davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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. (NJ)

I started disputing with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for, on XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30 to 45 day timeframe that they are supposed to respond in per the FCRA. On XX/XX/XXXX and XX/XX/XXXX ( I sent these certified to prove deliver, I attached the delivery confirmation to this complaint! ) I sent another letter to each of the bureaus demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing! No investigation was undertaken, no verification was made, and no response was sent to as they are REQUIRED to do by law! I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-09-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK (AR)

On XX/XX/2014 my signature was used to generate a tendered, refused & discharged financial transaction via PROMISSORY NOTE as cash proceeds towards the purchase of real property XXXX XXXX XXXX XXXX XXXX Arkansas XXXX, however instead of the PROMISSORY NOTE being applied to the originator of the loan, the originator payed it forward to XXXX XXXX. Foreclosure is fraud because the MBS can not be registered to perfect a secured claim as collateral. ARTICLE 8 UCC.. The MBS, if registered, would prove lender fraud. Im requesting a TILA REGULATION Z, 1099OID & OMB_FR2046,2049 & 2099 from lender and parties allonged to the DTC doing business as CEDE & CO. If the entities wanted to do right by the American borrower & those Citizens abroad then those Lenders/Bankers could have shared from derivatives yielding from the MBS & PROMISSORY NOTES. 
THIS IS FRAUD, FRAUD, FRAUD!!!!!!

Under ARTICLE 9 UCC, the MBS is defined, but NEVER EVER DO YOU FIND A REGISTRAR REFLECTING A SECURED CLAIM AGAINST A MORTGAGE BACKED SECURITY. Tell those FEDERAL RESEVE BOARD OF GOVERNORS TO TURN GREEN & COME CLEAN OR DECOLONIZE NOW, NOT TOMORROW, NOT A MONTH FROM NOW, RIGHT NOW TODAY! Ty please..
Consumer complaint received 2019-10-02
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. (CO)

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX  - account number ****XXXX. ( Please see page attached from my credit report. ) This account has since been transferred. I filed for Chapter XXXX bankruptcy in XXXX and it was discharged in XXXX and I was released from the note on the property so this account should be reporting a {$0.00} balance as it was included in the bankruptcy. However, my ex-husband re-affirmed the loan and it was sold to a new loan servicer. In that transfer, there was an error and the new loan servicer ( XXXX XXXX ) is reporting a balance on my credit report. I have called and tried to talk to them to explain the issue however, I have not been successful. They said that because I was on the original note, they will continue to report this account. I explained that I have documentation to show I am no longer associated with the property in question however, they would not listen or even allow me to show them the documentation. I have attached copies of the paperwork showing that this property was included in the bankruptcy and should not be reporting a balance and/or even be reporting at all on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on XXXX And Experian. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!
Consumer complaint received 2024-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

My concerns regarding Wells Fargo checking and saving account. I have been banking with the bank for over 30 years. In XXXX  I sold my home, social security and a lawsuit that took my total {$170000.00}. During this time, I was dealing with a rare XXXX  XXXX. I recently received Fargo sent a letter regarding products submitted to my account without my permission. My first check was XXXX for products that were taken from my account. I soon received a second a letter regarding another product sells. I went to the Bank in XXXX CA and the banker open my compliant. I wanted my account reviewed, but no one would help me with my questions. The amount owed to me has changed from {$2300.00} to XXXX. I not received the check, but my case have been closed. My case manager has not returned my calls, My Case Manager XXXX XXXX ( 7 times ). I have not received any detailed paperwork after requesting an audit on my account. Reference # XXXX Please assist me with this matter. There is a least about XXXX
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MO)

On XXXX I had XXXX in my checking account before a transaction processed for XXXX for {$15.00}. Afterwards I had {$5.00} in my account. I withdrew {$140.00} and that over drew my account. On XXXX XXXX I was charged two {$36.00} overdraft fees. Then a transaction went through for XXXX XXXX for {$19.00}. On XX/XX/XXXX I was charged another overdraft fee for {$36.00}. I have made several attempts to resolve this issue over the phone and through the member message center but I was told that the XXXX XXXX  transaction was processing when the XXXX charge went through so they charged me an overdraft fee for the XXXX charge and the withdraw. Then when the XXXX XXXX payment processed they charged me another overdraft fee for it. I had enough money in my account to cover either the XXXX transaction or the XXXX XXXX transaction but since XXXX XXXX was pending when the XXXX Charge went through I was charged an overdraft fee for both transactions plus the withdraw.
Consumer complaint received 2016-11-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services (SC)

Recently my payments on my personal loan with Lendmark Financial has went into default. I still try to make at least one payment until I can get caught up on all payments. Recently I wrote Lendmark a letter asking them to stop contacting me by phone and to contact me by mail because the phone were 3 to 4 times a day every day after that I was served with XXXX Court Papers so now they are claiming no payments have been paid and they want the payoff balance. The only notification I received about this action was letter in the mail from the Court. Lendmark only sent me the next month statement and a letter to defer my account.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (RI)

I opened an account online with wells Fargoon XXXX XXXX and 1 day after opening my account I got an email saying they're closing my account because they can't verify my information which has to be a mistake because I provided them with all accurate information
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX XXXX I received a debt collection letter by Midland Credit Management stating that I had a XXXX XXXX XXXX XXXX XXXX XXXX account. I've checked my credit XXXX report and see no report on this account. The amount that is states I owe is {$7000.00}. Supposedly my last payment date was XX/XX/XXXX and my date of default was XX/XX/XXXX, account was charged off on XX/XX/XXXX. I don't ever recall ever opening this account. 
I've called the company, but I felt very sketchy vibe over the phone. They were very eager and demanding for me to pay this account that i have no clue about. 

Please would really appreciate the assistance. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-05-10
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: EQUIFAX, INC. (FL)

On multiple occasions I have attempted to access my claim status on the company website and receive a " Try again later '' message after correctly answering the security questions. I called and requested a paper copy of the results of my dispute and have not received any information in the mail. The company continues to send me emails but I can not access the dispute results or my credit file via their website. This has been an ongoing issue with Equifax.
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

The amount is XXXX This company calls my work phone daily very rude and harassing me.This company has threatened me to take me to court and again garnish my wages. This daily harassment has caused an increase in my anxiety at which I am now taking medications to help me to manage the symptoms of anxiety. 

They have also hit my credit report over and over. Very rude people
Consumer complaint received 2018-08-31
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: VW Credit, Inc (IL)

There's a fraudulent account being reported to my XXXX  credit report. I have sent numerous disputes letters to XXXX along with a police report and FTC affidavit notarized and they will not remove the account. It's a fraudulent account reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX dating back XX/XX/2015.
Consumer complaint received 2016-10-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc. (CA)

Awa collection is stated that i own them XXXX from XXXX XXXX XXXX. This is impossible because I was in prison from XXXX XXXX XXXX to XXXX XXXX XXXX. So I would like to file a complaint of identity theft.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

DITECH CHEATS CUSTOMER OUT OF HIS PMI REFUND! 

Ditech Financial LLC received a refund ( {$95.00} excess PMI payment, from the XXXX ) on or about XX/XX/XXXX, after a closing on a sale. Ditech then sat on this money. It finally mailed a company check for the aforementioned amount ( my refund ) to me approximately one year later!

I received the check on XXXX XXXX, XXXX, and deposited it immediately. It was rejected and returned to me, with the reason : CLOSED ACCOUNT In other words, Ditech wrote me a 'hot ' check! 

A letter to Ditechs office of record, ( in XXXX XXXX, MN ) regarding this matter was never responded to. Several calls to their listed contact number ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all XXXX ) have resulted in negative action to make good on this check. Ditechs Director of the Escalation Check Reissue Department, XXXX XXXX, in Ditechs XXXX, FL office, has consistently and deliberately blocked every refund request ( s ) turned in by lower-rung customer service individuals attempting to have the funds reissued and the matter closed.

Given Ditechs history of Chapter XXXX filings, I can see why certain individuals in positions of responsibility choose to cheat every customer at any opportunity. Even though companies like Ditech cant change their stripes, they should certainly be held legally accountable for the deliberate cheating of their past and present customers, with a stern Caveat Emptor warning to future ones.
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2019-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I resubmitted my request for mortgage assistance 37 days prior to the foreclosure date set for XX/XX/2019. I've tried to get help with my mortgage several times since I was XXXX XXXX. I don't want to lose my home to foreclosure. My documents were sent to the servicer in plenty of time to be reviewed. I was told today they would not be reviewed because they did not receive them in time. Select Port Folio allowed my documents not to be processed so they could foreclose on my home.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nevada Credico, Inc. (NV)

I have a collections for {$1100.00} from a collection agency that never sent the collection notice. The original creditor is XXXX XXXX. I have no idea how they arrived at the amount. They can not prove they sent an invoice or collection letter for me to respond to. I believe this is a violation of the FCRA.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (FL)

On XX/XX/2023, I applied for a {$340.00} virtual credit card through Affirm to purchase furniture from overstock.com. The loan payments were broken into {$85.00} payments that Affirm charged to my XXXX XXXX. On the date of the purchase, Affirm charged my XXXX XXXX the first {$85.00} payment. 
The total cost for the XXXX furniture purchase totaled {$330.00}. 
The furniture was mailed to the wrong address, and I never received it. 
On XX/XX/2023, overstock.com issued a full refund of the {$330.00} purchase price. 
On XX/XX/2023, I still saw the initial {$85.00} charge on my XXXX XXXX, and I filed a dispute with XXXX. XXXX temporarily credited my XXXX for the {$85.00} while they investigated. 
On XX/XX/2023, after reviewing my Affirm account, I saw that the initial {$340.00} loan was still active, so I requested a full refund of {$340.00} from Affirm. Affirm issued the full refund the same day for the loan and cancelled the virtual XXXX credit card but failed to refund the first {$85.00} payment they charged to my XXXX XXXX on the date of purchase. 
On XX/XX/2023, I received a notice from XXXX that they considered the disputed charge valid and removed the temporary {$85.00} credit. 
I requested that the dispute be re-opened with XXXX, which it was on XX/XX/2023, and uploaded to the XXXX dispute portal the documents I am attaching below. 
Today, XX/XX/2023, Affirm attempted to charge my XXXX XXXX for an additional {$85.00} for a non-existent loan/credit card. I can not reach a human at Affirm to resolve this issue. Affirm still owes me {$85.00} for the first payment for the merchandise I never received, for which XXXX issued a full credit, and Affirm canceled the loan. 
Now, they are attempting to continue to charge my XXXX XXXX, even after canceling the loan.
Consumer complaint received 2019-10-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (AZ)

This company has hit my credit report trying to get an amount that was paid by myself through wage garnishment. This company has threatened me to take me to court and again garnish my wages. This daily harassment has caused an increase in my anxiety at which I am now taking medications to help me to manage the symptoms of anxiety. This has also hurt my credit by 21 points.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Discover Card has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XXXX XXXX this year. Discover Card double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that Discover Card is submitting to the three credit bureaus XXXX, XXXX, and XXXX. Discover Card issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. Discover Card is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, Discover Card is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XXXX Tax Return. This is a GROSS Negligence to continue to report this information as if it's active  collections, currently past due completely ignoring the action that Discover Card took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. DiscoverCard 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to Discover Card.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

The mortgage processor from Navy Federal Credit Union assigned after online application and upload of requested information withdrew our loan application and hung up the phone during a phone call on XX/XX/2019. The loan officer was unavailable and did not communicate for 5 days. The process was broken with confusing document requests electronic and otherwise. Refused to accept digital signatures for 4586-T forms requiring printing and mailing. Was unprofessional. Damaged our credit by pulling a hard credit pull.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (GA)

In XX/XX/XXXX, I wrote all three ( 3 ) credit bureaus to dispute the amount owed to XXXX XXXX XXXX XXXX, stated I had insurance at the time so the insurance company should have been charged. I also stated I had filed chapter XXXX and the debt may have been written off as a result of that particular filing. 

In XXXX XXXX I received communications from another collection agency upon which I followed up via letter advising I had insurance and provided the insurance information for them to contact my insurance company to address the issue. 

In XX/XX/XXXX I received communication from another collection agency, I contacted them and advised I had insurance and the matter should be addressed accordingly with my insurance company. I contacted XXXX XXXX and provided the information to Commonwealth Financial Systems on XX/XX/XXXX. I followed up numerous times to continuously be delayed. I then followed up the first week in XXXX again to be advised that they researched the matter and I was liable for the debt. On XX/XX/XXXX, I contacted XXXX XXXX whom advised although I had been constantly communicating and disputing this debt with XXXX XXXX and the various collection agencies they hired the actual claim was not submitted until XX/XX/XXXX and based on their lack of submitting the claim within a timely manner I the consumer/insured is not liable for the debt. 

This is completely opposite of what Commonwealth Financial Systems stated, they advised they researched it with my insurance company who advised since it was so old I was responsible for the debt. I have a copy of all the letters and communications sent to all the collection agencies hired on behalf of XXXX XXXX to collect this debt. 

This has been very stressful and in instances caused increase in rates for financing or complete denial based on the debt being on my credit report since XXXX and not being removed. I have been dealing with this issue for almost three ( 3 ) years and there is no end in sight to reprieve.
Consumer complaint received 2019-03-28
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. (GA)

I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.