davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

Spouse and I purchased a home together in XX/XX/XXXX. We made all the payments on time. In XX/XX/XXXX he became ill. We began the modification process due to his loss of work for medical issues. XXXX   XXXX XXXX completely abused us during this process. We sent in every document they requested multiple times. When they would send stuff in the mail, I would fax it to them and over night it to them. I sent everything to them twice. They would ignore our calls, they would assign us to a loan consultant and then they would change it. They would ask for all the documents again, and again. We did this process for 19 months. For 19 months we tried to modify this loan while XXXX  XXXX XXXX was busy dual tracking us. In XX/XX/XXXX XXXX was diagnosed with XXXX  XXXX XXXX. I had to stop working to care for him. In XX/XX/XXXX XXXX XXXX  XXXX told me that they could not communicate with me because the Power of Attorney ( XXXX XXXX ) told them to foreclose on the house because we were no longer interested. XXXX  XXXX XXXX should know that a Power of Attorney can not speak for a surviving spouse. I hired XXXX XXXX XXXX XXXX  XXXX to help me ( They are terrible too ). They promised to resolve this issue for me. {$12000.00} later, they have done nothing for me. My account is now with Carrington mortgage who also continues to abuse me. I had to pay {$20000.00} our of pocket for storm damage because Carrington will not give me the insurance money for an insurance premium that I solely paid for. The issue is here that I am the original owner of this home. I have been there since XX/XX/XXXX. He served in the XXXX and got XXXX. XXXX had an insurance rider that if he died I got the house free and clear. Now XXXX says no because the account was not in good standing when he died. It was not in good standing because they will not modify the loan. They are too busy dual tracking. I had XXXX credit score now I have XXXX. I had {$80000.00} in the bank, now I have {$20000.00}. I have spent everything I have fighting for this home that is mine. These mortgage company 's have abused me when I just watched my husband die of XXXX. I am being threatened with foreclosure when I have a XXXX year old son. So I work my XXXX off everyday for social services and to raise my child and I get this abuse from these banks and this arbitration services. I feel that I am entitled to all house free and clear, especially after all this abuse. I think these companies should be required to return all the money they have stolen from me. I am really suffering and the bank has done all of this to me.
Consumer complaint received 2022-08-28
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. (PA)

In accordance with the Fair Credit Reporting Act, TRANSUNION has violated my rights by publishing Account XXXX # XXXX twice 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 an account without my written instructions
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 my phone, wallet, and keys were stolen. A debit charge of {$3900.00} and a charge of {$1600.00} were able to be made without my authorization, as well as a credit charge of {$880.00} at a XXXX store in XXXX XXXX. 

After filing the appropriate fraud reports with Wells Fargo, the credit charge was returned/re-credited to my account as it was determined to be fraud, but the {$5400.00} debit charge claim was denied as it was determined to not be fraudulent. This is clearly contradictory, as the incidents occurred simultaneously at the same location. Wells Fargo claims that I authorized the charges over the phone, but I did not have my phone as it was stolen. Additionally, it is impossible that the thieves would have known/been able to use my pin number as it is an arbitrary number that only I know and is not recorded anywhere besides my own memory. 

Wells Fargo allowed my money to be stolen from my account without proper authentication, and refuses to reimburse the amount that they allowed to be stolen from me.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

My stimulus checks have went into an account that I do not have access to nor is my name attached to it in any way. The deposits however had my name attached to them and the bank accepted the deposits into the account the I do not have access to. I called the IRS they said unfortunately since the bank accepted the deposits there wasnt anything they could do for me, that I would have to contact the bank. So I contacted the bank and they told me that they couldnt reverse the deposits that I would have to call the IRS so I then called the irs back and they again told me the problem was with the bank they couldnt help me. So after trying to recover my stimulus payments for quite some time now Ive been sent back and fourth between the bank ( Chase bank ) and the IRS and continued to be told there was nothing anyone could do. I am begging you for some help the bank said your offices was my only other option. They ( chase bank ) are helping the account holder commit theft of all 3 stimulus deposits. Please contact me ASAP XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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. (PA)

In accordance with the Fair Credit Reporting act TRANSUNION has violated my rights. 

PUBLISHED ACCOUNT # XXXX XXXX XXXX XXXX  XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2016-06-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IA)

In XXXX XXXX, we experienced a house fire. The insurance company cut a check for {$84000.00} on XXXX XXXX, XXXX for home repairs. Due to the amount of the check, Wells Fargo sent the check to their Property Loss Claims Department in XXXX SC. Wells Fargo lost the first check. We had to go through the process with the insurance company to cancel and reissue a second check. Since then, our family has paid XXXX out of our pocket and borrowed from family members to get work started and to continue work. And if we do n't have our first draw by Friday, we will have another {$3000.00} to pay out of pocket. We have resubmitted paperwork we thought was completed, without any follow up communication it was n't completed until we called back last week to check on the money. Thats when we found out we still had more to complete before they could issue the draw. We have talked to at least half a dozen different reps at the loss department, each XXXX telling us we had more to do to get the process moving up until last week. On Thursday XXXX XXXX, I asked to speak to a supervisor after I was not getting the assistance I needed. I spoke with XXXX XXXX on Thursday and Friday. She gave me her priority fax and direct line, and said the check would be cut on Monday, sent out Tuesday, XXXX XXXX, via Fed XXXX, to arrive on Wednesday. As of today, Wednesday, it had not been sent yet. I have now left XXXX voicemails for XXXX XXXX since yesterday to check on the first draw and get the XXXX tracking number to follow the check to us. She has not returned any of those calls. I can not understand how it takes 3 months to process a first draw of a check due to us after going through a house fire and maintaining XXXX houses, paying for repairs out of our own pocket. This is unacceptable.
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (NM)

In XXXX of 2023, i became unable to work due to an injury. I was able to keep up with all of my payments except for the month of XXXX or XXXX, I received numerous calls everyday despite me explaining that i was not working at the time and unable to pay. I was the coerced into resigning my loan agreement, again, despite the fact i was unable to work. I currently am still unable to pay this debt because I am trying not to lose my housing and vehicle, I am continually receiving phone calls even after discussing my situation with the creditor Mariner Finance. In the past 7 days I have received XXXX phone calls XXXX of them being yesterday XX/XX/2023 and XXXX already today before noon, XX/XX/2023. This harassment is causing undue stress, further XXXX and XXXX and need to cease immediately. 

Thank you
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2021-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I have made an attempt to get my 1098-E for the tax year XXXX on my student loan servicer. I have received an email in XXXX saying this is available but it no longer appears available. I asked customer support for this document and they directed me to make an account on studentaid.gov which explicitly states it can not provide me my 1098-E. This is massively inconvenient as creating an account for studentaid.gov is a multi-day process and I am just wasting my time now to obtain a document I need for my IRS filing.
Consumer complaint received 2023-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.
Consumer complaint received 2022-08-28
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. (AZ)

You continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : XXXX XXXX XXXX XXXX : EMPLOYER XXXX XXXXXXXX XXXX EMPLOYER : XXXX Addresses : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-28
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. (PA)

In accordance with the Fair Credit Reporting act TRANSUNION has violated my rights with the following account information published on my report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-02
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-11
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. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has 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 2023-08-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2022-08-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 an account without my written instructions
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

I have been paying additional principle payments to my mortgage company, NEWRez LLC. 
And noticed that my maturity date published on my account online not reflecting the correct updated maturity date based on my additional principle payments. 
Called new Rez At ( XXXX XXXX XXXX And talked to XXXX how identify herself as a supervisor stated that my maturity date will not change online since I signed a contract for 30 year conversional mortgage. And my additional payments will be going toward my principle. 

The is illegal as the lender should not be able to keep the maturity date unchanged even if I pay additional principle meaning they are just pocketing the additional payments and not changing the amount of interest charged. I understand the interest rate will be the same regardless of my additional payments unless I refinance but what they cant do is charge me for a principle that I have payed. 
Lender is clearly violating my rights and over charging me with additional payments that I am not responsible for.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (FL)

15 U.S.C 1681 section A. States I have right to privacy.

15 U.S.C 1681 Secrion 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-14
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. (NY)

I am writing to dispute fraudulent accounts that are on my account. I am a victim of identity theft. I did not nor was I aware of these fraudulent charges on my credit report. I am asking that these charges please be removed and that I will 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
Consumer complaint received 2020-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MI)

I made my payments on time every month up until my XXXX issues and place of employment got worse .... I was terminated for reduction and it was out of the blue but work was slowing down so I reached out to Wells Fargo about the slowdown and not working and applied for a refinance 4 or 5 times even applied 15 months after I purchased the car with a better credit score then when I bought the car ... .. they approved me for a loan of 25 k or so and my credit score was XXXX so shocked me but then 15 months later my score was XXXX and I applied for the refinance and denied fast .... when I lost my job XX/XX/2019 I applied 3 more times for a refinance that would have took my payment from XXXX to XXXX would have saved my car and my credit by approving this with a better credit score then when I purchased first time ... .. I  missed every payment for 4 or 5 months because I could only afford rent and food I have XXXX boys as well so at the last attempt to apply for a hardship refi I got approval but only if I pay XXXX then I pay XXXX and had one day to pay it!!!! I couldnt pay so they took 3 months to repo my car and Im still waiting for a call back from a lady who works with ceo of company and they sold my car for XXXX and I owed XXXX left so they sent me a bill for almost 6 k ....???? Im beyond furious and cant wait till XXXX is over and my current lawsuit is over with because of work injury that Wells Fargo knee about and still took my car and denied every attempt for refi?? Help
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/15 I transferred {$100.00} into my checking account anticipating a transaction for life insurance on an average day the transfer from my savings account to my checking is normally immediate but Wells Fargo charged me an over draft fee because I have a pending bill pay I want to know how can you charge an overdraft fee on something that is pending I think Wells Fargo is always trying to stick it to the little man