davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (FL)

On XX/XX/2022 XXXX XXXX XXXX contacted a relative of mine which is illegal regarding debt and telling them the amount i owe on it. it is said that they can not contact and tell anyone regarding this matter besides my spouse. I have also sent them a letter on XX/XX/2022 stating that to please to dispute the total amount owed on my account {$4300.00} and more. As well XXXX XXXX XXXX sent me a letter that said " if you write to us by XX/XX/2022 known as XX/XX/2022 we must stop collection on any amount you dispute until we send information that shows you owe the debt. However the credit card limit was {$4000.00} and I nearly have not spent that much money on it. 

In my first complaint I realized that I missed something and I could not edit or go back and edit this document. I nearly have not spent {$4000.00}.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages tha t I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discove ry process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the  Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to  comply with  Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my r ights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.   Name of Account :  XXXX   XXXX   XXXX  Company :  XXXX   XXXX   XXXX  Account Number :  XXXX
Consumer complaint received 2022-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (NJ)

On XX/XX/XXXX I was charged for a service I did not receive. I immediately called the company and XXXX XXXX and XXXX. XXXX removed the charge but the company and XXXX XXXX did not. 
Recently I saw a collection on my report from Meridian Financial for this XXXX  year old item. I called, faxed and emailed Meridian, XXXX and XXXX XXXX. Today I received a notice that my credit score decreased substantially due to a report on XX/XX/XXXX from Meridian that I am currently 5 months delinquent on a current debt which actually dates back to XXXX. 
For a company to purchase a debt and report it 7 years later is not in keeping with the Fair Credit Reporting Act. I request that all notices regarding this erroneous charge on my credit reports on be removed.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

I have been charged for an item that I never received from the Vendor XXXX. I advised XXXX that my item never arrived and that the tracking number showed it was delivered to a different location in a completely different state. XXXX told me that they would investigate further into the matter and I have reached out to them many times. I just kept getting the run-around and no response, and now they report late charges to my credit report. This is hurting my ability to buy a home and to seek new employment opportunities. XXXX needs to remove those late payments from my credit report, for a product that I didn't receive due to their negligence. I contact XXXX and they send me to XXXX, I contact XXXX and they send me to XXXX, the whole thing is a charade.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX  is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX Modification Office, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,
Consumer complaint received 2016-07-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AR)

I signed up for citi gold Bank account with a targeted promo code few months ago for XXXX XXXX miles. After completing the requirement i received a message from citi stating that i met the requirement and will be rewarded the XXXX XXXX miles. Citi never did give me the miles and they charge me for several mostly fees.
Consumer complaint received 2018-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I've submitted two requests for the same paid off account with two credit reporting agencies and they have removed the collection. XXXX   wasn't contacted for some reason and they still have it listed and it's hurting my score. XXXX XXXX XXXX and XXXX XXXX # XXXX opened XX/XX/XXXX has been paid off since XX/XX/XXXXthe number listed on the report is XXXX. I pray that these agencies would and banks would just do there jobs. Your help will be greatly appreciated please!
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2017, I received a {$35.00} overdraft fee in my Bank of America account due to a withdrawal mistake ( funds were withdrawn from the wrong account ). The bank did not send me an alert until the following day, even though I had set up my account to request alerts when insufficient balance conditions would happen.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

THIS IS NOT A DISPUTE! THIS IS A REQUEST. 
I have attached proof of numerous inaccuracies being documented on Equifax credit report which is harming me and I am questioning the legality of Equifax making changes to old reports from XX/XX/XXXX and prior reports electronically. It makes the whole integrity of the reporting system by Equifax inaccurate and an unethical business practices. 
I am formally demandinging to remove the reinserted/inaccurately reported/unverified ( Method of Verification was not provided by Equifax or XXXX ( Have been requesting since XX/XX/XXXX ) as per my right and request under Section 611 ( a ) ( 7 ). 
XXXX and XXXX had investigated the below accounts and removed them XX/XX/XXXX and XX/XX/XXXX respectively. ( Both reported aged accounts for removal XXXX ) After loan officer informed me Collections back on Equifax I sent XXXX a letter on XX/XX/XXXX requesting deletion which they received on XX/XX/XXXX. I called XXXX on XXXX XXXX as well and I was told they could not connect me with that part of the office. I would need to wait for a review and written response. They just sent me settlement statements for debts I do not owe. 
I have listed the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe Credit Report I paid Equifax for on XX/XX/XXXX shows no collections reporting XXXX major bureaus. 
The Credit Report I paid XXXX for on XX/XX/XXXX ( same day ) shows XXXX XXXX just under Equifax. 

Due to the misinformation and inaccurate reporting provided by Equifax this matter has harmed my good name, caused me embarrassment, major confusion amongst all parties involved, excessive Hard Inquiries by XXXX ( loan officer ) which harms me and credit rating and will now stay on my report for XXXX years and has delayed me from closing on a home XXXX times in the past month. At this point I believe I lost the house I was suppose to close on and was rescheduled for today XXXX XXXX due to all the confusion of an inaccurate reporting system. 

I am respectfully demanding to immediately delete the accounts identified above entirely from Equifax credit report due to the misinformation being furnished, inaccurate reporting and discrepancies and send me a free updated credit report. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this matter is not settled ASAP.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am filing a second complaint on chexsystems cause i provided to them a copy of my police report and they have not removed the negative information reporting on my file. I have provided them with proof of the fraud and they have not even sent me a response.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

I was renting an apartment with XXXX apartments in 2015 and had a overdue balance of {$1200.00}. Due to the manager not accepting my full payment to clear the balance, my account was sold to an collection agency for a much higher amount then what i originally owed. From this company 's sending me to collection, this has damaged my credit score and has hurt me tremendously financially. The outcome I would like from this is to have this account removed from my credit. When I've offered to pay the original amount with the collection agency, they did not accept my payment to satisfy my account. instead they put it on my credit with a balance of {$2000.00}.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I 've sent Experian copies of letters and proof of payment of an account I am disputing but Experian still will not remove the negative account with XXXX XXXX XXXX XXXX this has cause me to fall out of escrow, potentially lose a home.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I went for a loan from XXXX mortgage company, was underwriting for XXXX XXXX. I was unaware of all scams and tricks that were being done at the time, they seemed like trustworthy people. I later found out that my closing documents were forged and initals put in places for an adjustable rate that I never agreed to. My initial mortgage payment was XXXX dollars inc. taxes that went up to XXXX a month. They transferred my mortgage to several banks and finally ended up with Wells Fargo as a servicing company and XXXX XXXX XXXX XXXX XXXX as the creditor. I had this mortgage for ten years. The balance started out as XXXX now it 's more than XXXX and still going up. They notified me that they were going to foreclose on the property because they are unwilling to do a modification and balance reduction that is affordable. They promised me during XXXX that after the moratorium was over they would modify the loan. All empty promises. They have all phony foreged documents, robo signatures they are using to take my home from me, when they ca n't even prove they legally own the note let alone foreclose. pls help and investigate this pack of lies, and foreged documents intered into there mers system. They never even filed with the XXXX county clerks office they are the owners of the note. they ca n't produce the originals and hide behind lawyers who lie for them and employees that just signed lies for a living. sincerely XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

We have tried to obtain a modification from Wells Fargo and have been denied 5 times in the last few years. We paid our mortgage for 7 years before falling behind this last time. We worked with a Home Preservationist ( XXXX XXXX ) who indicated that we did n't have to keep making payments ; that at the end of the process all the past due would be put at the end of the loan. ( Please see documents at end of email to explain situation ) Please note the last statement we received indicate we were behind 13 payments of XXXX and the form dated XXXX/XXXX/XXXX states that the payment was {$980.00} and going to XXXX starting XXXX/XXXX/XXXX, which is not here yet. Also, after all we have gone through they are raising our payment and our interest rate! 
We want to keep our home and I have written to the CEO of Wells Fargo via email at least 3 times and he may have referred my inquiry to someone, but he did not answer me at all. I also spoke with a home preservationist recently ( XXXX XXXX ) who stated " some mortgages are not worth saving and maybe it is time to move on ) We have been fighting for almost 2 years and we do n't want to move on - if we did we would n't be fighting so hard.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

Disputed incorrect information on credit report, incorrect balance, incorrect billing. Almost immediate response that information is correct, which it is not. Unable to get proper resolution
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IL)

I had a Wells Fargo checking account. Over the past several months, I kept on getting charged for low balances in the account even though my average balances for the month were over the minimum. I guess Wells Fargo has a rule which states that if the balance falls even {$1.00} below the minimum, customers get charged for this. I had a direct debit attached to the account to eliminate the minimum balance issue, but to no avail. I eventually got fed-up with Wells Fargo and asked to close my account and get a refund of the balance which was in excess of {$2000.00}. The account was asked to be closed over 1 month ago, and I am yet to receive my money from the bank. I have called the bank many times, been transferred around, been put on hold for hours. Now Wells Fargo is stating that the check was sent to over a month ago. Furthermore, they have not told me why the amount it my checking account was not just transferred into another bank ( which was linked to this account ) as I had instructed them to them. Finally, Wells Fargo has asked me to send them a notarize letter stating that the check was never received and to wait 90 days from the time they receive this letter before they will reissue another check. 
I think this is unfair, unethical, and illegal. The bank basically has kept my money and continues to keep my money and expects me to wait for over 3 months before I can get it. 
I would like my money back from this thieving institution.
Consumer complaint received 2015-03-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Account Discovery Systems, LLC (PA)

Have not contacted me, personally. Have contacted my parents and my husband 's parents. Stated he was an attorney ( they could n't, for certain, state his name because some words were specifically pronounced so as not to clearly be understood ) and stated there was an issue with my social security number. I am CERTAIN they can not ask for this information without my consent. The name on the caller ID was shown as XXXX and the number given to contact was XXXX. I did not return the call to either number as I have no idea who they are.
Consumer complaint received 2022-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (AR)

I entered into a covid deferment for about 7 months, I was told before I entered into the deferment that options would be available to me including a payment plan, or a Modification where the missed payments would be paid at the end of my 15year mortgage term.to my horror and disquest after I satisfied 3 months of the trial period which was understood I was accosted with the rude and unwanted acknowledgement that I had to sign an loan Modification which changed my terms to a 30 year mortgage, and my apr was previously XXXX now being projected to XXXX and the amount from a few dollars less than what I am paying now, I do not wish to pay a 30 or mortgage, I want to keep my 15 year with the outstanding balance maybe included at the back of my loan
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (ME)

While out of work and in financial distress, Sallie Mae strongly advised that I consider a forbarence on my loans. I have not been informed of any other payment options. Among this, I inquired on multiple occasions about receiving a reduction in the interest rates on my loans. With over {$70000.00} in loans, they were charging over XXXX % interest. They refused to work with me.
Consumer complaint received 2017-01-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I require your assistance. On XX/XX/2016, I received a letter from Wells Fargo Home Mortgage along with a {$790.00} check # XXXX, dated XX/XX/2016. The letter stated that they returned my payment because it was less than the total amount for full contractual payment. In the past, they have accepted partial payments and also on more than one occasion, 2 payments within a month. 

Since I have been serviced by Wells Fargo Home Mortgage, I have been misled, intimidated, threatened, as well as lied to. I desire to keep my home, and Wells Fargo sent a notice regarding foreclosure. Wells Fargo employees have told me to " get rid of my car '', cable, cell phone, internet, etc. I 've lived in this home over 18 1/2 years, and I am now a XXXX. I do not appreciate this type of treatment. Home appraisers have appeared on my property unannounced. I have been served with a summons ; and received harassing phone calls at all hours. XXXX. 

About four years ago, I called Wells Fargo & repeatedly questioned the letter I received about sending payments to another mortgage company. I was finally told to continue sending my payments to Wells Fargo. 

In addition, I have been charged late payments, due to the timing of my income, which is two weeks after the due date. Time and time again, I have explained this, but without resolve, adding more stress. I also explained to Wells Fargo that I receive my income on the 4th Wednesday of each month. This is the reason I have sent late fees with my payments. My attempt to split the monthly payment was denied. The last payment I sent was returned after a month. 

Although I am applying for a loan modification, I am having difficulty. Several Wells Fargo employees told me information inconsistent with what the others have said. It was suggested that I call a representative with questions and/or problems and I would be contacted. There has been no response to my voice mails. The information that I was asked for, was supposedly being added to " the system ''. Later, another employee asked me for the exact same information, later apologizing for the error. It is both disgusting and humiliating to hear such lack of integrity by those who represent Wells Fargo. 

I wish to send the last payment again, but fear it will be returned. The {$4800.00} balance owed, ( I was told by phone ), would be added to the end of my mortgage. The half ( {$2400.00} ) I offered to pay was refused and I have not been assured in writing, that the final balance would include the past due amount. 

Speaking to a department head or just getting his or her phone number was hopeless. Either I was told they did n't know who it was or could not give a telephone number. This is a dilemma that I am unable to solve alone. Up to now, no one has answered my appeal. I am not in any way refusing to accept my responsibility and I 'll not give up or walk away. 

Thank-you in advance for helping me to resolve this matter.
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (LA)

There was an account on my credit report listed with a different collection agency for XXXX XXXX. Because I knew the account was inaccurate, I disputed the account and requested validation of what they were reporting and the prior collection agency deleted the account on my credit report when I did this. Months following this collection agency deleting the account, I suddenly get an alert that a new collection agency is reporting the debt called Enhanced Recovery. I was never sent any sort of notification from this company that they had purchased the debt so I disputed the account again with Enhanced Recovery and they 've yet to respond to my dispute.