davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo repeatedly denied my attempts and finally foreclosed on our house and we lost the home back in 2013. I was a month behind because of a sickness and Wells Fargo refused to take my payments after my workers comp was approved because I couldnt pay my month I was behind and my current month. After months of telling me they would work with us, they foreclosed on us
Consumer complaint received 2020-09-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (FL)

I submitted request for a loan from upstart for the amount of {$7000.00} I was pre approve based on a soft pull credit report I was requested to provided documents in which I did and everything was successfully verified I was instructed to remove freeze on XXXX credit report which it was preventing them from accessing a hard pull in which that was completed successful. I received a letter of denial stated information couldnt be verify I spoke to supervisor and I was told they couldnt access credit report that information they stated to me was false I feel I was discriminated against for loan and I want answers
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally file a complaint against TransUnion regarding their failure to address the inaccuracies on my credit report, despite my documented attempts to rectify the situation. 

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. These inaccuracies have had adverse effects on my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/year>, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 


Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated time frame. 

I have taken considerable care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

Enclosed with this complaint is a copy of the dispute letter sent to TransUnion and XXXX response.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters is reporting a collection to my credit report at all 3 credit bureaus. 
I have no idea what this debt is and I'm positive it doesn't belong to me. 
I wrote National Credit Adjusters demanding proof, and they sent copies of documents, but none had my signature or any proof that I applied for this loan. They had no proof that I ever made any payment on this loan.
Consumer complaint received 2018-07-13
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. (CA)

Equifax has failed to handle my credit file in a respectable proper manner. Equifax has assigned my file to a representative who doesn't return calls or service my file. I've left several messages and have yet to get one single returned call. On top of the mishandling of my file Equifax has failed to address the issues relating to fraudulent accounts listed in my credit report. I have provided Equifax with Police Reports and Fraud affidavits to help address the fraud accounts but has failed on deaf ears. Equifax doesn't do a thorough investigation to prove the validity of my claims nor does it make the furnisher provide sufficient proof especially relating to the ID Theft. If they fail to address my claims, I will have no choice but to seek relief from Equifax in Federal Court and sue for damages due to the amount of damage their inaccurate reporting is causing me and my family. Equifax has failed to remove the following fraudulent information from my file : 1. XXXX XXXX XXXX XXXX 2. XXXX   Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX , XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WI)

I applied for mortgage services with Wells Fargo bank. I worked on my credit score to bring it to the standard or a FHA loan. I submitted my application with all of my backup documentation and was told that my preliminary score qualified mean or conventional mortgage, but not an FHA loan. I submitted my bank statements and paperwork required to proceed with my loan. However my loan was then declined stating that my credit score did not meet qualifications. When I submitted my application initially my credit score was XXXX XXXX and XXXX respectively. However when they ran my credit the second time about a month later the scores had dropped due to the inquiries made when the bank pulled my credit for mortgage. I was told that my scores were too low. I've been submitted disputes with the credit reporting bureaus to raise my scores and get everything corrected. Although the disputes are still a work in progress my scores still qualified me for a mortgage. Then I was told that my scores weren't the problem it was lack of finances in the bank. At the time I had over {$10000.00} in Wells Fargo so I don't understand what they were talking about. I feel that Wells Fargo is using discriminatory practices because I am a single XXXX female and refusing to follow through with a qualified candidate for financing for a home.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

There are a number of traffic court violations listed on my credit report incorrectly. The few traffic court cases I've had have all been resolved by paying fines and never resulted in any criminal charges for speeding. Why are these still listed in my credit report? The fines have been paid and the traffic violations should be off my record in each credit report? They happened years ago. 

The only loan open right now for me is a XXXX XXXX that I've refinanced. the approximately {$10000.00} I have left when I refinanced is only a fraction of the over {$80000.00} that I initially started paying off over ten years ago when I graduated from college and began working full time. Therefore it is incorrect for my credit score to say that I have only paid off 15 % of my initial balance. I have paid off over 80 %.
Consumer complaint received 2018-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KY)

In XX/XX/XXXX I was visiting relatives in South Carolina. During that time I bought a new Nissan at a local dealership and financed it through Nissan Motor Acceptance Corporation ( NMAC ). After returning to my home state of Kentucky I paid off the loan on XX/XX/XXXX. In order to remove a vehicle lien, Kentucky requires Form XXXX to be completed by the lender and returned to the local county clerks office. NMAC refuses to do this. Several phone calls with NMAC has not resolved the situation even though their representatives have assured me each time the appropriate paperwork has been submitted. The last call I requested a copy of the paperwork also be sent to me. This document was received on XX/XX/XXXX and it revealed a simple document titled " Lien Release '' on Nissan letterhead, not the required state form. Another call to their representatives on XX/XX/XXXX revealed they were unaware of the existence of the state form even though I made it clear in previous calls it would have to be submitted.
Consumer complaint received 2018-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

On XX/XX/18 I paid the debt of {$87.00}, although I have no written request to pay the debt from the collection company or original collector. My only knowledge of this debt is because of the derogatory mark it has left on my credit report. I called the collection company both before paying the debt and afterwards requesting that they delete the account from the credit report and rudely and relatively I was told that no such arrangement was available. This is an aggressive company in their policy that they will not delete the account completely after my request to see a written document expressing the debt as mine, and furthermore would not agree to delete the account from my credit report after I paid the debt to simply get it off of my records.
Consumer complaint received 2020-05-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I am a Veteran. I have a VA loan, serviced by Shellpoint. The CARES ACT allows for Veterans to ask for Forbearance. The details are outlined here : https : //www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdf I requested 180 days of forbearance. The CARES ACT States : 3. Forbearance. The borrower may request an initial forbearance period of up to 180-days, regardless of the borrowers delinquency status. If the borrower makes the attestation discussed above, the servicer must grant the forbearance request, with no additional documentation. This forbearance must be extended, at the borrowers request, for an additional period of up to 180 days. When a borrower contacts the servicer, VA expects the servicer to inform the borrower of the borrowers forbearance rights. The borrower, not the servicer, is entitled to determine the period of the forbearance, subject to the statutory limit of up to 360 days.

Shellpoint told me I could only do 90 days forbearance, and then request an additional 90 days. This goes against what the CARES ACT states. The CARES ACT states I can  request 180 days, and then after that an additional 180 days. I contacted the VA and they said some servicers were not abiding by the rules of the CARES ACT and that my only remedy in their experience is to contact the CFPB which I am doing. 

I would like 180 days forbearance. I requested this from my appointed representative from Shellpoint : XXXX XXXX Loss Mitigation Specialist, Shellpoint Mortgage Servicing Hours of Operation : 8am 5pm ( XXXX ) XXXX ( Direct ) ( XXXX ) XXXX ( toll free ) XXXX shellpointmtg.com
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Subject : Formal Complaint Regarding Permanent Account Restriction Dear PayPal, I am writing to express my extreme disappointment and frustration with the permanent restriction that has been placed on my PayPal account. On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX, I received notification that my account had been temporarily restricted. I immediately provided the requested information in order to have the limitation lifted, and on Friday, XX/XX/XXXX at XXXX XXXX, I received an email stating that my account had been partially restored. However, upon checking my account, I was disappointed to find that it had been permanently limited. 

As a user of PayPal, I am entitled to certain rights and protections under United States financial regulatory laws, including the Electronic Fund Transfer Act ( EFTA ) and the Fair Credit Billing Act ( FCBA ). These laws require that financial institutions like PayPal provide customers with a clear explanation of any account restrictions, and an opportunity to dispute or appeal such restrictions. In this case, I have not received a clear explanation for the permanent restriction on my account, and I have not been given an opportunity to dispute or appeal the decision.

I am requesting that PayPal take immediate action to remove the permanent restriction from my account, and to provide me with a clear explanation for the restriction. I also request that PayPal ensure that all necessary steps are taken to comply with US financial regulatory laws, including the EFTA and FCBA.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am filing this case for the fifth time. Capital Kne bank letter dated XXXX XX/XX/2021 XXXX attached XXXX states the wire transfer was approve and returned on XXXX XX/XX/2021. To date, I have not received the check nor my bank XXXX. Today, XXXX 2021, I checked with my bank and to date they have not received anything. 

Capital One failed to address in their letter how they have sent the money back. On XXXX XX/XX/2021, I was for the first time able to reach XXXX and she has told me she will check and let me know how the funds were returned and she will send me copies of the document to my email XXXX within 2-3days. 

It has been over a year Capital one is sitting on my money with fake promises. Please someone from Capital one call me at XXXX or email regarding my issues as stated.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES EXPERIAN XXXX  AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.
Consumer complaint received 2023-01-27
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. (CA)

For YEARS i have been disputing with the department of Education about the erroneous information they continue to report to Credit Reporting Agencies, and for YEARS this company has refused to fix the problem. In XXXXXXXX XXXX XXXX, the accounts are reported as being paid on time, however, in XXXXXXXX XXXX XXXX, the accounts are reported as 90 days late! This same thing happens again at the end of the year. In XXXX the account is reported as paid on time, however in XXXX is reported as 90 Days past due. It is impossible to be on time one month and then 90 days past due the next month. Experian is knowingly publishing information that is clearly false, solely because the company tells them to. This is being done despite the many efforts to inform not only the Department of Education but also Experian of these violation of the FCRA
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

XX/XX/2018 - ( I am behind one payment ) Today, I received 3 calls from the California Check Cashing, XXXX XXXX in XXXX XXXX, CA, today. Each time XXXX calls my work number she will ask me do disclose the last four of my Social Security Number ( SSN ). I have no privacy in my office and I work around XXXX. I refuse to provide my personal information to anyone at any time in this environment. When I am asked for the last four of my SSN, I kindly say, " No. '' She says to me that she will call me back. She does not ask me if this is an okay number to call. 

Since I share my office with a co-worker and there are often XXXX in my work area, the telephone call to my work makes for a very uncomfortable and unsafe situation. 

I called ( XXXX ) XXXX, the California Check Cashing and spoke with XXXX and explained my non-private situation to her and told her that the staff at California Check Cashing are making this debt collection very, very uncomfortable and very unsafe for me when they call my work number. When XXXX calls, she will identify herself and she will continue to ask for the last four of my SSN. I work in a XXXX, I refuse to provide my last four of my SSN out loud. I am NOT in a place to disclose my personal information or my personal business. 
When I called, I shared with XXXX that since they are not willing to comply with my request, I will be filing a complaint. XXXX told me to do what I have to do and they will not stop the calls to my work until I make a payment. 
I informed XXXX that in the XXXX environment it is considered contraband for me to bring in a cell phone, so I am unable to pick up calls from my cell phone during my work hours. After work, I am on a 1.5-2 hour commute. 

I asked XXXX for the manager 's ( XXXX ) last name so I could provide last names to add to my complaint ; XXXX refused to provide a last name and told me that she is unable to provide XXXX 's last name. Gee, it sounds like my situation to remain anonymous as much as possible ; I would think that XXXX and XXXX would understand my situation You are welcome to contact me for additional information.
Consumer complaint received 2018-04-02
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SIMM Associates, Inc. (TX)

I have attached details and the letters I am sending today in a final attempt to settle this issue. I have spoken to agents on multiple occasions and I did ask them to stop calling and send me written communications. They are now calling me with unknown numbers and have done so 3 times. Now this weekend over XX/XX/XXXX break they contacted my ex-wife and discussed the issue with her prior to speaking with her father the co-signer. I will submit a notarized and signed affidavit from her if requested. Lastly SIMM Associates is the 4th agency trying to collect on this debt within the past 10-12 months and XXXX XXXX XXXX ( XXXX ) continues to fail to produce evidence they own the debt, and they illegally collect {$1400.00} from me as " good faith payments '' on a debt that had not yet been validated.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (TX)

on XX/XX/XXXX Direct Recovery Services called my sister and left a very detailed message concerning an account pertaining to me. They gave her my name the amount of the debt owed and the options I have to settle the matter. This was right after they called me and left the same message @ XXXX, they called her number shortly after. They provided my account number as well as my zip code. This is concerning simply because that number could have been changed and belonged to anybody. But their system is designed to call and leave a very detailed message about clients. This is unacceptable and very intrusive to my problems.
Consumer complaint received 2017-08-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (AZ)

I paid off my loan on XXXX XXXX 2017 and overpaid by about {$100.00}. I have contacted the company multiple times to get my money back and was advised that t can take 20-30 business days for my refund to be processed. Unacceptable. They want their money asap and if they do n't get it on the due date they start harrasing you the very next day, but yet it is ok for them to hold your money for almost 2 months?? That has to be illegal. I want to report them for theft and shady business practices.