davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received continued collection phone calls from DRA ( portfolio recovery ) and advised them I have no debt with them. They advised me they are collecting on behalf of an old debt in XXXX from XXXX. That debt was included in my bankruptcy and was discharged on XX/XX/XXXX. I had informed them and to stop. In spite of their system that shows my account was in BK, I continue to get phone calls and messages to collect this debt which is a violation of my bankruptcy discharge
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (MT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, my check from XXXX # XXXX was written to pay our XXXX XXXX XXXX XXXX account for {$3000.00}. This check we believe was fraudulently cashed at Wells Fargo bank. 

On XX/XX/XXXX a second check ( for {$4000.00} ) was written for my husbands XXXXXXXX XXXX XXXX XXXXXXXX # XXXX. This check was also then cashed at Wells Fargo Bank. 

When we were subsequently notified by XXXX XXXX XXXXXXXX the both of our Visa statements were due, I then verified my checking account and noticed the checks had been cashed and endorsed on the back, but they weren't deducted from our XXXX XXXX XXXXXXXX XXXX accounts. 

I went to our local XXXX branch on XX/XX/XXXX and spoke with XXXX XXXX and Branch Manager XXXX XXXX. I was told that the checks were unaltered, but cashed at a Wells Fargo Bank instead of going to the correct bank XXXX XXXX XXXX XXXX. ) I was told to fill out a form the Declaration of Unauthorized Endorsement or Altered Item and take it to XXXX XXXX XXXX to confirm that I had NOT received a form of payment. I have documentation and the assistant manager XXXX XXXX signed. XXXX XXXX XXXX the branch manager of XXXX verbally confirmed I would receive my funds by 30 days, after an internal investigation. I waited 45 days and called claims 3 times and was told it could take up to 90 days for a resolution. Approximately XX/XX/XXXX, my husband ( XXXX XXXX XXXX and myself went back to speak to our branch manager XXXX XXXX. She remembered our case # XXXX and called the claims department once again on our behalf. She then informed us that it was XXXX 's policy now that they were not liable, and we must get our money from Wells Fargo. to We told her this was unacceptable and she then said she send this to another department within XXXX to research the discrepancy. The specialist by the name of XXXX would be handling our case. I tried contacting XXXX twice and finally she returned my call to tell me the case was still active, but Wells Fargo has not responded to XXXX 's inquires. i Today, we again contacted Wells Fargo fraud department and informed them our suspicion that they have a teller who is cashing checks meant for other banks. I was informed, since we don't have an account at Wells Fargo, they couldn't help us. 

XXXX has told us that they tried several times to contact Wells Fargo and there hasn't been any response. 

Our contention is that Wells Fargo fraudulently cashed our XXXX checks totaling {$7000.00}, and neither Wells Fargo or XXXX will help resolve this fraud. Wells Fargo cashed the check that clearly was falsely endorsed on the back, and unaltered on the front. XXXX released money that was not appropriate or confirmed valid. 

We feel that Wellsfargo is assisting, pursuing, or investigating this obvious fraudulent check cashing at their bank, and helping us recover our {$7000.00}.
Consumer complaint received 2018-07-21
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: AMERICAN EXPRESS COMPANY (MI)

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account  NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXXXX  XXXX
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NY)

Re : Loan Payoff - Estate of XXXX and XXXX XXXX XXXX XXXX # XXXX SSN ending in XXXX To Whom it May Concern : As requested, we received a payoff letter enclosed with astounding fees of a foreclosure proceeding. Based on our court hearing, the motion for XXXX and XXXX was ordered, adjourned, and decreed that the file be declared inactive rendering file inactive. The judge, in our favor granted to suspend any actions of foreclosure proceeding. Unknowingly of fees not mentioned. To include, our title does not hold any liens of balances with the exception of a mortgage amount of {>= $1,000,000} We have contacted by phone, both XXXX and XXXX and LoanCare , LLC for dignified actions, but was to only be diverted to one another to resolve. This letter is to kindly plead a request of the immediate cancellation of the fees in the payoff of the mortgage effective XX/XX/2022. Our good faith has provided upkept payments to LoanCare , LLC to the home for preservation and maintenance. In receipt, please provide an updated payoff letter for us to file with the Estate. 

Should you need to contact us, please do not hesitate to call at XXXX. We thank you in advance for your expeditious actions, and consideration in this matter. 

Sincerely, Heirs to the Estate of XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

Dir FDIC : I am writing to report a bank transfer case. 
I initiated a transfer {$20000.00} from XXXX XXXX ( routing number : XXXX, account number :?, phone : XXXX ), a division of Texas XXXXXXXX XXXX to XXXX XXXX XXXX bank ( routing number : XXXX, account number :?, XXXX ), a New York Community bank division, in XXXX XXXX XXXX XXXX XXXX  website, on XX/XX/2022. XXXX business days passed, I can not see the money in the both banks websites. I have contacted the both banks many times since XX/XX/2022. XX/XX/2022, I contacted the both banks again. The XXXX XXXX  said they sent the money on XX/XX/2022, XXXXXXXX XXXX XXXXXXXX bank should have received the transferred money ; howeverXXXX XXXX XXXX XXXX XXXX said they never received the transferred money today. The both banks told me to contact the other bank. Please investigate this case immediately. 
Thanks!
Consumer complaint received 2022-03-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (PA)

In the spring of XXXX, we put our mortgage on forbearance due to a COVID related hardship. Every three months, SunTrust told us that we could remain on the forbearance, which we did. In the fall of XXXX, we wanted to remove the forbearance and proceed with whatever method the lender needed to use to accomplish this. At this point, we were told to wait until we received documentation in the mail to sign and have notarized, and to not pay any amount until these documents were received. This took over 3 months. Once everything was signed and fully notarized, it was sent via regular mail and was received by SunTrust ( now Truist ), though we never received the counter signed documentation from them after multiple requests. 

Now, after we have begun making timely payments for the last three consecutive months, as it was required from our new mortgage lender in order to refinance our mortgage elsewhere. Last week, the website was down due to another merger, and customer documents, statements, etc. wouldn't be available until XX/XX/XXXX. We were able to retrieve our statements, but not payoff amounts, and were directed to call the customer contact number. We can only get our payoff amount by calling Truist, typically we could have requested this through the website, but we can not get any clarity and spent hours of our day today attempting to get a person on the phone. We call, we wait for hours, and get hung up on. We are supposed to close next week on our refinance and Truist is making this task utterly impossible for us. We have our rate locked in, have signed closing disclosure documents, and paid/completed our appraisal with our potential new lender. 

Ultimately, we are trying to figure out if our subordinate mortgage paperwork ( which was signed off on ) shows whether HUD is the noteholder or if Truist is the noteholder. Based on the paperwork, we are led to believe that it is held by HUD, which would take a long time to get a payoff from, but we have received no answers or clarity from Truist if this is the case or not. This is typically a simple, standard operating procedure, and it is going to create much more hardship on us should we have to continue to pay this high interest FHA mortgage when we clearly qualify for a conventional mortgage with our other lender. 

Our new lender needs documentation, or at least someone to communicate back to tell us what is going on. The only other option is for the title company to dig further to see who holds the Note, which quite frankly is not their job to do and will likely cost us a lot more money. Public records do not show any recording of the subordinate mortgage, so for all we know, the agreement we signed is null and void and Truist is basically refusing through inaction that their mortgage be refinanced with another lender.
Consumer complaint received 2019-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CO)

The company involved conversent is a debt collection agency when you tell them you have the wrong person No Debt Collector is wanting me I pay my bills.Thats when they get mad call me on my cell phone all day and landline they will not stop I wish to file harassment charges against them. XXXX one of there main phones they also use XXXX XXXX XXXX here is just a few more # s they use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2020-06-06
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: Account Services Collections, Inc (TX)

Account Services entered into a contract with me agreeing to delete negative tradelines from all credit reports upon paying a past due balance of {$52.00}. I made the payment on XX/XX/2020. I received a letter via email on XX/XX/2020, confirming a deletion request was made to the credit bureaus. 

After 8 weeks, the negative tradeline had not been removed from my credit reports as promised. The negative tradelines still appear on my XXXX  and XXXX  reports until this day. 

The letter from Account Services states it would be removed between 4-6 weeks. It has now been more like 8 weeks. I have contacted both bureaus and have been informed that they only received an update to {$0.00} the balance, not delete the tradeline.

I have attempted to contact the Account Services via email to have this issue resolved and they have been unresponsive.
Consumer complaint received 2019-04-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (OK)

Santander Consumer USA loan account was opened prior to date they are reporting XX/XX/XXXX. The vehicle was an voluntary reposession. I tried dispute the loan after talking to them they then updated the account in order to keep in on my credit file for another year. Now showing XX/XX/XXXX. Originally it was scheduled to be removed XXXX of XXXX this month this year. My wife and I are disable to to an automobile accident in which an semi truck ran us over on XXXX XXXX XXXX of XXXX. Due to legal obligations having to sue trucking company we were no longer able to pay car payments. I called and asked for an voluntary reposession of the vehicle. In it has been I've 7 years and Santander is still reporting on my credit file which is influencing my credit file. I have had 7 loans since this occasion and all are paid in full at this time. I am desperately needing Santanders negative credit removed from my file. My wife and are are still disabled on XXXX due to the motor vehicle accident and we ask them to co-op with us to remove this item however they updated it this year and changed origin start date on the loan so it would show for an additional year. We are struggling to maintain our utilities and raising our granddaughter at this time. I ask that they please remove this item from my credit file.
Consumer complaint received 2022-11-30
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

on XX/XX/17, we signed papers with XXXX to assist us in getting through a " class action '' with XXXX XXXX XXXX. a rep contacted us, due to our mortgage being with XXXX and said we could hire them to be a part of the action and that we could get the over payments we gave to XXXX applied to our loan and lower our payments. We were given an option to pay off our home or lower the payments, we opted to pay it off. We were given information on a loan company that could help us get a new loan with lower payments. Around the XX/XX/XXXX we were contacted by the loan company and title company stating that the law firm filed fraudulent documents on our title and they couldn't do the new loan. it has been over a year, they have {$4500.00} of our for representation and now we are facing foreclosure and our mortgage company ( Carrington now ), wont help us in a modification.
Consumer complaint received 2019-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA honored 3 fraudulent checks totaling {$6500.00} on XX/XX/18 for {$2000.00}, XX/XX/18 for {$2200.00}, and XX/XX/18 for {$2300.00}. We immediately froze the account when we noticed the fraud. BofA investigated and then denied the claim because they said it was " pin verified ''. I re-opened the claim with supporting documents proving my son was in school when transactions took place and included bank signature card that does not match my son 's signature as well as asking bank to check their cameras as fake checks were time stamped when fraud took place, another way of proving that my son did not make these transactions. My son had {$88.00} in his acct. ( he is given {$100.00} weekly for meals and expenses ), whoever committed the fraud put money in his account to make it look like he had {$2000.00} and then went to 3 BOFA  locations inside and cashed checks with teller. BofA also transferred {$4500.00} from another savings account of mine into frozen account because of overdraw, BUT, the overdraw is due to the investigation that is pending. They later returned the money into proper account. I have been waiting since XXXX of 2018 for a decision. I am a single mother, raising a boy in college with no co-parent. This has been a nightmare. BOFA has not been helpful at all. Can you please help.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2018-07-21
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. (MI)

Yes I checked my credit score and one minute it's XXXX then I checked it again it's XXXX I don't know why I can't get a aquired report from these creditor 's