davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WY)

XXXX ) I am writing to express my complaint on WISE for holding my money for a long time. WISE has closed my personal account on XXXX of XXXX and is not returning the money to my personal account till now, XXXX of XXXX. I provided all the required data for refund from my personal account, where at the time of closing were XXXX euros. I would like to receive this money into my personal account in another bank as soon as possible, since I have nothing to pay for my expenses and this amount is very critical for me. 


2 ) MY business account in WISE were closed as well. There was a small amount in my WISE business account, and I do not have another account for the same company name as WISE asked. I do not plan to open a new business account to return the money. can I receive them to my personal account?

3 ) Can those 2 refunds be done separately from each other? Can I firstly get my personal money back as I provided all required info asap, please?
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been making payments to my loan servicing company Select Portfolio Serving during my six-month long forbearance. Most of these payments were in excess of {$1200.00}. I only had to pay {$390.00}. I am very confused and dont understand where exactly did these funds go.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Medical Management, Inc. (DE)

I had an   XXXX   proc edure on  XX/XX/16  a t  XXXX   XXXX   XXXX . Billing to my insurance company and I received several statements with different balances. The initial billing seemed very high for the procedure that was performed so I waited some time to ensure that the insurance coverage had a chance to be paid in full. By early  XXXX , there was no additional payments or activity so I contacted  XXXX   XXXX  hospital billing department directly to work out a payment plan on the over {$600.00} remaining balance as I did not have the money to pay in full. A representative in the billing department suggested that I contact the  XXXX   XXXX , in the financial assistance department to apply for assistance and/or set up a payment plan for the balance. I was not able to reach her and left a voicemail but did not hear back and called again  XXXX  weeks later and left another voicemail but never received a return call. So, on  XXXX   XXXX , I contacted the billing department again and spoke with  XXXX  who set up a payment plan for me and took my first payment over the phone. However, the following day,  XXXX  from billing called me to inform me that my account would go into collection anyway.
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

I recently received an escrow analysis from my mortgage holder. They claim that my escrow account has a shortage of {$1200.00} but according to my calculations, I should have a positive balance of {$780.00}. 

I have attached 5 financial documents to this complaint. Please reach out to me should more information be needed. 

According to the mortgage holder 's own records, I had a positive balance of {$1900.00} on XX/XX/XXXX. Since that time I have made an additional {$2400.00} in escrow payments, making the total of XXXX payments and the XXXX balance {$440000.00}. 

The expenses for this account total {$3600.00} for XXXX according to the lender 's own documents. My total of payments for XXXX and the ending balance on the account at the end of XXXX ( {$2400.00} + {$1900.00} ) should total {$4400.00}. If you subtract the {$3600.00} expenses for XXXX, that should leave a POSITIVE balance of {$780.00}. 

This lender has paid my property taxes LATE on at least two occasions which caused fees of several XXXX dollars. I should not be responsible for these fees. Still, such fees would not account for such a large discrepancy in records. Please help!!
Consumer complaint received 2017-08-24
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. (GA)

I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with XXXX and public records, I requested for the public record to be removed and that was 49 days ago!
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cobalt Mortgage (FL)

Companies have already reported to IRS that Taxpayer received a gain from previous debt written off. The companies such as XXXX # XXXX {$10000.00} Cobalt XXXX XXXX # XXXX {$17000.00} XXXX # XXXX {$1800.00} have been reporting unpaid balance since XXXX after Consumer notified each Company by letter of Insolvency and XXXX XXXX XXXX would be handling all payments based on Consumer hiring XXXX to handle all debts directly with Creditors. 
Customer sent letters several times to each of these Creditors explaining the circumstances and that there's no longer any valid contract and the debt amounts are not correct and some turned over to Third Party Debt Collection Agency ; even after Consumer notified each Creditor that due to enrollment into Debt Collection Program ; each decided to keep on reporting negative information and showing an unpaid balance ; even after writing the debt off and reporting it as a gain for the Consumer on his 1040! 
These Creditors were written in XXXX along with sending each Credit Bureau a letter explaining that the debts were not mine and were no longer owed, balances incorrect, sold to Third Parties Debt Collectors ; contract not valid or with current signature and date! 
The continued reporting of these so called debts must be deleted from all my Credit Reports due to the fact each Creditor wrote the debt off! Also it has been over 4 years since each Creditor was notified to remove and delete the negative statements and unpaid amounts! Since Customer did notify them in XX/XX/XXXX of being enrolled with XXXX XXXX XXXX why are these Creditors still allowed to report negative information when Creditor provided reasonable documentation and payment plan from XXXX back in XXXX? 
These Creditors must remove and delete all information regarding unpaid balance because Consumer does not owe any balance nor is making any monthly payments! 
Please delete these accounts because they serve no purpose but reporting negative information which is not accurate! 
This information regarding a list of liabilities was on application for refinance of mortgage XX/XX/XXXX with XXXX XXXX I've already sent documents in the past regarding same subject matter with negative results because the Creditors are still being allowed to report inaccurate information which must be deleted entirely from all my Credit Reports!
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,   XXXX  . I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   report
Consumer complaint received 2022-03-26
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. (MO)

In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 

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 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 instruction.
Consumer complaint received 2019-08-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

There is a foreclosure sale on the calendar for tomorrow, as I was just notified that the sale is still on by the Rep at Well Fargo. 

Here are the facts : 1 ) Listed my house For Sale on XX/XX/2019 with XXXX XXXX ; 2 ) I submitted a Mortgage Assistance Application for a short sale on XX/XX/2019 by the Realtor, XXXX XXXX ; 3 ) In early XXXX, I was told that a foreclosure sale date had just been obtained by counsel but was advised that it would be canceled due to Dual Tracking as we were actively working with Loss Mitigation at Wells Fargo for the short sale ; 4 ) Apparently, Wells Fargo failed to acknowledge the Dual Tracking situation and kept proceeding with the foreclosure sale ; 5 )  XXXX XXXX was negotiating with XXXX XXXX from Wells Fargo about the short sale and had requested for a counter offer 2 weeks ago and while I was reviewing the correspondence sent by Wells Fargo for a counter-offer, I received a USPS forwarded letter that was originally sent to my former DC apartment that the foreclosure sale was still on the calendar for XX/XX/2019 ; 6 ) At this point, I contacted both Wells Fargo 's Loss Mit and Foreclosure Attorney and was advised that the sale was active - even though they confirmed all the items above. 

I was under the impression that Wells Fargo would comply with these rules and regulations set forth by the CFPB and that consumers would be protected by banks & lenders pushing to improperly foreclosure when these simple steps have been followed. This sale needs to be canceled for Dual Tracking. 

Please contact me for additional questions or comments.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you regarding the late payment ( XXXX ) that appear on my credit report for the account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I noticed that there are late payment entries for XX/XX/XXXX and XX/XX/XXXX. I am writing to request the removal of these late payments from my credit history.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo states an additional checking and savings account were opened under my name with my correct SS # but the phone and drivers license information was incorrect. It was caught early and the account has been closed. Wondering why they would open an account with mismatched information. I also wonder if this is similar to previous behavior of opening up false accounts.
Consumer complaint received 2019-08-05
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: MIDCOUNTRY FINANCIAL CORP (GA)

The company won a garnishment against me in a judgment on XXXX XXXX 2019. 
The garnishment did not commence until XX/XX/2019. 
The garnishment was paid in full on XX/XX/2019. 
The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. 

I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. 

This company held me XXXX for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. 

The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. 

The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false information.
Consumer complaint received 2023-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I received a copy of my credit report, and I am finding debt that I have no knowledge of and I would like the creditor to remove from my credit report as it is making it hard for me to purchase a new home. The following are listed, and I am asking to be removed immediately : 1. XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX 2. XXXX XXXX XXXX CO {$310.00} XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX XXXX {$470.00} XX/XX/XXXX 4. XXXX  {$250.00} XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
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. (MO)

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (NY)

They are liars in store and over the phone they lied to me I have a store card and wanted an upgrade to XXXX  I was told I can only do so in store and I would have to reapply I step I. Store for 1 hour was denied a XXXX  and offered the same store version what a waste of time its ashamed how they treat me and refuse to give a reason why I dont qualify I want XXXX
Consumer complaint received 2023-05-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I sent a request to reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. I need you to correct the accounts listed below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Good Afternoon, I've disputed incorrect information on my Credit report from Experian, regarding the repossession of a vehicle by XXXX XXXX XXXX. The Vehicle has been paid in full and I have the Title. I also noticed they listed that I have a Real Estate Mortgage as well as 3 installment loans. This information is incorrect. I have 1 Home Improvement loan and one Vehicle loan from XXXX XXXX XXXX XXXX. Please help me to have these incorrect items removed.
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (WA)

O n   XXXX   XXXX  , 2017 , a s usual, I paid off  my one-year-old    XXXX   XXXX   XXXX   Account, ( owned by Comenity Bank in  XXXX , Ohi o ) in  the amount of {$63.00}. The payment was sent through the company 's Website late in the evening on  XXXX   XXXX , the due date. I believed everything was paid off and had no balance. On the next month 's statement, however, the bank added a {$27.00} late charge. I have never paid the account late. I inquired about the reason for the late charge and I was told that the payment I made did not reach the bank by the required payment hour of  XXXX   XXXX  on the due date. I was appalled by this and went through a string of " supervisors '' to demand they retract the late charge. When it was refused, I demanded they close my account and I also told them I would not pay this charge.   I have made no additional purchases on this account. In my mind, the account is closed. However, the bank now adds another late charge EACH MONTH, and now is increasing the late charge to this CLOSED ACCOUNT. I am  XXXX   XXXX   XXXX  and live on Social Security. I ca n not imagine the audacity of this so-called bank to make this unjust charge. Please send them a messag e that this can not be justified.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Experian is reporting an inquiry on my credit report that I never authorized. On XX/XX/2022 I received an inquiry notice. I didn't give my authorization for any transaction from the company " XXXX XXXX '' in 2022. The company somehow without my permission, offer, or authorization submitted my social security number and an inquiry showed up on my report. This is a violation of 18 USC 1028A. I called XXXX XXXX and the manager admitted to using my information illegally to obtain information. I provided my name, phone number and account number that was I was asking about. I provided three pieces of information so that I wouldn't have to supply my social security number, yet it was used against my wishes. An inquiry is a receipt of a transaction, one which I didn't authorize.
Consumer complaint received 2019-08-05
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. (SC)

I've been a victim of identity theft. My information was expose in both the Equifax breach in XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. Each time I've called I was told to send letters, which I did, but I'd call back and every rep could not locate my submissions properly since neither call center was located in the United States. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AZ)

I have been trying to pay off my Barclay card. The company hasn't been following my instructions in regards to using the appropriate account for withdraw of payment. Also the company has started become aggressive with trying to increase my monthly minimum payments without proper notice. Now I am showing that I am behind on my payments. Please assist me in trying to get this resolve.
Consumer complaint received 2019-06-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AZ)

Titlemax loan originated on XX/XX/2018 = XXXX payments started XXXX 2018-present = XXXX balance remaining = XXXX I make 400-500 $ payments every 30 days and not one cent has gone to principle I have discussed with the company on several occasions and was told that I signed the documents, that my vehicle will be repossessed if payments default, that this is high risk/interest loan company. 

I tried to get another company to refinance at a lower rate and was told that Titlemax over loaned me on my car, that my car wasnt even worth what they gave me and that they could not help me. 

Please help, I understand companies are in business to make money but this is excessive ... I have no means of retaining an attorney. I have looked high and low for community organizations and non profits for assistance in resolution. Im not looking for " free '' money. Im looking for " fair '' resolution. This is like 300 % percent loan ...
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Over the course of the la st three months, I have made additional monthly payments to my student loan online in order to pay down specific loans ( ones with the lowest balance, but highest interest rate ) that I am targeting, but the additional payments are not being applied correctly and end up paying off more interest than the principal balance. I have made over 10 calls and th eir representatives can not give me a straight answer on why this keeps occurring. They respond that they will submit a request to find out why this is occurring. After several months of my student loan payment allocation decreasing the amount I pay towards the monthly interest,  XXXX  saw an increase of {$300.00} towards interest payments. I want to understand how this is possible being that I also make additional payments to decrease the overall balance of the loan thereby reducing the monthly interest that is accrued. Something is definitely incorrect about how my payments are being allocated.
Consumer complaint received 2017-06-07
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. (FL)

THERE ARE  XXXX  ACCOUNTS  FROM THE SAME FINANCIAL INSTITUTE THAT ARE 10 AND 11 YEARS OLD THEY NEED TO BE REMOVERED NOT JUST SAY CLOSED THERE IS STILL DERAGATO RY REMARKS ON THERE INFORMATION ABOUT ME