davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was not told about the foreclosure date nor was I informed. I called the bank and had an understanding that we will fix the unpaid balance as soon as I finalized the divorce proceedings. I am still protected under the scra ( Soldier Civil Relief Act ) but they  already foreclosed my home. I have tried calling them.Theyy took my property out of the house I don't know if they put it on storage or what happened to it. I was under a judge orders restricted to enter my house and was waiting the final decision to return to my house but the bank took control and changed the locks to the lthouse the realtor in charge send some pics of the remainder of my stuff still held in the garage but I call the new realtor selling my house and was told they got rid of all my property I was not even evicted. I have the money to continue making the payments but they are not making any attempt to settle and rather foreclosed on me.
Consumer complaint received 2019-07-30
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. (FL)

I have been trying for more than 10 days to fix an error on all three credit reports. Equifax fixed the error which was probably caused by their breach within 24 hours. I filed to have XXXX  also fix the 2 errors. 
I am not XXXX XXXX XXXX XXXX and I have never lived at XXXX XXXX XXXX, XXXX  XXXX, XXXX, Fl XXXX. 
These two errors need to be fixed by both XXXX and Equifax. I have tried to contact Equifax for over 1 week and they are impossible to deal with. Their dispute website does not work and I keep getting kicked off. If you pay for a yearly membership, you might get through, but I doubt if that would even work. There is no human contact or customer service to help. Of all the credit bureaus they are the worst and only want to sell me my credit report or establish a membership. 

XXXX XXXX XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Collection : US DEPT ED XXXX Balance : {$1800.00} Date OpenedXXXX US DEPT ED XXXX Balance : {$2300.00} Date Opened : XX/XX/2018 Late Close : DPT EDXXXX XXXX Balance : {$0.00} Late Open : DPT EDXXXX XXXX Balance : {$3600.00}
Consumer complaint received 2022-02-22
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. (FL)

I sent a credit reporting dispute to XXXX, Transunion, and XXXX Credit Bureaus on XXXX XX/XX/2022, requesting that XXXX accounts listed on my credit report as XXXX XXXX XXXXXXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (ND)

Soon after I turned XXXX, probably about 5 years ago I went to XXXX  and I signed up for a Prepaid phone plan. The plan was not under contract and it was able to be cancelled at any time. I stopped using that phone and I went to another carrier due to the awful service I had been receiving.I have now located a debt collection on my credit report for $XXXX from XXXX. I have NEVER gotten any communication from XXXX telling me I owe this bill, and I have never been given a chance to pay the bill before it was sent to collections and I had no knowledge I even had a bill from them since this was a prepaid account. I have also never gotten any communication from the agency it is with now.I’m extremely concerned that I am being held responsible for this without being given a chance to pay the bill. I would never let a $XXXX bill go to collections and damage my credit report but since I wasn’t given a chance, that is exactly what happened. I need proof that I owe this bill, an explanation as to why this was not communicated to me, as well as an agreement to remove it off my credit report before I pay for it.This is very disorganized and unprofessional.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX. XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$280.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Transcontinental Credit & Collection Corp (CT)

On XX/XX/2017 I have received two notices from Trans-Continental Credit & Collection Corp. regarding a XXXX Hospital 's bill which totally disagree with because XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX took care of the medical bill through the financial assistance that is one of the program of the XXXX Hospital.
Consumer complaint received 2021-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this report.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a natural person and a federally protected consumer. NAVY FEDERAL CREDIT UNION is a financial institution holding the account ending in XXXX that belongs to me, the consumer. On XX/XX/2021 I certified mailed with a green receipt a remittance coupon, a negotiable instrument as defined by UCC 3-104, to NAVY FEDERAL . Before sending the negotiable instrument, in an attempt to gain clarity I asked a representative in the secured portal how NAVY FEDERAL CREDIT UNION wanted me to indorse the remittance coupon. I was told to indorse it to NAVY FEDERAL and that is what I did. The negotiable instrument was received on XX/XX/2021 and signed for by an agent on behalf of NAVY FEDERAL. NAVY FEDERAL accepted my negotiable instrument for the value of {$22000.00} as the instrument was not returned. Pursuant to UCC 3-603, NAVY FEDERAL is a person entitled to enforce the instrument, therefore, even if they refused it the alleged debt is discharged upon receipt. On XX/XX/2021, NAVY FEDERAL without my consent processed an electronic fund transfer of {$450.00} from my personal savings account to the credit card account. This is a violation and breach of their own card agreement as my negotiable instrument paid NAVY FEDERAL in full therefore, NAVY FEDERAL had no right to go into my personal savings account and process an electronic transfer of my funds. This is an unauthorized electronic fund transfer and blatant wire fraud as I did not consent to having my funds electronically transferred from my personal savings account to the credit card account ending in:XXXX.
Consumer complaint received 2021-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I received a letter from a debt collector, stating that if I paid 35 % of my total debt it would be settled and paid in full. 7 days later I paid the settlement amount. I received a written letter from the debt collector stating my account had been settled in full a few days later. Months has gone by, and they have only reduced the settled amount from the original amount owed, instead of bringing my balance to XXXX. I have disputed it and provided all the proof to XXXX, and they told them the balance reporting is correct, which is false because it should bring my balance to XXXX which again I have proof in the debt settled in full letter from the collector. Now, since I paid the settled amount, the original grantor is reporting my account as delinquent every month, hurting my credit. The whole point of me paying the settled amount was to help my credit. They are definitely not allowed to do this and it is not fair to me.
Consumer complaint received 2022-02-03
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: WELLS FARGO & COMPANY (FL)

Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender . Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss.

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( ref XXXX XXXX XXXX XXXX. During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX MOD & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXX XXXX  XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, ( XXXX XXXX XXXX ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.
Consumer complaint received 2018-08-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Weinberg Mediation Group LLC (VA)

On XX/XX/2018 a debt collector from Weinburg Mediation Group called the address that I do not reside at any longer. The collector told a relative the amount of debt that I owe, which I thought was private information.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I paid for two American Express Pre-paid Gift cards on or about XXXX 2021, each in the value of {$75.00}. Both cards had charges on them before I even received the cards in the mail. I attempted to comminicate with American Express to advise that they needed to send replacement cards. Amex said that they disclaimed all liability! For more than one year, I have been attempting to communicate with the Executive Office of American Express about this issue. I have been told that AMEX will not assist me.
Consumer complaint received 2021-07-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I received a letter from a debt collector, stating that if I paid 35 % of my total debt it would be settled and paid in full. 7 days later I paid the settlement amount. I received a written letter from the debt collector stating my account had been settled in full a few days later. Months has gone by, and they have only reduced the settled amount from the original amount owed, instead of bringing my balance to XXXX. I have disputed it and provided all the proof to equifax, and they told them the balance reporting is correct, which is false because it should bring my balance to XXXX which again I have proof in the debt settled in full letter from the collector. Now, since I paid the settled amount, the original grantor is reporting my account as delinquent every month, hurting my credit. The whole point of me paying the settled amount was to help my credit. They are definitely not allowed to do this and it is not fair to me.
Consumer complaint received 2018-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

RECEIVED THE WRONG INTEREST RATE FOR MY MONEY MARKET ACCOUNT. OPENED THE ACCOUNT IN XXXX XXXX FLORIDA IN XX/XX/2016. MOVED TO OHIO IN XX/XX/2016. HAVE BEEN RECEIVING THE FLORIDA RATE FOR TWO YEARS, AND I WANT THE CORRECT INTEREST RATE APPLIED TO MY ACCOUNT. BANK TOLD US THAT WE WOULD HAVE TO CLOSE THE ACCOUNT AND REOPEN IT. WOULD NOT MAKE UP CORRECT INTEREST.
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2019-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I sent a {$1100.00} using a money remitance application name remitly but when i send it. It said that my money transfer was cancel but my money in my bank account in Bank of America decrease by the {$1100.00}. When I call the money remitance they say that they didnt received my money yet.
Consumer complaint received 2022-02-22
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. (OH)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX/XXXX  account # XXXX. 
XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXXC account # XXXX 15 U.S.C 1981 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 an account without my written instructions.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

I applied HAMP Tier 2 Loan Modification to BBVA Compass and requested them through certified mail and they asked me to send them more documents for their processing as enclosed evidence are true and correct copy of their requests and is in incorporate by reference as if fully copied herein. BBVA Compass have allegedly been attempting to modify my loan, nevertheless, BBVA Compass later refused and rejected, and thereby they forced me to pay off my whole debt loan. Payment in arrangements are in the verge of being process and in order for me to stay in my home, I found a buyer and asked once again BBVA Compass to re- consideration first approve my Loan Modification, in response of an alternative solution and possibilities while waiting for my buyer to close. I was trying to work on with my buyer and BBVA Compass always demands to pay off my loans debt in my home, at the same time, threatening me to foreclose, hereto a purchase contract enclosed ( a true and correct copy of the purchase contract and is incorporated by reference as of file of copied herein ). In spites of my diligence in assisting my buyer to close her third party financing ; BBVA Compass wanted to acquire said property and had no intent in mind to allow me to sell and close the sale of my buyer in order to cure my defaults. I had expended a lot of time and money and invested my entire life savings to my homestead and as such a great wrong was done by BBVA Compass. In my assertion that BBVA Compass were not dealing with me in good faith.
Consumer complaint received 2018-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

There are 2 accounts that are appearing on my credit report from XXXX XXXX XXXX XXXX On XX/XX/2018 I sent them a request asking them to validate that these 2 were my accounts such as a contract or application. To this day I have not received anything from them. I did send out the letter certified mail so I do have proof that they did receive it.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

My credit card information was stolen while traveling in XXXX XXXX, Mexico. I called Barclay to notify them that my card information was stolen from my Barclay XXXX  XXXX Mastercard. I notified them of all the specific charges I disputed. I spent several hours with them on the phone over XXXX separate occasions. They initially informed me that my fraud dispute was denied and that I first had to attempt to dispute the charge with the merchant. However, the business in question is not a merchant but a chip payment processor in XXXX called XXXX, which is similar to XXXX in the Unite States. I contacted XXXX to dispute charges but they ignored me. I called Barclay again and they said fraud department was investigating and they could not provide me any other information. I called once more and they said the same thing. It became clear that I was just being given the run around and nothing was being done by Barclay. It has been several months and I have not received a further response. 

The main charges in question are as follows : XX/XX/21 XXXX  XXXX XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX  XXXX XXXX