davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I bought laptop from XXXX XXXX charged my credit card {$1200.00} for purchase then XXXX put another hold on credit with same amount overdraft my card over limit. I called Bank of America who issued my visa credit card and they told me its processing and we can not make claim on it. I contacted XXXX they said its going to clear once item shipped which never happened although purchase received. I filed fraud complaint against XXXX. And now I m filling against Bank of America who should have recognised the double charge and fix it but they want to charge me fees so they overdrafted my credit card
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MA)

Quicken Loans failed to notify us of a deficiency in our escrow account for over 7 months. Rather, they notify us by mail that our mortgage is going up hundreds of dollars -- their excuse? " We have 2 million loans and don't always catch an unorthodox tax spike. '' Had they notified us, we would be able to fix the discrepancy with the real estate tax but because they waited so long, the consumer suffers. Being a big company is no excuse for abiding by RESPA, nor is it an excuse to engage in predatory lending behaviors and unfair business practices.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My checking account with Wells Fargo was charged 3 overdrafts fees of {$35.00} each on XX/XX/2019. My account was overdraft less than {$20.00} after doing a XXXX transfer for my rent. A check that was supposed to be deposited XX/XX/XXXX was not credited in time. I came to Wells Fargo branch XXXX XXXX and XXXX and had a long conversation with a banker about how unfair was to charge this and that I didn't know the account was as low. The charges were two {$6.00} transactions from XXXX that were pending from the app. 
Banker asked for authorization to credit the overdraft fees and the answer was negative. As I came back to the branch to discuss about it and explain how I don't even have enough resources now as to loose {$100.00}, XXXX XXXX, assistant manager still said no to credit this fees. I've already asked in the past to never allow any charge when my account is XXXX because I don't ever want to pay this fees. 
The bank explains that their system doesn't allow them to block debits that are from apps or direct debits. So I still get charged with this very expensive fee. I also felt poorly treated at the branch by this assistant manager, XXXX XXXX, feeling bullied and like she enjoyed to use the power of saying no to me.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Nemours of time I have been report this Mortgages thru this portal, again one more time i have to do it since they still not respond the letters that send XXXX. XXXX, this company and FTC have been attached to my email to My loan Care LLC, please see attached docs. 
you will be found all the problem in detail that this company continued to do, breach of contract, fraud, and they refused to accept payments of the forbearance. 
I request immediate attention in this matter since they continued sending letters mentioned that they will be fix the error and i will be notified, but is not true. I had reviewed certain acts and practices of LoanCare , LLC and they continue in misrepresentation and fraud.
Consumer complaint received 2015-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (IL)

I recently payed off XXXX my loans with Sallie Mae. I went online to access my account. I selected the loan I wanted to pay off and payed the loan off completely. I received a receipt as well as information showing my account was at a XXXX balance. A few days later my account shows that I have an outstanding balance. Upon calling in I was asked whether or not I payed off my account online or over the phone. The agent informed me that Sallie Mae has no way of displaying the full payoff amount for my loan unless I call in. When I asked her why online would display something different than the actual payoff amount she stated that the system does not allow them to show the payoff amount because that I accrue interest daily for my loans. It does n't make sense for me to pay daily for interest when I have a set interest rate that I am suppose to be paying monthly for interest. This was something I was not aware of. When I asked her how much interest daily am I being charged on my loans her answer was anywhere from {$1.00} to {$2.00} a day on top of the amount owed. How is anyone ever suppose to pay off their loans accruing interest to that magnitude. Whenever I have payed a balance off with any financial institution the amount on the statement was the payoff amount. As long as this amount was paid by the due date no other money was owed. This is not fair and is ripping individuals like myself off. That means even when I pay the statement off I will always be charged for interest for however many days has passed. There is not a day where I am not accruing interest.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (PA)

I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT AND IT IS PREVENTING ME FROM RECEIVING CREDIT I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (CA)

in XXXX i purchased a used car from XXXX XXXX it was financed through Santander. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Around the time of XXXX we found out the our Loan was a charge off. Closed on XX/XX/XXXX with a balance of {$2700.00} I am not really understanding, because there is a Loan Amount on our CREDIT
Consumer complaint received 2021-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

{$2000.00} Payment was made XX/XX/XXXX for my XXXX payment but not applied to my account. I received a statement that said no payment was made. I have the cancelled check showing it was received XX/XX/XXXX. The check was faxed to the number PNC provided for proof but no response. I made another {$2000.00} payment XX/XX/XXXX to make sure my XXXX payment would be there early to avoid any more issues. I got my XXXX statement and it showed 3 payments ( {$2000.00} on XX/XX/XXXX applied to other, {$2500.00} was broke into 2 payments {$1900.00} applied to interest and {$71.00} applied to another interest. ) and a late charge. I called PNC to get this corrected and I get the run around. One customer service member actually lied to me and said the account was good, no late charge, next payment was due XX/XX/XXXX. I asked for proof and was instantly transferred to another department. Once I got back to the correct department, I was told to call the collections department as my account was past due and they would let me know what needed to be paid. I asked why the payments got applied the wrong way and why they cant fix it. I was told I have to talk with a supervisor but they would not transfer me to a supervisor
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

My credit card company issued a refund in error. I didn't know about it. They issued a statement requesting I repay it but I did not get the statement. They started charging me late fees and interest on a refund that they issued in error.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (GA)

I filed a dispute with XXXX XXXX and XXXX  in regards to the incorrect items on my credit report. It has been well over 30 days and I have not recieved any investigation results. This is the second time I have had this issue with XXXX.
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

In XX/XX/XXXX Portfolio Recovery and Associates ( PRA ) obtained my new cell phone number from my ( XXXX ) credit report. Shortly after PRA obtained my new mobile telephone number, PRA added the cellphone number to the company 's autodialing system and repeatedly robodialed my cellphone for months without proper consent. 

I was harassed by Portfolio Recovery and Associates and I did not consent to receive robocalls on my cellular phone. I did not consent to be contacted on my telephone, and my wireless telephone number was not provided at the time of the transaction that resulted in the debt at issue. 

On XX/XX/XXXX, I requested that PRA provide proof that I consented to receive robocalls on my cellphone. I disputed PRAs right to contact me on my cellular phone and made several requests for PRA to reveal the telephone number originally provided by the creditor. 

I am aware that Portfolio Recovery and Associates violated the Telephone Consumer Protection Act ( TCPA ), and I hope the CFPB will look into the matter. I have asked PRA to provide proof of consent and PRA has ignored both of my certified letters. I have provided PRA with phone records and proof of their credit inquiry, yet PRA has chosen to ignore my claim.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Professional Debt Mediation, Inc. (GA)

I filed a dispute with XXXX XXXX and XXXX  in regards to the incorrect items on my credit report. It has been well over 30 days and I have not recieved any investigation results. This is the second time I have had this issue with XXXX.
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

this problem began in XX/XX/XXXX, my wife took out a mortgage with XXXX XXXX XXXX  with an interest rate of 10.5 percent and ceiling of 17.5 percent and they quickly sold the mortgage to XXXX XXXX and that is when the problem began. I hired an attorney from XXXX XXXX, XXXX XXXX, and when it came to going to court XXXX XXXX sold the loan the day before the court date to XXXX. to make a long story short the day before XXXX was to show up for court they sold the loan to XXXX XXXX XXXX. and it started all over again and XXXX XXXX XXXX sold the loan to Select Portfolio Service ( SPS ) the day before the court date. SPS has had the loan over 2 years and in trying to modify the loan to get the interest rate in line I have never talked to the same person twice. we filled out all the papers for the modification and before they could get back to us certain parts were outdated and had to be redone. Eventually they accepted the modification after two years of fighting to get it done but we have yet to receive anything in writing pertaining to the modification and have not done anything in a timely manner and the people we spoke to at SPS ( who was never the same person ) never noted the file and we had to repeat everything again. they say they have everything needed for the modification and a decision will be made in 30 days. We hired XXXX XXXX XXXX XXXX out of California who stated they looked at the files and feel it is predatory lending and forclosure fraud by all of these companies. they doubt if any of these companies ever recorded the change in going from one bank to the next.We have been in this house since XX/XX/XXXX
Consumer complaint received 2018-05-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (WY)

XXXX XXXX XXXX, XXXX, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX. 
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also. 
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more. 
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on XXXX XXXX XXXX, XXXX but maybe on Wells Fargo. 
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XX/XX/XXXX. These loans were through my local bank and then Wells Fargo bought the bank and took it over on theXX/XX/XXXX. I had moved my accounts from Wells Fargo before this date. 
When I spoke with XXXX at my states office over banking regulations, She said that they have had Wells Fargo do this in another county in our state.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX Account XXXX : XXXX
Consumer complaint received 2019-07-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (IN)

On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called Performant Recovery Corp. to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was unauthorized.
Consumer complaint received 2019-07-17
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: Real Time Group, Inc. (NC)

Unfortinately due to divorce jobless XXXX but now back on feet. i became behind on loan with XXXX XXXX XXXX for {$35000.00} which i have had since XXXX. 15 years and nowhere near able to pay off a predatory loan. So during the time i was getting back on my feet i was notified that my loan had been transfered to collections to Real time resolutions. i started contacting them. The big problem has been a continuious issue with credit reporting between XXXX  and RTR due to they are linked companies. I have kept a good payment record with RTR but the problem was XXXX would be reporting wrong if i disputed my credit accounts 2017-present. XXXX is a closed account but when it was disputed all the sudden the account had a {$35000.00} balance on a closed account. this was dropping my credit score down to 500 's .After several months of fighting between XXXX and credit bureaus i got that issue fixed. for the moment! 
Now to my big issue. XXXX is reporting late payments to date on their closed account with me. This was transfered to XXXX in XX/XX/XXXX. how is this possible?? XXXX credit report shows on time payments. i have fought this abt from beginning of XXXX. i was calling back and forth between XXXX and credit bureau 's and three way. no progress in fixing situation. Even with faxed letter from XXXX  with filed dispute and XXXX own investigation with XXXX  investigation without change! six months of dropping credit scores. This kept me from refinacing several times last time with XXXX XXXX. i find keeping credit scores down is purposefully done to keep the preditory loan inplace to make nothing but interest and loan that can never be paid off.
Consumer complaint received 2023-03-29
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. (NC)

XXXX XXXXr {$830.00} I have tried resolve this issue several times no results they cant prove the account is associate with with these is stopping me from applying for a home and car according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character