sent to them on XX/XX/2023. They sent back the green return receipt, but failed to send me a response to prove that the debt belongs to me. They never sent me a model form b1 and parked an account with an alleged debt on my consumer report.
Consumer complaint received 2019-01-22
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. (NC)

I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my XXXX, experian, and XXXX credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX  - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX   XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 Experian XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX  - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**
Consumer complaint received 2019-01-22
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. (NC)

I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my XXXX, XXXX, and transunion credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX  XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX   XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX  - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

Have been trying to modified or short sell this property with no corporation with the lender and will not give enough time to do so. ON XX/XX/XXXX OF 2018 I SUBMITTED A MODIFICATION PACKAGE and then was told no time to revive it due to pending sell date. On XX/XX/XXXX of 2018 I submitted short sell package and then again was told, no time to review it cause of the sell date. This happened again for the month of XXXX of 2018. The Amount of XXXX.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX   XXXX - the truck that I wanted was at Chrysler but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through Chryslercap. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because Chryslercap had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that Chrysler then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with Chrysler no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call Chrysler.
Consumer complaint received 2019-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (NC)

made online loan in XX/XX/2019 for {$650.00} company did not explain the conditions of the loan or the high interest rate of 600 percent have now paid approx. {$2000.00} repayment on a {$650.00} loan and still paying feel as though company does not disclose terms of loan and are hard to contact if they are gave full disclosure of terms of loan I would not have dealt with company they are taking unfair advantage of people who are already financially spent out and in dire needs did not receive any contract information from company
Consumer complaint received 2021-06-10
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

5/3 BANK NA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NE)

Since XX/XX/XXXX had a Credit Card with Wells Fargo. I had some financial Hardship situations happen to where I couldn't make the payments for awhile until I was able to get back on my feet. Any time before the hardship happened, all my payments were on time and no problem at all. The card went into Wells Fargo Collections XX/XX/XXXX - XX/XX/XXXX I was in good standing status with this card. The following four months I  was late on my payments, so then Wells Fargo closed the card and the account. I then continued to receive calls from the Wells Fargo collections department all hours of the day. When I was able to finally put some money towards this card, I called them so that we can make payment arrangements. From XX/XX/XXXX - XX/XX/XXXX I made payments. XX/XX/XXXX I called the collection dept. and made a full payment. They told me that they would send me a paid in full letter, which they did. As well as correct the status of this account with the major credit bureaus right away. According to my most recent credit reports, the status of this account has not been updated. This has stopped me from increasing my spending power with other Credit cards because this has not been corrected.
Consumer complaint received 2022-08-27
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. (IN)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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
Consumer complaint received 2023-08-11
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: OneMain Finance Corporation (CA)

On XX/XX/2023 a Hard Inquiry was run on my credit through XXXX. The personal loan company name is Onemain Financial Services, and they can be reached at XXXX. 

I called, and the representative determined that there may be fraud on my account. The representative called the specific branch and let the lenders know that the inquiry that they requested was fraudulent.

The representative from Onemain told me to contact the credit bureau to dispute the inquiry ran on my credit.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple addresses that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WY XXXX, FL XXXX
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (LA)

On XX/XX/XXXX there were 3 balance transfers from my Comenity CC. The first one for {XXXX} was mine. There were an additional 2 charges : {XXXX} and {XXXX}. Comenity states that these went to a XXXX account and I do bank with XXXX Bank BUT these did not go into my account or any account that I am aware of. I have gone to XXXX Bank and sat down with them and they checked all my accounts to confirm that these transactions did not occur on my account. Comenity will not tell me the account where these amounts were transferred. So that my credit would not be affected, I have paid Comenity but these are not my charges and I have been trying since XX/XX/XXXX to get my money back.
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (CA)

I received a bill in the amount of {$1400.00} from US Bank. I left US bank and closed my accounts with them back in 2018. Im not sure why in receiving a bill 3 years later. I have been paying off my credit card with US bank since then which is in collections. I do not recall or understand why Im receiving this. I already owe US bank over {$4000.00}. Now this? Im sorry but they combined everything I owed them into one amount and Ive been paying since. This is wrong and incorrect.
Consumer complaint received 2019-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

Sallie May ( the student loan dealer ) solded it's business to navient - 2003 my sister took out a loan with sallie may - when they sold there business some how all of her info transferred to me and shes receiving all of my information.. Not only that but when it comes to my bills and payments they send them to her! They claim I gave them her email address but thats all lies - theres no proof of that - they completely violated my personal information and breached the contract by giving out my information and violating my confidentiality rights!
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (AL)

A collection from XXXX XXXX XXXX was presented through a civil case in the amount of {$700.00} for a debt my ex husband took out in my name. I am waiting on proof of debt. According to the divorce decree I am not to be held liable for any expenses regarding his motorcycle. I believe this was for a helmet.
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I found out about the debt when trying to refinance a mortgage. LVN Funding LLC was on my credit report the debt {$400.00} XXXX XXXX XXXX on XX/XX/18 an old account that had been settled. I attempted to contact LVN funding to discuss the debt noting had been settled and was told this could not be removed from my credit report.