davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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)

Called my Fico whom i have credit monitoring with. My mortgage fico score decreased sharply on both XXXX and transunion. XXXX points. I spoke with a manager and a representative and no one is able to figure out why. The explanation is that this is the algorithm. I am a mortgage underwriter so i understand credit reports well. I have paid down my credit cards, have no large amount of inquiries nor have any late payments in the past 4 years. For some reason no one can explain this decrease.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I AM XXXX YEARS OLD WOMAN SELECT PORTFOLIO INITIATED 3 FALSE, DECEPTIVE, FRAUDULANT FORCLOSURE, and harass me every month by sending letters regarding debt and lien that not exist and threaten me they will initiate another foreclosure after moratorium lift in DC. DEBT AND LIEN DO NOT EXIST. 

Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX
Consumer complaint received 2018-01-19
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. (FL)

XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on XXXX and Transunion. This is not my account, and it seems like XXXX has proven this.
Consumer complaint received 2020-10-20
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX Past Due Amount : {$140.00}
Consumer complaint received 2018-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

On XX/XX/XXXX, approximately 1 year before the maturity of my home equity loan, I received a notice that XXXX XXXX XXXX had " miscalculated '' my interest that I was paying on my loan for the past 15 years. They said they wanted me to pay a lump sum of {$4200.00} by XX/XX/XXXX, rather than the regular payment of {$430.00}. When speaking with them on the phone ( XX/XX/XXXX ), they admitted it was their mistake and not mine, but they still expected me to pay. This was originally a XXXX loan that was bought out by Ocwen some years ago. There is no way this can be legal! How can I be held liable for THEIR mistake??!
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from my credit report.
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I filed a fraud report with wellsfargo XX/XX/18. I have made a police report and had around 7,000+ deducted from my account without authorization. I notified wellsfargo and made a claim. I did not hear back from Wellsfargo until the 9th day and on the 9th day, my claim was denied. I was contacted by one branch of the fraud department stating part of my claim was being refunded in the amount of less than {$200.00}. Once he mentioned the wrong dollar amount he placed me on hold and stated he would reach out the main claim personal to have a follow-up call and work to get my funds return as soon as possible. No, follow up. I have spent half my day trying to receive support to learn three cards were sent out and only one was in my possession. I simply want what is rightful mine. The amount is substantial and by law, I feel, I should not be legally responsible for charges not authorized and reported.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Creditor Name : : XXXX XXXXT Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Phone Number : XXXX Creditor Name : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Creditor Phone Number : XXXX I recently checked my credit report and noticed some inaccurate accounts reporting.
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Since XX/XX/XXXX Ive been trying to get XXXX  to report only accurate information to my credit report. 

On XX/XX/XXXX I submitted a complaint to the CFPB about XXXX. The complaint was about XXXX unfair credit reporting methods and their negligent noncompliance or willful noncompliance with the law regarding XXXX XXXX XXXX XXXX XXXX as a collection account on my credit report. 

On XX/XX/XXXX XXXX  deleted XXXX XXXX XXXX XXXX XXXX as a collection account from my credit report. 

On XX/XX/XXXX XXXX was reporting the following collection account XXXX XXXXXXXX XXXX XXXX XXXX as a collection account on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 

I submitted a complaint to the CFPB about XXXX and the account was deleted from my credit report. 

As of XX/XX/XXXX XXXX is reporting XXXX XXXX XXXXXXXX XXXX XXXX as a collection account on my credit report, and it is being reported by collection agency XXXX XXXX XXXX account number XXXX whose mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. 

As you can see this is the same account being sold to different debt collector. Since this is the same account that was already disputed and removed from my credit report, I am demanding this account be immediately deleted from my credit report.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

I place a wire to XXXX/coinbase for XXXX on XX/XX/XXXX XXXX XXXX still havent receive my fund today. On their site it said fund will be available same day if wire before the cut off time XXXX XXXX PT. days later fund is still unavailable. Their customer support is unresponsive to this issue. Cant reach them by phone. I actually made a search online realize this is the norm and it happen to other customers as well. I wish the XXXX/Coinbase would provide a disclaimer. I hope they have a faster support team if they are providing this method of transaction. Customer that paid for wire transfer want their fund quickly not slowly. If they cant provide the support to resolving these issue quickly than dont provide the wiring option method.
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Since I've been involved with Navient ( Sallie Mae ), managing my student loans have become increasingly entangling and confusing. I tried to understand exactly what I was being charged and the best options that would be available to me over the course of the years but I was always pushed toward Forbearances and Deferments. It has become so overwhelming to defend myself against this major corporation when time after time I would reach out to discuss the best repayment options for me and to get detail on exactly what the best option would be for me, but the customer services representatives would constantly push me to the 'easy ' buttons on the website and just tell me to quickly apply online for the forbearance and assure me that 'I would be accepted '. Even when I was receiving minor income and/or state assistance, the answer would always be 'another forbearance '. Sometimes, the forbearances or deferments would be up to two or three months apart, even after explaining that I would need more time and clarification on the best options for me. 

No one at Navient ( Sallie Mae ) would spend more than five minutes guiding me on the phone, instead, they would tell me how convenient it would be for me to just go online and 'click on the buttons ' to apply for forbearance and/or deferment and 'upload my documents '. I also noticed what appeared to me as the egregious late charges, etc. and my loan would triple within months even after explaining my financial hardship again and attempting to get guidance. Navient created a vicious cycle for me, that I believe was applied maliciously. Oftentimes, when I would attempt to apply for repayment options on my own through the often hard to understand prompts, I would be denied and would once again be pushed to forbearances and deferments. I would like a further investigation into my case as I am in extreme debt with this company and am still experiencing financial hardship and confusion around the number of fees, and late charges, and options that I would have to the best path toward gaining loan forgiveness.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX year of 2021 i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased 98 points back in XXXX. XXXX XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately!
Consumer complaint received 2020-10-20
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 ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX Past Due Amount : {$140.00}
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, XXXX & TRANSUNION ). 

Thank you in advance for you help in this matter
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

XXXX XXXX i got a paper payroll check from my company cause they are slow at adding my account to the direct deposit i needed XXXX cash to pay rent and put gas in the tank. also wanted to get some fast food. so i didn't have my new debit card cause my old checking account got hacked and i lost XXXX XXXX 's and that the bank was investigating. 
gave all the information needed and the clerk told me i couldn't get any Cash there is XXXX hold on my checking account. i demanded answers and she told me 3 checks went threw and i was in rhe negative bla bla.i ask her who what when. and is all was clear so she gave me a receipt and said on sat i could get {$220.00} i was starting to see red and walked off. i called wells Fargo and was demanding to remove the hold but no one did. i cooled off and went back in got the {$220.00} and put gas in and got top ramen for the weekend.monday ( today XX/XX/XXXX) i tried to make a purchase and they said declined once again I'm out of has starving and bills are racking up my checking account. i called Wells Fargo again and said can you front me some of my money im thin in the skin and im out of gas same answer last time " no '' I replied your losing a client real quick! and hung up.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (AL)

Roughly two weeks ago a new collection was placed on my credit by Southwest Credit Systems. I was never notified of them purchasing the debt, I have no recollection of having an account with the original creditor they have listed and I was never given the opportunity to dispute the debt.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX, I received an alert from Equifax Gold Credit Watch service that my XXXX XXXX account balance had increased {$1900.00} to {$2300.00}. I immediated checked my XXXX account, and there was no such transaction current or pending, or any balance nearly that high past or present. I used the Equifax service to check my credit reports from all 3 bureaus. There was no such transaction at any of them. I have had a freeze at all 3 bureaus since XX/XX/XXXX and when I checked, none had reported any fraud activity or credit check attempts. 

The Equifax service provides no additional information. I contacted them to ask them what this alert was based on. I was told it was up to me to investigate, that the alerts are usually " routine '' and might be up to 90 days old. In fact, the last transactions showing on my credit report for my XXXX account is fromXX/XX/XXXX!! I replied that I did investigate and found nothing, and needed details regarding the account number, date of transaction ( s ), vendor, etc. I was told again it it was up to me to investigate. They have refused ( or are unable to ) give me any information on this alert. In my attempts to talk to someone on the phone I have been put on hold, dropped on a transfer, and still not gotten any information. 

By their own admission, this is not an " early warning '' alert. It does not, apparently, reflect what is happening on your own credit report. Not only does Equifax not provide accurate information -- they do n't provide any at all!
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I scheduled a payment of {$540.00} to JP Morgan Chase Bank for a payment to my auto loan. My Chase Loan number is XXXX. On XX/XX/2022, {$2300.00} was debited from my check account with XXXX XXXX XXXX XXXX. I called Chase and spoke to a representative. I explained to him ( XXXX ) that I did not authorize {$2300.00} to be debited from my account, but that I did authorize {$540.00} to be debited. 
He told me that in order for him to get this reversed, he would have to transfer me to a manager. He transferred me to a manager ( XXXX ) who reviewed my account and told me that my account is now in good standing and that most of the payment was applied to the principal and he would not reverse the payment.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX  XXXX  promised a bonus XXXX  signup bonus for transferring certain amount of assets to their brokerage XXXX  account for a certain period of time. This is the link to the offer which is live as of XX/XX/2020 : XXXX XXXX XXXXXXXX. 

I transferred sufficient assets and held it in the account for >6 months to qualify for the bonus. They did not honor the bonus. When I called in, there was a lot of back and forth and they made up some reason to not give it to me ( " you had to be sent the offer directly via email '' ). They offered to give it me if I held my assets for 12 months instead of 6. I told them no. Very dishonest bank and quite frankly why socialism is so appealing.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

dual tracking XX/XX/XXXX while waiting for a social security XXXX case to finalize i tried to pre-empt a problem with wells fargo. got with a specific person XXXX XXXX. XXXX XXXX suggested a unemployment /income deferment for 10 months and 2 more if needed ( act 91 i believe ). started on the XXXX dollar /month payments when XXXX did not call in XX/XX/XXXX i contacted fargo got told a new POC was a XXXX XXXX who was a new fargo employee, instead of inacting the 2 month extension she initiated a modification application which i was told by several fargo people was available, XXXX lost 3 pages and i ended up in hosp 2 weeks i never heard from her again after 6 tries to contact then i get a call your in foreclosure. the call came that foreclosure process started on XX/XX/XXXX, with payments made thru XX/XX/XXXX and waiting on new bank card to make may {$25.00} payment. still XXXX do to the XXXX XXXX issues that put me in hosp., never heard back from POC XXXX just XX/XX/XXXX your in foreclosure call. I made a call to XXXX XXXX a vp in fargo anc complained it got me with XXXX XXXX who initiated a mod appl. during a modification process application and appeal sheriff left card on front door XX/XX/XXXX. called POC XXXX XXXX ( taking mod app ), and was told sheriff not from wells fargo due to my account in a foreclosure suspension. just want to re-start monthly payments as 1st mod, XX/XX/XXXX.
Consumer complaint received 2018-02-01
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: Nelnet, Inc. (PA)

Greetings, Greetings, I have initiated disputes with XXXX and XXXX XXXX to remove incorrectly reported late payments for NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my XXXX  and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (NY)

Called for a replacement card, old card lock wasn't able to use it.called customer service which is Direct Express for a replacement on XXXX XXXX, their not answering the phone same recording comes on no help.Meanwhile rent an bills aren't. Recording says card is in the mail I haven't received it yet. Please help me I've done everything I thought would work but it hasnt.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

I have requested relief from missing payments due to long covid, the mortgage company offered me a payment plan that I can not afford for a second time. The amount that they have offered for a payment is over half that i make and I would not be able to afford other essential payments ( car, student loans, home expenses ). I can afford to make a payment that does repay the past amount, the issue is they will only allow for a 12 month term to make the repayment which I believe is unfair, and not giving me a real chance to save my home.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

Equifax Mortgage Service - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


Equifax Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender.